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

I was wrongly charged 3 overdraft fees but my account never went negative. My balance on the morning of XX/XX/21 was {$85.00}. On that day a deposit of {$40.00} posted and I had 3 debits that totaled {$23.00}, so the funds were there to cover the transactions. I was shocked when I looked at my account the morning of XXXX and saw that BB & T had charged me 3 overdraft fees totaling {$100.00}! 

I went to my local BB & T branch to meet with a banker because I was absolutely sure this was an error and it would be resolved with a refund of the fees. I pointed out to the banker that the transactions on my account did not take it into the negative. She said, " Oh, you can't go by that. '' I said, " Are you saying my account does not need to go negative to get an overdraft fee? '' She printed out an " explanation '' which I have attached. It said my XX/XX/XXXX balance of {$85.00} was debited by 5 transactions totaling {$160.00} that took it to a negative balance of - {$81.00}, but those 5 debits did not post till next day, XX/XX/XXXX! On XX/XX/XXXX, when those transactions actually posted, my social security direct deposit had come in, so those 5 debits were well covered. The printed " explanation '' tried to say that the transactions that posted XX/XX/XXXX should actually be counted against my XX/XX/XXXX balance. I do not understand how this can be considered fair banking practices. How can they charge overdraft fees on an account that never went into overdraft? This is trickery, unfair, and deceptive. I am XXXX and on a fixed income. I can not afford these predatory fees. 

Since I realized the banker was sticking to her story that the fees were correct, I asked for a courtesy refund. She checked with her manager and came back and told me that she could not give me a refund because I had been given a refund two years ago! 

I'm attaching my account activity from XXXX XXXX XXXX, and the " explanation '' detailing the unreasonable and unfair fees they charged for overdrafts that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to fix an error that is reporting to my Equifax and XXXX report, but this request has fallen on deaf ears. On XX/XX/XXXX, I sent dispute letters to the above credit reporting agencies informing them that the account XXXX XXXX XXXXXXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. How does this meet FCRA requirements? Also, I had an agreement with this company to have my payments deferred in XXXX due to covid so there were no late payments being reported. I have tried to remedy this issue for almost 4 months so I am demanding that this account is updated to paid as agreed, no late payments within 15 days. I will attach the letters that were sent which are dated and time stamped. I will also attach the credit report showing the inconsistent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted LexiNexis to dispute inacurate information that was obtained from a denial of insurance services and to get a copy of my consumer file and Opt out. LexisNexis sent a response letter stating that thery were " unable grant my request '' and refused to send me an up to date consumer file or dispute any of the inaccurate information or opt out of their file discloure practices.
Product: Debt collection

I recorded a phone call that has just concluded and the woman from Navient notified me they would be putting a lien on a property that is not mine and will be siezed to collect on a student loan debt that was taken out over 5 years ago. They have been calling from the hours XXXX, even after numerous conversations I 've had with them after becoming a stay at home mother and full time student. At this time I have no income to pay this loan payment and now I 'm being threatened to be litigated? Absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION BROKE THE LAW and is violating me as a federally protected consumer under 15 USC XXXX XXXX. TRANSUNION furnished an account on my credit report that I did not give them written consent to do violating 15 USC 1681b ( 2 ) - this account is also fraudulent. I sent an Affidavit of Truth and attached a FTC Identity Theft Report. ( attached ) According to USPS tracking, the documents were received on XX/XX/2022. ( proof attached ) I gave them everything I needed to remove the XXXX XXXX account they furnished without my consent. Attached is a recorded phone call I I had with a supervisor from the dispute department on XX/XX/2022. AZ is a one party state so I did not have to let them know I was recording. In this audio, you can clearly hear me exercising my rights and this employee is not complying. They are giving me a hard time and ignoring what I was saying. I told them I never gave them written consent to furnish this account on my credit report. He told me that the credit card companies are to report to them when credit is applied for. This employee kept telling me that we were say the same thing. Which we weren't. I said nothing about that. I said I never gave them, TRANSUNION, written consent to furnish the XXXX XXXX account on my credit report violating 15 USC 1681b ( 2 ). This has nothing to do with the credit card companies reporting to them. Reporting and furnishing are two different things. To further emphasize this, I state that TRANSUNION is in violating of 15 USC 1861a ( d ) ( 2 ) ( a ) ( i ). This law states that a credit report can not contain information solely as to transactions or experiences between the CONSUMER ( me ) and the PERSON ( XXXX XXXX ) making the report. Yet it is on my report? None of their policies supersede the law. In accordance to law and what was stated in the Affidavit of Truth sent, an investigation period does not stop the account from being removed and had nothing to do with the violation I stated in the affidavit. I added the FTC Identity Theft Report to further show that the account is fraudulent, so not only did they furnish an account I never gave written consent to be furnished, they furnished an account that is fraudulent. And pursuant to 15 USC 1681c-2, they had 4 business days to take it off. TRANSUNION is violating my rights and is to be held accountable for their unlawful actions that have caused me emotional and physical distress.
Product: Mortgage

DITECH FINANCIAL, LLC has force placed insurance without any reasonable basis. Further, DITECH FINANCIAL, LLC has been provided with proof of insurance and has, over the course of more than 1 year, actively and knowingly refused to acknowledge its misconduct. There are several letters and other correspondence with DITECH FINANCIAL, LLC representatives, including correspondence in which the borrower repeatedly provided written proof of insurance as required under her Deed of Trust assigned to DITECH FINANCNIAL, LLC. The borrower was forced to retain counsel because DITECH FINANCIAL, LLC is systematically ignoring the borrower 's provision of written proof of insurance. This is very worrisome. It appears to be a knowing and intentional violation of Regulation X of the Real Estate Settlement Procedures Act. 

Currently, DITECH FINANCIAL, LLC refuses to withdraw its force placed policy despite having received written proof of insurance as required under the Deed of Trust. Based on the written correspondence which DITECH FINANCIAL, LLC has received, there is no reasonable basis to believe that the borrower has failed to maintain hazard insurance as required under the Deed of Trust.
Product: Credit reporting or other personal consumer reports

Identify theft and security breech. 
Accounts Negatively reporting on my credit files XXXX XXXX XXXX XXXX Credit Report As of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/Closed Account lype Balance Date Opened XXXX XXXX XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXXXXXX XXXX XXXX. 
XXXX Closed Secured Card XX/XX/XXXX Closed Charge Card XX/XX/XXXX Closed Credit card {$780.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX XXXXXXXX XXXX CU XXXX Open/Closed Account Type Balance Date Opened Closed Auto Loan {$15000.00} XXXX XXXX, XXXX Closed Auto Loan {$2600.00} XXXX Open/Closed Account Type Balance Date Opened Closed Auto Loan {$2600.00} XX/XX/XXXX Student loans XXXX  XXXX Open/Closed Account Type Balance Date Opened XXXX XXXX Open/Closed Account Type Balance Date Opened Closed Education XX/XX/XXXX XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened XXXX  XXXX XXXX XXXX XXXX Open/Closed Account Type Balance Date Opened Closed Secured Loan {$2400.00} XX/XX/XXXX Closed Unsecured {$2900.00} XX/XX/XXXX XXXX. XXXX  XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX  XXXX Account lype Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX  XXXX Account Type Balance Date Opened Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00} XX/XX/XXXX As of : Today Collections XXXX Account Type Balance Date Opened XXXXXXXX XXXX XXXXXXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX Account Type Balance Date Opened XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX Collection {$2400.00} XX/XX/XXXX Collection {$6300.00} XXXX XXXX, XXXX Collection {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I rented a unit from XX/XX/XXXXXX/XX/XXXX located here in XXXX, KY, I was forced to vacate the unit and did not stay until the lease expired. But my complaint here I do not agree with the amount being reported on my credit. I have asked repeatedly to get a complete break down of the total {$2800.00} being reported on my credit file. No one from National Credit Systems ever responds to my dispute letters.
Product: Debt collection

I took a loan for XXXX paid off the loan of XXXX they wanted me to pay XXXX and I could n't. now I have this " law firm '' calling my place of employment asking them to please not to call me at work. I 'm in an area I ca n't talk personal things. they refuse to listen and continue to call me..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is at least the Second time trying to submit this request/ complaint. I understand that I did not provide enough data for you to update. I stand firm that I do Not have a printer thus this avenue of  uploading documents through CFPB is my only option, it is irritating that TU 's remedy is to have me print identifying documents and mail them..or that your response will be generic in nature. How about addressing your standards to reflect other option? Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address - XXXX XXXX ( No other utilities are in my name and rental insurance or lease seem to work ; I am uploading one of those anyhow ) Please update this address. I no longer live in the XXXX apartment rental ( however, I have uploaded the water bill to prove that was my previous address ). I am providing my XXXX DL ( but it does not have a current address. I do not have a vehicle and will not be getting a new DL ). I have provided another Gov IDs. I have also provided my most current credit report ( TU may have send an updated - but with moving I do not have it yet ). Finally, and a bit off subject, but I would never intentionally work with you, TU unless I have to thus this is the predicament. I know you have nothing to do with this issue but I find it frustrating that there are 4 bureau 's and consumer agencies and nothing is consistent. In my opinion, there only needs to be 1 of you. I will keep up with this request across the board and hope that you will make this easier.
Product: Credit reporting or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY Experian has also refused remove an inaccurate address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not associated with me and because of the inaccurate information listed on my credit report it has left me vulnerable and has caused fraud inquires and accounts to appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Yesterday I log in to my XXXX to check my credit report, I saw XXXX sent me to collection for {$980.00} which I still have XXXX as my phone career and still paying my monthly bills so I called XXXX last night and spoke to a representative she told me they dont have me on their system that I owed them then I ask them to escalate the call to a supervisor and then they told me the supervisor will call me back then the supervisor call me back reassure me that they did not send me to collection agency and she told me she will get to the bottom of it to contact the credit bureau to make sure to delete the collection off my name. The name of the collection agency is Source receivable mng.
Product: Credit reporting or other personal consumer reports

These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Product: Student loan

I called navient to inforn then I 'm unable to make payments due to financial problems. I asked them since I contacted them if they could stop calling my co signer who is elderly. They told me even though I spoke to them they would not stop calling. I told them that was harassment, and that by law once contact is made thsy ca n't keep calling. They disagreed and tild me that were going to call until they had payment or payment arrangements. I told them at this time myself and cosigner are XXXX financial hardships.
Product: Vehicle loan or lease

I sent payoff to my finance company which cleared my bank on XX/XX/18. It is now XX/XX/2018 and I have yet to receive a title, paid in full letter, nor release of lien. I have contacted the job several occasions just to get told the same thing, its already been sent out in XXXX. I have XXXX had an issue with receiving mail from this company and AFTER my check was received, Ive not only received a XXXX monthly statement ( even tho it showed {$0.00} owed ) since then, but also a refund of about {$13.00} in which XXXX claims all documents were sent out together with refund and it confirms that I have no issue receiving mail. They are continuously giving me the run around about my title and paid in full/ release of lien even tho I have requested on multiple occasions to have it resent or to send it to my email. This is ultimately the worse finance company Ive ever did business with considering this is my 2nd CFBP complaint within a year!
Product: Debt collection

This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have added a collection to my credit report and Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitiled to {$1000.00}. They just either compensate me or remove this this fraudulent account immediately.
Product: Mortgage

On XXXX XXXX I filed a complaint against NationStar for requiring a Short Sale Seller, who has a ratified contract on their property, for not reviewing the offer, but requiring an auction to uncover other buyers and " true market value. '' That complaint was # XXXX. 
A XXXX XXXX XXXX XXXX XXXX XXXX has been conducted, so market value is known. Further, we never received an answer to the first complaint with CFPB on Friday, XXXX XXXX, per your letter to myself and my Sellers. 

The auction puts the Seller at risk of being under contract to sell to XXXX parties, which is impossible. They could be in default and at risk of a lawsuit from the buyers they are under contract with now if that happens. 

PLEASE HELP US. NationStar continues to push this auction as a necessity per the investor on the loan, yet wo n't disclose who the investor is. This refusal, combined with past experience, makes me believe that there is a XXXX party auction company that would be making a premium once the property is listed for auction, and this is not an investor requirement at all. It is completely beyond reason why they can not review this offer vs. the XXXX value they have. 

HELP! 

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

XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX and Equifax are destroying my credit/FICO scores by their false claims.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00}
Product: Vehicle loan or lease

My lease on my XXXX XXXX was ending and they gave me the option to extend my lease online and continue making payments. 

I choose to extend my lease for 3 months until I decided to buy a new car. I was told I would get information in the mail as I normally do to make my monthly payments. 

I never received anything in the mail the first month and my wife who pays the bills didn't pay it since we didn't receive anything. I finally got the first bill and showed that we had an outstanding balance. I paid it immediately when I got the bill, I have never been late on any of may payments for at least 10 years. 

I got notified via my credit monitoring that I had a a late payment from Acura Financial services. I immediately called them and they said that my payment was late by one day and there is nothing they could do. 

They said the call me multiple times on a phone number XXXX XXXX XXXX XXXX that doesn't even exist and said I gave it to them or the dealership gave it to them. The number I have on file is XXXX XXXX XXXX XXXX. I attached a screen shot of the number I have on file. 

The day after I made the payment I finally got a call on my cell phone the number that would have been on file that I was late. 

I had never missed a payment and I choose to extend the lease and never received a bill or any notification of a late payment. 

This is now affecting me to buy a new car and none of this was my fault. If I would have just turned in the car there would have been no negative impact on my car.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Credit reporting or other personal consumer reports

recently, I did an investigation on my credit report which cause me severe XXXX. 
finding out that there's incorrect, invalidated, inaccurate, unverifiable, and questionable items on my credit report that your agency didn't make sure was 100 % correct. 
in accordance with the fair reporting act. everything has to be 100 % accurate on my credit report and under 15 us code 1681e ( b ) and 15 us code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

as well as, 15 us code s-2 responsibility of furnishers 15 us code 1681i ( 5 ) ( b ) reinsertion of deleted item 15 us code 1681i ( 2 ) ( i ) ( ii ) procedure in case of disputed accuracy which are also in violation of my rights under the fair credit reporting act? 

the credit reporting agency stated that these accounts were properly investigated and come back as verified. however, how is this true when there are several inaccuracies showing on my credit report, causing me XXXX, XXXX, mental health issues and financial hardship. 

as a consumer, I respectfully request to know all the steps your agency took to insure that all these accounts are 100 % accurate. 15 us code 1681i ( 7 ) method of verification- description of reinvestigation process RESOLUTION as a consumer and American citizen, by law my credit report must be made 100 % accurate immediately which is in the best interest of justice. i respectfully ask that the credit reporting agency update with 100 % accuracy and/or delete all the inquires, inaccurate information and fraudulent accounts listed in my complaint. 
please and thank you. 

I have also filed an identity theft report with the federal trade commission to protect my consumer rights. 

identity report and federal trade commission reference number. 
# XXXX