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

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent finding by the CFPB, which identified similar practices by Navy Federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit card

On XXXX I called to request a reduction or waiver of a late fee.

The late fee was charged on XXXX, and I made payment on XXXX.

The balance on the account was {$45.00} and the late fee was {$40.00}.
Product: Debt collection

I have no outstanding debts with this company or any credit institution they claim I owe money to. I urge authorities to take action against this company or consider shutting them down. Their tactics prey on numerous victims through deceptive threats of owed debts.
Product: Debt collection

They are attempting collect a utility debt on a house that I no longer own. I told them the house was tax foreclosed on over 5yrs ago. I believe the tenant left the bill after squatting in the house after it was foreclosed on. They said that I was still responsible even though the City of XXXX took ownership of the property while preparing for a tax sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA, ECO. 
11years perfect payment history. My utilization was just below half. Tansunion clamed i had multiple department store cards with high limits. LIE. i had 4. And 2 of them are 35 % utilization btw under. And with there letter request to lower my cc limit to two of my retail cards to the balance had that then shot my utilization for those 2 card to 99 %. Is a complete mis representation of me, transunion MADE IT True by sending that request. Transunion clams they are following FCRA / ECO. But they dismissed my flawless payment history with that company that had opend 3 years ago.and they ajard my utilization score to make there letter read true. 
On XX/XX/XXXX at XXXX i received a email XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit. On the XXXX according to transunion XX/XX/XXXX they had made efforst to make changes to my cc limit they also claimed because i didnt own a house. For collateral. I was hung up on 2 times when i proved that they fabricated lies and made a amind amount to the show supper high utilization scores. Like they had claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had initiated a security freeze several months back when compromised data was an issue! Now EXPERIAN is making it very difficult to get this removed! Unacceptable practices, asking me to mail in multiple forms of ID could not remove online, even though thats where initiated the freeze from in the first place! Other two credit bureaus super easy to remove. This is the kind of practices that makes consumers very angry!!
Product: Checking or savings account

My information was used to try to open an account at a bank. Account was declined. They have a lot of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Transunion regarding a Public Record ( Bankruptcy ) on my credit report via their online dispute mechanism on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Transunion to verify this information and show me how they had verified this information. 

XXXX XXXX NEW JERSEY DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : CH XXXX BANKRUPTCY DISMISSED/CLOSED Responsibility : Individual Debt Court Type : US Bankruptcy Court Plaintiff Attorney : XXXX XXXX XXXX Transunion closed my dispute one day  later on XX/XX/XXXX saying they had verified the information. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX XXXX NEW JERSEY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX No information was provided as to how they verified the information. 
I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus. Furthermore, the court was closed on XX/XX/XXXX as it was a public holiday ( XXXX XXXX ). 

There is no way that this information was correctly verified.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX**** Balance Owed : {$18.00} WFC XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

got a letter stating {$200.00} of unpaid intrest accrued on my loans despite my loans being placed in forbearance from XX/XX/year> until further notice. Document stated the interest rate was set to 0 %
Product: Credit card or prepaid card

This email is regarding my XXXX XXXX XXXX  XXXX XXXX card. I have been using this card for several years and I am very punctual in my payments always. But this year they have been so rude and greedy to earn money through charging late fee and finance charges for ridiculously no reason. First of all, I always pay my full account balance on time or when they send me a postal letter or email reminder for a due date, but I always tried to pay before that and never get any charges, late payments ever. But this year, I shopped and when I logged on on my own without any notification of the due date, I don't see any late charges or finance charge, so I paid in full which is {$10.00} and some cents. Then again after a week or 2, I shopped for some cents and within a few days they send me late due date charge through email which surprised me, then I logged in to pay, and here 's how they are making money this year, I saw a few late charges and finance charges on my account which made me so mad. I called their customer service and the lady said she can only waive one late payment. This is so ridiculous, till last year, they always send paper reminders and emails as well. I understand for going paperless, but how about email reminder? and all of a sudden they charge more than 2-3 late charges. What the heck? I want my account clear of every single penny, since I paid, they charge me for that payment twice, coz of one day late payment, which I never get any reminder and for XXXX XXXX  sake, its only one day late. Then they kept on charging late payment on a late payment due, what's wrong with these guys? and on top of that, they are charging finance charges also. A big WOW. I can not take this anymore, Waive all my charged and I will make sure never ever shop with this card, or shop at XXXX XXXX anymore. This is insane, and cheap tactics to make more money. I am writing this to the XXXX   XXXX XXXX as well. I send this kind of email to comenity bank customer service as well a couple of weeks ago about this issue and guess what, they don't even bother to reply even one word back to me. I want all my charges cleared up, and I will be closing my card and stop shopping with XXXX XXXX from now on. I am a straight walking person, I cleared all my accounts in a timely manner, this is ridiculously pathetic money earning tactic for charging money and overcharging.
Product: Mortgage

My mortgage through Specialized Loan Servicing has a PMI requirement until you hit 20 % equity in the property. This is normal for a mortgage company to require PMI up until XXXX  %. However, once that happened, I tried to get the PMI removed. I had a number of difficulties in this process and was ultimately told that it couldn't happen unless I was willing to pay a fee. This did not strike me as fair. 
In XXXX of XXXX  when I had surpassed 20 % equity, I called the company to learn the process and was told by a representative that he could take care of it. I had previously received mail letting me know that I would need to submit a written request so I asked the rep about it and he said it was no problem and he could take care of it. However, by XXXX I was still being charged PMI. So, I called again to figure out if just writing a note and mailing it to the company ( which were their only instructions - I couldn't call or email, which is very frustrating ) would be sufficient as a " written request ''. I was then informed that I had to print off a specific form, sign it, and mail it in and then I would have to pay a variable fee ( depending on what Specialized Loan Servicing found for a professional in the area ) to have the property value assessed and they would consider removing the PMI. This struck me as a burdensome and unnecessary evaluation, since I have property value assessment information for free from the city. I then asked if I could just pay additional principal to get to the 78 % of " Original Value '' and was told that Specialized Loan Servicing will ONLY use the original amortization schedule in calculating that value. WHY? It seems to me that Specialized Loan Servicing is unnecessarily making the process difficult so they can make more money even though the true equity that I have in the property was way above 20 % more than a year ago! This is not a fair situation. Do I have any other recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received my inheritance money and used it to pay off all of my credit card debts in full. I did not accept any debt forgiveness or discounted payoffs for these accounts. I paid the full amounts including interest completely off. Where is the incentive to be a responsible adult and pay my debts off in full if my credit reports are still showing late payments for accounts that have been paid in full and closed for several months now? The accounts mentioned are as follows : XXXX XXXX XXXX  : {$2400.00} XXXX XXXX  : {$1500.00} XXXX XXXX XXXX  : {$1400.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX XXXX XXXX : {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX : {$480.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) Please update these comments to either paid as agreed closed or paid closed never late. Since I did pay all of the past due amounts in full, my responsible actions should be rewarded and reflected on my credit report giving me the second chance I worked so very hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate.

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concerns regarding two critical issues with my account : the delayed opening of my account and the presence of a charge-off account that has been erroneously reported. These issues have not only caused significant inconvenience but have also adversely affected my financial standing. 

Firstly, regarding the delayed opening of my account, I initiated the process and provided all necessary documentation promptly. However, despite assurances of a swift response, there has been an unacceptable delay in processing my account. This delay has hindered my ability to engage in financial transactions and has left me feeling frustrated and disappointed. 

Secondly, I was dismayed to discover that a charge-off account has been reported on my credit history. This account is inaccurate and unjust, as I have no record of such an account. The presence of this erroneous entry has had a detrimental impact on my credit score and financial reputation. 

I urgently request that you take immediate action to address both of these issues : Expedite the processing of my account opening without further delay. I expect prompt resolution and timely communication regarding the status of my account. 

Remove the inaccurate charge-off account from my credit history. This erroneous entry must be rectified swiftly to prevent further damage to my credit score and financial well-being. 

I trust that you understand the urgency of these matters and will prioritize their resolution accordingly. Failure to address these issues promptly may compel me to explore alternative options, including legal recourse. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$36000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX  XXXX Balance : {$16000.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX. XXXX XXXX Balance : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX XXXXBalance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$11000.00} XXXX XXXX XXXX Account Closed Last Updated : XX/XX/2022 Credit Usage no knowledge of any closed account for XXXX, XXXX noone is responding to me, my credit score was XXXX XXXX  months ago and all of a sudden i have XXXX late payments from companies and accounts i dont know of
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. XXXX XXXX  LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it s reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase Bank does not have standing and never had any rights to bill me for the 32 yrs it has been collecting on this fraudulent account. This is in addition to the document experts proof affidavit already in XXXX XXXX records I already furnished them with previously stating my signature is forged and etc ... I want this fraudulent account report removed immediately. XXXX XXXX is hidden but the attached shows the mortgage was sold to XXXX XXXX then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.
Product: Credit card

They are denying my application for my macys store credit card I have a disability and feel discriminated against
Product: Credit card or prepaid card

I have been advised several times by customer service that my secured Amazon store card should have graduated from secured ( refunding my deposit ) and continuing with as an unsecured line for the same credit limit. I have been given the run around and now this feels to be unfair and extremely deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I have discovered numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to employ immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I do n't know whats going on over at PNC bank, but this place has notoriously slammed me with the most obscene overdraft charges. Once again, here I am, pouring my heart out for the sake of not having to XXXX XXXX XXXX to get by. I woke up to XXXX $ in OD charges. Let me start by saying, I can not fathom how this is legal. Common sense would say that i would pay a penalty percentage, not XXXX $ per item. Regardless, PNC has once again stacked charges and waited till after business hours to process them. All in the name of scamming money from the people that do n't have it. I 'm not sure where to start, but this is wrong and needs to end. I do n't have those kind of means. Waking up to an account that negative XXXX $ short ( of which is XXXX in OD charges from your own bank ). How is someone on a poverty level income suppose to correct this?
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX XXXX that an inquiry was placed on my credit file. Due to the fact that I have no access to the company that placed an inquiry on my credit report, I contacted XXXX XXXX XXXX on XXXX at approximately XXXX. 
I spoke with an representative XXXX, and informed her that I was calling to dispute an Inquiry from a CitiBank-Best Buy. I let her know that I have not applied for any credit since XX/XX/year>. We started to advise me to contact the company that placed the inquiry and that there wasn't anything she could do. 

I informed her that I did not have any information about CitiBank - Best Buy, that I do not know how they obtained my personal information, and this is why I was contacting them to assist me with disputing the Inquiry. XXXX XXXX goes on the state that the Inquiry would stay on my credit report for 2 years, that I can contact the company, ask them about it and have them to contact XXXX. 

I know that I have Consumer Rights under the XXXX.