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

I have a checking account through Bremer Bank. My local branch is in XXXX, Minnesota. I was charged XXXX separate overdraft fees for non-sufficient funds in the amount of {$35.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX despite the fact I made every attempt to get the monies into the account before midnight each day it was overdrawn. I submitted a request to the bank to overturn these fees due to the fact that I was advised in XXXX XXXX by the XXXX, XXXX, at the XXXX location, that customers had until midnight to get their account current as I had an issue at that time. I asked for clarification of this issue of what was stated to me and she said this was the policy ; however, bank ATMs state otherwise in that monies should be deposited into funds by XXXX p.m. daily. Supposedly now I misunderstood, but I asked her outright if this what she meant to say. I want the bank to overturn at least XXXX of these as I feel they added an overdraft ( specifically the XXXX dated XXXX/XXXX/XXXX ) unfairly as the reason why the account was overdraft was due to the overdraft taken out the previous day. While I do n't want to get XXXX into trouble, she never should have said this to me if it was not the correct information. 

XXXX Bank is also taking electronic checks late in the day when they only allow until XXXX p.m. to get the money into your account and this has caused overdraft charges as well and then they do n't want to overturn them, despite the fact that I have checked my checking account diligently the same day to see if more money needs to be put in that day. I think any bank that does this should allow their customers until midnight to get their account current. I have a checking account through a local credit union who allows this and am considering moving all of my banking there now due to the frustration with this most recent issue. A customer has a right to know what is coming in and out of their account that day, and it is n't always reflected for me see. This is deceptive to the customer. A customer also has a right to make a deposit the day the item comes into that account whether it before before or after the item comes in for payment.
Product: Mortgage

In XXXX I began the process of purchasing a commercial building for my business. I applied for and was approved by XXXX for a loan. In XXXX of XXXX Wells Fargo Bank, XXXX filed a deed of trust to secure a bridge loan using my residence to secure the transaction. 
Amount : {$160000.00} Dated : XX/XX/XXXX Trustee : XXXX XXXX XXXX, a Corporation Beneficiary : Wells Fargo Bank , National Association XXXX XXXX. : Not set out Recording Date : XX/XX/XXXX Recording No : XXXX, of Official Records In XXXX of XXXX we conclude the transaction and the DoT was then applied to the commercial building, but WFB did not reconvey the previous DoT on my home. My lender, XXXX XXXX XXXX have been trying to close a refi on my home. Since XX/XX/XXXX several efforts have been made to obtain the paid-in-full or reconveyance from WFB. 
Recently, XXXX  did more research and found a reconveyance for the cross collateralized loan off my commercial property- it shows that 2 deeds of trust were recorded for the same loan 1 on my primary residence and 1 on the commercial property. Wells Fargo only reconveyed the loan off the commercial property. Luckily there was a loan # on that reconveyance. XXXX  called Wells Fargo back as of XX/XX/XXXX and they have escalated the request for a paid in full letter and reconveyance. We have no further word. 
The lapse of time has resulted in two expired rate locks and a probable increase in the final interest rate and costs. 
Is there anything that can be done to have WFB release my property?
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the following items : Please remove Addresses listed below XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Documents will be provided to prove a valid address. 
The presence of these inaccuracies has adversely affected my creditworthiness and could potentially have serious consequences on my financial standing. As per FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to have these errors promptly corrected. 
Enclosed with this letter are copies of relevant documents supporting my claim. These documents include [ list the supporting documents, such as billing statements, identity verification documents, etc.. 
I request that you investigate these disputed items and promptly remove any inaccurate information from my credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ). Additionally, I would appreciate receiving a written explanation of the actions taken regarding this dispute within the time frame stipulated by FCRA.
Product: Student loan

On XX/XX/XXXX I called Edfinancial to request a refund of payments I made on my account since XXXX of XXXX [ XXXX ]. I was immediately told it would take 5 to 7 months to get done and so what did I want to do? I asked why it would take that long. They had no information to offer and seemed to want me to say that I didnt want to go through the process. I said that I did. I was asked a few questions. Then I asked about confirmation that the request had been submitted and was told there was absolutely no way they could give that to me. I asked that at least an email be sent to me confirming that this conversation actually took place. The customer service agent said there was no way they could do that. I asked that they please double check. I was put on hold and then eventually told that there was nothing they could send me. At all. So I was supposed to just trust that 5 to 7 months from now a deposit would be made into my checking account and what if the request were to be lost? 

I then mentioned that I needed to change my last name on my account [ marriage ] and was told that they could send me an email with instructions on how to do that. Why can an email easily be sent about how to change your name but its impossible to send an email confirmation that a refund request has been made? Their current practices seem unreasonable, potentially illegal, and intentionally designed to dissuade people from requesting refunds.
Product: Money transfer, virtual currency, or money service

So basically, there was a time while I was visiting California a while back when I was was transferring money meant to go toward a family member, I accidentally sent it to the wrong contact and wasnt able stop it from going through being there wasnt any 2-step verification to confirm the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I paid a 3rd party for Navy Federal a settlement in the amount of {$3300.00} Navy Federal refused to update my credit report with XXXX, XXXX or XXXX. I sent letters to all three credit bureaus and was told they would need more time to verify the information. Navy Sent me a letter on XX/XX/2021 Saying my final payment was received. the debt was satisfied and no other collections would happen they would update my credit reports with the new information. on XX/XX/2021 I see its been updated with XXXX as charged off for {$10000.00}. XXXX has charged off/write off for {$10000.00} and XXXX says Payed for less than full balance/ charge off and listed as I9. This is not the information that was given to me in the letter. I paid a grand total of {$5300.00} however it's not being reported as such. In fact they are retaliating against me after I paid the final payment of {$3300.00}. This information is not correct and should be corrected to the letter that was given.
Product: Checking or savings account

On XX/XX/2024 was notified of fraudulent activity on business checking account at XXXX. Did not see email until XXXX and call it to stop transactions but funds were already sent. At that time made Swift Recall Notices on transactions. Also made police report with Sheriff Department. Sheriff Department contacted the FBI. Met with FBI agent who later found out that these were transactions within the US, advised to wait 90 days to see if banks would return the money. Requested information from first call but was turned away since I talked to the FBI. After 90days started contact through the XXXXXXXX XXXX again to find out bank did not respond. On XX/XX/XXXX finally received the breakdown of all dollars and to each bank funds were sent. {$190000.00} account XXXX routing XXXX Truist Bank with only {$10000.00} returned on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I was recently released from XXXX bankruptcy in mid-XX/XX/XXXX and was told by my trustee that I was current on my mortgage via court order. I 've made all XXXX payments since being released in full and on time. However, Nationstar is now trying to collect an additional monthly payment ( {$730.00} ), late fees ( {$78.00} ), and an escrow ( {$450.00} ). The total amount they 're trying to collect is {$1200.00}. They 're claiming that it was owed to them while I was still under bankruptcy. This is against the law. I 've spoken with Nationstar on the phone 3 times to try to clear up the matter, but have yet to receive a response other than " we 'll look into it. '' They also refuse to mail me ANY documentation on the matter.
Product: Mortgage

I got approved for a modification by my mortgage servicer caliberhomeloans my loan holder XXXX XXXX XXXX i made all my payments never missed a payment from XX/XX/2018 through XX/XX/2018 in XXXX caliberhomeloans notified me they where transferring my mortgage payment over to XXXX XXXX ... XXXX XXXX was to take over my payments XX/XX/2018 caliberhomeloans told me to make the XXXX payment to caliberhomeloans and they would transfer the payment to XXXX XXXX ... .now its XXXX and caliberhomeloans will not transfer the payment and XXXX   XXXX is starting i am behind in escrow and they have to raise my payments ... XXXX XXXX has been holding all my payments in a suspend account not applying my payments. I told XXXX XXXX i made XXXX payment to caliberhomeloans and XXXX XXXX said they would get the money from caliberhomeloans but its XXXX and XXXX XXXX has not solve the problem and stating my payment will go on top of my monthly payment i paid XXXX  XXXX estra dollars to try to solve the problem but XXXX XXXX did not apply theXXXX dollars to my escrow i want to know why caliberhomeloans did not transfer my XXXX mortgage payment and why XXXX XXXX is holding my payments in a suspense account ... ... also i have received caliberhomeloans and XXXX XXXX documents with the same address and same po.box number something is wrong here..can someone please help solve this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.
Product: Vehicle loan or lease

I purchased a new vehicle from XXXX XXXX XXXX dealership at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Mo XXXX on XX/XX/2022. I questioned the interest rate I was given at 6.4 %, which is high. I qualified for the 1.9 % rate that they advertised due to my credit score and circumstances. I contacted Gm financial and they advised me to contact the dealer. I did and went back in and signed a new legal contract at 1.9 %. I wanted to know my payoff and recently found out the dealership per Gm financial never sent them the revised contract to the lender. I believe that I was not offered the 1.9 % from the beginning because of XXXX discrimination and after I signed a new contract they still did not send it to Gm financial. This is illegal and unethical.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inquiries on My Credit Report ( 15 U.S.C. 1681 ) Dear Sir/Madam, I am writing to formally dispute certain inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any unauthorized, incorrect, or inaccurate information, including inquiries that may not have been authorized or were made in error.

The following inquiries appear to be either unauthorized or inaccurate : XXXX. XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Inquiry Type : Auto loan. 
Scheduled to remain on record until : XX/XX/XXXX. 
XXXX. OneMain  Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
XXXX. XXXX XXXX Inquired on : XX/XX/XXXX Inquiry Type : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
XXXX. OneMain  Inquired on : XX/XX/XXXX po box XXXX, XXXX, XXXX XXXX XXXX XXXX : Unspecified. 
Scheduled to remain on record until : XX/XX/XXXX. 
I request that you thoroughly investigate these inquiries in accordance with 15 U.S.C. 1681 and remove any unauthorized, incorrect, or unverifiable inquiries from my credit report. If these inquiries can not be verified, I request that they be deleted from my file and no longer reflected on my credit history.

Please send me written confirmation of your investigation and any updates regarding the status of these inquiries. I would also appreciate a copy of my updated credit report once this issue has been resolved.

Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________
Product: Mortgage

I applied for a 3 month forbearance on my loan through Citizens mortgager company in XXXX of 2021. I was granted the forbearance and did not make payments for 3 months ( I did make the escrow amount as I did not want to be behind on that. ) On XX/XX/XXXX of 2021, I received a letter from Citizens re : Payment Deferral agreement. 

The letter stated that as of XX/XX/2021 we will : 1. Adjust the due date of your next scheduled monthly payment to bring your mortgage loan current. 
2. Defer the scheduled repayment of the total past-due amounts to the maturity date of the mortgage or earlier upon the sale or transfer of the property, refinance of the mortgage loan, or payoff of the interest-bearing unpaid principal balance, and 3. waive any late charges We are proceeding with updating your loan and require a processing month for us to complete your payment deferral. Your next due date is the payment due date following the effective date referenced above. 

I began making full monthly payment in XXXX of 2021 and have continued to do so each month through XX/XX/2021. None of my payments have been applied to my loan and have been place in a suspense balance ( {$18000.00} ). At the present time, I am working with XXXX XXXX XXXX to refinance my loan to a 15 year term. In order to do that, XXXX requires an accurate payoff quote, which Citizens is unable to provide. I have been on the phone every month month since XXXX and nearly 10 hours in the last 2 days to get my loan term updated. Citizens has been unable to do anything for me, and I am going to lose out on a 2.25 % refinance rate if Citizens doesn't get me an accurate payoff amount by XX/XX/2021. I need help getting my loan brought to current status with the amount in suspense balance applied to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I've tried to fix errors on my credit report with Experian. They are showing inaccurate information regarding 4 different accounts. They are showing a balance on XXXX XXXX XXXX ( Acct # XXXX opened XX/XX/XXXX ) that has been paid in full since XX/XX/XXXX. They are showing late payments and closed with note of included in bankruptcy instead of paid on another XXXX XXXX XXXX account ( # XXXX opened XX/XX/XXXX ) that is covered by the Cares Act, was paid in full and not included in bankruptcy- therefore this account should show current, not late and paid in full. Regarding XXXX XXXX XXXX Account, they show late payments and derogatory status verses XXXX  out and closed like the other credit bureaus which is a violation of my rights under the FCRA for inaccurate reporting. Furthermore, the account of XXXX ( acct # XXXX opened XX/XX/XXXX ) shows late but the debt was sold years ago and was a write off for this company, which means that the account should be deleted as I'm not liable or responsible per the FCRA. 
Experian 's constant refusal to fix their errors has caused me stress and thousands of dollars in higher interest when credit is needed. They are in violation and this needs to be rectified.
Product: Credit reporting

XXXX, Equifax and XXXX are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the XXXX year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XXXX and the XXXX accounts were in the program which XXXX agreed to?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX in saying I owe money that I do not. I signed up for service from XXXX in XX/XX/XXXX. I transferred my energy bill from an apartment on XX/XX/XXXX to a new address. The plan never should have changed, just transferred service but approximately 9 months into service at the new address, my bill was consistently increasing. I called multiple times to inquire why my bill was changing. In XX/XX/XXXX they told me the bill would be an average based on the usage of the home from the previous year. I explained to them that I had not lived at that address the prior year and that the property had been vacant for over a year so that information would be inaccurate. I was never late with a payment during the entire time I had my account for over 3 years. I made repeated attempts to contact XXXX to ask why my bill was so inconsistent. Every time I was told it was taken care of, that there was an error with the billing. 

I moved out/vacated the new address on XX/XX/XXXX & canceled service. The last billing cycle I am responsible for is XX/XX/XXXX to XX/XX/XXXX which I paid the amount due of {$250.00}. I was sent a bill showing I owed {$740.00} for " Balance Due for Billing Plan ''. I called and was told it was for Deferred billing. I have no idea what Deferred Balance is or what it means and I never signed up for that. I repeatedly called to ask about it, to dispute it, to tell them that was not correct. The error in billing is on XXXX end. I do not have phone records of my attempts to resolve this, only 2 conversations via chat helpdesk showing my attempts to get this resolved. I was unemployed for most of the pandemic in XXXX but always paid my bills in full and on time.
Product: Payday loan, title loan, or personal loan

Hello, I got a call with threats to call a number if not they will file a case against me. I believed it was a scam and asked them to leave me alone because they said they couldn't provide any information to me. A week later, my sister texts me and told me someone called and asked for me, and left their name and number and asked for me to call back, if not there was going to be a case filed against me. I finally called and they told me I need to pay {$300.00} if not, the court will charge me {$1000.00}. I got intimidated and paid, but now I will be struggling to pay my rent. I am the only one working at home with XXXX kids to provide for due to Covid, and now I will be short with my rent. They said I need to pay in full and did not give me options to pay in payments.
Product: Checking or savings account

I am banking with Wells Fargo. I disputed 2 transaction. One for {$25.00} and another for {$79.00}. 
I only received a final credit for {$25.00} and the other transaction, they needed documentation. I had provided documentation every day from XX/XX/XXXX to XX/XX/XXXX and they claim they have not received anything. I have contacted the merchant as well and no response after the initial policy states a refund is warranted with doctors documentation. Wells Fargo is refusing to issue my refund after many attempts of submitting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent too and benefit from or authorize any of the accounts listed in the attachments. 
Under penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.

Reference to the violations listed in the attachments section.