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 sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings 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. 
XXXX
Product: Debt collection

I have tried to get this account off my credit report but this company sent these results back after their own " investigation '' This is what I received from them, when I clearly am a victim of identity theft, as the address that this service was located at was not mine. I have lived at the same address for 22 years and 3 months. This is what shows up on my credit report : THE CBE GROUP XXXX has flagged your account as Unpaid ( D ) with XXXX, which may negatively impact your XXXX XXXX based on XXXX XXXX. 

Source : XXXX XXXX : THE CBE GROUP XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX Activity : Unpaid ( D ) Balance : {$890.00} XXXX XXXX XXXX  Account XXXX Remains Unpaid {$890.00} The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Credit card or prepaid card

XXXX XXXX XXXX sent debt management proposal in XX/XX/XXXX and it was accepted by XXXX XXXX and XXXX has made consistent monthly payments on my behalf. I found that late fees were being still charged and interest rate had not been reduced. I alerted XXXX who contacted XXXX XXXX and faxed proposal again in XX/XX/XXXX. Late fees were waived but then they began to reappear and XXXX XXXX stated an XXXX payment was missed though XXXX faxed the cashed check they had sent to XXXX XXXX. After proposal was faxed multiple times as confirmed by XXXX most recent call on XX/XX/XXXX XXXX claims they still have received no proposal and continue to add fees and interest.
Product: Debt collection

I don't recall having a contractual relationship with this collection company WAKEFIELD & ASSOCIATES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

I received a new Capital One credit card with a 0 % APR back in XXXX. I have used the card for many months, only making the minimum payment in order to avoid interest, and noticed last month that I was nearing the end of the promo time period. I called in to Capital One customer service and spoke with a representative who mentioned that as long as the total balance is paid by XXXX that NO interest would be charged on my account. On XX/XX/XXXX, there was interest charged to my account in the amount of {$140.00}, so I reached out to customer service for a response. I was transferred to a Senior Supervisor ( XXXX - XXXX ) who informed me that they could not help me in any way. XXXX also said that they are not responsible for what answers customer service provides about accounts. He informed me whether right or wrong, they do not stand by what answers customer service provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching STATEMENTS showing AMOUNT DUE, under the promised HARDSHIP PROGRAM after diagnosis of XXXX  XXXX XXXX in XX/XX/2018. Company agreed to place me in the HARDSHIP PROGRAM XX/XX/2018 and remove all late pays. They then went on, after meeting my ON TIME obligations to close my account. 

BLACK AND WHITE in front of you. PAYMENT DUE DATE. PAYMENT MADE BEFORE DUE DATE. I was never late. You need to remove all late pays for XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : { XXXX XXXX XXXX XXXX Reference Number : XXXX } I have previously disputed the above ite with you. You verified the item as accurate. Stating that you have verified the information with the court. I contacted the court and their response was " WE DO NOT REPORT TO CREDIT BUREAUS ''. They made it clear that they DO NOT REPORT TO XXXX, XXXX, EXPERIAN or ANY other bureau for that matter ; therefore, your initial response verifying the item with the court was either an ERROR or a XXXX. Either way, the reporting requirements DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ), and the information MUST BE DELETED IMMEDIATELY. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted this item. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally request your assistance in removing fraudulent accounts from my credit report that were opened and/or incurred as a result of my experience as a victim of XXXX XXXX During the time I was under duress, I had no control over my personal information, including my financial records. Several accounts were fraudulently opened and misused without my consent, leading to significant harm to my credit profile. This request was sent to the credit agencies and they have failed to honor my request which is a direct violation of 15 U.S.C. 1681c3. 

The attached documentation provides evidence of my situation and supports my request for the removal of these accounts in accordance with the protections offered to XXXX XXXX  XXXX  under the XXXX XXXX XXXX XXXX XXXX and the Debt Bondage Repair Act. These laws empower survivors to repair their financial standing by allowing the removal of adverse credit information directly linked to their exploitation. 

The following accounts are directly associated with my XXXX  situation and require removal : 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 Attached Documentation : XXXX. A self-attestation letter outlining my experience and detailing the impact on my financial situation. 
XXXX. A letter from XXXX XXXX XXXX, confirming my involvement in a XXXX  situation and supporting my claims. 

The XXXX XXXX XXXX XXXX provides explicit guidance and rights for survivors of XXXX  to remove fraudulent debts and credit entries resulting from their exploitation. Under these provisions, I respectfully request the removal of these accounts, and any adverse credit information associated with them from my credit file. 

This action is vital for my financial recovery and ensures that my credit report reflects my current and accurate financial circumstances. Please let me know if additional information is required to process my request. I deeply appreciate your support in resolving this matter and look forward to your response. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My husband and I both have direct deposit of our paychecks to our checking account. We are very strict on our spending and record keeping. So when we use our debit cards or write a check, we know how much is in our account from not only the check registry, but our online banking. Except in the last 6 months we have ended up with over {$2000.00} in overdraft fees. When I inquire about it at the bank, I am told the reason is that when we use our cards, it puts a hold on that amount of the money in our account. Then when it clears, if there is not enough to cover it, because of the pending amount they are holding, we ars charged an overdraft fee. How is this possible if the money has already been set aside for this item that was pending? Example : my husband 's paycheck was {$500.00}, and we spent {$350.00} out of that using our cards. We should still have {$150.00} left in the account. Except our bank says we are over drawn because they put a hold on that {$350.00}, so therefore when those pending items clear there is no longer {$350.00} in the account to cover those pending items. How is this possible if they have already put that money on hold? This happens frequently anymore and it has cost us quite a bit of extra money in late fees, because we end up having to hold off on bills because our paychecks are gone as soon as they hit the bank account, just pay off the overdraft fees. Please help us, as we are drowning now in financial debt because of this bank. And are unable to switch to another one, because they show up on any chex check that is done, in order to open another account.
Product: Mortgage

The Notary signatures were not being accepted, after several times submitting them, it appears as though they ( Mr. Cooper ) were prolonging the process so it would benefit them. We were following every process they asked us to follow yet everytime it would be a different story why they couldn't or wouldn't accept the signatures. It was like they were XXXX XXXX, example can't understand the handwriting, the XXXX look like the XXXX, your signatures can't go beneath the lines, the seal is in the wrong spot or it's to high up. We even tried there notary which didn't work because the notary signature ( documents ) never reached their office, ( makes you wonder what heck is going on ). Then they stated asking for documents all of sudden after a year had pasted, which in the beginning of the process I didn't have to submit any documents. I'm just confused and frustrated of the whole process and how it has been handled, this process I feel should not have taken XXXX years to complete. I know interest rates change but once a rate is given or in process it should be locked in at that rate until the completion of the process. Also I was told that the with holding ( forbearance ) money would be attached to the back end of the mortgage. That's why I perceive that this prolonged process will only benefit Mr. Cooper and not me the consumer.
Product: Debt collection

Continue to report an unverified account to my consumer report and I have no relationship with this company and they have no contract bearing my signature! This an accurate information has caused me to lose faith in the banking. System has been defamation of character, emotional stress, and makes it hard to obtain new credit. This company continues to violate the FCRA and my rights as the consumer!
Product: Credit reporting or other personal consumer reports

I have attempted for over a year to get inaccurate accounts removed from my credit report. I have asked on many occasions for the method of verification. The only thing I've received is statements which does not prove these accounts belong to me. My identity was stolen and I have reported that to the federal trade commission. I sent letters XX/XX/year>, XX/XX/year> and XX/XX/year> and still no proof has been provided, nor have these accounts been removed. Some of the accounts show on some reporting agencies and not the other. Some accounts have even been removed but not from all bureaus. That makes absolutely no sense to me. I have attached all the letters I've sent and the FTC reports. I have also attached my credit reports where accounts were on one report, yet removed on a later report but not from all bureaus. Now I see the agencies getting sued for not removing unauthorized accounts on reports so I'm hoping this is my last resort to getting these accounts removed before suing them myself.
Product: Credit reporting

A collection agency claims that I owe them {$230.00} ( medical bill ) and it 's effecting my equifax score. I 've never received any kind of bill, mail, or emails in regards to me owing money to them. I 'm trying to find out who gave it to the collection agency.
Product: Debt collection

Discover Card has handed my fraudulent identity theft case over to XXXX XXXX XXXX XXXX to sue me over a credit card that I never opened, never authorized to be opened, never used to charge anything, and never paid for. I am being harassed by this law firm in Kentucky and am to appear in court on XX/XX/2021 for an account that is fraudulent. I have written to them, filed disputes numerous times thru the XXXX credit reporting companies, with Discover Card themselves, and with their prior law firm XXXX in XXXX XXXX Florida. This needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

My second mortgage with XXXX XXXX XXXX was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our XXXX XXXX XXXX account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my Experian account and it shows that there is a XXXX XXXX XXXX charge off  listed with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with XXXX XXXX XXXX that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for XXXX XXXX XXXX to show the settlement amount and the balance.
Product: Mortgage

There was a missed payment I was unaware of XX/XX/year>. A payment was rejected due to insufficient funds. I am enrolled in auto pay and paperless notifications with the mortgage company. 

I was not notified via email or voice mail that I had a missed payment. 

I found out today XX/XX/XXXX by checking my credit score which had decreased significantly. 

I submitted the payment immediately upon discovering the missed payment. And called the mortgage company. They verified that they called, but left no voicemail. Due to the nature of my work in the defense industry, I am unable to have access to my phone majority of the day but do check voicemails at the end of the day as well as my emails. The mortgage company also verified on a recorded line that they do not send notifications for a returned payment, only statements. The mortgage company also stated they sent letters via mail, however, this is an ineffective means of communication as I travel out of state for 50 % of my work.
Product: Checking or savings account

I am a college student urgently reporting the closure of my Bank of America ( BOA ) account in XX/XX/, with no clear reason provided. Despite three months of review, the representative mentioned that BOA closed my case and sent out all the checks. However, the reality is that the majority of my funds are still under review. 
This discrepancy raises concerns about misinformation from customer service. I kindly request your intervention to expedite the return of my funds and address the misleading information provided, as it has added to my financial distress.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Experian for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : Experian : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections. 
Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from Experian that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I filed for chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX this debt for XXXX XXXX XXXX XXXX XXXX was discharged. Then I received a bill from Clark county collections on XX/XX/XXXX, I promptly called the number and left a message that I was disputing the debt due to the bk and that payments had been made to XXXX XXXX XXXX XXXX XXXX and the amount of the notice stated XXXX was owed and they reported account in XX/XX/XXXX before letter was sent and the balance reported is XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX or XX/XX/XXXX - My XXXX Unemployment/Pandemic Government benefit Visa Debit card ( Card # XXXX XXXX was charged XXXX $ in one fraudulent transaction by a *XX/XX/XXXXXXXX - After attempting to resolve the dispute in a gentle and respectful manner directly with the merchant ( XX/XX/XXXX ) and being denied - i continued the process with the Issuing Bank XXXX Bank Of America XXXX and then furthermore - with the Employment Development Department of California XXXX It has been months and I have exhausted every channel available to me. I have not received ANY reinbursment - AND my Card was Frozen and Shut Down due to the investigation and I have not been able to activate a replacement OR RECEIVE ANY OF MY FUTURE PAYMENTS - For 2 months and counting now. 

So i lost XXXX $ in the transaction as well as time and gas and money researching it etc etc and now have no card to get paid. 

I initiated my formal dispute with BofA on XX/XX/XXXX via phone call AND email " XXXX '' which THEIR site suggested. 

I am at a dead end ... 

Thanks! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

I deposited a check in my account third party. My account was closed and my balance was XXXX after chase took what i owed from my deposit. They are now holding my funds and will not give them to me. Check was deposited on XX/XX/XXXX XXXX. The bank is holding XXXX of my money..
Product: Student loan

Please note that I submitted a complaint earlier in XXXX ( submitted XX/XX/XXXX, # XXXX ), but it was closed. I received a letter saying that CFPB concluded that the complaint did not come from me, but it did. On this site it says the complaint was closed because I had already submitted previously, which is not the case. 

Here is my original complaint : I submitted an Employment Certification form in XXXX of XXXX. Mohela 's website has marked the form as " processed, '' but the payment count has still not been updated. I submitted another Employment Certification form in XXXX of XXXX when I had, to my knowledge, reached the 120 payment count, but I have still received no updates. I have tried to call Mohela but can not reach a representative after over an hour on the line. I have also tried sending a message on their website. I understand the 90-day processing time for the form I sent in XXXX, but it seems to me that the form I submitted in XXXX should be reflected in the payment count by now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX states I opened a credit card, but I never did. And I never used it. I have only ever had a checking account with them when I lived in XXXX Florida.