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

My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative.
Product: Mortgage

I put my home on XXXX home modification I was paying the mortgage then all of the sudden they foreclosed on my home and sold. This was around XXXX
Product: Vehicle loan or lease

On XX/XX/2015 my car loan was paid in full. This is annotated on my XXXX credit report. I have tried to contact the company to have them updat it to the other credit bureaus but I was unsuccessful.
Product: Credit reporting or other personal consumer reports

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnisher on XX/XX/year>. It's been well over 30 days and I still haven't gotten a response. I'm very frustrated that fraudulent accounts that are not mine haven't been removed off my credit yet. I am demanding that this unauthorized account be removed off my credit or I will be taking legal action!
Product: Debt collection

I am writing to express my profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, which have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
These fraudulent accounts were reported without my consent and have caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately. 
It is astonishing that despite the overwhelming evidence provided, your bureau continues to overlook the severity of this matter and has failed to carry out its responsibility to maintain accurate and fair credit reporting. The continued presence of these fraudulent accounts is not only damaging my creditworthiness but also causing significant emotional distress and inconvenience.
Product: Checking or savings account

On XX/XX/2021, I was a victim of the " XXXX Pay yourself '' scam, where a scammer called my cellphone using my bank 's official phone number ( which was saved in my phone for years ), impersonated a Wells Fargo XXXX department agent ( they even gave me a fake name and fake employee ID number ), and told me that money was being stolen from my account using XXXX, and that the only way to cancel that transaction before it was too late is to XXXX " myself '' back the amount. Out of fear and panic, and believing that no one could call me from a Wells Fargo official phone number at the time ( especially since I was on the phone with Wells Fargo agents just 2 days prior ), I obeyed every instruction and ended up sending " myself '' the {$3500.00} using my XXXX name and phone number. Only to find out later that the scammer had used my name and phone number to open a " XXXX bank XXXX  account '', so the money that I sent to my " wells fargo XXXX  account '' using my phone number actually went to that XXXX account that the scammer created using my name and number. I immediately called my bank ( I also called XXXX, who I have NO account with ) as soon as the scammer hung up on me, and even filed a police report the same day, but my bank did absolutely nothing until weeks later ( they even mismanaged the case several times ), only to tell me that it was my fault because I authorized it and therefore they couldn't reimburse me. I tried everything, later learned about then told them about Regulation XXXX, spoke to branch XXXX, appealed the case several times, but they still refused to refund me even though I provided all of the evidence and am still working with the police. They pretty much keep saying, " you authorized it, so it is not our fault '', even though I was deceived by a wells fargo XXXX, using the wells fargo official number. Recently I found this article online : https : XXXX, and it states that we should email or contact you guys. I just want the bank to credit me back the {$3500.00} that I lost. They failed to tell us that their official phone number could be " spoofed '', they failed to cancel the transaction even though I called them IMMEDIATELY after it happened, they even failed to warn us about the scam until months after the amount of victims piled up, even though they knew about it as early as XXXX month before I fell victim to it. And lately, they've been refunding some victims who fell under the exact same scam, after initially denying their claim just like they denied mine. So why are they refunding some and not others even though the cases are literally identical? Please help.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 have a health savings account with XXXX XXXX a division of Webster Bank. I have reached out to them to try and close this account and transfer the remaining funds to my new health savings account. XXXX is holding the funds while charging me excessive fees and a very low interest rate. This is not surprising. They are making billions off the backs of consumers. I have done everything I need to do to get this completed. I need this resolved ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding the persistent presence of fraudulent items on my credit file. Despite multiple attempts to rectify this situation through your dispute process, I am dismayed to report that the fraudulent items remain unresolved. 

I have attached copies of my credit reports, highlighting the fraudulent items, and previous dispute correspondence for your reference. 

I have diligently followed the established procedures for disputing inaccurate information on my credit report, providing all necessary documentation and evidence to support my claims. However, to my dismay, these efforts have proven futile, and the fraudulent items persist on my credit report. 

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the failure to remove the fraudulent items despite previous disputes. 
Take immediate steps to rectify the inaccuracies and update my credit report accordingly. 
Provide confirmation of the resolution in writing, including the expected timeframe for completion. 
I understand the importance of accurate credit reporting, and the presence of fraudulent items has adversely affected my financial standing. As a responsible consumer, I have taken all necessary steps to address this issue, and I expect a swift and satisfactory resolution. 

I request that this matter be resolved within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XX/XX/2023 XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They just KEEP calling, even before XXXX. Latest was XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraudulent inquiry on my credit report today. I was notified by XXXX XXXX. I looked and there was an inquiry by XXXX. I was shortly thereafter called by XXXX and asked if I had applied for a credit card with them. I had not. They informed me they had shut down the application and recommended I call the 3 credit bureaus independently to have this inquiry removed and reported as fraud. I did this. Each credit bureau then recommended I submit a fraud complaint on FTC.gov, from where I was redirected to the CFPB website. I am now submitting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a creditor, trying to collect a debt apartment complex that I do not owe. 
It was seven years ago and I asked for proof of original paperwork original signature and they did not provide me with valid copies of any of this, they sent my copies of stapled paperwork that couldve of come from anywhere that has a signature on it but is not my signature it is fraud.I went even further and actually called the apartment complex that the creditor stated they received this debt from they looked in their computer and I do not exist anywhere even did a back date and could not find me. At that point I went even further and I went to the apartment complex with the letter PDM sent me and my Drivers license and they still had no record of me .This is fraudulent and Id like this taken care of as soon as possible and removed from my record. XXXX XXXX and my assists are being threatened to being withheld from something I had no responsibility for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with Experian Response to my CFPB Complaint # XXXX in that it is the same as your last response : we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported When you accepted this response from XXXX XXXX, you failed to do as you further stated in your response : If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. 
Well, part of your processing should be the review of the information that I sent you. If you take a took at XXXX XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX, you will see that I was 30-days late in my payments to them on XXXX XX/XX/XXXX, and not on XXXX XX/XX/XXXX, which is when they reported that I was 30-days late on my payments to them. 

XX/XX/XXXX - {$670.00} - {$310.00} - {$350.00} $ XXXX Regular Payment NSF Fee Assessment THIS INFORMATION COMES FROM XXXX XXXX XXXX XXXX STATEMENT ' DATED XXXX XX/XX/XXXX- YOU MUST READ IT The above extra from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, I was 30-days late on my payment # XXXX, and it also says that I stopped paying them in XXXX of XXXX. This XXXX XXXX report contradicts the reports that they submitted on XXXX XX/XX/XXXX The difference in the two dates, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, makes their XXXX XX/XX/XXXX report to you as False or inaccurate. The Loan History that they provided at the time shows that I paid them until XX/XX/XXXX, If you take a look at the extract of their Loan History Statement, you will see that my LAST PAYMENT to them was in XXXX of XXXX. Given these two facts, without a need to contact XXXX XXXX, anyone in your company who understand English should realize that XXXX XXXX reports submitted to you on XXXX XX/XX/XXXX are inaccurate, therefore, you should remove/delete their reports from my credit record. If you read my entire complaint, you will see that the facts that I provide, which are based on XXXX XXXX own data, will render the reports that they submitted to you as false or inaccurate. 
I am going to continue sending this complaints to CFPB until an honest person in your company reads the contents of this complaint, and the contents of the attached two files : Feedback to Experian Response to CFPB XXXX XX/XX/XXXX Complain, and XXXX XXXX XXXX XXXX XXXX, dated XXXX XX/XX/XXXX.
Product: Student loan

I attended XXXX XXXX University, XXXX for 2 years to complete my XXXX 's dgree. I then attended XXXX University to complete a XXXX credential. I earned an XXXX Credential and XXXX XXXX Degree in XXXX at the University XXXX XXXX. I then attended XXXX XXXX University to clear my XXXX Credential and earned a XXXX in XXXX XXXX. I worked for 22 years in XXXX   as a classified employee, XXXX XXXX XXXX and XXXX. All 22 years were at XXXX XXXX XXXX XXXX XXXX. 

This information is relevant because all of my education, certifications, and degrees were required for the positions I held in education. 

I applied for " Student Loan Forgiveness '' with the US Department of Education. I was told that if I pay on the student loans for 10 years AND worked in a government approved service job the rest of the loan balance would be " forgiven. '' I paid on my student loan for the 10 years and was then told that I " have the wrong kind of loan. '' The bottom line : > I have now been paying on my student loan for the past 14 years. The balance in XXXX was {$110000.00} and the interest rate was 7.5 %. Today the balance on my student loan is {$100000.00}. 
> I was able to switch loan companies in XX/XX/XXXX to FedLoan Servicing. The reason I moved to this company was to get a lower payment and lower interest rate. In the last 17 months my loan balance has been reduced by only {$160.00}. The interest rate is 4.75 %. 

I pay my mortgage every month and the balance goes down every month. I pay on my student loan and the balance has not only gone UP several years in a row, due to a high interest rate ; but it is now going down by only {$9.00} a month. 

I retired from my position as a XXXX in a XXXX XXXX XXXX XXXX XXXX   in XX/XX/XXXX. I am XXXX years old. You don't have to be a genius to see that I will die while still paying on this loan.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and I'm unsure why they're there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser to see if it was a glitch, but the inquiries remained. I am extremely frustrated and need this issue resolved immediately by having the documents I sent thoroughly reviewed so I can stop worrying about it.
Product: Mortgage

On XX/XX/year> I entered into a repayment agreement to catch up on mortgage payments because I had fallen behind. The agreement stated that I would make XXXX payments over the following 6 months. I made each of those payments. In XXXX I had lengthy conversation with the mortgage company about this repayment agreement because I wanted to ensure that all payments would be made and brought up to date so I wouldnt possible lose my house. The point of contact I spoke with at the time explained that the XXXX payments during the repayment period would have extra escrow payments because of the deficient in the escrow account at the time. He stated that the additional payments would be applied to the balance of the loan. 
At some point the mortgage was transferred and even though I made all my payments as agreed upon the new mortgage company refused to honor the repayment terms. In the terms of the repayment it stated that a modification would be approved at the end of the repayment period, shellpoint denied the modification. Shellpoimt also refused to apply the extra payments to the balance of the loan. I have tried to call them for months to rectify this situation. I have called them at least XXXX times over the past few months and no one has ever returned any of my phone calls. At this time my escrow has an overage of {$7500.00} and even though the analysis states shellpoint owes me this money back they refuse to apply it to the outstanding balance of {$3800.00}. The escrow has been accruing because they keep using the repayments as my regular payment. The repayments include an extra {$300.00} a month going into escrow and each time I make a payment the escrow grows and grows. I have tried asking them to apply it to principle to help me catch ip but they refuse. 
Basically, all the payments I made should have put me 3 months ahead of the loan but because the company refused to stop applying these extra funds to the escrow. I have been dealing with this since XXXX and no one has bothered to help me resolve this problem. Customer service just keeps opening tickets but I never hear back and then when I call the tickets have been closed with no response. I am besides myself trying to resolve this issue. I have paid back all the outstanding plus some but somehow Im still 3 months behind. I have a copy of the repayment agreement and according to that document this shouldve been all set in XXXX. Its now almost XXXX and no one has even refurned XXXX of my phone calls or complaints. 
And on top of it, they send me foreclosure threats every week but Im only 2 months behind at this point and every month I am trying to make up the deficit, even though all the money has been paid back its just sitting in an escrow account. Please help!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX CHILD SUPPORT REF # : XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.
Product: Debt collection

I have never received a phone call or letter in the mail from this company or even heard of them. I have just been notified that I owe a collections of {$180.00} and it also states that the account was opened on XX/XX/2018. I have never used XXXX XXXX because I don't have cable. I only pay for internet through XXXX XXXX XXXX. I do not have signed a contract or gave permission for anyone to get anything in my name. Could you remove this account from my credit report? This has just dropped my credit score 10 points.
Product: Consumer Loan

Payments were sent to FIRSTMERIT BANK on or around the dates of XXXX & XXXX in the full amount of {$70000.00}. However, FIRSTMERIT BANK did not release the title of the vessel in relations to my account XXXX # XXXX XXXX. See attached exhibits for further details. I called FIRSTMERIT BANK and XXXX their representatives informed me that they were going to send me my title ; however, I received a letter detailing that they were not going to release anything, even when my account clearly has been paid off. This is a direct violation of UCC XXXX ( b ), UCC XXXX ( b XXXX & XXXX XXXX XXXX and refusal to release title after the debt has been cleared. As stated, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. As a result, a complaint was filed with the XXXX ( See attached receipts and records listed Exhibits ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX someone used my info to purchase a vehicle from XXXX XXXX  n my name this person social is XXXX which is sum little girl its not mine but they said it was mines n stuck this on my credit report I went to apply for a house cause of this on my credit report it didnt happen I have worked hard to get my credit right n now this also this person have turned this vehicle n I guess I will have too start too sue paperwork for this company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX and Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 Has also violated my rights. It is against Fair Credit Reporting Act 15 U.S.C 1681b Section 604 for an entity to view my credit report without a permissible purpose. The inquiry was performed under false pretenses 15 U.S.C 1681 States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.