23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, I am writing this letter to formally dispute the prepayment penalty amount that was recently deducted from my loan payoff balance. As per my original loan agreement with Kiavi and in accordance with Ohio state statute ORC Sec. 1343.011, the prepayment penalty was to be calculated at 1 %. In correspondence with your closing company, you initially provided the correct payoff amount based on the terms specified in the loan agreement, which included a prepayment penalty of 1 %.

Subsequently, 10 days after closing, I was informed that the prepayment penalty was actually 3 %, and I was requested to remit the higher amount along with additional fees and interest.

I would like to emphasize that this discrepancy contradicts both the terms of my agreement with Kiavi and the Ohio state statute. As a result, I request that the incorrect prepayment penalty of {$6800.00}, which was deducted from my loan payoff, be adjusted to the accurate amount of {$2100.00} in accordance with the original terms outlined in my loan agreement and the Ohio state statute.

I believe in resolving matters amicably, and I sincerely hope that we can come to an agreement on this issue. However, should we not be able to find a suitable resolution, I may have no alternative but to pursue legal action to recover the undue charges.

I would like to bring to your attention that I never agreed to or signed any documentation reflecting a 3 % prepayment penalty. The amount I agreed to, both in my loan agreement with Kiavi and in compliance with Ohio state law, was 1 %. It appears there may have been a misunderstanding, error, or miscommunication that led to this discrepancy.

I am attaching copies of both the loan agreement provided by Kiavi and a copy of Ohio state statute ORC Sec. 1343.011 for your reference. As you can see, the terms of the prepayment penalty are clearly outlined in both documents, specifying a 1 % penalty for each of the first three years of the loan term.

If there are any additional documents or information required from my end to expedite the resolution process, please do not hesitate to inform me. You may contact me at XXXX or XXXX at your earliest convenience. 

Thank you for your cooperation in addressing this matter promptly. I trust that this issue will be resolved in accordance with the loan agreement and Ohio state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed child support from transunion about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXX XXXX I'm almost XXXX
Product: Debt collection

In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections.
Product: Debt collection

I pulled a copy of my credit report and some company was reporting a bill for XXXX XXXX XXXX XXXX. I did dispute with them and they took it off my credit report because it 's not mine. Then this XXXX XXXX XXXX company is reporting it and it 's reporting it as something new. This is n't mine and I do n't owe this. Please help me I do n't know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The fair Credit Reporting Act. The list of Accounts Below HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Debt collection

Lvnv Funding LLC at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$910.00} and a second account in the amount of {$1100.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ......
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, 2023 I called this company, they did not respond.
Product: Checking or savings account

Having overdraft fees applied to my account even with the funds being there. Several times
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft 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 Navy Federal for similar practices, where transactions settled with insufficient balances, despite initial available funds. I believe these practices are unfair. And request an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX and Equifax that they have incorrect personal information on my reports. I have notified them on XX/XX/2021 XX/XX/2021. Both credit bureaus have fail to update my personal information. I am highly concerned that this may expose me to identity theft. 

I have provide copies of my DL and utility bill that shows my correct address and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I have a loan which is now settled with Opp Financial. I would like for Opp Loans to just reflect my credit report as such. Ive called in, file disputes and they keep updating my credit report as file remains, although it has a XXXX balance. As I paid on the loan amount, it never reflected in my credit report they just kept reporting it as past due {$970.00}. I really just want them to update my credit report so I can move on from this! They blame the credit bureau for the delay in reporting but the credit bureaus say they submit the info as soon as they get it. I have the letter reflecting the {$0.00} balance. I submitted to XXXX. Why do they respond that the account remains as is with {$970.00} due. Opportunity Financial, please just update my file. Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX US Department of Edu , XXXX XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.
Product: Checking or savings account

Hello, On XX/XX/2022, I submitted a claim to Chase Bank in regard to a check that was cashed by an individual. Essentially, this individual stole the check, erased the name of the company that it was supposed to go to, and cashed it themselves. This was a check for {$4000.00} that was made out to the company " XXXX XXXX. '' When I found out that they never received the check, I looked on my Chase XXXXXXXX XXXX and found that the {$4000.00} had already been taken out of my checking account, but the name that came up on the check was " XXXX XXXX. '' This individual stole my check and wrote it out for themself by changing the name and the date, essentially committing a felony. I have been on and off of the phone with chase regarding this incident, and originally this was all supposed to be solved by XX/XX/XXXX. After calling Chase Customer Service at least 3 times, they kept extending the deadline and saying that the claim is still open and investigating is still going on. Quite frankly, they keep making promises that they are not keeping and I am not sure how long it is going to take for them to finally do their job and get this thing solved so I can get my reimbursement. I reached out to the FDIC and they are the ones that told me to get in touch with CFPB. Any help that you can provide me would be greatly appreciated, as this is a lot of money that was stolen from me and I don't feel like Chase Bank has been doing a good job handling my situation. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXXXXXX XXXX XXXXXXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX Summary of Incident : Consumer Details : XXXX XXXX, Social Security Number : [ XXXX ], Date of Birth : XX/XX/XXXX. A formal complaint has been lodged with the CFPB in response to an erroneous credit report issued by TransUnion, which has been contested according to FCRA 605B ( 15 U.S.C. 1681c-2 ). That TransUnion credit reporting agency block information appearing on my consumer report, that is a result of identity theft and fraud within 4 business days of receiving this complaint. Details of the Complaint : This complaint originates from an incident of identity theft, corroborated by the disputed credit report from TransUnion. It wrongly includes several unauthorized accounts and inquiries : A credit account purportedly opened with XXXX ( XXXX XXXXXXXX XXXX  ) on XX/XX/XXXX. An additional account was allegedly initiated with XXXXXXXX XXXX  on XX/XX/XXXX. These unauthorized accounts have resulted in multiple derogatory entries on my credit report, such as hard inquiries and collections, which I do not acknowledge and have not consented to. These entries have detrimentally influenced my consumer XXXX  score. Additional Documentation : Provided are the list of hard inquiries, a copy of my consumer XXXX credit report, and a copy of the FTC Identity Theft Criminal Complaint ( case number [ private ] ) filed with the U.S. Federal Trade Commission. These documents support the assertions of identity theft and the resulting errors on my credit profile. All listed accounts, inquiries, and collections are claimed as the result of identity theft and were not authorized by me. This version has been tailored to include the specific details you provided. If you need further adjustments or additional information added, feel free to let me know!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  ),  XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX  XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX Account Number : XXXX ( Experian , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( Experian , XXXX  ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX XXXX ).
Product: Credit card

Are you aware of Chase 's Pay Over Time Fee and the language that they use to describe it, and the fact that they do not provide any numeric examples of the " fee. '' I can't believe this explanation is not deemed deceptive. Fees " Monthly fee of up to 1.72 % of the amount of each eligible purchase transaction or amount you select to pay over time with no interest, just a fixed monthly fee. '' Yes I am aware of the Buy Now Pay Later schemes and I am surprised that they don't run a foul of regulations, but then I learned that they do not run a foul because of a problem with the regulation, namely that there is some short-time periods to which truth in lending rules do not apply. 

And you let them say, " Chase Pay Over Time plan balances that have a Chase Pay Over Time Fee will not be subject to interest after plan activation. If this XXXX  craziness, I don't know what is. 

Yes, I understand that Chase is trying to partition past charges from new charges and possibly eliminating interest on the new charges when there are still unpaid prior balances, but this just seems like a practice that is going to lead to some real abuse of admittedly financial stupid consumers. 

Are you going to allow insurers and others that have different premiums for annual versus monthly payments, avoid disclosures of the implicit interest rates in the monthly payment approaches? The insurers might already avoid disclosing such, but I'm pretty sure that Professor XXXX and others have criticized the insurance industry 's inadequate disclosure practices. 

Chase may not have needed your prior approval to send out their marketing literature, but I sure hope I'm not the first person to complain about this because the date of this old mail that I just opened, I'm pretty sure that Chase has been sending out such notices about Pay Over Time Fee for many months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some address that were not mine. 
I disputed a collection account called XXXX. 
XX/XX/XXXX I disputed three chase credit card charge offsfor the wrong amount XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed XXXX XXXX XXXX  for wrongfully repossession of my car without contacting to get it back before auction. Now it is reporting on my credit for the wrong amount. 
XX/XX/XXXX I disputed a hard inquiry called XXXX thats not mine. 
I disputed previous employment XXXX XXXX  thats not mine thats repoting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  TX is not my address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL is also not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$350.00}
Product: Vehicle loan or lease

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. All dates were XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Carrington Mortgage Company I want to know if the following actions taken by this mortgage company are legal : 1. As of XXXX 2017, the company charges {$5.00} to process my payment online. The payment is not late. 2. When XXXX XXXX XXXX sold my loan to Carrington, the company raised the amount that I need in escrow two years in a row. The excess funds are returned to me at the end of the year, which indicates that I am being charged too much. 3. I was told that the only way I can get a new mortgage company is to refinance. I am within the last 10 years of my loan, so I do not want to refinance to a 15-year note. This is a terrible company that is not responsive to its customers. Just look at all of the complaints online. Can anything be done?
Product: Credit card or prepaid card

I currently have several issues with my Capital One credit card. 
On XX/XX/2018 I made a purchase for flight to XXXX which cost {$400.00}. I later cancelled the flight on the same day, within the 24hr allowed for cancellations. 
XXXX the company I used to make the purchase, first stated they would refund the {$400.00}, but a few days later when I checked my account to see if they had done so. the charge was still on my card. I called XXXX to find out what happened and they were refusing to refund me the money. 
I then called my Capital One credit card provider to file a complaint, and explained to them what happened. Capital One issued a provisional credit to me in the amount of {$400.00}, and then conducted there own investigation, no money, just a provisional credit in lieu of investigative results. 
By XXXX, I believe Capital One credit card mailed me a letter stating XXXX had agreed to refund me back the {$400.00} and such being the case, the provisional credit they issued would stand. 
I just recently went to pay my bill yesterday, XX/XX/2018, and saw posted to my account as a " rebill '' from Capital One for the same {$400.00}. 
Today I went to pay my bill and called Capital one to find out the reason for this {$400.00} and was told something that makes no sense, and I believe the company has now billed me twice. 
I called XXXX on XX/XX/2018 and asked them to find out what happened with my account for the disputed {$400.00}. I was told by representative XXXX, that on XX/XX/2018, they, XXXX had agreed to refund the amount back to my card. He also stated the {$400.00} had posted on XX/XX/2018 back to my Capital One account.. 
At this time whatever provisional credit issued by Capital One, should have been replaced by the refund, resulting in a net zero sum. 
Capital One issued a " credit '' not any money and if they issued money, I ask them to do a debt validation of such. 
Secondly, on XX/XX/2018 I made a purchase from a XXXX company in the amount of XXXX XXXX dollars. XXXX XXXX rate for that date was XXXX XXXX to $ XXXX which would translate to {$2200.00} ( XXXX ). 
Capital One instead has charged me a total of {$2200.00}, {$26.00} dollars above the amount I was billed. 
I also have an email, I just found from Capital One and it has an amount for the the XX/XX/2018 purchase, and although it is lower than what they reported on my account, it is still more than it should be, {$2200.00}. 

XXXX the representative I spoke to at Capital One told me the reason they came up with the amount was due to the XXXX money being more than the US at a rate of XXXX to $ XXXX, this of course makes no sense as US currency is more than XXXX. I requested she send me an accounting of this and she stated they could not. 
I believe I am being defrauded by Capital One and need to have this matter resolved.
Product: Debt collection

I attempted to settle my account for the exact amount of {$500.00}, which was the original debt owed to XXXX. Initially, the employee persistently pursued a sum exceeding {$1000.00}, but eventually, they indicated the lowest they could accept was in the XXXX XXXXange, still exceeding the initial amount by {$200.00}. They asserted that they represented the credit union and that the credit union requested this payment. However, after confirming with the credit union, it was revealed that Knight Adjustment Bureau is a third-party collection agency, not affiliated with the credit union , and they had not received any settlement requests for this account. I requested both proof of debt and proof of the settlement offer, but these requests were denied. Additionally, when I asked for proof of settlement after making the payment, that request was also denied. Considering these factors, I have concerns that this company is acting dishonestly. 

I would like to settle this account and receive documentation regarding payment and settlement of the charges are valid.