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

Hello, I am writing to complain about excessive and unlawful fees being charged for International transactions by XXXXXXXX XXXX. My daughter, son and I traveled to XXXX last week. XXXX already charges an unreasonably high amount for international transaction fees at 4 %, ( I was charged a total of {$99.00} in international fees ), but the transaction that is really the most egregious is when my daughter, who has remained in XXXX for one additional week, withdrew XXXX Euros from a XXXX ATM. She made a point of finding a XXXX ATM, since they are our bank, to try to avoid fees. 

On XX/XX/XXXX, My daughter XXXX XXXX, whose Student Value checking account is linked to my own, withdrew XXXX Euros, and was charged {$170.00} in USD. 

The exchange rate for Euros is around XXXX, so XXXX Euros should have been worth about {$150.00}. 

The phone representative I spoke with yesterday from XXXX told me to call back today since the department that handled foreign transactions was unavailable. I called back today ( XX/XX/XXXX ), and was placed on hold for a while only to be told that that department was not allowed to speak with customers. 

I spoke with a supervisor who said that she was charged an exchange rate of XXXX on XX/XX/XXXX, which is excessively high. I realize the rate fluctuates each day, but not that much. We have checked each day, and it has been right around XXXX. That still only brings the total to {$170.00}. I asked where the other {$9.00} came from and they said that was charged by XXXX in XXXX. This is a hidden fee that was never disclosed. 

In addition to this they charged her a {$6.00} cash withdrawal fee, and a {$7.00} international transaction fee. If they are charging hidden fees for withdrawals from the bank in XXXX, why are they also charging her an international transaction fee? 

All together, she was charged {$34.00} for this transaction, which outrageous. She is still in XXXX, and needs to withdraw more money, but she is a XXXX, and she is worried that she can not afford the excessive fees to use her own money. 

I understand that XXXX in the US is different than XXXX in XXXX, but having an international relationship should allow the bank to give their customers more favorable terms, but instead they are taking this opportunity to rip them off with excessively high exchange rates and hidden junk fees. I would appreciate you investigating this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX MA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A card was applied for on XX/XX/XXXX of XXXX, using a mix of my stolen information by an unauthorized individual. I have been trying to dispute this since it was brought to my knowledge in XXXX when I was trying to get pre approval for a mortgage loan. I was surprised when my lender asked me about delinquent account. I have been trying to dispute this account from capital one ending in XXXX attached to an address that I have never lived at nor received mail at. It has only been reporting to XXXX
Product: Credit card or prepaid card

Due to a medical  problem I fell behind on my payments of course I now have late fees on all my cards. I have at least three card companies that are calling me daily and they call at least three times an hour and up to four times a day! So, I get XXXX  calls daily.
Product: Credit card or prepaid card

Comenity bank- i have several credit cards issued through them. 2 have been closed for no reason, the others have had limits increased and decreased almost monthly. Ex I have a XXXX XXXX  credit card limit of XXXX paid it down to XXXX and they lowered my limit to XXXX. Which of course now looks like I am at 97 % to limit. They have done this with several of them if I use the card they increase the limit but when I pay it down they lower,. They say it's because of my credit score. Well if they quit doing this. My score would be a lot higher. They also keep messaging me stating its info i requested, i havent requested anything but for them to quit this practice.
Product: Mortgage

My father passed away on XX/XX/12, he was not married and I'm the only surviving child. I have tried to contact the mortgage company several times to find out my options for the mortgage. I provided the death certificate, testamentary, and a copy of my drivers license the documents that were requested. I have spoken to several different representatives who have given me several different answers and still have not added me to the loan with the correct documentation from the courts. I keep getting the run around, the departments have no direct phone numbers or emails, and now this is 4 months later.
Product: Credit card or prepaid card

I applied for an AAdvantage credit card issued by Barclays Bank Delaware and was declined. Their Notice of Adverse Action dated XX/XX/2019 noted that I was declined for the following reason, " Our records, indicate that a previous credit card that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance ''. Their letter further stated, " a credit bureau report was not used in making the determination ''. 

I was quite surprise by their decline as I have not filed a bankruptcy, or caused any lender a loss. Therefore, I ran credit on myself from the three credit reporting bureaus and all reported a Barclay Bank Delaware credit card as " Paid, closed / Never late '' ; so how could I have caused a " negative experience '' for them. So their internal records do not reconcile to their reporting to the credit bureaus. 

On XX/XX/2019 I responded to Barclay with a letter requesting clarification and a copy of the pertinent page from my XXXX  report. It has been over 30 days and I have yet to hear back from Barclay. 

If I am being declined for credit based upon what I believe is faulty information. Barclays Bank Delaware should at the very minimum respond to my request for clarification given their " records '' are wrong.
Product: Credit reporting or other personal consumer reports

filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX ) and ( Wells Fargo Auto XXXX XXXX XXXX XXXX XXXX XXXX ) Violated of my rights. 15 U.S.C 1681 Section 602 A. Clearly States that I have the right to PRIVACY. 15 U.S.C Section 604 A Section 2 : 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 PURPOSES. Remove these late payments and update this account immediately as you are in direct violation or several laws under THE FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I had applyed for a duplex for rent and was denied do to experian NOT having info on me when ALL the others did i feel it is unfair and they need to update there system. To continue to do this is very harmful to consumers who have to pay for this transaction when they have NO INFO to offer. Please do something about this problem i can just inmagian how much money they have taken from consumers and offer NOTHING in return. 
I do have the letter the property managment sent out saying it was based on no info
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be corrected or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding the continued reporting of outdated late payments on my XXXX XXXX XXXX account ( Account # XXXX ). The entries for XXXX, XXXX, and XX/XX/year> are beyond the legally permissible reporting period and are inaccurately listed as recent, which is re-aging the account unlawfully on my credit report.

These dates are invalid and do not reflect my payment history accurately, creating a misrepresentation that has negatively impacted my credit profile. The continued presence of these entries conflicts with the Fair Credit Reporting Act, which limits how long negative information can be reported.

I kindly request an immediate review and removal of these inaccurate late payments to ensure my credit report accurately reflects my standing. I appreciate your attention to this matter and thank you for your assistance in promptly resolving this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a notification from Experian informing me that XXXX XXXX XXXX has flagged my credit as Collections on XX/XX/2024. They are attempting to collect a balance of {$480.00} from an account that I have never opened and at an address where I have never resided. Last year, they did the same, and after my complaint, it was removed from my credit report. I have been charged this money in the past on several occasions, and they have been unable to prove that it is my account. 
I urgently request that this cease. I require evidence that I opened this account. 

I demand that the following information be provided : - Full name and social security number ; - The name of the original creditor ; - The creditors account number or reference number ; - The billing address of the account ; - Any other specific information relating to the consumer so that a full search can be completed.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can report accurately XXXX XXXX XXXX XXXXXXXX INQUIRES XXXX XXXX reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Mortgage

I had a mortgage with Ditech Financial Corp. I had trouble paying my mortgage and was put onto a repayment plan. The plan was successful and representatives from Ditech said that I was once again up to date on payments. 

I began paying my mortgage as I should by XX/XX/XXXX. In XX/XX/XXXX I received a letter saying that I no longer had a mortgage due to a decision made by Ditech. They would no longer finance my home ( with on time payments ) because I had a history of not making my payments on time. 

Ditech then sent back my payment check and would no longer accept payment. Twice a week, Ditech reps came to the house and left a note on the door for inspections. 

At this point, the mortgage was up to date, but Ditech would no longer accept payments. 

I went to XXXX, CT court and worked with a housing expert who let me know my options. It was found that I was on time with payments. 

Ditech then foreclosed on my house in XX/XX/XXXX. I had spent roughly {$68000.00} in lawyer fees and back payments to Ditech and they never accepted the mortgage was up to date. I LOST MY HOME. A home that I paid for and was making monthly payments on. I only became in arrears when I lost my job, but I was able to catch up with my mortgage in 8 months time. 

I had to move into an apartment and lost the only home my XXXX XXXX year old adopted son knew. 

It was Ditech representatives based in Florida that told me that I was ok and my mortgage was up to date, though each time I called them I had a different representative and could not get a hold of the original rep. My account was switched over to representatives upwards to 15 times. 

I don't have a home anymore. I was forced to leave. 

The home I had sits untouched since the day I left and I miss it dearly. 

I just want to recover what was mine and move on from this horrible disaster.
Product: Credit reporting or other personal consumer reports

XXXX did a 30-credit report update on my account as of XX/XX/year> and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more.

They are showing a XXXX  XXXX account ending in XXXX with a balance of {$110.00}. And they account was paid in full as of XX/XX/year>. The account has a credit of - {$6.00} from an overpayment
Product: Mortgage

ShellPoint Mortgage servicing website is always not working. i tried to make a payment 3 days in a row and couldn't because the website was down. but they expect people to make on time payments. This is settling people up for failure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. Midland Credit has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED.

WITHOUT PREJUDICE XXXX XXXX XXXX
Product: Credit reporting

There was a fire in a home I owned. My homeowners insurance company ( XXXX ) sent a check to my mortgage company ( XXXX ) for {$42000.00} that was supposed to be given to me to rebuild my home, or used to pay down my mortgage. With it, they included a letter to XXXX Stating that if more money was needed to pay off my loan, that all that needed to be done was for them to ask for the rest of the money. I never received a copy of the check or letter. XXXX cashed the check but never credited my mortgage account. My original loan amount when I bought the house was {$62000.00}. I had paid it down to {$58000.00}. The check from state farm for {$42000.00}, was supposed to bring my balance down to {$16000.00}, but XXXX never credited my account. They also could have asked XXXX for the remainder of the money, or at least informed me of the check and letter, so I could have asked XXXX for the rest of it. Year after year, XXXX reported to all 3 credit bureaus that I had not made any new payments to my mortgage, and that the balance was still {$58000.00}, when in fact they DID CASH the check for {$42000.00} and so my balance was actually only {$16000.00}. I made over 60 calls to XXXX attempting to get them to correct the balance on my account and no one was able to. I took it all the way to the office of the President at XXXX. Eventually, XXXX fraudulently Sold the entire amount of my loan ( {$62000.00} ) to a 3rd part loan servicing company called XXXX. XXXX, ALSO reported to all 3 credit burreaus that I then owed them {$62000.00}. I also contacted them MANY times to tell them that I already paid it down to {$16000.00}. Despite my sending the credit bureaus a 2 sided copy of the check from XXXX that XXXX cashed, they still refused to remove the item from my credit report. I would like all negative items from XXXX and XXXX removed from my credit report. The copy of the check that was cashed by XXXX is attached. Also attached is my credit report. Please note the XXXX item is on page 3 and the same item as reported by XXXX is on page 10.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my XXXX XXXX with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my XXXX XXXX  that the accounts in question are in XXXX status.
Product: Checking or savings account

I feel I am a victim to unauthorized overdraft fees that were charged to me with Navy Federal over the years I have been with this Credit Union.
Product: Checking or savings account

Hello, I deposited {$13000.00} into my checking account and teller said no hold on funds. Next morning I get an email that says the funds are on a 10 day hold. I have tried to see if the checks were cashed and see if Bank of America was just being irresponsible. This is an excessive hold in a digital world. I feel Bank of America is putting a hold on my 2 checks totaling {$13000.00} just because they can. We have no recourse but to wait. When I call the bank I ask how this can be avoided in the future and I get no advice.
Product: Mortgage

I am trying to set up some systems with my mortgage holder, XXXX. They bought my mortgage from XXXX XXXX in mid XXXX, and since then I have been unable to contact them. Their phone number is incorrect and results in a failed call. They also claim I have an outstanding debt on my mortgage which I don't ( and never have ). They do not answer emails, and the live chat disconnects you after a few moments. 

I have read other reports that they change aspects of the loan agreement without contacting the client. 

There is something XXXX  wrong with this company, and as they can not be contacted, this is a disaster waiting to happen. 

Please, please look into this. This is a high stress situation for something as simple as paying for a mortgage.
Product: Credit card

I Closed this account 3 months ago and they continue to charge me an annual fee and a monthly maintenance fee. I have contacted them several times and they will not waive them, even though i still pay my bill every month.Fortiva credit card XXXX
Product: Checking or savings account

THE problem is this : Wells Fargo Bank, and it is with all due respect incomprehensible to my beloved wife XXXX and me, requires that we have a mobile phone in order to gain online banking access! 

But repeatedly I have told XXXX senior XXXX  banker in the XXXX branch and as well at the corporate level that we do not have a mobile phone and that without a mobile phone we can not use online banking! 

Being a man of XXXX  years of age with XXXX XXXX XXXX XXXX, I can not just pop over to the XXXX branch. 

I learned the other day that I have not XXXX, not XXXX, not XXXX, not XXXX, not XXXX, not XXXX but XXXX overdraft fees at {$35.00} per piece for an astoundingly sickening {$240.00} that sent me straight to bed! 

XXXX and I live ONLY on Social Security and so this means I can not make certain vital purchases! 

Furthermore, and importantly, no one ever called me about these fees! I was not ever emailed about these fees! I received no letter about these fees! XXXX with whom I have transacted bank business never called me, wrote to me, emailed me! 

For some unknown reason my access to online banking ceased and efforts to restore it failed because, to repeat yet again, we do not have a mobile phone! 

LET ME BE VERY CLEAR : Tens upon tens of millions of people in our beloved country and hundreds upon hundreds of millions if not billions of people round the world do not have a mobile phone AND SO CAN NOT HAVE Wells Fargo ONLINE BANKING ACCESS! 

Patently unfair and, with all due respect, UNCONSCIONABLE! 

A matter it seems to me for both the Comptroller of the Currency and the Board of Governors of the Federal reserve! And Congress and the FTC and the XXXX and DOJ as well!