23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX XXXX, my checking account was frozen by the East West Bank. The reason they gave me was that I received my XXXX tax refund from IRS and they think this fund was " very suspicious ''. They asked me to provide all the confidential materials to prove that " I am eligible to receive the tax refund '', including the photo of my SSN, the tax refund forms, and my recent earning statements. I highly doubt if the East West Bank has such rights to collect confidential information from me. However, after I submitted all the materials, the East West Bank still refused to unfreeze my account. 

Meanwhile, East West Band continued to demand more materials that I do not have or never heard of, such as " letters from IRS that assigned ITIN to me ''. I am an XXXX XXXX XXXX and am working as XXXX XXXX XXXX XXXX XXXX. My income is simply the monthly stipend from my XXXX, so I have SSN and used SSN for tax refund. I do not have " letters from IRS that assigned ITIN to me '' and the East West Bank refused to unfreeze my account for such ridiculous reason. 

Moreover, I provide files from IRS including my tax return forms W-2, tax refund status. These documents clearly show my income and tax refund, these are all from IRS. However, they intentionally ignore these documents. 

Now, I am facing an extremely difficult financial situation because all my money is in this account. I would be very much appreciated for your help! Thanks a lot!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 experian, XXXX, and XXXX were notified about a XXXX  XXXX account and a XXXX XXXX account, pursuant to title 15 usc 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. the reporting agencies were asked to reinvestigate and they have failed to respond within the 30 days required. i believe that both late payments were reported inaccurately and kindly request that you provide me with a written confirmation of the receipt of this dispute letter, as well as an estimated timeframe for the completion of your investigation. Additionally, I request that you notify me in writing of the results of your investigation and any actions taken to rectify the inaccurate reporting on my credit report.
Product: Checking or savings account

I filed a dispute over a transaction that I had made but services were not rendered. The bank allowed themselves 90 days to let me know of the outcome. They just said the merchant didnt respond and the dispute is closed. They said they tried to reach them a second time but it is still considered closed. I called to follow up and asked how am I supposed to get my money back? She just responded sometimes we cant help you. I am out over {$3000.00}. What kind of bank were supposed to trust with our money hardly puts up a fight for their customers? There is not further action they are allowing me to take with them.
Product: Mortgage

I have been in my home for over 15 years and I want to keep my property. 
There has been a lot of confusion and miscommunication that have left me now in the edge of loosing my home. The mortgage company has made modification on my property and I have been making payments but there was a balance due that has been carry thru the years. This amount was accumulated when I lost my job and I have tried to pay it off thru payments plan but the mortgage drop me from the payment plan because I file XXXX XXXX for my Home owners association. I just need help to keep my home. I have a full time job and my mother and son also contribute towards my overall payment. I can afford to pay and I am willing to pay it just that the lender tells me we drop you we are not going to take your payment then when I stop paying they call me and say, you are behind and need to pay. I has been very confusing dealing with this Lender. Now they don't want to work with me they want me to short sell or give up my property, but I have been here for over 15 years and have been making payment. My payment history shows I have been making payments until they, the lender told me that I was no longer in the payment plan and told me to go to their website to request a new refinance and that what has made this worse now. I just want to continue paying to keep my HOME.
Product: Checking or savings account

On Friday, XX/XX/2022 : my account had several charges post to my account. Two charges were from XXXX, exceeding {$300.00} and a third for XXXX XXXX ( that {$16.00} would have not overdrafted but did due to the larger balance being pulled first ) thus causing my total available balance to be in the negative. 
At this moment my " posted '' balance was around {$60.00}. Two overdraft fees showed pending. Available balance was - {$690.00}. I have no issue nor complaint with these two overdraft fees as they are legitimate. 

I immediately noticed on Saturday, but could not do anything due to banking hours. 

On Monday, XX/XX/2022, two pending overdraft charges and debit card charges posted to the account. At this moment my account was now showing approximately - {$360.00} posted. 

I then made a {$680.00} cash deposit to reconcile the account and bring it positive. The original two overdraft charges were refunded by the teller. The available balance was approximately {$11.00} when i left the bank. This I thought would be the end of my mistake. 

On the same night : my cash deposit was showing pending, but a previous charge posted at the close of business. Again at this moment, I should have still had an {$11.00} available balance. However, I was then charged an overdraft fee bringing my account back negative from a pending charge on the XXXX that was already reconciled by the cash deposit. ( In layman 's terms I had already taken all pending charges into account when I made the deposit ). 

On XXXX XX/XX/XXXX, another charge posted before my cash deposit, causing another overdraft fee due to being negative from the previous overdraft fee. 

All overdraft fees were reluctantly refunded after an extended argument at the bank. 

My first issue is : I did not agree to have overdraft protection, it was given when signing up for the account. I decline it due to this very reason. 

My second issue : the last three overdraft fees were not valid. The reasoning i was told for them being valid was that they were all charged on the XXXX but the debit card transactions still showed pending. However my deposit was not given the same respect as the overdraft charges. My reasoning is that it appears that the overdraft charges are acutally charged when the pending charges posts. If the overdrafts were going to happen regardless of my deposit, I should have been told, however I honestly do not believe this. 

My third issue : The teller and manager saw different views of my charges than me, not showing when transactions posted making it appear they were " justified. '' My view of my account would be different from what the bank saw. 

My overall complaint is that I am under the impression that regardless of bringing an account into the positive : you will be charged overdraft fees even with a direct cash deposit. It also appears that the timing of these charges were structured to increase the overdraft fees. 

The attachments are what I could see the night of XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

Used Lowe 's credit card to purchase washer, dryer, etc during XX/XX/XXXX sale and did not go through the card. We ended up using our own personal debit card to purchase all of the items and Lowes refuses to refund the amount on the Lowes credit card even though we have proof that we paid for it via our XXXX debit card. 

We have spent several hours on the phone with Lowes and they refuse to refund the amount.
Product: Credit card

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Balance of {$0.00} however it shows that this trade is charged off and sold to debt collector, this credit card was stolen in 2021. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert message from all three credit reporting Bureaus ; XXXX, XXXX  and XXXX that my credit scores has decreased by 120 points  as a result of an adversely Negative report on my credit files by Statebridge Company ( company ), a debt collection and Mortgage Servicer. When I checked the report from this company, it reported on XX/XX/XXXX that I am delinquent by 180 days on a mortgage Loan I received from them on XX/XX/XXXX. 
This information on my credit files reported by this Company is false and inaccurate and has to be removed. I did not receive or apply for any loan from this company in XX/XX/XXXX ; I do not have any signed monthly payment plan with them and did not borrow {$50000.00} dollars from this company. 
I received a letter from this company on XX/XX/XXXX and XX/XX/XXXX that they are the new servicer of a {$48000.00} debt they bought from XXXX XXXX XXXX , XXXX, on XX/XX/XXXX. 
I reached out to Statebridge Company on XXXX XXXX with a dispute letter and informed them that I DO NOT OWE THIS DEBT. This debt was disputed and the previous servicer and debt collector namely XXXX XXXX XXXX who sold the debt to them was unable to collect any money from me regarding the debt. This debt was disputed and was written off by the original lender XXXX XXXX  in XX/XX/XXXX and they stopped reporting this debt on my credit report. 
This Loan servicer and debt collectors threatened to foreclose on my primary residence and sent a foreclosure appraiser to appraise my house for sale and I have a copy of the appraisal they sent me.They also told me they have a lien on my property. 
I was in the process of refinancing my Mortgage since XX/XX/XXXX and was at the final stages at the Title Company. The Title Company noticed that a lien was placed on my house. They reached out to them to find out what interest they have on my house and wanted to work with them to remove the Lien and requested for a settlement offer if any to enable them to finalize the refinance by XX/XX/XXXX. 
On XX/XX/XXXX when we were getting ready to go and sign the closing documents, the Lender informed me that my final credit report check before closing had dropped below 600 points and was unable to proceed with my Loan, and therefore, the refinance was cancelled. 
I reached out to Statebridge by phone and mail to remove the inaccurate report from my credit files, but they refused.This adversely Negative credit report by Statebridge Company has affected me tremendously, and they need to remove this report from my credit files and stop reporting on my credit report. It has harmed my Business by a Loan denial from XXXX XXXX  on XX/XX/XXXX and this inaccurate reporting will prevent me from Refinancing my Mortgage to have needed funds to repair my house.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX CARD ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX CARD ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have resolved this dispute previously and and the collection was removed from my report due to being invalid. I never received notification of this debt, nor agreed to this charge, and this was case was previously resolved anyway! Now it has simply been sold to another collector and XXXX  has not verified nor forwarded any proof of debt either from the original creditor nor the collection company.
Product: Credit card or prepaid card

I was charged {$390.00} on my barclays card on XXXX XXXX XXXX. I have multiple conversations with barclays and XXXX. The conversations with XXXX state that I didn't want their service anymore. This dates back to XXXX. XXXX would reply with a nonsense answer stating that the business had to be closed. The business filed for dissovlment in XXXX and XXXX. It was dissolved before XXXX. I communicated all of this to barclays and provided the documents attached to prove so. Barclays is now saying that I owe over {$480.00} because of late fees and interest all because of the fraudulent charge from XXXX. When I started the process with barclays to show that the charge was fraudulent, they stated that no fees or interest would be accrued while a charge is in dispute. I have sent multiple messages to XXXX with no responses in the regard of discontinuing services with them. I have sent barclays multiple messages now about how I should have to pay for a fraudulent charge, interest accrued and late fees accrued because of the fraudulent charge. They just reply with contacting someone else in another department or saying they need more documentation. The documentation that they want XXXX won't provide because they reply to many messages. Thank you for your time, and please let me know if anything else is need to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dispute with Citibank regarding a My Best Buy Visa credit card account ending in XXXX. Citibank filed suit against me in the State Court of XXXX XXXX and the case was settled out of court before trial. Citibank agreed to remove this account from my credit report. I submitted a dispute with XX/XX/XXXX and the supporting documents from Citibank 's attorney of where Citibank agreed to remove the account. I received the results back today and the item remains on my credit report and XX/XX/XXXX refuses to remove the account from my credit report even though the creditor agreed to remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Please review the files that are attached.My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX  EXPERIAN XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes I requested them to take the following addresses off of my credit report. I do not live their and have never lived at any of these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XX/XX/XXXX 2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.
Product: Credit card

I had a credit card for 2 years, recently fraud relent charge was charged to my account. I disputed the charge the first claim was approved but the charges was put back on my credit card. I 'm receiving illegal charges to my credit card without explanation, my XXXX messages for the claim adjuster has n't been returned. The 4 messages to the claim supervisor XXXX has n't been returned or the request for a manger call back has not been received. The second fraudulent claim has been denied, become my home address and the fraudulent charge are with a XXXX mile radius. No research was conducted, I have victimized by this company. This company should be federal investigated for security and credit fraud. I do n't make the any of these fraud relent charges. I believe the bank or credit card companies has n't properly secured, an one of their employees has used this account. 

I received additional charges for late fees, membership fees and interest charges associated with the fraud relent charge. This is a moneymaking tactic to illegally collect money. I have no ideal about the fraud relent charges, the research has n't been done. I spoke to XXXX, the owner of XXXX of location for the fraud relent charges, he state the credit card was called in to the location. But, speaking to the credit card company, they 've stated the credit card was present or used similar to previous purchase process. It does n't make any sense, this company has evident that no continuous fast food charges are made throughout any month during my account history. This company is make it easier for criminals then every.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$60000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the covid 19 shut down the government failed America by cutting pandemic relief for failing to negotiate like professionals. In XX/XX/2020. I reached out to capital one for assistance because due to loss of unemployment relief income I could not make my full car payment. Which I was paying as agreed with no issues prior to 100 % reduction in my income. As mentioned in The Cares act, I made arrangements to stay current with Capital One Auto in advance. 

They put me on a deferment. I paid every payment as agreed but they still reported the agreement as past due 4 times on my credit. This is now preventing me from qualifying to rent another home and I will now be homeless due to them not following the guidelines in CARE ACT. 

The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief lender should report payment as paid as agreed!
Product: Credit reporting

I disputed with Equifax XX/XX/XXXX, XXXX XXXX account is not accurate and is not a debt I owe. They investigated and acct deleted XX/XX/XXXX, now, the account for XXXX has been reinserted again. Equifax is not following FCRA procedures and has gone against the law. I have called Equifax this morning on XX/XX/XXXX, and filied a complaint over the phone. I want Equifax to permanently delete the XXXX account off of my credit report.