23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On Monday, XXXX XXXX, 2016 my PNC personal checking account balance had {$43.00} less than the amount needed to cover the debits submitted. PNC bank computer software manipulated the debits and on Tuesday, XXXX XXXX, 2016 they charged my checking account XXXX NSFs @ {$36.00} for a total charge of {$140.00} for XXXX NSFs. I maintain that this total charge of {$140.00} is excessive for a insufficient balance of {$43.00}. I believe only XXXX or, at most, XXXX NSFs should be charged to my checking.
Product: Debt collection

XX/XX/2018 I sent a dispute letter to the party saying I owe them a debt to provide me proof they have not provided any proof
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting an account that I believe has been RE-AGED and it is too old to be reporting on my credit report. Date of Last Payment XX/XX/XXXX reported by XXXXXXXX XXXX who sold this alledged account to XXXX XXXX. 
XXXXXXXX XXXX has reported the Date of Last Payment as XX/XX/XXXX and have sent me paperwork showing Date of Last Payment as XX/XX/XXXX on their statements re : alledged acct. 
Recently, for some reason XXXX XXXX # XXXX is reporting a Date for this account to be removed as of XX/XX/XXXX on my Experian credit report and this is inaccurate! I want this collection removed from my credit report in its entirety because it is too old. 
Date of Last Payment as XXXX XXXX makes this account more than XXXX XXXX XXXX because the Date of First Delinquency is the date that triggers the the 7 year reporting period which would be XX/XX/XXXX because it follows the Date of Last Payment, delete this account. 
If this account is verified I in advance would like to make a request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Please do not send me a form letter describing generalties regarding your firm.

I am requesting the name of the person you spoke with along with ALL the procedures that were used to verify if my dispute is verified. 
The aforementioned LAW states I should receive this information within 15 days or I can sue seeking {$1000.00} if your agency fails to adhere in a timely manner. 
Thank You so much in advance.
Product: Checking or savings account

I am writing to you about a major concern I have about how deposit holds are handled at Bank of America. I recently started a new job and I received my first checks on Tuesday, XX/XX/year>. I deposited them to my checking account using my mobile banking app and a hold was placed on all three checks. The reason I had three checks was because one was for my first XXXX hour work week, and the others were a sign-on bonus, so it totaled a large amount. I called the customer service line for BofA to see if there was anything they can be done to release the funds and they informed me that they were on hold until XXXX and that there was nothing they can do. I understand that there is a process for evaluating deposits, but customers should have a way to expedite the process ( I.e. submit proof that funds are coming from a reputable source such as an employment contract ). I have several bills that will be automatically withdrawn from my checking account and now without the funds available, I will overdraft and accumulate multiple overdraft fees. 

This is completely unacceptable customer service. Ive been a loyal BofA customer since I was XXXX XXXX XXXX and now XXXX XXXX XXXX. I am really struggling to understand why this is the current process for check deposit holds. 

I would like to voice my concerns with the board of directors and/or CEO. I dont want to close my BofA account, but this experience has me thinking about doing that if my concerns arent resolved or at least heard by higher ups. This has caused me much emotional and financial distress. If my funds are finally released on XX/XX/year>, that will be one week and two days of them holding my hard earned money that Ive been needing to live my life. This isnt fair and something must be done. I dont want anyone else to have to go through this.
Product: Debt collection

Experian ( Report # XXXX ) RE : XXXX XXXX # XXXX I am demanding a validation of the alleged debt from your agency in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how you calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed, cashed checks used for bill payments, and identification or the original creditor including the accurate contact information.

I demand an affidavit form to be sign and notarize by a senior executive verifying that upon your investigation the certified debt belong to me. In pursuant of 15 US Code 1692g ( 4 ) I demand verification of the debt and copy of such verification to be mailed to the consumer. I demand verification of all relevant information and any documents your agency retrieve from the creditor. I demand to know how can your verify a debt is accurate for a consumer? I demand a copy of your investigation report placed in my credit report and credit file. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages Under the Fair Credit Report Act. Your credit report and file contains inaccurate information as a result of fraud. Unverifiable information must be removed immediately. Also, the credit bureaus shall refrain from adverse reactions such as decreasing credit scores 32 points as a form to intimidate, strong-arm, and taunt a consumer. Credit bureau shall refrain from adverse reactions against the consumer for disputing inaccurate information. I demand that my credit score be restore to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a phone call i believe beginning of XX/XX/XXXX or end of XX/XX/XXXX dont remember. It was some kind of collection agency harassing me and yelling at me trying to collect {$4700.00} for Money Mart and for some reason saying it was mine and i opened the account back in XX/XX/XXXX but yet It was never reported onto my credit report until after that phone call on XXXX XXXX and i believe XXXX as well since they report to both of those bureaus it was a woman saying she has been doing collection agencies for 15 years. Very rude and threatened me to go to court for me doing fraud with inaccurate and fraudulent information and reporting. I attatched a screenshot of what that company has reported on my XXXX XXXX. AGAIN never was reported onto my account until after the phone call and it says the account was closed XX/XX/XXXX. They have no proof of payment history. High balance is {$2500.00} but were trying to collect {$4700.00}, and as you can see somehow my last payment was XX/XX/XXXX. All of these are against the FCRA Section 609 E Please remove this inaccuracy from my report because i felt very harassed and everything is inaccurate and affecting my credit score negatively.
Product: Mortgage

phh mortgage services XXXX XXXX XXXX escrow dusbursment is over 60 days have not received payment closed XXXX XXXX 2022, called 3 times each time they told me to wait
Product: Money transfer, virtual currency, or money service

As a customer I trust my bank and use the service that was offered. I was a victim of using XXXX early on. I lost countless money g money through XXXX. I wish that I had a warring to ensure the money was being transferred to the right person or right account. When I reach ut to the bank I was told sorry it is my fault and that was the end of the conversation.
Product: Debt collection

I have changed my political status and I have standing and my juris diction is on the land and soil. No American, living woman can owe debt. Nor can a living American woman be in an admiralty court. ( FOREIGN COURT ). FOREIGN COURTS DEAL WITH THE XXXX!
Product: Student loan

I am on total  XXXX  I have tried to get this loan discharged for at least 5 to 8 years. They send paper work. I fill it out at least five times. Nothing! Navient is the provider my credit is  XXXX  it 's killing me. Do not know what to do or how to fix it. I get ssdi and ssi and food stamps I qualify.
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Mortgage

I have a private held mortgage ... I applied for a refi to reduce my interest rate, first time I applied in 2014 with XXXX after being told that I was approved at the last minute I was turned down.. 2nd time with LSI after being told I was approved and I would be receiving my documents I still to this day have not been turned down..I have submitted over and over the same documents numorus times, now resulting in a 8 months and XXXX appraisals over {$1000.00}. My attorney investigated this company and my loan officee and found that they do NOT have a license, neither of them. 3rd time was with XXXX was told I was approved, 24 hours before closing I was told I was denied. Claimed something about Frank Dodd act so I still do not what that was about. 
So here I have been turned down XXXX times, never once for credit, debt to income ration or income which is why a person would get turned down. 
I would like to take action/full investigation against all XXXX of these companies and I would like to get my loan approved and I would like all my money back for fraudulent appraisals. 
Please contact me at XXXX cell and email is XXXXXXXXXXXX to help me.
Product: Checking or savings account

Fifth Third Bank will be the next bank that is illegally triple-charging overdraft fees when they can not explain why the fees were assessed with to begin with. I have had an account for Fifth Third Bank since 2016 and I never had an issue with them until the last year -- when I noticed they have been charging customers for overdraft fees. I experienced this over the weekend, monitored my account everyday -- and woke up this morning to {$110.00} as one charge -- of overdraft fees and no one could explain it to me that would make it make sense -- when I was depositing money every single day and it never showed me my account balance was in a negative. Not only that -- they held the charge for 4 days -- and posted the charge on the day my account was low. Even then, with their policy -- that states that as long as the funds are deposited by XXXX the next day, I will NOT receive an overdraft fee -- and yet, I will still charged. This has happened to many customers, and enough is enough already. Legally, this is unacceptable and I'm sure there were many other customers that experienced the same exact thing as I did today. Think about, if you can scam at least XXXX for {$110.00} in overdraft charges -- that's a total of {$330000.00} total they just recovered and will do nothing -- absolutely nothing -- to waive those fees for their customers. Please investigate -- these banks are getting out of control with these overdraft fees and we feel as if we have no other choice but to deal with it because these banks refuse to work with us giving us the answers we need.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Citibank in reference to The charges below which were not Authorized by me, The card holder, XXXX XXXX. See XXXX transactions below. 
Unauthorized charges on my Citibank XXXX XXXX Totaling Amount {$6300.00} Ive contacted OHIO XXXX XXXX 3 times and no response. Phone # ( XXXX ) or ( XXXX ) XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$18.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$41.00} XXXX  online @ XXXX XXXX. XX/XX/XXXX {$150.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$450.00} XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio  XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX  XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$390.00} Ohio XXXX XXXX @ XXXX XXXX. XX/XX/XXXX {$7.00} XXXX @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  @ XXXX XXXX. XX/XX/XXXX {$10.00} XXXX  XXXX @ XXXX XXXX. XX/XX/XXXX {$27.00} XXXX XXXX @ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a resolution to an issue with Capital One Auto Finance for over 8 months. I was told they wouldn't report me to the credit bureau for a 30 days past due because of the current pandemic. The 30 day mark came and they reported me resulting in a major drop to my credit score. I have tried to have them remove it because of the information they told me, in addition I have paid the account off in full because I do not want to deal with a shady ran organization who have not allowed me to speak to anyone in regard to my complaint. I've faxed them over 20 times with the same information and I haven't heard from anyone.
Product: Mortgage

Problems with this company started once loan mortgage was transferred to Select Portfolio. I was paying but loan amount never showed decreased. Contacted by XXXX  who said they saw payments were being made but amount of loan remained the same. I did have issue with a missed payment in XX/XX/XXXX, but would pay extra money each month to get caught up. They didnt break up the payments. I have always paid couple of XXXX XXXX  extra each month which should have gone into escrow but I guess they applied to mortgage. Now they say I am missing a payment in which after I had notified them that this account was closed they kept auto billing this bank. I had new bank forward those payments to them. On one occasion they their continuous auto pay to prior bank they paid amount of that billing. 

I have bank records showing payments. 

I can not talk to them because I get very frustrated because each customer service person gives me a different reason and dates/year. 

When loan was transferred from previous mortgagor I had gotten a modification. Since then my mortgage has doubled that. 

I have copies of mortgage payments made by bank from XXXX.
Product: Mortgage

I have been trying to contact Pennymac about assuming my mortgage to remove my ex-wife 's name from the mortgage. They will not make contact with me despite spending hours on the phone, only to be constantly rerouted or hung up on.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to block the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$620.00} XXXX XXXXXX/XX/year>
Product: Student loan

Navient is continuing to add and subtract balances from my accounts. This is adversely affecting my credit score. I am currently in the process of purchasing a house for my growing family and their frequent updates are detrimental to this process. For the record, they do not have my correct contact information and I was not notified that my automatic payments stopped. I only realized it when I received an alert through my credit monitoring service when they posted late payments on my credit report. I did not stop the automatic payments and was puzzled when I received those alerts. 
I respectively request that the late payments from XXXX be removed and set to current. Once I realized auto payment had stopped, I called Navient and had auto payment reinstated which should have never stopped in the first place. Also I request that any student loans over 7 years old be removed from my credit report, as that is more than the SOL ( Statute of Limitation ) for my state. Again, I need this done ASAP as Navient is doing illegal collection and reporting practices which is negatively affecting my family way of life. 
I am also a military veteran and while looking into my Navient account I see that I have two stafford loans, one college advantage and one career training loan. My wife handles the bill so this was my first time logging into account to see. I dont remember applying for these loans. Both organizations XXXX XXXX and XXXX XXXX OF XXXX said that they was using my GI Bill. I assumed that I was repaying back for the GI Bill sense I had to stop going to both organizations due to personal issues. I do not remember signing anything for these loans and would like to request verification of debt for both organizations showing original documentation that I did contract with them for these loans.
Product: Student loan

Early XXXX set up account with Nelnet, applied for XXXX plan. Was given estimate. Waited 10 days as usual. Sent email after being on hold XXXX XXXX XXXX ( with no response, and was in fact hung up upon ) saying it was still in progress. XX/XX/XXXX and XX/XX/XXXX sent XXXX identical emails saying that it was stilling progress. 

As of today, no communication since, no change.
Product: Mortgage

I purchased an appraisal though Solidifi, It came back incomplete and with a lot of errors. They would not give me a refund.
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than 30 days ago, I have received no response, nor has adequate validation been provided. I request your assistance in addressing and resolving this matter swiftly and effectively.
Product: Checking or savings account

In the whole year of XXXX XXXX the where making my account goes on overdraft and keep charging me when the money waw there they keep taking the money then added the money back there again changing the amounts in available balance sometime I got some money and then there money wasn't there for some reasons transactions. The amount on the ATM withdrawal crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a handful of hard inquiries from a company called XXXX ( credit union ) I did not authorize these inquiries and need them removed
Product: Debt collection

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Ars Account Resolution using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Product: Credit reporting or other personal consumer reports

My credit union can not pull out my credit report from Equifax because my DOB is incorrect. I tried multiple times and I sent copy of my SS, and driver license twice to this people and they still not updating anything.
Product: Money transfer, virtual currency, or money service

[ XXXX ] Your Venmo account has been suspended, because we've detected suspicious activity on Venmo your account. 
Recovery your Venmo account immediately by click link bellow : https : XXXX Please take action on your account within 48 hours to avoid permanent suspension. 

Best Regards, Venmo. Inc
Product: Credit card or prepaid card

Hey, I was traveling overseas last year, and wanted to rent a car, so I decided to use one of the benefits that my XXXX Credit card offer, which is insurance coverage, and this is the reason I applied for this card. 
The way they advertise it is " Decline the rental company 's collission isurance and charge the entire rental cost to your card ''. 

So I rented a car on XXXX XXXX 2017 for {$150.00}, and when I went to pick up the rental car from the airport, the rental car company refused to accept the XXXX Credit card and wanted to charge me {$400.00} more on the top of the amount I paid, so I canceled the rent, and now the rental car refusing to take responsibility of misleading info on their advertising, and wo n't refund the money back to me. 
I talked to the benifit office of the XXXX Credit Card offered by Chase, and thei answer was that they ca n't help, they follow the policy of Chase, and when I called Chase, their supervisor said they ca n't refund the miney. 
What I 'm asking for is the redund of {$150.00} since I did n't lease the car, because their card is not acceptable like they advertise. 

Regards
Product: Debt collection

I was contacted about owing money through a company called IC Systems Inc years ago and it was never resolved. I do not have any affiliation with this company or did not ever open an account t with this company. Someone stole my information and opened an account under my name. Identify Theft and Fraud.