23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 worked with a 3rd party company named XXXX they submitted our package on our behalf for Loss Mitigation Assistance Mod denied because XX/XX/2019 they were offered previous Flex Mod Trial plan and borrower was not aware so we did not accept Ditech failed to provide us proof that letter of approved trial was sent to us by mail, the 3rd party wrote a letter and that was not acceptable Ditech fails to communicate for alternative options Ditech does not return calls, We have a foreclosure sale on our property for XX/XX/2019
Product: Credit card or prepaid card

In XX/XX/XXXX, I missed the first of my payments on two credit cards I had with Citibank. I was having a XXXX XXXX, and had extreme financial duress. Without the XXXX XXXX, I would n't be able to return to work. I called Citibank monthly to try and attempt setting up a payment plan, as I had successfully done with XXXX XXXX. ( I 've been a Citibank customer for more than 10 yrs ). I was told that unless I could pay the full amount due ( balance, late fees, etc ), they could not help me. I 've called them at least a dozen times in the past year to try and get some sort of payment plan set up, as I went back to work in XX/XX/XXXX. They would not cooperate, same reason. Well, now it 's 12 months later, and they 've allowed the late fees, interest and other fees to accrue, all the while I was n't even able to view my account online any longer because it was in default, and they 've just sent me letters for both accounts and the balance has been sent to a debt collector. The amounts are so much higher than what I owed a year ago, and I feel that this is fraudulent practices on their part. Intentionally leaving an account open, but inaccessible to the customer, and jacking up the fees to buffer their balance is corporate thievery. I was an excellent customer all of those years without any late payments, even while struggling, and this is the return for financial duress.
Product: Debt collection

Went to the Emergency Room at Utah XXXX Hospital in XXXX, Utah in XX/XX/2016. Paid bill for hospital portion and for XXXX services. Never received one bill from Utah XXXX XXXX XXXX for this visit!! Never received a phone call to verify my address or tell me that I had a debt.
Product: Credit card

My commitment has always been to ensure timely payments on this account, avoiding any instances of overdue status. The reasons behind the reported late payment remarks on my accounts are uncertain to me. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian.com I signed up for a free trial on XX/XX/XXXX which I immediately canceled afterwards. I have the original email to show that I did indeed cancel with them. However I was still charged account {$21.00} on XX/XX/XXXX to my account. Because of that charge my account was overdrafted which resulted in a fee. The bank did not refund that fee because it was not their error it was the error of the company that charged me when they were not supposed to. This is through no fault of my own and I took the precautions I was supposed to in order to cancel my membership and this is not the banks fault either. I Have received a refund for the {$21.00} however was told by a representative of Experian that they would not reimburse me for the overdraft fee and that the bank should be able to reverse it once they saw that Experian deposited funds back to my account. However that is not the case because it was not the banks fault that I was charged by Experian. I have sent multiple emails with proof of my cancellation and proof of my overdraft fee attached and have not received one response from Experian or any compensation for the {$32.00} they cost me. The fee was charged immediately after they posted the {$21.00} charge.
Product: Credit reporting or other personal consumer reports

Experian dispute report number XXXX for XXXX XXXX, 2023, is purposely in violation of the Fair Credit Reporting Act by furnishing INACCURATE personal information from my credit report. Experian has XXXX different names listed on my report but only XXXX name belongs to me and that is ID # XXXX, not ID # 's XXXX, and XXXX, those XXXX need to be deleted for INACCURACY. The address ID # XXXX is also INACCURATE and needs to be removed. The address ID # XXXX is correct. Only XXXX name, XXXX address, XXXX phone number, and only XXXX birth year need to be reflected on my Experian credit file for accuracy. If there's more than XXXX of each provided then the information is INACCURATE and in violation of my Fair Credit Reporting Act.
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, was unf irly 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.
Product: Credit card or prepaid card

My Husband Pass XXXX XXXXI call Bank Of America and told them that XXXX XXXX XXXX had Pass and Could They Close all XXXX Credit Cards , they didn't have my Name on the Credit Cards just His, I took His Death Certificate to a Bank of America XXXX XXXX, XXXX To Show Proof he had Pass, A Few years ago We had set up Payments with Bank of America for the 3 Credit Cards XXXX The first Lady that contact us told us both the fees and Interest would stop.After making first payments to Bank of America we seen they were still charging us Fees and Interest, The Next Person we talk to told us we was told Wrong on Everything.We was paying the cards back, paying Fees and Interest even thou we couldn't use them.My Husband wants to get them pay off so his Credit stay Good, so we kept making payments, Bank of America told me in XXXX that They would Close all XXXX Credit Cards and No more Payments be taking out from my Checking Account.The Amounts are {$180.00},,, {$180.00} and $ XXXXAll 3 payments was taken out XXXX XXXX and In XXXX All XXXX Payments Taken Out of my Checking Account on the XXXX of XXXX.Our House is not Pay For and I have Been Stuggling to make my House Payment since my Husband has pass, I been getting one of my Policys that was in XXXX name and I been using that money to make my House payment.As of Right Now Bank of America has Took XXXX XXXXOut of my Checking Account, My House Payment each month is XXXX XXXXI have sign papers at my Bank To Stop payment and pay over draft feeds to my bank.I been in touch with Bank of America also.Please help me, XXXX XXXX XXXX XXXX
Product: Debt collection

This company says we owe XXXX. The falsified the papers said we moved out a month and 10 days later than we did signed the documents when other person did not sign the place was rented out less than a month after we moved out they sent us stuff from XXXX and we moved out in XXXX papers for validation of debt was not current the place never fixed anything when you called them dor repairs they are saying we owe more money than we do not to mention this took place during the covid 19 pandemic they would not work with us at all
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in the summer of XXXX, I applied to rent an apartment. The seller directed me to XXXX, where I was told to make a profile and pay a {$25.00} fee for a credit check. Since then, I have continuously gotten charged {$26.00} every month. At this point it has been so long that I dont even remember exactly when I made the profile, or for what apartment it was. There is no way to log in and access my account online, and I don't have any emails or communications from them that I can look back on. There is no phone number provided to call them. There is supposedly a way to close your account online by simply entering your name and phone number, but once again there is no confirmation email or verification that the account has actually been closed. I tried doing this today, but I am in no way confident that I will cease to be charged. The latest charge was today, XXXX XXXX  of XXXX, and I have had enough. I did some digging and learned that certafax is just a seller through Square ( XXXX ), and that is the way they have been charging me. Please someone have this obvious scam reported and shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been dealing with payment issues with PayPal credit for almost two years. When account was opened I signed up for auto payments, as I do with all my credit cards. In the beginning it seemed to work, sometime in XXXX of XXXX payments were not made automatically, even though I still received emails every month telling me it would happen. The day after the due date, I would get an email telling me my payment was returned by the bank. This was an automatic debit, not a check, so nothing was returned. They closed my credit account. I sent a certified mail to them, which I never got a response to. They did seem to open my account again, not sure. The payment problem continued, same as above. I had been going to my account, via the internet and making payments to make up for the ones they did not take, of course these are mostly late, due to the emails saying the payment was received, then the email saying it wasn't. Also, the account information for payments is still on my account and this is the same info used for the payment, they claim they can't make. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally sent them another certified letter in XX/XX/XXXX, explaining again the problem. No response to the letter. When able I tried to get back into my account via the internet and my access was denied. I then attempted to use my PayPal app, access denied. I still am receiving the emails about the payment coming out, payment received and then the day after due date, payment returned. I have copies of the most recent to forward to you, as well as the certified letters I sent. Here are my issues - 1. The have charged me almost every month a {$40.00} late fee. 2. They may have charged me a returned check fee of {$27.00}, each month. 3. I have no access to my account, so I can not get past statements to know what they charged, 4. THEY HAVE DESTROYED MY CREDIT. As of this month I see that PayPal credit did not send me my usual e-mails, I did get an email from Synchrony Bank. After all this time dealing with PayPal and hearing of what they were or trying to do with companies, ( XXXX charge ) perhaps Synchrony is taking over? Not sure. I can't help to wonder if they are doing these things to people on purpose, for financial reasons.
Product: Debt collection

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > ACTION COLLECTION SVC Not Proven Compliant Account -- > XXXX
Product: Mortgage

They order the value of my house so I can remove my pmi and and my value of house came up so high but they did t remove the pmi then I tak to them but they not listening me Im request to u so u guys help me to remove my pmi.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights within all three credit bureaus. 

15 U.S.C 1681 Section 602A states that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction/consent within all three credit bureaus.
Product: Credit card or prepaid card

CITI Double Cash Card ending in XXXX. Payment was due on XX/XX/XXXX, a Sunday. It therefore posted as paid on Monday the XXXX. I received a notice that since this was my first time late, the late fee was waived. This bogus " courtesy '' aside, the email sent to me by CITI indicates that they still consider the payment late.
Product: Bank account or service

I called Bank of America 's customer service line. Figuring I 'd be on hold for a while, I put my phone on speaker. I got an automatic message telling me to put in the last 4 digits of my card number. I did. An automatic message immediately stated the amount of money in my bank account! This is my private information. Bank of America should not have done this. I did n't ask for this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # XXXXhas violated my rights.

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: Credit reporting or other personal consumer reports

There is. an inquiry. dated XX/XX/2023 from a financial institution that is fraud on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account Number:XXXX  Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I, the consumer and natural person, was denied credit by Capital One when I applied for a credit increase. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Capital One due to the response I received. 

Capital One is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Capital One.
Product: Credit reporting or other personal consumer reports

requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Student loan

a third letter was sent on XX/XX/14 to request the proof of securitization and the original instrument with wet signature of the contract between aidvantage and I
Product: Credit reporting

Experian is reporting a judgement ( # XXXX ) for {$1500.00}. This judgement was paid and satisfied. I have written them twice but they have not changed it to show paid and satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how XXXX, XXXX  and Transunion 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP /XXXX XXXX, XXXX XXXX XXXX,
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 Days late XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 120 in XX/XX/XXXX I am not sure how this happened. I believed I was under a different payment program due to family situations, I was assured by a representative that they would not mark my payments late!
Product: Checking or savings account

I deposited a written check on XX/XX/XXXX for the amount of {$7500.00} into my personal CapitalOne checking account. This check was a gift from my step mom ( payor ) and she was giving me access to money she has put aside for some time. The check was filled out properly, and had her unique signature on it. I deposited the check via the mobile app and uploaded photos and was told I would not have access to the funds until XXXX. Two days later on XX/XX/XXXX I received an email from CapitalOne saying that my account was restricted until they could verify my recent account activity. I called the CapitalOne customer service number and was transferred to their protection team. At the end of the first conversation after answering multiple of their questions I was told that CapitalOne decided to not do business with me anymore and will send me any money in my account that was 'deemed ' mine. I had a few other conversations with different representatives on the following days on XX/XX/XXXX and XX/XX/XXXX, in one of those conversations they spoke with the remittor of the check and she verified she wrote it, but the CaptialOne representative said that they needed to know that the payor 's bank ( XXXX ) would honor the check. The payor went to a XXXX branch and spoke to a manager and received a typed letter saying how XXXX has lifted restrictions on her account and they would honor any payments if they were deposited again. When I called CapitalOne to inform them that everything was good on XXXX 's end I was told that it didn't matter, what's done is done, and the investigation was still ongoing with my accounts frozen. On XXXX I emailed a scanned version of the letter from XXXX to CapitalOnes direct email. I got denied for a checking account by multiple other banks due to Capital Ones investigation, and I am worried on how I will be viewed on XXXX. CapitalOne never tried to call or reach out to me prior to them closing my account.
Product: Credit reporting or other personal consumer reports

Disputing the accuracy and handling of my credit report as per the fair credit reporting act. Referencing to the renlcent lawsuit XXXX  against Experian for significant failures to follow proper dispute investigation protocols
Product: Checking or savings account

MY MOTHER XXXX XXXX XXXX DIED ON XX/XX/XXXX AND MY FATHER ON XX/XX/XXXX, WE ALL HAD ACCOUNTS WITH XXXX XXXX XXXX XXXX IN XX/XX/XXXX. FROM XX/XX/XXXX WAS SOLD TO XXXX XXXX XXXX/XXXX/CITIZENS BANK XX/XX/XXXX. SEE ESTATE INFO AND I AM THE EXECUTORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/ that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.