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

I'd like to file a complaint against Navy Federal Credit Union for charging me multiple overdraft fees. These fees were incurred even though I had sufficient funds in my account when the transactions were authorized. The fees were charged because Navy Federal lags the posting of charges and credits, which caused my account balance to fall below XXXX. This practice is similar to the one that the CFPB recently found Navy Federal to be engaging in, which resulted in customers being charged overdraft fees even though they had sufficient funds in their accounts when the transactions were authorized. I believe that this practice is unfair and would like you to investigate my account transactions.
Product: Debt collection

Portfolio Recovery Associates have violated multiple sections the FDCPA. They have violated section 805 15 U.S.C. 1692c- Communication in Connection with a debt collection. Portfolio Recovery continues to call my phone before XXXX XXXX. which is a violation. I have sent them a cease and desist letter stating that I refuse to pay the debt. They have yet to cease all collection activities. They are still reporting this account to my consumer report, which per court case XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. They have violated section 806 15 U.S.C. 1692d - Harassment or Abuse. Portfolio Recovery has threatened me over the phone and have used profane language towards me which is a violation. They have violated section 807 15 U.S.C. 1962e- False or Misleading representations. Portfolio Recovery have have gave false representation or implication that they operate or is employed by a consumer reporting agency as defined by section 603 ( f ). I will seek damages under section 813 15 U.S.C. 1692k- Civil Liability for each violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to place a fraud alert on Transunion after being notified of a breach of security at Utah XXXX XXXX , Inc. I was able to successfully place alerts on XXXX and XXXX  online with absolutely no problems. Transunion was impossible. I called customer service and they were no help at all. Kept asking me to try different browsers, different sites, or the website is temporarily down, etc. Nothing worked! This is not the first difficulty I have experienced with them. I faxed copies of S.S. card and license in the past, only to be told they never received the fax! Their website is awful, customer service is incompetent and I am not sure how they ever became a major credit reporting agency. Consumer alerts had them rated 1 star. They have thousands of reported complaints. Their license should be revoked. Is your agency aware of this and investigating?
Product: Student loan

My consolidated Direct federal student loans ( one subsidized, the other unsubsidized ) were held by XXXX XXXX, then transferred to Mohela in XXXX XXXX  XXXX. 

After this transfer, Mohela 's website did not reflect several qualifying payments towards PSLF forgiveness under the XXXX  administration rules. 

XXXX  of these payments I made in XXXX through XXXX towards PSLF at a qualifying non-profit employer, XXXX XXXX XXXX, despite the fact that both XXXX XXXX and Mohela has this information. My Mohela account even reflects that I have submitted the PSLF employer certification paperwork from my employer during that XXXX period, but for some reason, it does not reflect it that information in my PSLF payments. In XXXX XXXX XXXX, I called Mohela, and the phone representative told me to submit PSLF documents again. My employer has not responded to multiple, numerous requests in XXXX and XXXX to reconfirm the information that was already submitted in XXXX - XXXX, and which was counted on my previous XXXX XXXX page. 

Mohela has also refused to count the many years of forbearance steering non-payments that the XXXX  administration has stated will count towards forgiveness, which includes : -Any period in which a borrower spent XXXX  or more consecutive months in forbearance. 
-Any month in forbearance for borrowers who spent XXXX  or more cumulative months in forbearance. 
-Any month spent in deferment ( except for in-college deferment ) prior to XXXX. 

I have several months that qualify under these rules, specifically, XXXX  months, but Mohela still has not counted these months and so far, instead only counting XXXX  months from the pandemic emergency. Mohela claims I need employment certification, but for many of these months, I was unemployed, for others, I already certified, and for some still, I had non-qualifying employers but was steered into forbearance by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Mortgage

I was served with eviction paper from a man claiming he bought MY home from American Financial. I have tried several times to contact American financial several times with no response. American Financial claims to have loaned money to my deceased husband. But all papers filed were dated after his passing. They refused to work with me because I was not on the note. The house is in my name solely. I never heard of any loan before his passing. Now this company sold mine and my children home. I am a young widow, with no money to even get an attorney.
Product: Credit reporting or other personal consumer reports

In accordence with the fair credit reporting act XXXX. Account XXXX XXXXXXXX. And account XXXX XXXXXXXX. 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
Product: Debt collection

Hi, my name is XXXX XXXX a XXXX XXXX guy. 

The reality is that these companies take advantage of the ingenuity and youth to be offering you credit cards every time you go to pay I remember that whenever you go to pay they tell you that you have a discount if you apply to the card, cards that when you are studying clearly in this he is studying to get into debt and then damage your credit for the future for this reason these debts that I have in collection are from credit cards since my car pays it daily, clearly these cards wanted to harm my future and they did so now I am XXXX I would like to restore my future and I want them to investigate the practice they did when I was younger to persuade me and profit from it.
Product: Debt collection

Never received any information that I owed a debt to this company in writing. I am not aware I owe this company any money never did business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Complaint # XXXX. 

XXXX has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

XXXX is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?
Product: Credit reporting or other personal consumer reports

On my XXXX report, It shows that I was late on the Real estate loan payment ( the very XXXX payment back in XXXX of XXXX  ). I was never late on the payment and it was supposed to have been corrected of the issue but it was never corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Inquiries not Tied up to Positive Account : 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 card or prepaid card

I have a cash back check that I received from XXXX XXXX XXXX for the amount of XXXX that expired XX/XX/2018, I took it to XXXX XXXX XXXX  to redeem it and the store said we can not redeem it but you have to call the number on your card for them to reissue the check. 
I called the Credit card company but they refused to reissue the cash back check.
Product: Debt collection

I contacted the payday loan company in 2017 and agreed to pay off the debt. We agreed that I could settle the account for {$300.00}. The accounts shows that I paid full payment but it still shows derogatory on my credit reports. This is really hurting my chances to establish credit.
Product: Debt collection

I have no recourse other than to reopen my complaint as it was not satisfactorily resolved. The collection agency providing verbiage is not a response, actually addressing the terms of my complaint would be a proper response. 

I have no record of the collection agency attempting to collect the debt prior to placing a notice on my credit report. By the way, that was how I learned of the initial debt from XXXX XXXX XXXX XXXX. ( My inquiry to the ambulance service resulted in them confirming that they had submitted a bill to an address at which I have not resided for 25 years. They noted, since they had attempted to collect the debt it was now my problem, outrageous. ) Upon my inquiry to First Financial Resources, a representative noted that they had attempted to contact me via phone. They did, indeed, have the correct phone number. ( I suspect that the representative noted the current number I was calling from and guessed, correctly, that it was my phone number. ) The representative said they had attempted to reach me in XX/XX/year> and that I had spoken with a representative and requested that they cease contact with me. This is false. My phone records do not have calls logged from unknown numbers on the dates suggested by the representative. In my prior complaint, I requested that First Financial Resources provide a call log, and any recording of the purported call. They did not do so, nor reply at all.

Upon First Financial Resources actually sending me a bill, I paid it. My credit report, however, dropped XXXX points on XXXX. I feel that it is incumbent on First Financial Resources to rectify this, and ensure that my otherwise sterling credit is restored. I have also asked for a formal apology, which has not been forthcoming.
Product: Credit card or prepaid card

Hello, I had a credit card with Capital One. I lost my card ending in XXXX. I paid off all of the balance owed. I requested to get XXXX balance rewards points which is equal to {$40.00}. They said that I need to have the actual card at my possession. On or about XX/XX/2019 I asked capital One to send me a new card. On XX/XX/XXXX Capital One ( Phone number : XXXX ) sent me a letter ( case number : XXXX ), saying that my account was closed and the Rewards Points were forfeitured. 
I have no problem for the closure of my account but Capital One still owes me my deserved/ earned rewards points. To earn those point I paid $ $ $ interest payment to Capital One, for many months. 
Thank you, XXXX XXXX
Product: Debt collection

I have requested a copy of contract from XXXX, XXXX responded by withdrawing complaint from credit report then sold to Transworld Systems Inc. I have asked Transworld Systems Inc for a copy of contract to verify debt or account they refuse to send me a copy and refuse to stop reporting invalid debt. I assume the date reflected is the date TSi acquired account because it differs from information XXXX reported but is allegedly the same non existent account. 

I have requested contracts on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TSI has sent none, but this debt is still being reported and has not been verified by evidence of any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Had finally reached a live customer representative that helped log me in due to forgot password well was able to do so but now when I go to login says incorrect information and cant get ahold of any live person only AI would like a copy of my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX : Date opened : XX/XX/2023 Account Name : XXXX, XXXX. : Date Opened : XX/XX/2023 - And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XX/XX/2023 XXXX XXXX XX/XX/2023 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I requested to have my CD Account that I opened 3 years ago with Chase Bank. Upon trying to close this account, chase said that because I can't go to an in person branch, because I live an hour and a half away from any, I would have to get a notarized letter of wanting to close the account. This was all on XX/XX/2023. The same day, I got a letter notarized and emailed it to the associate I was assigned. He never said anything or confirmed receiving it. On XX/XX/XXXX, I reached out to ensure he got it and he said he did and quote, " The account should close in 3 business days, after the account closure you should receive a cashiers check within 7-10 business days. '' By XX/XX/XXXX, I still had not recieved anything. No update, nothing. The associate reached back to me and said : " I spoke with my back office regarding the delay for closing your CD and having a cashiers check issued. The notarized letter you provided was valid and the request that I submitted was valid and received, but no actions have been performed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is responsible for closing accounts that can not be closed in a branch. 



I had my back office submit an Escalation Request regarding the delay for closing your CD, the Escalation team will contact me within 3-5 business days or sooner to help resolve the issue. I do apologize for the delay by the XXXX XXXX XXXX XXXX and I will keep you updated as I receive updates from the Escalation Team '' The escalation team reached out to me a few days later but was no help. It was a foreigner who did not know what he was doing and only called to tell me that it would take the escalation team 5-7 business days to " investigate ''. Well, about a week later, he calls me again to tell me that the problem is that I did not send a notarized letter to close the account. I did, and it was confirmed on XX/XX/XXXX. I told him this and he said that they would have to investigate it again, and it would be another 5-7 business days. 

That was XX/XX/XXXX. I reached out to the original associate working on the case to express my discontent with how this is being handled and asked to speak to a manager or supervisor and never got any response. It is now XX/XX/XXXX and I have not recieved any information or update, essentially being left in the dark about MY money for over a month now.
Product: Mortgage

In XXXX of XX/XX/XXXXI received XXXX but after XXXX payments the XXXX XXXX XXXX messed up my XXXX XXXX payments because they forgot to update my XXXX XXXX XXXX service plan. I contacted ocwen and explained what happen so we ended up being behind. It took untilXX/XX/XXXX for ocwen to give us a loan modification which was double of what we had on XXXX. So we started paying the loan modification but after XXXX payments we noticed that our payments were n't being applied to our loan it was just sitting there in limbo. They did take about XXXX out of the payments. Then we found out they had started the foreclosure process. I stayed in contact with my contact XXXX XXXX. It took months and they told us to reapply for the modification. Now our fees kept adding up. From a XXXX loan it 's now over XXXX loan .so we gathered our paperwork in may and reapplied. We received a letter saying they received all our paperwork and then it would take XXXX days. The very next day we received a letter that we were denied. But we could appeal. So I gathered all the paperwork within the XXXX days. They said it would be reviewed within a couple of days we were denied because they said it was our XXXX attempt. We did n't want to re apply we wanted out payments to be applied. This could have been rectified last summer. Now I 'm going to send in our XXXX appeal and I 'm sure we will get denied. Also our original loan put my XXXX name on our loan. We bought the house from him. They put him on without any of us knowing including my XXXX. They said that was the only way we could get the loan. So if we could make the payments he would be responsible for it. We never were told andmy XXXX has since XXXX XXXX. And they have taken his name off just recently.also we have an XXXX XXXX out of XXXX XXXX who is now going through XXXX and XXXX XXXX because XXXX are coming to our home and taking pictures of the house and looking at the house. He thinks people are coming to take him back to XXXX. Of course they have posted our home on XXXX. That 's reassuring.