23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Note : This same issue occurred in XXXX and was concluded to our satisfaction ( shows pattern ) In early XXXX, SLS informed us that they had ( unnecessarily ) purchased property insurance on our behalf. We provided insurance documentation immediately ( twice, they claimed not to have received the first, same as in XXXX ) SLS placed insurance charges into an escrow account and began posting late fees and charges to our account regarding this duplicate insurance, while improperly posting our mortgage payments to show them as late due to the incorrect charges. 

We have always made timely payments automatically through our bank*** After multiple calls to multiple SLS reps ( who repeatedly told us SLS was in error ) and multiple correspondence, SLS sent a letter on XX/XX/XXXX stating that the advance was not needed and that they would adjust our account to reflect this. ( letter attached ) To date SLS has not done so, and in fact has been compounding late fees and refuting our detailed correspondence almost to the point of hostility. ( Please see correspondence log, attached. ) We also have been getting nearly constant dunning calls, and this " late '' status on the mortgage is now affecting our otherwise impeccable credit record. 

We can afford to pay late fees when they are valid. 
It seems to us that this pattern of purchasing unnecessary insurance and then charging fees and making clients jump through hoops to get their accounts cleared is predatory or bordering on fraudulent. 

***There was one late payment in XXXX of XXXX due to a banking change, and as soon as we became aware of it we made both the payment and paid the late fee. ( see payment log, attached )
Product: Checking or savings account

My Check that I deposited was Cashe 'd And my funds were send for review they were supposed to call the maker of the check and did not do so I left details instructions on how to contact the maker of the check he told me no one has contacted him about the check in this handle asap I missed out on my kids XXXX and birthday I'm very stressed
Product: Checking or savings account

Issue is that my account got closed by Chase bank because the check I deposited in my bank account could not be verified. 
Now, Chase bank is holding {$7400.00} because they can not verify the check. I reached out to issuer of the check and they stated that Chase bank shouldnt hold funds whatsoever as the funds are cleared in their system. 
My account closed on XX/XX/XXXX and a XXXX XXXX check charge of {$7400.00} was made, meaning a check of the remaining funds was mailed out to me in a form of a cashiers check. However, on XX/XX/XXXX I received a checking summary of the balance of {$0.00} because I have not received my funds. 
On XX/XX/XXXX I also received a cashiers check of {$24.00}, which I dont recognize that amount. 
This is a very bad fraudulent action on behalf of Chase bank. I want to report my account as fraudulent and Chase needs to close my account and not have the check clear on their end because they are keeping the funds??
Product: Credit card or prepaid card

I have a card with XXXX XXXX, I am having some financial hardships at this time, due decrease in income, however I am still committed to resolving my debt. I recently made a payment to bring my account current, however my account was closed by the the creditor in XXXX due to my delinquency. I have made payments on my account ( See Pay History attached ) and they still chose to close my account. Now that my account is current, I spoke with customer service who stated that they will not re-open the account. I ask regarding the settlement of the balance, since the closed my account will I be charged interest, and the customer service told me yes. 

I feel that interest on a closed account is financial XXXX. I didn't close the account, they did. While I will resolve the balance, I do not agree with being charged interest on a closed account. I am seeking assistance to settle this matter, because it is wrong. I was also told by the collection department that once my account was current they would wave the late fees. 

I really feel like this is double jeopardy and unfair to me as a consumer. I have maid faif
Product: Credit card or prepaid card

Hello, I applied for ( and received ) a credit card from Citibank. They advertised a " no fee '' introductory balance transfer but did mention a {$5.00} fee per transfer. Once I received the credit card and read the included disclosure, they now want to charge a 3 % balance transfer fee. I mailed a complaint letter to them on XXXX and received a reply on XXXX and they say they are still going to charge the fee. I also received a new credit card offer from them yesterday ( XXXX ) that has the same offer as the original one I received from them. 

I am attaching all correspondence I've had with them as well as all documentation. Hopefully you can help them stop these deceptive business practices. 

XXXX XXXX
Product: Checking or savings account

A refund from a company for {$710.00} was sent to my Wells Fargo account that was closed, Wells Fargo hasnt rejected it so the company can issue me a check nor has Wells Fargo sent me the money themselves and they refuse to help me over the phone
Product: Credit card or prepaid card

Kind of a deja vu. 4 or 5 years ago I closed my capitol one card because I felt they were playing games with mailed in payments to collect late fees. Last year a friend recommend I use them again and they are doing it again. You can mail in a payment 10 days before payment is due they wont post for 2 weeks. They know you are busy and don't always check your statement. Last XX/XX/XXXX I paid XXXX which I believe was my whole balance but for sure way more than minimum due. It takes them 2 weeks to post the payment which was on Wednesday XXXX. Apparently they had a due date of Friday the XXXX. So counting weekend in their book 3 days late. With this they charged me {$25.00} dollar late fee. I just saw the fee today XX/XX/XXXX. The pony express ended 150 years ago but they seem to use it for their mail payment collection. It is wrong to not consider mail date when charging late fees especially in winter and nationwide weather problems. I only found out about this when I never got my XXXX statement and they used the winter weather excuse. I asked and was refused a waiver.
Product: Credit reporting or other personal consumer reports

I am a natural person, i am a living human being, i have rights under 15 C 1681. Transunion is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Transunion written permission to furnish this account, Account is XXXX XXXX XXXX XXXX
Product: Debt collection

In the early afternoon of XX/XX/2018, a company by the name of Ascension Point Recovery Services called my brother. During said phone conversation, the representative from Ascension Point ( XXXX XXXX ) told my brother I was dead  and that I had named him as the executor in my will. She tried multiple times to get my brother to " confirm '' my date of birth and the last four of my social security number so she could help him " settle my estate ''. Despite her persistence, he would not give her any information. My brother began asking her questions ; he asked about her business with me, questioned when I supposedly " died '', what he " supposed '' to pay and how much, ALL of which she refused to answer. Fearing that this company was phishing for information, he informed her that I was not dead, but very much alive and lived 8 miles down the road and he would be calling me immediately after their conversation was finished. She, XXXX, left her name, company, phone number and extension so he could call her back to " settle the estate ''. After he called and told me about the conversation, I put the company name into XXXX. I found out that this company offers debt collection services as well as estate settlements.

There is so much ethically wrong with this. I am not dead, I have not named my brother as executor on anything, and I certainly do not have an " estate to settle ''. To call family members and suggest their family member has passed away is crossing that ethical line. Had they called my XXXX year old mother, this could be a whole different situation. THIS COMPANY NEEDS TO BE STOPPED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a consistent on going problem with transunion, and today I'm putting it to a stop. 

Ive been asking transunion to please provide me proof of inaccurate account for XXXX XXXX reporting and they still failed to do so. 

I just want for Transunion to please do their job and remove this negative information, i has been going on 5 months and they still fail to authorize my request on how the items was verified. 

I specifically ask Transunion numerous of times and also DEMANDED that they show me verifiable proof and provide me with any contracts or who they contacted, with a signature, and til this day they still fail to validate my requested in what i asked. 

I will have plenty of proof from XXXX XXXX and also Transunion. 

XXXX XXXX even says TRANSUNION never contacted them. 

So the whole time, Transunion has been falsifying documentation and stalling me out. 

THEN I RECEIVE A LETTER FROM TRANSUNION ASKING ME DO I HAVE A CREDIT REPAIR COMPANY WORKING FOR ME, AND TOLD ME TO DISPUTE ONLINE, I WOULDN'T DARE DISPUTE ONLINE, AS A CONSUMER WITH RIGHTS. 

THEY THINK THEY ARE SLICK, BUT I GOT THEM IN THE ACT WITH LOTS OF PROOF. 

BELOW YOU WILL SEE ATTACHMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. For some time now, I have been going back and forth with Transunion, XXXX  and XXXX  about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XXXX of XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Ally financial has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want Transunion, XXXX and XXXX  to delete XXXX XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.
Product: Debt collection

I have requested information from Hunter Warfield in regards to the allegation that I owe a debt. Hunter Warfield alleges that they are providing a service for their alleged client. However they refused to provide any documentation that proves they have any legal right to collect on this alleged debt. I am again requesting a copy of the contract that states such information as per federal law. Hunter Warfield states they sent initial communication to allegedly verify the alleged debt was sent XX/XX/2021. This statement from Hunter Warfield is false. Hunter Warfield alleges that XXXX XXXX referred this account to Hunter Warfield. To simply look at alleged documents is not a means of validating any debt. I am a federally protected consumer and my rights are being violated. I DEMAND Hunter Warfield provide proof with out redaction that they in fact have a legal grounds to collect on this false and clearly alleged debt that I do not owe. A cease and desist has also been sent to Hunter Warfield and they have continued to contact me via phone. They totally disregard federal law.
Product: Credit reporting or other personal consumer reports

I normally have a credit score of XXXX, but currently Experian is at XXXX because of inaccurate information. They have an additional name that is not mine, an additional social security number that is not mine, and an additional address that is not mine. There are XXXX associate loan accounts that have been written off that are also not mine, but adversely affecting my credit score. XXXX and XXXX are OK still though. I tried to resolve this with Experian, but they concluded the information is correct. IT IS NOT. 

The wrong social is XXXX, and mine is XXXX. 

I will attach documents, but Experian has been no help.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX have continued to report inaccurate information on my credit report, despite my previous disputes and efforts to correct these errors. I have attached a letter that provides proof supporting my claim and demonstrating the inaccuracies being reported. The failure to update this information in a timely manner, despite clear evidence, has caused ongoing negative effects on my credit score. I am requesting an immediate investigation and correction of these inaccuracies, with all erroneous information being removed from my credit report.
Product: Credit reporting or other personal consumer reports

I tried to log in to make a payment on my XXXX  credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX  The site was down and I was forced to call XXXX directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XX/XX/2023, I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, XXXXXXXX XXXX support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, XXXX had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score XXXX XXXX XXXX XXXX XXXX XXXX, which then caused the XXXX to lower the credit limit on the XXXXXXXX XXXX XXXX  by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other XXXX issued card for XXXX XXXX XXXX XXXX XXXX ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by XXXX, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the XXXX error. 

My issue is the efforts/urgency of XXXX to correct this. All of this was set in motion by XXXX down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit. 

I am reporting as I saw during my search for a direct contact in XXXX XXXX, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2018 XXXX  XXXX XXXX reported to the 3 credit bureaus Transunion XXXX  and XXXX  that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX  XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
Product: Credit card or prepaid card

XXXX I placed an order on a website that disappeared the day after they got my money. 
XXXX sent me a receipt from the seller with a tracking # showing a package was delivered on XXXX, ( 12 days before my order ). I left a message for the seller but got no reply. I reported it to XXXX and Chase. Chase sent me the same tracking page from the seller who believes the charge I'm disputing is valid. On XXXX I sent several documents including a screen shot of the website I ordered from and the screenshot of it removed the next day. All these documents show the order date as XXXX on XXXX I sent Chase a list of problems with the tracking document : 1. The date of delivery is before I ordered. 2. XXXX  doesn't leave packages at the front door of a commercial building, & 3. Package weight was 1 pound. I ordered 11 web cams. I obtained and sent the info on where the package was shipped from and where it was shipped to. All chase had to do was contact XXXX. A Chase letter on XX/XX/XXXX states they reviewed everything and the transaction will remain on my account, and they won't respond to future correspondence. I tell my story to XXXX on XXXX. XXXX  responded XXXX saying " The tracking # you were provided by the seller is not related to you or the package you were expecting. '' Chase reported this to 4 credit bureaus.
Product: Bank account or service

I 've been charged an unidentified fee of {$15.00} on XXXX XXXX 2016 titled " CORPORATE ACCOUNT ANALYSIS CHARGE ''. Shortly after it appeared on the account, I contacted PNC business. To suggest they were unhelpful would be an understatement. I contacted my branch manager. She was unresponsive. I contacted PNC business support AGAIN, and once again NOTHING ... no identification as to what the charge is or why it was charged. 

I want the {$15.00} charge removed. I do n't care what it 's for at this point. The lack of " customer '' service for an individual who has been with PNC for a decade and a half is unacceptable and I 'm one more incident away from moving my money to a credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my personal credit report from MyFico.Com, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the XXXX inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXXXXXX XXXX appliance account. I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. There are also name listed on my credit report that are inaccurate. 

These names are listed below as well and need to be removed immediately. 

Date Experian XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXXXXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX Names : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts and inquiries related to my credit report as I have become a victim of a data breach, as described under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ). 
The following inquiries appear on my credit report and were not authorized by me : Inquiries : 1. XXXX BANK -XX/XX/2024 2. XXXX BANK - XX/XX/2024 3. XXXX BANK - XX/XX/2024 4. XXXX XXXX - XX/XX/2024 5. XXXX XXXX - XX/XX/2024 6. XXXX - XX/XX/2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

Thank you for your response to complaint XXXX. In your reply, you mentioned that an investigation was initiated, all communication regarding the account ceased, and credit reporting agencies were notified of the dispute. You also indicated that the required documentation from the original creditor has not yet been provided. 

While I understand that receiving validation from the alleged original creditor can take time, I am not obligated to allow an unverified and non-authorized account to remain on my credit report. Simply halting communication and notifying the credit bureaus that the account is disputed is insufficient. This account must be removed from my credit profile until proper validation is provided. 

Additionally, I noticed a discrepancy : you stated that the balance from the original creditor is {$740.00}, yet the reported balance on my credit report is {$740.00}. This is inaccurate reporting, which violates the requirement for precise and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

Once again, I am requesting the immediate removal of this incorrect information from my credit report. If this matter is not resolved promptly, I will escalate the issue to my attorney and explore legal action. I am keeping a paper trail of all correspondence and each credit report update/reage information.