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

I am writing to file a complaint against navy federal credit union regarding multiple over draft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charges fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

RE : U.S. NATIONAL ASSOCIATION, AS TRUSTEE, ON BEHALF OF THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME EQUITY PASSTHROUGH CERTIFICATES, SERIES XXXX. Wrongful Foreclosure. Violation of California Homeowner Bill Of Rights, Violation of California Civil Code 2923.55 ( b ) ( 2 ) and 2923.55 ( c ). False information filed under penalty of perjury on California Declaration Of Compliance dated XX/XX/2016 as part of the Notice Of Default. Specifically, homeowner, XXXX XXXX, received a phone call on her cell phone on XX/XX/2016 from a representative from XXXX XXXX XXXX. The representative inquired about homeowners plans for the property as payments were delinquent. The representative was advised that there had been a change in material and financial circumstances. That the co borrower spouse on the loan, XXXX XXXX, had been diagnosed with XXXX XXXX on XX/XX/2016 after having been ill but undiagnosed for one year. The XXXX representative was advised that XXXX XXXX 's illness had kept him from working full time in his small business and had caused a substantial drop in business income. The XXXX representative was advised that the homeowners needed a review for loan modification as the interest rate of 8.625 % was too high and made the mortgage payment too high. The XXXX representative advised the homeowner that a review for a loan modification was " not an option '' because a loan modification had been previously completed. It was not until I received a consultation with an attorney, that I learned that the bank and or assigned servicer were obligated by law to review for a loan modification if there had been a change in material or financial circumstances. The statements made by the XXXX representative discouraged the homeowner from pursuing a review for modification. The SPs Representative violated the homeowner 's rights by NOT fully exploring all the available options to avoid foreclosure. A California Declaration Of Compliance was filed XX/XX/2016 with the Notice Of Default, falsely stating that all options to avoid foreclosure had been explored with homeowner. My rights have been violated. My home is being sold without due process of law.
Product: Credit reporting or other personal consumer reports

Consumer name XXXX XXXX XXXX consumer XXXX XXXX XXXX XXXX consumer social security # XXXX contents of complaint.This cfpb complaint has been filed to request pursuant to ( 15usc1681 c-2 ) that you, XXXX, XXXX XXXX equifax credit reporting agency , block/delete information appearing on my consumer credit report that is the result of idenity theft and fraud within 4 business days of you receiving this complaint.this fraudulent inaccurate information consist of the following accounts # 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 I've attached the FTC report # XXXX as proof I am also attaching the list of hard inquiries that are not mine as well # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize the aforementioned accounts and hard inquiries on my consumer report and am demanding thatvthey be blocked/deleted in business days according to 15usc1681 c-2
Product: Student loan

So I have automatic payments set up for my student loans through Navient. I also have been making additional small payments to some of the loans with the hope of paying them off sooner. However I just recently noticed that my automatic monthly payment totals were decreasing slightly. It turns out that when you pay additional money, it decreases the amount per month to balance it out with their expected payoff date, essentially nullifying the additional money you put in. I had to speak to a representative to submit a request to LOCK the monthly payment and prevent this from happening. Although you 're allowed to pay on top of the auto payment, there is no method of setting the amount you want to pay per month, and if you are n't able to make consistent additional payments ( which I am not ), you 'll end up paying out the same amount in interest over the course of their payment schedule.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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

I opened my credit report and notice accounts I didnt recognize I believe I am a victim of fraud {$990.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00}, {$780.00}, {$780.00} XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collection company keeps trying to collect an outstanding balance that is too old to collect on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX has 3 car loans that were opened on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. None of these loans are mine. I send numerous disputes to the credit bureaus and directly to XXXX XXXX XXXX and till this date they still reporting these fraudulent accounts that are preventing me from obtaining necessary financing.
Product: Checking or savings account

JP Morgan after banking with them for several year has now " locked my profile '' and disabled my ablity to log-in online for two days in a row. 

They have claimed that this was due to a " negative '' account balance, when that occurred in only 1 of two accounts I have due to a unrecognized/fraudulent transaction. 

After calling to plead with them to allow me to get back into my account, they granted it. Only to lock up my funds in my investment account with them and now allow me to transfer any funds out claiming the account was " restricted ''. 

And they've decided to " close it for businesses reasons '' on the second day ( just a few moments ago ) with no explanation. 

In short, they're freezing my money. And clearly violating the XXXX legislation by being able to see both my deposit and investment accounts and admitting to it over the phone.
Product: Checking or savings account

I went to the 5/3 branch in XXXX Florida with a copy of the death certificate and my ID after my aunt passed away. XXXX at the branch didnt know what he was doing and brought in the branch manager, XXXX XXXX He also didnt know how to have the account pay out. He contacted home office and it took a very long time. So long that I couldnt wait for more hours and I had to leave. XXXX called me to let m know they finally figured it out and I could pick up the checks. My wife went by and XXXX was there and he wouldnt give the checks to her. He stated he would have them mailed the next day. I called the next day to get tracking and he didnt mail them. He didnt package them to be mailed either and unsure how they are getting the funds out to me and the other beneficiaries. These are bank checks so it is very important they are sent secure. They arent telling me if they are taking that liability if the funds are lost. I also have no idea how much the checks are for and if it the correct amount or not. I contacted thier home office customer service department and they are going to investigate it, but that means they will direct attention to the local branch. This branch also didnt know how to setup an estate or trust account either and I need to go to a different bank to set those accounts up. It is a newer branch but they are really uneducated. They were asking for my aunts will, which isnt needed as accounts with beneficiaries do not pass through probate thus no need to look at the will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined of a credit card XX/XX/XXXX. I then ordered my credit reports. On my Trans Union report, I noticed harmful/ fraudulent information and financial contracts were signed XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX  {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. My name is XXXX XXXX XXXX XXXX XXXX as reported on this account by XXXX XXXX aka XXXX XXXX ( credit reporting ) as information excepted by Trans Union. 
I disputed this information by mail and online with Trans Union XX/XX/XXXX, file # XXXX with proof of a different name given. I then filed a police report of ID theft XX/XX/XXXX, case # XXXX and made contact was by mail and phone to both XXXX & XXXX XXXX of fraud. To NO prevail, Trans Union continues to report fraudulent info as " VERIFIED AND ACCURATE. 
NOTE : Trans Union along with XXXX XXXX is in multiple violations of the Fair Debt Practices. 809. Validation of debts : 15 USC 1692g ( 1 ), ( 2 ), ( 3 ) & ( B ) 804. Acquisition of location information:15 USC 1692c ( 1 ), ( 5 ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged for a procedure that never took place by/for this patient. A premedical exam was done w/ NO additional medical labs work, NOR any medical procedure done with NO medical or patient release was made. It is now with due diligence that government intervention is necessary in these fraudulent affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX many times after ECMC discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to ECMC in which I had to have this issue discharged with ECMC.ECMC resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : XXXX XXXX XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late  XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
ECMC {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

1. BBVA Line of Credit we had matured XX/XX/2020 no lates payments ever on this loan. 
2. BBVA said they were going to not renew our line. 
3. BBVA said they were going to offer us a term loan alternative. 
4. BBVA stop communicating to us XX/XX/2020. 
5. BBVA sent a collections letter .6 BBVA we called collection center explained to them were waiting on the loan or renewal program. Bank rep asked if we were experiencing COVID funds issues. We explained yes they stated a ticket number on the file. 
7. BBVA second talk they said due to COVID they would renew the line and remove bad credit marks.

8. BBVA has again cut all talks with us 9. BBVA is now reporting 30-60-90 days late on our credit report the only bad debt I have ever had and we never missed a payment due from them not offering to let us pay. 
10. They have made no attempt to contact me, negotiation with me or update me since late XX/XX/2020. 

The core is they offered me a renewal and stated on there recorded line they would remove bad credit marks and allow us to regain payment records on this loan Prior to this we never had one late payment to them and keep a perfect credit file. 

Please help us with them they are not operating fair.
Product: Checking or savings account

On XX/XX/XXXX I sent an e-mail to XXXX at Key Bank, XXXX XXXX XXXX, PA. " In order to comply with The Pennsylvania Department of Revenue Inheritance Tax requirements please provide a statement showing the date of death balance for account number ending in XXXX for XXXX XXXX XXXX, deceased XX/XX/XXXX. Up to that time I was POA on the account. Nothing is being requested thereafter. Attached please find PA XXXX Sch E Cash, Bank Deposits & Misc Personal Property Instructions Shortly thereafter, on XX/XX/XXXX I called Key Bank and spoke with XXXX. I explained an e-mail was sent to her requesting a statement showing the date of death balance for my father XXXX XXXX XXXX in order to comply inheritance tax requirements. 

Key Bank has long been aware that on XX/XX/XXXX I was appointed executor by the court. 

As of this date no response has been received from Key Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient keeps adding and taking away balances making my credit score change even though there is A ) a freeze on federal student loans and B ) There is a class action lawsuit and borrower defense involved. There should be NO activity on my student loans. The school that I attended ( XXXX XXXX ) has lost their accreditation and is on the verge of closing and I have been trying to fight the loan for a few years now being they were dishonest during orientation stating the credits would transfer to XXXX XXXX XXXXXXXX XXXX and they wouldn't. The reason I asked if the credits would transfer is because at that point in time ( XXXX ) they did not have a XXXX program. They only had medical assisting classes. I wanted to get my degree in XXXX and was unable to because of this. If I chose to go to XXXX XXXX XXXX XXXX, I would have to take every class over again. This was not fair to the students they lied to to get us to join their college in XXXX, VA. They also lied about job placement and the average income from medical assisting in the area making us believe that they had a contract with doctor offices or hospitals in the area. The most we could get an hour was $ XXXX {$17.00} after paying over {$50000.00} for their classes. This is highway robbery and VERY dishonest.
Product: Credit reporting or other personal consumer reports

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE XXXX FRAUDULENT ACCOUNTS ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Product: Checking or savings account

I am filing a complaint with the CFPE regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert to my credit report from this collection agency, stating that I owned them a past due balance of {$100.00} and then called the collection agency, not knowing were the bill is coming from, a Representative told me that it was from XXXX XXXX ( XXXX ) membership. I let the debt collection know that I never received anything in the mail pertaining to this, then debt collector asked me for my address and verbally agreed that the address on the account was incorrect, I thought something was fishy then but I said let me just pay and get this off my credit. But when the supervisor XXXX XXXX, said that they dont pay to delete and some of the charges on the account were from collection receivable! I was like XXXX no! Let me investigate this, so she told me to call XXXX XXXX which is XXXX XXXX now! I did and I spoke with a office XXXX! He told me that this account was from XXXX and the address and telephone he read on the account was not even mine, then he told me to XXXX XXXX XXXX, I spoke with them and they agreed to me never having a membership with XXXX XXXX in XXXX!!! They said it sounds like FRAUD and I agree! So I was advised to file a FTC report! It looks like someone has filled out gym membership in my name!!! This account is under investigation with XXXX XXXX who are the ones handling XXXX XXXX old accounts!! XXXX XXXX should be removed from my credit file ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 3. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to have my Experian account updated correctly. I have sent multiple dispute letters, and have yet to receive a response and/or correction to my accounts. Experian has been unable to validate accounts and is erroneously reporting negative information. The following information can not be validated and should be removed : XXXX XXXX, XXXX XXXX  & XXXX, XXXX XXXX XXXX