23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXXXXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( XXXX, XXXX, and Equifax ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( XXXX, XXXX, and Equifax ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( XXXX, XXXX, and Equifax ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this dispute for XXXX years. When XXXX hit, XXXX offered an alternative payment plan, which they advertised on their website and to their customers. Due to the global emergency, customers were put on a plan to pay less and not be reported. I was put on this plan but started getting reported each month. I have never had late payments until XXXX. I contacted them multiple times and explained that they had put me on the global emergency plan, and they agreed that I was not supposed to be reported. Despite this, I have been reported almost XXXX times for XXXX separate loans, and there has been no response from XXXX. They continue to threaten to charge off, and I continue to make payments as best I can, but I can not catch up with the past due amount. I would not have any past amount if they had never put me on the plan and reported otherwise. They fraudulently placed me on a plan and reported me as delinquent even though I made the new payment as required. I have documentation over the last three years to show they lied and continue reporting me. I will be seeking legal remedy with the state attorney general as well. These fraudulent practices shall not continue. They put me on a plan I didnt need, had me pay a different balance, and lied and reported me for not paying enough.
Product: Credit card or prepaid card

Purchased 2/ {$50.00} " Vanilla Visa gift cards '' from XXXX XXXX XXXX XXXX. Tried to use one card for purchase only to learn there is no credit available. Contacted Vanilla Gift cards " InComm Dispute Department XXXX '' ... Was recently advised it will take minimum 90 days for resolution, a total scam..
Product: Money transfers

My wife used to send money to XXXX. she died XXXX 2015. I continued to send money but did not delete her name or add mine. requested refund of XXXX due to non contact of recipient. Faxed copy of death cert, XXXX forms of gov id and notarized signature. WU req Letter of Probate. Assets devolved to me and probate not necessary and did not occur. My wife died in XXXX and could not have sent money in XXXX. Common sense should prevail.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a victim of identity theft. Please see the attached notice and identification. I am seeking remedy and ask that all that I have identified as identity theft and inaccurate to be deleted.
Product: Checking or savings account

Capital one 360 closed XXXX of my checking accounts and savings accounts without warning. I was told they conducted an internal review of my accounts and decided to end the banking relationship without any cause given. I spoke to several representatives who also informed me that I would not be able to withdraw my funds until the investigation- of which i do not know what they are investigating- was completed. I was given no warning, no indication that I had done anything to warrant this issue. 

All the while, I have no cash on hand- I can not drive to work and have a medical condition that requires medication and visits to my physician to manage. Without access to my funds, I am unable to care for myself. I also do not have the ability to purchase any food, and have no other financial support. 

I disputed XXXX transactions from a merchant ( Grub hub ), because both orders were not delivered ; I contacted Grub hub customer service to resolve, but they would not provide me with a refund, and so I disputed the transactions with Capital One. I have screenshots of the customer service conversation with XXXX to verify I contacted them and that they would not provide a refund. 

That is all that I can think of that would have prompted capital one closing my accounts. 
Without access to my funds, my health is at risk. 

If this is not resolved immediately, I will seek further legal action ; capital one is preventing me from being able to have health and safety and will not provide me with adequate documentation or resolve of this issue.
Product: Mortgage

We have our primary mortgage with HSBC, which is being service by XXXX XXXX. We have a contract to sell our house, and would like to close soon. I first contacted XXXX XXXX on Friday XX/XX/21 to request a payoff letter. I was told that it would take a few days to prepare, because my loan had been subject to a modification last year with the pandemic crisis. I said fine, no problem. But then 12 days elapsed without receiving a payoff letter, so I finally called again on Wednesday ( XX/XX/21 ) to request the document be expedited. 

After three phone calls on Wednesday requesting the document, I finally received a payoff letter from XXXX XXXX  late Wednesday afternoon. Upon reviewing while I was the phone with one of their representatives, I informed XXXX XXXX  that I objected to two amounts listed on the payoff letter : the Recoverable Balance of {$4900.00}, and the Property Inspection Fee of {$130.00}, for a total objection of {$5100.00}. 

I was told that somebody would call me back on Thursday ( XXXXXX/XX/21 ) to discuss, which never happened. I finally called Thursday afternoon hoping to speak with a supervisor at XXXX XXXX, and was told that I have to send an e-mail to XXXX, which I did. Quite frankly, it appears this was a continued effort by XXXX XXXX to run out the clock ( before the closing on the sale of my house ), without addressing my concerns. 

Last XXXX, when I was told our loan modification was approved ( again, due to the covid pandemic ), it was my understanding that all past fees and expenses were to be waived, which would have included the amount of the Recoverable Balance. I never once previously agreed with this charge, but did not press the issue further, since it was supposed to be waived. Please note HSBC has never documented or supported these charges, but thats really irrelevant at this stage, since all the fees and expenses were to be waived last year. 

The Property Inspection Fee first appeared on my HSBC XX/XX/21 statement, for no apparent reason ( since every scheduled monthly payment since my loan modification was activated has been on time ), and despite my repeated efforts to bring this to XXXX XXXX  attention earlier this year, this charge was never removed. 

Given HSBC ( i.e. XXXX XXXX  XXXX will not address or fix this problem, Im now asking the CFPB to help me get this straightened out. The combined charges of {$5100.00} represent a lot of money which I believe are being erroneously assessed and I feel bullied by such a large institution. I need your help. Thanks.
Product: Mortgage

I made an additional payment to principal on XX/XX/2018, to XXXX XXXX who was my loan servicer at the time. The payment initially had posted properly ; however, on XX/XX/XXXX, I noticed that XXXX XXXX had processed a reversal of my additional principal payment on XX/XX/2018, without notification or explanation to me. By this time, my loan had been transferred to Amerihome,  which I received notification of on XX/XX/XXXX. At the time of XX/XX/XXXX, my principal payment from XX/XX/XXXX had not been credited to me at all, despite the money being withdrawn from my checking account since XX/XX/XXXX. After several calls and elevating to the level of supervisor, my payment was finally posted on XX/XX/XXXX. However, I have contacted customer service several times since XX/XX/XXXX to have my payment properly backdated to XX/XX/XXXX when it was made and Amerihome refuses. I have supporting documentation from XXXX XXXX and my checking account to show that that payment was made on XX/XX/2018, and not XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( Vin # XXXX ) for {$16000.00} and was financed through XXXX XXXXl. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP  insurance that is through XXXX XXXX XXXX XXXX was contacted ( Claim # XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. XXXX XXXX keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. XXXX XXXX is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Cash App, operated by XXXXlock Inc., due to inadequate customer service, unfair practices, and violations of the Customer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ), including Regulation E.

Details of the Complaint : 1. Failure to Prevent and Address Fraud : Cash App failed to take timely and effective measures to prevent fraudulent activity on their platform, leaving my account vulnerable to unauthorized transactions.

Despite providing evidence of fraud, the platform did not adequately address the situation or provide timely assistance to resolve the issue.

2. Unfair and Deceptive Dispute Resolution Practices : The dispute resolution process was conducted in an unfair and deceptive manner.

Cash App did not comply with the error resolution requirements outlined under EFTA and Regulation E, including failure to investigate claims properly and to provide timely responses.

Impact of These Violations : As a result of these actions, I have experienced significant financial loss, undue stress, and inconvenience. Cash Apps inadequate response and failure to adhere to regulatory requirements have exacerbated the situation, leaving me without resolution or compensation.

Resolution Sought : I request the following remedies : A full refund of the disputed amount.

Compensation for financial losses incurred due to their negligence.
Product: Credit card

In XX/XX/XXXX, I opened a {$5500.00} Wells Fargo credit card with XXXX XXXX in XXXXXXXX XXXX. The XXXX company wrongly told me there won't be interest if fully paid within a year. At the end of 1 year, I've paid > {$2500.00}. By XX/XX/XXXX, Wells Fargo called to tell me my balance is well over {$6000.00}. I was confused and tried to resolve with them. 
I paid extra > {$600.00} to my account current and keep paying in the subsequent months. 

In XX/XX/XXXX, I tried paying my bill and was told my balance is > {$5300.00}. 

This is quite a rip-off and unscrupulous behavior from Wells Fargo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fXXXX XXXX XXXX XXXX convergent ( XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy. 
15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions
Product: Debt collection

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Student loan

This complaint involves all three credit bureaus : XXXX, XXXX, and XXXX. They should be included in this complaint along with Navient. 

Please see attached document with screenshots. 

In violation of the Fair Credit Reporting Act, Navient continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against Navient was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. 

What is Navients consequence? What is the consequence for the three credit reports? Navient and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or Navient, the business reporting the bogus information to the credit bureaus? 

Below are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get Navient and the three credit bureaus to report accurate information ; it is the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent accounts. Please remove as they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX {$600.00} Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} Date XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} Date XXXX XXXX XXXX
Product: Bank account or service

I received a letter from Fifth Third Bank " The curious bank '' that said through an envelope window " ACTION NEEDED : Respond By XXXX XXXX, 2015. '' On the back side of the envelope, it said " Time-Sensitive Materials Enclosed. OPEN IMMEDIATELY. '' This piece of mail was seen by my family members who assumed that this was very important that needed to be dealt with immediately. My family overnighted this mail to me so that I could handle whatever needed to be dealt with " immediately. '' Inside was a " Notification of Pre-approval '' for a platinum card. This type of deceptive advertisement has now cost my family money. To me, this is a clear UDAAP violation in the following ways : ( i ) it has caused a clear financial injury to me as a consumer, ( ii ) the injury was not reasonably avoidable due to the language from Fifth Third Bank and ( iii ) the financial injury I incurred definitely does not outweigh the benefits of having yet another credit card that I do not need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial, an XXXX, TX credit repair firm, has taken a total of {$900.00} in unauthorized withdrawals from my checking account in the past few days. I DO NOT have an account with this firm, nor have I ever had any business with them. However, they did this same thing to me last year, to the tune of {$1200.00}. It took filing a fraud report with my bank to get the money back, and that took over a month. In the ensuing time, I incurred overdraft fees and had to scramble to find money. Until that happened, I had never even heard of Self Financial. The same thing is happening now. The company 's phone system will not let you speak to a representative until you enter your account number, so as a non-customer, I can't talk to anyone. I'm at the mercy of their email system ( XXXX ). I emailed them about the problem Friday, XX/XX/XXXX, but haven't heard anything. 

The amounts and dates of Self 's unauthorized withdrawals are : XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer and natural person, I'm aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 4. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 5. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 6. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 7. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have an old checking account that I no longer use with First National Bank. I received a notice in the mail on XX/XX/22 saying it was overdrawn by {$25.00}. The last time I used this account was when I made a small deposit of {$45.00} on XX/XX/22. I had not received any notices regarding it's status of overdrafts. 
When I went on line on XX/XX/22 to resolve the issue and close the account, I saw it was overdrawn by {$61.00}. All due to fees. Nothing was due to any expenditures I had made. The last actual expenditure I made from this account was on XX/XX/22 for {$9.00} On top of the monthly {$6.00} maintenance fee, which I can understand, I was being charged {$12.00} every THREE business days beginning XX/XX/22 when the account when in the negative due to the fees being assessed. Of course with each fee assessed, it went further into the negative. I received no email or other text notification of this issue. Again, the first notification I received, was by mail on XX/XX/22. Upon speaking to a few representatives of First National Bank, they saw nothing wrong with this at all. Even though the state of this account was not of my doing. They would not let me close the account until the balance is XXXX. I want them to reverse the fees. They need to " research '' their ability to do so. Meanwhile, fees will continue to accrue. 
When I called to get this resolved, I wanted the fees reversed since it was not due to anything I had done, they said I agreed to this fee structure when I opened the account. However, First National Bank purchased XXXX XXXXXXXX XXXX, where I originally opened the account and my account was simply transferred. So I never actually agreed to these conditions, at least not that I recall. 
I am not overly concerned for myself, I can absorb this. For me it's the principle and the absolute greed that irks me. What concerns me is the excessive and exploitative nature of these fees, hitting the folks least able to handle them, in most cases. It is practices such as these that keep poor people poor. As an old friend of mine and I used to joke, " It cost a lot to be poor ''. Back in the day we were. Exploitative practices such as these keep that statement true and they need to stop. 
I would love to see First National Bank held accountable for these unnecessary practices. Such practices should not be legal and they need to stop. 

I have attached a screenshot of the fees assessed that caused the overdraft charges. 
There is also a screen shot of my alert file, showing no alerts were sent to me regarding this issue.