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

am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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

In mid-XX/XX/XXXX, I called Ocwen directly to discuss a possible modification to my loan. I was informed that I qualified to apply for a modification because of my increase in income and was instructed on where to obtain the application and provided a fax number to send all documentation. I believe Ocwen miscalculated my income My monthly gross is {$4.00}, XXXX My monthly expenses are {$870.00}, leaving me with a {$3300.00} surplus! 
When I fell behind, it was due to a financial blow, since then my income has increased substantially and I provided that proof to Ocwen. 
The denial letter stated two reasons of denial : 1. Account is greater than 90 days delinquent 2. Could not be offered a payment that is within the guidelines of modification Ocwens modification program They also provided projected terms but stated is " was not affordable ''. 
I agree I am behind, but I am willing to keep my home, I WILL TAKE THE PROJECTED TERMS BECAUSE I CAN AFFORD IT. 
I sent Ocwen a letter requesting to postpone the sale date for XX/XX/XXXX and review my application. I have attached a copy of that letter here along with the denial letter. 
I fell behind a year ago on my payments because my daughter was having XXXX XXXX which turned into XXXX. As a single mother, I had to take time off work to take my child to her appointments. Why am I being treated like a criminal? 
I thank XXXX all that has passed ; all I need is to save my home. 
I intend to pay back Ocwen what I owe.
Product: Checking or savings account

An account was opened with TD Bank in my name and checks were ordered and delivered to my parents address.
Product: Debt collection

I sent a letter to the XXXX XXXX  requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act this creditor Comenity Capital BankXXXX XXXX XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting that I have been delinquent on my Child Support account. This is not true. The account number is : "  XXXX  '' I can provide a payment summary directly from the Louisiana Department  of Children and Family Services which pro ves my payments have always been received on time and I have never been past due. I do not understand why Equifax is reporting incorrect payment history for my account. This does not make sense. Equifax is also incorrectly reporting a balance of {$660.00} on my Child Support account. It should be reporting at {$0.00} because this account has been paid. I have disputed this issue with Equifax numerous times only to receive generic responses that do not address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a equity line of credit with XXXX XXXX, MN. When I refinanced in XX/XX/XXXX, the loan was satisfied. I was notified by XXXX that Shellpoint was my new servicer in early XXXX. I couldn't figure out why I was getting correspondence from Shellpoint in XXXX and XXXX, so I just disregarded any info from them. In XX/XX/XXXX I received a notice from Shellpoint that I had a 60 days late notice. I immediately contacted Shellpoint to inquire on how I received a late notice on a {$0.00} balance account. I told them that the account was satisfied in XX/XX/XXXX and there no balance on the account, so I wanted them to reverse my late notice. They told me that they didn't know that the HELOC was a {$0.00} balance and said I needed to contact the prior servicer ( TCF ) and get a release. I contacted XXXX and got a release which I then forwarded to Shellpoint. On XX/XX/XXXX statement, they still had my 60 days late, so I contacted them again. They said it could take up to 60 days for the notice to be removed. I filed a dispute with XXXX in XX/XX/XXXX ( When I went to purchase a new vehicle and my payment was higher than expected because the late notice on my report ) and the dispute came back unresolved. I filed another dispute in XX/XX/XXXX and that dispute was resolved. Thank you, XXXX! 
To this day, I have never received any correspondence from Shellpoint explaining how they could charge my account past due with a {$0.00} balance. I have included 2 documents. One is the release from XXXX and a copy of the XXXX report showing the 60 days late.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX Ct, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights Regarding alleged account # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in 4 days
Product: Bank account or service

XXXX XXXX : FOR THE XXXX KICK OF THE MULE I AM STILL STANDING BY MY RESPONSE SUBMITTED TO BBT BANK AND THE CONSUMER PROTECTION FINANCE BUREAU ON NUMEROUS OCCASIONS. YOU KNOW THE ROUTINE XXXX-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX! STOP REFUSING TO CHECK THE VIDEO CAMERAS ON THE AFOREMENTIONED DATES ; WHAT IS IT BBT BANK THAT YOU DO N'T WANT THE CONSUMER PROTECTION FINANCE BUREAU TO KNOW? WHY ARE YOU AFRAID TO CHECK THE TAPES? WHAT ARE YOU TRYING TO HIDE? OR HAVE YOU ERASED THE TAPES? IS THIS A BBTGATE? THE SAFE DEPOSIT BOX KEYS I HAVE ARE NOT THE ORIGINAL KEYS I WAS GIVEN! AS YOU CAN SEE IT 'S THE SAME ROUTINE XXXX!!! SEE YOU ON MULE KICK NUMBER XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX has 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 an account without my written instructions
Product: Bank account or service

My bank, BBVA Compass, does not have fees associated with ATM usage. However, I was charged fees from BBVA in addition to the fees applied to the amount I withdrew from non-BBVA ATM 's. XXXX fee reads " USAGE ATM FEE '' and the other reads " SURCHARGE FEE ''. The dates and amounts are : XXXX - Surcharge {$3.00}, Usage {$2.00} XXXX - Surcharge {$6.00}, Usage {$2.00} XXXX - Surcharge {$2.00}, Usage {$2.00} ATM withdraws with my other bank, XXXX XXXX, does not have fees applied on the same ATM 's. I called BBVA Compass to request a reversal and a stop to these charges, but I was told to call back. 

The BBVA Compass website reads the following in regards to ATM fees : " BBVA Compass customers can withdraw cash with their BBVA Compass Debit Card or ATM Card without a fee at nearly XXXX BBVA Compass XXXX in the United States. Withdrawals, deposits, transfers, and balance inquiries from ATMs at other financial institutions in the United States may be assessed a fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Please see your applicable account disclosure for additional information. ''
Product: Credit card or prepaid card

On XX/XX/2020 I received information via my credit monitoring service that he credit limit on my Target RedCard was reduced from {$1300.00} to {$500.00}. Since I normally only use this card a few times a year and always pay the statement balance immediately upon receipt I was concerned and contacted RedCard 's customer service to find out why. I was told that my credit line was reduced due to inactivity for " several '' months, which is not a policy I was ever made aware of previously. Had I known or received any prior notice that this action was pending if the card was not used by a certain date I certainly would have made an immediate purchase with the card simply to protect my credit rating from the damage of a negative action. When I expressed this I was told that " any changes to a customer 's credit line are listed on the monthly billing statement '', which obviously is after-the-fact and does not give the customer an opportunity to take action to prevent the action. 

I have plenty of credit cards and can easily survive without my Target RedCard, but I feel that it is unacceptable for financial institution to take unwarranted actions like this that damage a person 's credit rating, and especially at a time when the XXXX pandemic has put our financial security in a particularly precarious position. At a very minimum they should be required to provide customers a prior notice to pending actions so that they have the opportunity to remedy the situation if they are able.
Product: Money transfer, virtual currency, or money service

I want to complain about Xoom, a XXXX service. 

Usually, when my employer sends me my salary, it comes in real time or waiting time of only 10 mins to 1 hour. And he always chooses the instant delivery option where I should be getting it real time all the time. 

Starting XXXX, I have been inconvenienced multiple times for money transaction delays. Client sends my salary on time each and every time. But Xoom delays the money sent to my bank account. 

Called them up, and they do not give receivers ' right for information regarding their money status. They always revert the problem back to the sender when they should not be in the picture of the problem. Senders sent the money responsibly and it always automatically deducts the money from their account immediately. 

Receivers are in a severely disadvantageous position here because of Xoom 's delay in depositing the denominations successfully. My point, receivers should have the right to know the status of their money - where it is, when it is going to be deposited, why the delays, what are the problems within the transaction, etc. 

It creates anxiety for the receivers ' end because most transactions are for their immediate needs and delays only make it worse.
Product: Credit card or prepaid card

I've called multiple times about this issue, so please understand if all of the dates do not line up. I contacted Citi about my life and medical hardships since they began occurring in XXXX. Having lost both of my parents, getting to buy a house, but then immediately getting into XXXX XXXX car accidents, losing two jobs, my fianc losing her job with being unemployed consistently, and both of us needing XXXX, there was a lot going on. I made every effort to at least keep the account as current as possible, granted being a few days late here or there and being over limit due to having to bridge the loss of income with something. Citi profited from me from use of the card, from late fees, and from interest, all during my period of medical issues and lowered income. 

Fast forward to XX/XX/XXXX where my fianc and I finally settle our XXXX XXXXt cases out of court and have enough money to pay down about 90 % of our debts, so we do. I chose to pay Citi on XX/XX/XXXX, the roughly $ XXXX that I owed them across three credit cards. Not maybe several days to a week after I make these payments and finally feel some semblance of normalcy coming back to my financial situation, Citi chose to cut only ONE of the credit limits down by over 90 % ( $ XXXX to {$1300.00} ) ; of course this also the XXXX card I was looking forward to using again on the daily and paying off consistently since it has the best rewards and APR. Citi had not, and still has not, touched two of my Credit Cards that I don't use, as these cards currently have penalty APR rates. I feel Citi is waiting for me to use so they can profit off the fees again due to my medical situation, before the penalty rate falls off then they will cut the limits down on these cards too. 

I have contacted Citi to attempt to reinstate the credit limit to no avail. I have asked to combine/consolidate my credit limits to this one card ending in XXXX to no avail. Citi has cleared discriminated against me by profiting off my misfortunes, waiting for me to pay them off in full, then immediately reducing my ability to spend down. 

Citi will make claims stating " We are abiding by ECOA and FDCPA '', but there is evidence here that shows they are choosing to do otherwise, only profiting off of negative situations before wanting to reduce risk and claim it under ECOA and FDCPA. 

If Citi had either waited an entire Billing cycle or allowed multiple Credit Limit reinstatement requests, they would see that my risk profile has significantly reduced over the course of the past 45 days, as my utilization has dropped, several inquiries will be falling off in XXXX, and increased income due to my fianc being back to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of inquiries i did not authorize
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Acct # XXXX To whom It XXXX Concern. 
I'm reaching out because all three Credit bureau XXXX is helping Pentagon Federal Credit Union put incorrect information relating to my credit report. 

The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. 
By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. 
According to USC1681s-2 ( Pentagon Federal Credit Union Acct XXXX XXXX ) as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 
XXXX*USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. 
In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX amount {$220.00}. This is not my account. I have disputed with TransUnion, XXXX, and XXXX and the company who says it's my debt and never heard back. The credit agency says it mine but I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spiel ( thank you in advance ) : On XX/XX/2020, I signed up for a Banana Republic credit card. I am very cautious with my credit score and always ask about hard checks. I consented to a hard credit check  with PayPal Credit as they have a financing feature I can use at any store, anywhere. I plan to use this for furniture for my first apartment. I definitely did not consent to a hard check at Banana Republic, and was misinformed by the store salesman there. I worked a few different retail jobs, and I know how much there is to remember. I can definitely see the salesman not knowing or forgetting that the credit card was a hard check ( I asked ). I'm not sure that's something all managers would even tell their employees unless they asked. But I know I would not approve of a hard check for a store card that I've used only once. I don't have my car with me right now and so I ca n't drive to that mall, I have to take the train. 
Thank you for reading and any help you can offer.
Product: Credit reporting or other personal consumer reports

XXXX Account ending in XXXX needs to be deleted. 

I have the right to an accurate credit report. This XXXX Account is all wrong ending in XXXX. 

1 ) Date Of last Activity is all wrong between all 3 bureaus. 
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can all 3 Credit Bureaus have a Different XXXX, Please Delete This account. 

2 ) Closed Date is all wrong between all 3 bureaus. 
XXXX XXXX Closed Date is XXXX However still reported the account was late until XXXX which is a violation. 
Experian does not show a closed date but shows the account as late until XXXX XXXX XXXX not show a close date as well but shows the account was late until XXXX? 
This is all incorrect and the account needs to be deleted. 

3 ) The account was opened by a XXXX XXXX, on some it just says XXXX XXXX. 
This is not me. My name is XXXX XXXX. Delete this discover account ending in XXXX. 

Also my personal information is wrong again, prob due to this account that does not belong to me. This name XXXX XXXX has been deleted several times and keeps reappearing. XXXX XXXX is not my name. My Name is XXXX XXXX. 

* XXXX Account use to end in XXXX for Fraud. XXXX reopened the same account under a different number ending in XXXX without even notifying me within 5 days by law. This is illegal and the new account is also fraudulent. The account is wrong, the information in the account is wrong, the account name is wrong. Delete XXXX account ending in XXXX for it is hurting my credit greatly and holding my family and I from getting new credit and being able to move into a home. 

thank you, I have attached proof my name is XXXX XXXX and not XXXX XXXX XXXX XXXX
Product: Credit card

Bill paid on XX/XX/year> via XXXX XXXX XXXXXXXX bill pay. I had an old AMEX account number identified with the online bill pay. AMEX says they can't see the payment. I was told on XX/XX/year> that it would take 60 days from the date of payment to get my money back. I called again today, XX/XX/year>, 70 days after the payment. Now AMEX says I will never get my money back because now they say they can't see the payment. The payment left XXXX XXXX XXXX XXXX account and went to AMEX. The fact they can't find the payment seems to be their problem, not mine.
Product: Debt collection

Sent validation letter to XXXX XXXX XXXX XXXX - a collections company about an alleged debt with XXXX. XXXX would not acknowledge my complaints about my not getting any phone call reception or phone calls I made out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XXXX/XXXX/XXXX : XXXX XXXX XXXX XXXX Loan with account XXXX XXXX opened on XXXX/XXXX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX  Charge account with account XXXX XXXX opened on XXXX/XXXX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit card or prepaid card

i am not using my cap one cards for a while. rented a car in XXXX FILTHY did not start several times tried calling alamo no one responded. when i returned the car i was told to makea complaint i did no one responded. CC cap one is asking me in order to settle dispiute for a cancellation policy i have none and that is not right to ask for. how do i get this settled fairly? please help me. i disputed XXXX dollars which is half of the total and i should get it back they are asking for wrong info to settle it. i have explained i will asa result be reducing all use of my cards from here on out MUCH. HELP. i was screwed no one helped me FILTHY car during a ; pandemic?