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

I have called MULTIPE times about my overdraft fee 's.

I have had over {$210.00} in fee 's in the last 90 days. 

They will NOT allow to refund me anything back. 
They said only once per 12 months which is UNACCEPTABLE after I had my overdraft protection fee on. 


it is so frustrating that when I go through a hard time as a single mom, they want to take all this money from me. it's HORRIBLE business.
Product: Credit reporting or other personal consumer reports

TransUnion has multiple inquires and NON-MAILABLE ADDRESSES AND NAMES on my consumer report that I do not recognize. Transunion has violated my rights due to reporting inaccurate information on my consumer report. 15 usc1681states that it is a grave responsibility to report fair and accurate credit reporting. Inaccurate reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system TransUnion did not exercise their grave responsibilities with fairness, impartiality, or respect for my consumer right to privacy. TransUnion did not adopt a reasonable procedure for meeting the needs of commerce for consumer credit. TransUnion also violated my rights according to the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$900.00}
Product: Vehicle loan or lease

On XX/XX/XXXX Titlemax unlawfully committed a theft by taking and theft by conversion in violation of the XXXX, XXXX, and XXXX amendment when they unlawfully XXXX my XXXX XXXX without judicial determination.They are committing fraud against the beneficiary in this matter.The contract I signed is a security specifically a promissory note/banker acceptance/bill of exchange which is equivalent to cash. That means that titlemax sold the instrument to secure immediate credit in which i the grantor/beneficiary extended credit to Titlemax by signing the instrument.This credit is represented by the promissory note which titlemax used to secure funding or sell to another party.In conclusion I would like to reiterate that the loan transaction between myself and titlemax involves the extension of credit from myself to the financial institution titlemax. They had no lawful reason tow my vehicle causing me to lose my job causing me severe emotional distress.
Product: Student loan

When student loan payments were going back into effect, I went to StudenAid.gov to view my options. They estimated consolidating my loans and participating in the SAVE program would be the cheapest and most effective repayment plan for me. Therefore, I opted to consolidate my loans and go with the SAVE program. After this step was completed, all of my loans where transferred to Mohela. They are now indicating I am to pay approximately $ XXXX, which is not affordable. They are also expecting me to make payments for the next 30 years even though I have been making payments for 6 years already. This is putting my total payments at {$130000.00}, my current balance is only {$70000.00}! I understand how interest works, but this is practically doubling what I currently owe. This is extremely frustrating, especially considering I have already paid off almost half of my initial loan borrowing. I called Mohela in attempt to resolve this problem. To my calculation, even with interest, it would be a lower monthly payment and a lower overall repayment to switch to a standard 10 year repayment plan ( even if that means I sacrifice PSLF ). I was told since I consolidated my loans, I am no longer eligible for a standard 10 year repayment plan, and my only options were to participate in a 30 year repayment plan, which significantly increases my monthly and my total overall payments. According to information about the SAVE plan on StudentAid.gov, " The maximum repayment period is capped at 20 years for those with only XXXX loans and 25 years for those with any XXXX school loans. '' 30 years is beyond the maximum repayment period. They are requiring me to make payments beyond the maximum repayment period. I am now stuck with an unreasonable monthly ( and total ) repayment plan that is as lengthy as a mortgage. During the transitional time of having my loans bought out by Mohela, there was a significant period of time where previous loan servicers and StudentAid.gov reported I had a balance of {$0.00}. It was also reported to all major credit bureaus that my loans had been paid off and the accounts were closed. It wasn't until a significant period of time later that I was finally contacted by Mohela about repayment. I feel extremely mislead about the status of my student loans, especially since the credit reporting is a major change.
Product: Mortgage

I put in offer on a foreclosed home in XXXX XXXX, VA on XX/XX/XXXX with NATIONSTAR MORTGAGE/MR COOPER my offer was verbally accepted and we were promised a contract within 2 weeks. I assumed I would have heard something back by now, I ended my lease with my current apartment because I thought I wouldve heard back by now. I will be pretty much homeless in 4 weeks so I am trying to do whatever I can to prevent this from happening. Every time my realtor has reached out to the listing agent, he says he has no updates for us. We have been trying relentlessly to try to get some answers out of this company and I will have nowhere to live if this does not get cleared up soon. Please help I STILL DONT HAVE A CONTRACT OVER A MONTH LATER
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX where I paid my account off. At that time the company noted a late payment at payoff processing and it has hurt my credit since. 

I have reach out via Experian to dispute this matter and no resolve has been made. 

In accordance with the Fair Credit reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 where it states I have a right to privacy and in 15 USC 1681, section 604A, sec 2, it states that a credit reporting agency can not furnish an account without my written instruction. 

I am asking to have this late payment report removed from my credit report for all ( 3 ) main credit agencies. Experian, XXXX XXXX, XXXX.
Product: Checking or savings account

Around XXXX or XXXX of XXXX, I received a letter from Citizens Bank informing me that my XXXX accounts would become Citizens accounts on XX/XX/XXXX, XXXX date specified in the letter. Specifically, the letter mentioned : " As we transition your XXXX accounts to Citizens over the weekend of XX/XX/XXXX, there will be a delay in accessing your account ... '' which has lasted well over two years. 

To provide more context, I received my first e-mail from Citizens Bank on XX/XX/XXXX to confirm my details and " Enroll in Online Banking '' according to the call-to-action in the email. 

Firstly, this e-mail was sent to me one year after I received the physical letter in the mail about the transition of my XXXX accounts to Citizens accounts. Second, I've been trying to enrol online without luck until today, another year later. Every time I tried to enrol online, I had problems receiving my one-time passcode. 

So today when I was finally enrolled into my online banking, I saw that I had no money left in the bank. The earliest bank statement I was able to access online from Citizens was from XX/XX/XXXX, which showed I had a balance of US {$94.00}. Each month, Citizens Bank has been me two fees : {$4.00} for " XXXX XXXX XXXX '' and {$3.00} for " Statement Delivery ''. By XXXX XXXX my bank balance dried up completely due to Around XXXX or XXXX of XXXX, I received a letter from Citizens Bank informing me that my XXXX accounts would become Citizens accounts on XX/XX/XXXX, XXXX date specified in the letter. Specifically, the letter mentioned : " As we transition your XXXX accounts to Citizens over the weekend of XX/XX/XXXX, there will be a delay in accessing your account ... '' which has lasted well over two years. 

To provide more context, I received my first e-mail from Citizens Bank on XX/XX/XXXX to confirm my details and " Enroll in Online Banking '' according to the call-to-action in the email. 

Firstly, this e-mail was sent to me one year after I received the physical letter in the mail about the transition of my XXXX accounts to Citizens accounts. Second, I've been trying to enrol online without luck until today, another year later. Every time I tried to enrol online, I had problems receiving my one-time passcode. 

So today when I was finally enrolled into my online banking, I saw that I had no money left in the bank. The earliest bank statement I was able to access online from Citizens was from XX/XX/XXXX, which showed I had a balance of US {$94.00}. Each month, Citizens Bank has been charging me two different fees : {$4.00} for " Serv Charge Db '' and {$3.00} for " Statement Delivery ''. By XX/XX/XXXX, my bank balance was completely dried up due to these outrageous charges especially while I was basically locked out of online banking. 

This is completely unethical management and the behaviour is in line with scam/fraud.
Product: Credit card

I opened XXXX XXXX visa credit card on XX/XX/year>. I paid {$450.00} annual fee and have maintained good relationship with XXXX Bank -- as in making payments in time. 

Per the website advertisement : XXXX XXXX XXXX, I was supposed to receive XXXX of {$25.00} inflight duty free coupons annually within XXXX to XXXX weeks from opening the card. I have not received them, so I called XXXX Bank twice today only to be told that they can't help. 

I am writing this to request my missing coupons.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX, AND XXXX were 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

I called the Chase agent and told me that I did the wrong thing for taking some of my money from the credit card and deposit through my debit card. I tried to pay fully and she was blaming on me. The other agent told me that I did right thing. That way I dont have to worry about it. I tried to be responsible, but I kept spending things that are necessary especially buying XXXX gifts for my family. So to XXXX with that agent. Because of her I have to get a new credit card.
Product: Checking or savings account

As of XXXX of XXXX. I discovered that I've become a victim of identity theft. I had a substantial amount of money in my checking/savings and credit card account and overlooked large sums of money being charged and transferred from my account. It has been verified that my account has been compromised due to a spyware remotely accessing my phone. I was able to get an incident report from law enforcement and an identity theft report from the Federal Trade Commission to support my claim after thorough investigation was done and confirmation was made of how my accounts were compromised. Multiple lines of credit of was opened and services were used in my name. I reached out to Navy Federal Credit Union to dispute the charges with the Fraud Department. I first discovered the unauthorized credit card charges, in which I reported to Navy Federal. An investigation was done and I was able to get the charges credited back to my credit card. The original credit card account was closed and a new card was issued. After filtering through my checking/savings account, I discovered charges dating back to XXXX that I was unaware of. There were a large amount of XXXX and XXXX transactions, along with other fraudulent charges that was linked in my name. The Fraud Department issued a 'Statement of Forgery for Navy Federal Debit Card/CUCard Form ' for me to list each itemized fraudulent charge. I submitted as many charges that I was able to list on the form. I also have additional to submit as well. I was advised that an investigation would be done and I would be notified of a decision within 45 days. I haven't heard from anyone at NFCU in regards to my fraud claim. After a few months went by, I have followed up with a NFCU representative to verify the status of my claim. I was advised that the claim was denied. I received no notice of denial via phone, mail, or email. I have yet to get a fair resolution based on a lack of support and lack of effort in properly investigating this matter in a timely fashion. Within the time of the identity theft, I have experienced a major financial hardship that caused me to almost lose my home and a car repossession. I had to apply for government assistance in order for me to keep my bills paid. This has also affected my credit. I've applied for a personal loan, auto loan and even an increase in my credit limit for my credit card. I've been denied for all three loans ( in which my consumer law/FCRA rights have been violated ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an inquiry on my report : XXXX XXXXXXXX : Date : XXXX It is fraud and need to be removed
Product: Money transfer, virtual currency, or money service

I have been a customer of PayPal ( PP ) for YEARS and have provided them a copy of my : 1 ) Drivers license 2 ) Linked my PP to an American bank ( XXXX XXXX ) 3 ) Linked my XXXX XXXX XXXX credit card And now PP is asking me to give them a bank statement to provide my identity. 

How is this acceptable? 

I can go in to any bank and open an account with a government issued ID or If I get pulled over by a police man/woman - they would accept my government ID. 

I want to close my PP account and never transact with them again.
Product: Credit card or prepaid card

I received a letter in the mail in early XXXX that Barclay would be closing my account on my XXXX credit card that ends in XXXX. My payments have not been late nor have I had any issues with this or any Barclay cards that I have. I called the company today to see if they would reinstate my card and they declined to do so. I no longer have the letter that was sent.
Product: Checking or savings account

I received the {$41000.00} check from the United States Department of the Treasury. Government checks are to be made payable upon demand and are insured by the United States government. XXXX XXXX  received the check and Cashed it and deposited the funds into the account, But said the funds would not be available for 5 days. The online system showed the funds available the very next day as is the law, I didn't notice it until 2 days later, and at that point, XXXX XXXX  placed a hold on the funds without providing any notification, any warning, any explanation. 

I complained to XXXX XXXX, they contacted the US treasury, told them they believe that the transaction was fraudulent, based on no evidence, based on no information, only based on the fact that I complained! These intelligent creatures in retaliation that this and attempted to cause me great distress. This was a business account that these funds were being deposited into, dealing with a trust, they are liable for the total amount plus damages, at the very least and they have not made any compensation. 

Because of the complaints made to U.S. Bank they decided that they were going to terminate both accounts, the personal account and a business account, these are 2 separate accounts, they terminated him at the exact same time, when the only issue was with the business account. They violated their own policy, which incorporates an arbitration agreement for any and all disputes!

The law that allows financial institutions such as, U.S. Bank, to be the custodian over accounts, does not give them the right and/or the authority to shut down account simply because, even if it is within the contract, because it operates as an unconscionable clause! The first amendment to the Constitution for the United States of America guarantees every person in the borders of the United States and within their territories, the right to petition for a redress of grievances, which means that there must be an appeal process! This is primarily the reason for the creation of the administrative procedures act, which requires all corporations and agencies and/or departments of government to have an administrative procedure for processing appeals. Shutting down account, simply because, for any reason whatsoever, without the right to an appeal, is a violation of the administrative procedures act for which U.S. Bank is bound and party thereto! 

This violation only violates constitutionally secured rights but also administrative procedures, and is therefore unlawful. They are liable for the full {$41000.00}, plus the {$10000.00} worth of legal expenses, reestablishing of both accounts, And a formal apology which is unconditional!
Product: Mortgage

Mr Cooper was my mortgage loan processor when the XXXX pandemic occurred. I was approved by Mr Cooper to utilize the XXXX XXXX XXXX to defer monthly mortgage payments when I was having difficulty paying. I paid when I could during this time, but utilized it numerous times while under this plan. 

One issue that arose during this time with Mr Cooper was their accounting for these deferred monthly payments. Mr Cooper just added the deferred monthly payments to the $ amount due section of the statement, as though I had missed a payment or payments. This was always a problematic and deceptive presentation that made the accounting for these deferred pmts, as opposed to any regular monthly missed payments, difficult ( at the very least ) to differentiate. I do understand their dilemma regarding the presentation of these amounts, in that it would have been costly to re-configure their monthly mortgage statements, but they still should not have identified deferred payments in this manner, as it has led directly to the nightmare, I have been living in for more than XXXX years now. 

The problem arose even for Mr Cooper being able to properly differentiate between what were allowable deferred XXXX deferments and what were missed monthly mortgage payments. This differentiation became much worse when Mr Cooper sold/transferred my mortgage note to XXXX XXXX XXXX XX/XX/XXXX ( because XXXX treated XXXX amounts shown as Due as being delinquent and not relating to any legal XXXX Pandemic Forbearance Plan deferred payments ). 
The XX/XX/XXXX mortgage statement from Mr Cooper shows me as being current as it identifies that the $ amount due for XX/XX/XXXX is my regular monthly mortgage payment. 
Please see attached my monthly mortgage statements from Mr Cooper. Note on the XXXX page of each statement their update of my Pandemic Forbearance Pan under Heres Some Helpful Information. Note that from the XX/XX/XXXX mortgage statement through my last mortgage statement from Mr Cooper all comment on my Pandemic Forbearance Pan ; the implication being that I was under this plan from XX/XX/XXXX onward under Mr Cooper. Additionally, I am attaching a Mr Cooper letter dated XX/XX/XXXX that identifies that my plan has been extended and additional XXXX ( XXXX ) months for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Note : Mr Cooper transferred my mortgage to XXXX XXXX in early XXXX and any payments made after XX/XX/XXXX were to be made to XXXX XXXX. 
I am also enclosing an email that I created that includes an extract from each monthly statement from Mr Cooper from XX/XX/XXXX through XX/XX/XXXX Additionally, I am also enclosing a Mr Cooper letter dated XX/XX/XXXX ( XXXX ) that should establish that I had applied for a Pandemic Forbearance Plan XXXX XXXX deferments ) in/before XX/XX/XXXX.
Product: Credit card or prepaid card

I used the Care Credit Card for medical and dental procedures because they offered 2 years no interest. I paid the card every month on time some times way above minimum payment, which is over {$400.00}. I have 12 months left to pay the balance of {$3000.00}. The minimum payment has stayed at {$440.00} which is way more than it should be. {$3000.00} divided by 12 months is {$250.00}. So I am being forced to pay it off 6 months sooner than the promotional offer.I called them and even spoke to a supervisor and they basically said too bad. it is what is is.. So clearly the promotional offer until XX/XX/2021 is fraudulent?
Product: Credit reporting or other personal consumer reports

I want these inquiries removed I did not authorize these companies to run my credit