23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Overdraft Charge on Electronic Payment. 
I Did Not opt IN for ATM, debit card or electronic payment overdraft. 
So my expectation is that the bank will NOT attempt to make a payment if I do not have funds on my accounts. 

Citizens Bank is charging me {$35.00} overdraft fee on electronic payments I programmed in its electronic payment online banking. Note that the bank CANCELED the payment and will charge me an overdraft for a payment that it will NOT perform. 

The overdraft fee is called, a return fee. The explanation is that Citizens bank needs to reimburse, Citizens Service provider that tries to make the payment when there is no funds available. 

My Rationale : I understand that my OverDraft Opt out rights are being twisted. 
If the account does not have funds and Citizens Bank knows about it, Citizens should NOT perform the payment ( as actually it did NOT ) and NO Fee should be imposed. 
Citizens Bank twisted this logic, by NOT performing the payment and calling the the fee ( {$35.00} ) a return fee. 

Talking to the bank representative, the payment will be resubmitted automatically and if there are still lack of funds another fee will be imposed. 

This behavior seems to twist the opt-out rights afforded by legislation.
Product: Mortgage

Our loan was sold by XXXX to PHH Mortgage Services. The incompetence of PHH was obvious at the outset so we immediately paid the loan off in full to separate ourselves from this company as quickly as possible before our excellent credit was damaged by their incompetence. That payoff was made and acknowledged by PHH on XX/XX/2019. The payoff resulted in a refund due to us of {$500.00}, comprised of {$310.00} in a property tax impound balance and {$180.00} in overpayment of the payoff balance. When no refund of funds due was made to us an inquiry was made made to PHH via phone. We were advised by XXXX of PHH on XX/XX/2019 that the refund should have been made within ten days of the XX/XX/XXXX payoff. XXXX indicated that she would submit an inquiry as to the status of the refund. On XX/XX/XXXX I called a PHH again to inquire as to the status and was told by XXXX that all refunds are issued within 15 working days of payoff and the check was mailed on Friday XX/XX/XXXX. On XX/XX/XXXX we called a third time to verify the information provided by XXXX the day before. During the course of that call we were informed by XXXX that the check was mailed on XXXX of XXXX. It is now six days later and we still have received no refund from PHH of the funds due to us, nor have we received any written verification of the loan payoff. The story line continues to change, PHH continues to change dates to suit their story line and we still have not been refunded the funds due to us. It appears that PHH is either severely incompetent, they are liars or worse yet, they are committing fraud, theft and conversion of funds to which legally they have no right.
Product: Mortgage

HELP!!!!! 
Community loan servicing was my servicer until XX/XX/XXXX. I was approved for LOAN MODIFICATION on XX/XX/XXXX. And agreement send out on that date. I have signed the loan modification docs on XX/XX/XXXX and got the fully executed modification docs on XX/XX/XXXX. BUT the new Specialized loan servicing company who is servicing the loan now didnt got the new terms. and Im going back and forth and getting nowhere.
Product: Checking or savings account

We sent a payroll payment to our team in XXXX as usual, due to the conflict in XXXX the money was never delivered to the end party because the middle bank ( XXXX ) broke relationship with the end party bank, since XXXX we have been calling almost every day to Bank Of America to " recall '' the money back, we had filled it up many recalls and followed all their process, we also spoke with the end party by advice of Bank Of America and they said ( resonable ) they do not have anything to do with that because they never receive the money. 

At this point we have XXXX in the limbo because every time we call ( expending more than 1 or 2 hours ) bank of america have the same answer, we have to wait, but we don't know that waiting time how long will take and we need our money back.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in 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 XXXX AND XXXX XXXXXXXX XXXX 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!

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

This information that I show here shows negative information that is greatly affecting me. This information does not belong to me. 

XXXX {$2600.00} XXXX XXXX XXXXXXXX {$750.00}
Product: Mortgage

Shellpoints payment history to the three credit bureaus is incorrect as of today. The loan was Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with transfer date of XX/XX/XXXX. The loan was current and the attached XXXX statements show payments we made for XXXX, XXXX and XXXX of XXXX. We have made a total of XXXX payments from XX/XX/XXXX to XXXX of XXXX, that were all paid in each month with no late payments. 

The loan was Service Transferred from Shellpoint to XXXX XXXX XXXX starting on XX/XX/XXXX. The attached XXXX statement from XXXX will show that both XXXX and XXXX payments were posted. The statement shows the XXXX payment recorded for XX/XX/XXXX and XXXX 's payment for XX/XX/XXXX. Both payments were made by XXXX directly to XXXX XXXX XXXX. 

The attached screen shot from our Experian credit report shows a status date of XX/XX/XXXX that I captured today. It shows both XXXX and XX/XX/XXXX payments note being recorded to the credit bureaus. It also shows a XX/XX/XXXX payment, that should not be showing, because our last payment to Shellpoint was XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My coinbase account has been locked for weeks. They say that it is under review and that in a few days it will be ready, but they have been that way for a long time. I have money stored in that account and I can not withdraw it due to this problem.
Product: Vehicle loan or lease

I'm unaware of who I should direct this inquiry so my apologies if you don't handle this but my " Statement of Vehicle Sale '', the " Retail Installment Contract '' and what the dealer told me are all completely different prices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2011 XXXX XXXX XXXX Door Sedan Vehicle Mileage - XXXX miles ***** '' Statement of Vehicle Sale '' ***** Plate Fee - {$110.00} Title Fee - {$15.00} Sales Tax - {$480.00} Purchase Price of Vehicle - {$7900.00} Other Taxable Charges- {$210.00} Total - {$8100.00} Non Taxable Charges - {$1700.00} Total Delivered Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Total of Finance Contract - {$14000.00} XXXX '' Retail Installment Contract '' **** Motor Vehicle Cash Price - {$7900.00} Paid to Public Officials for Certificate of Title XXXX {$23.00} Sales Tax - {$490.00} Document Preparation Fees - {$220.00} Non Taxable Charges - {$1700.00} Cash Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Finance Charges - {$5300.00} Total of Finance Contract XXXX {$14000.00} ***** '' Dealer Advertised Pricing and Actual Deposit Amount '' ***** Motor Vehicle Cash Price - {$5900.00} Sales Tax - {$350.00} Document Preparation Fees - {$220.00} Gap Coverage - {$1700.00} Down Payment - {$2000.00} Unpaid Balance Financed- {$6300.00} Finance Charges - {$2900.00} Total of Finance Contract XXXX {$9200.00} If this is not something your department handles I would appreciate if you could point me in the right direction. 

Thank you, XXXX.
Product: Money transfer, virtual currency, or money service

I contacted the company by email rescinding my permission to deduct scheduled payment on XX/XX/XXXX for a deduction scheduled for XX/XX/XXXX. Today they deducted two payments which resulted in two overdraft fees for the paid items. I would like the money returned to my account un addition to {$64.00} in fees
Product: Student loan

I made a payment on XX/XX/XXXX of {$8400.00} and they are saying they cant find that payment. After spending countless times on the phone and by email. They will not fix it. I have provided the bank statement 3 times and they still wont fix it. I need this to be applied. Ridiculous that it is going on almost 6 months and they wont do anything. It keeps accruing interest and late fees and making my credit score drop. I dont know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

Although XXXX, Experian and XXXX did remove " some '' of the unauthorized accounts and inquires, a few more remain.
Product: Debt collection

I noticed on our credit report that a debt collection company reported four unpaid debts on XX/XX/XXXX. 
We had no idea what the debt was for and so called the debt collection company. We asked several times for them to send a paper bill to see what the charges were for but were denied.She said they only send one notice, which she said was sent in XX/XX/XXXX. We never received that notice. 
We asked several times on the phone what company the debt was for and she finally told us it was for a medical facility for x-rays. 
The debt collection company divided the bill into four charges of {$51.00} each, which meant four flags on our credit report. 
The company is : Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Product: Credit card

On XX/XX/year>, Bank of America took a payment from my checking account to apply to a credit card. This was a double payment so my account went into the negative by {$480.00}. I called in on XX/XX/XXXX and was told that the money could be sent back as a partial payment refund and would take 7 days. I called in again on XX/XX/XXXX and was told to wait 30 days from the date of original call. On XX/XX/XXXX I received a letter stating that the money was refunded but no money is in my account. I was then told it would be an additional 30 days from there. This bank is following abusive and deceptive and unfair business practices by continuously extending the time line for repayment. I am concerned that this will be extended for many more months from this point all with them keeping my money with no interest paid to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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. I am writing to dispute the following information that appears on my consumer report. 
Dispute : XXXX XXXX # XXXX Acc.XXXX Experian Acc # XXXX XXXX. XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX XXXX - XXXX - {$3300.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Student loan

I am trying to get a refund of XXXX payments I made during Covid forbearance. When I call, I can not get through to a person and the answering machine says they are not open even though the call center doesn't close for XXXX more hours...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XX/XX/XXXX Ssn : XXXX My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom This May Concern, I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX THIS ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER XXXX unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTINGACT section 623 ( a ) ( 3 ), and Iam keeping CAREFULrecord of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. Iwill be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, Imay be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

*Please remove all non-account holding inquiries over 30 days old.

Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had funds wired in my Navy Federal CU account on XX/XX/XXXX and it sat there for several days before I decided to wire it out. I went to the branch and was asked about the company that did the wire, and I did not remember it off the top of my head. I finally found the email and then had to get a manager 's approval. This was on XX/XX/XXXX. The bank employee said he had to go in back and check on some things and later returned and said a fraud hold was being put on the money. I asked why, and they just said it was because they had some issues with the bank that sent the money, and it would be 3-5 days to release it. If there was a problem with the incoming transfer, I'm sure there would have been a flag raised prior to my transaction request.

Now it's been about 10 days since they received the wire and in this age of electronic banking and the Swift clearing house being almost instantaneous, this is not adding up. We are talking {$140000.00} they are holding hostage, and they act like it's their money to do what they want with. I want answers, but most of all I want MY MONEY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion On record has been informed to remove this credit collections services account and still has not removed it. When this issue was resolved in the agreement of paid was to be removed from my credit. This information is inaccurate on report and must be removed please.
Product: Checking or savings account

Wells Fargo bank did not update my banking transactions on account XXXX accurately ( as in whatever I charged was not getting deducted from my available balance immediately for approximately 4 days after XX/XX/2022 ) and this resulted in my account allegedly going negative for the very first time and they added multiple overdraft fees instantly. They couldnt explain what happened but proceeded to update the statement ending on XX/XX/2022 to show like nothing had happened on their end. So if the mistake was mine, why did they remove the fees they added? 

When I lodged a complaint with them they quickly escalated to the executive escalations and they removed the fees right away but have refused to remove the negative balance of XXXX $ In my view I believe they deliberately failed to update the available balance on my account ending in XXXX so that they could levy the fees since they have never charged any fees on that account
Product: Student loan

I have been paying my loans for now 26 years on a my 25 yr loan only to be told I owe XXXX still. Fedloan is a predatory lender by definition offering loans to unemployed students with no credit based on future or potential earnings. My loan was NEVER with them. I have repeatedly asked for official copies with my official signature which they will not provide. They then send an email ( which I provided ) saying its in my online acct. I have never signed up for nor signed into an online acct. Now during suspension by the govt I get mailed copy saying i OWE {$1400.00} to cover the interest for the quarter ( my original monthly pymt was {$130.00} ). This is ridiculous. I paid my debt with my original servicer and am now being harassed by a company stock piling interest with no real option to working out a contractual deal if there is even a need for one. I am also part of a lawsuit against XXXX XXXX XXXX who took my loan on a forgiveness program.. again I have never had a loan with Fedloan Servicing and am tired of being treated like a piece of garbage by this unethical company
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692c ( c ) IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATION.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), credit inquiries must only be made with my written consent, and I have not authorized the above-mentioned entity to pull my credit report. As a result, this hard inquiry is in violation of my consumer rights under consumer protection laws. 

Please consider this letter as my formal dispute and request the following actions : One Main Financial XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX removal of the unauthorized hard inquiry from my credit report. 
Investigation into how the inquiry was made without my consent. 
Confirmation in writing that the inquiry has been removed and that my credit report has been updated accordingly. 
Please note that if this issue is not resolved within 30 days, I will not hesitate to escalate this dispute to the relevant authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as unauthorized inquiries are a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed a balance on my credit report of {$1900.00} on an account with XXXX that I did not recognize. I called XXXX to notify them of the false account. The representative on the phone refused to acknowledge the existence of the account, and a few days later I received a piece of mail stating they were refusing to remove the account. I then notified the 3 credit reporting agencies who performed their own investigations. XXXX removed the account, but XXXX and Experian denied the fraud claim and kept the account on my report. I submitted a dispute against the denials and awaited a reinvestigation. When I realized the reinvestigation was going nowhere, in XXXX of XXXX I sent a letter to XXXX again asking for the account to be removed as well as any and all documentation relating to the fraudulent account pursuant to my rights laid out in the FCRA. In response, XXXX mailed me the same generic letter they sent me in XXXX denying my request to remove the account, and did not send any explanation or the documentation I asked for. The account is now holding a {$7900.00} balance.
Product: Debt collection

I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.
Product: Credit reporting or other personal consumer reports

I have notified equifax, XXXX, XXXX  and the creditors about these accounts that are fraudulently reporting to my credit and asked them to do an investigation I have yet to receive any correspondence as they have my updated email and physical address its been over 45 days since I have contacted them in regards to this. I have also submitted and sent all documents that has been requested. Below are the two accounts that need to be removed. 

XXXX XXXX {$810.00} XX/XX/2023 XXXX XXXX  {$700.00} XX/XX/2XXXX XXXX