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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees 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 initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 

Some examples of these occurrences are dated : XX/XX/year>, XX/XX/year>, & XX/XX/year> in the amount of {$29.00} each.
Product: Credit reporting or other personal consumer reports

I am expressing my serious concerns regarding the unauthorized access to my personal information and the reporting of information to credit bureaus by your Portfolio Recovery and XXXX XXXX XXXX. After a thorough examination, I am not aware of any contractual relationship or agreement that would authorize these agencies to handle my personal information or report any details about my financial obligations. 

I understand these companies may be engaged in debt collection activities ; however, it is imperative to emphasize that the absence of a contractual relationship between me and you raises questions about the legality and validity of their actions. As a consumer, I have not entered into any agreement or contract with either agency that permits the collection of my data or authorizes the reporting of such information to credit reporting agencies.

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting, and any information reported must be substantiated and legally permissible. I am concerned that the reported information may be I kindly request that they provide written documentation establishing the legal basis for their collection efforts, which they failed to produce, and the reporting of information to credit bureaus concerning my account. 
Additionally, please provide any relevant contracts or agreements that authorize your agency to handle my personal information and report on my credit. accurate, incomplete, or reported without proper authorization. 
Until such time that proper authorization and documentation are provided, I insist that they cease all collection activities related to my account and remove any reported information from my credit report. 
Failure to provide the requested documentation within [ reasonable timeframe, 15 days ] will compel me to escalate this matter to the appropriate regulatory authorities and pursue legal remedies available to me under applicable laws.
Product: Credit reporting

Experian sent me my most recent Credit Report dated XXXX XXXX, 2016. Unfortunately my previous disputed inquires have not been removed. The same inquiries have been properly investigated and removed within the time period while Experian is using delay tactics to resolve the matter. The following inquiries are being disputed : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX ( 2 TIMES ) XXXX # XXXX ( 2 TIMES ) XXXX XXXX BANK # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Please note that for some of the mentioned disputes have been made known to Experian since XXXX 2016. Experian has not complied with the 30 day period as per the FCRA.
Product: Debt collection

XX/XX/2017amount $XXXXThis debt is in my credit report since XX/XX/2017, this debt is not the owner .... I have contacted this collection agency ... I still do not respond ... I ask you to invest this account because I am not the owner of it ... please I hope your cooperation immediately ...
Product: Debt collection

This company has threatened me, attempted to contact my family, to harm my family, to arrest me, that they were of a government agency, that they were of a law firm, They called saying they were an officer that would be at my house that afternoon, they they would increase my debt by 10 fold it not paid, literally everything and I cant get any information from them and they wont stop. I dont know who they are or why theyre reporting but Im threatened and afriad.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which XXXX, and Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX   XXXX, XXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX,
Product: Mortgage

When I pay extra money towards my principal balance, Freedom Mortgage posts my regular monthly payment XXXX, they deduct what I owe to interest, then the principal amount from my regular payment, then on a separate entry they will enter whatever amount I paid extra towards my principal payment. Well after they deduct this extra principal I pay, they then post the TOTAL OUTSTANDING BALANCE with the regular monthly interest they deducted on the regular payment back into my amount owed. This month is was {$330.00} added to my total due instead of it being deducted. Plus every year they transfer my loan from one lender to the next and I have to either agree with the balance they say I owe or dispute it. I disputed it because of their failure to post payments correctly. They sent me several documents of my payment history, but not all of it as I requested. There are months missing. I need to know if there is someone I can hire to audit my account and get the files. They transfer the mortgage from their sister companies every single year so far. Just to make sure they keep skimming off the payments when people do n't notice they total your money back into the balance as if you did n't pay it at all. Just a little at a time so it is n't noticeable. Customer service is n't helpful, phone calls are time consuming, their website is hard to look at each payment due to the way they post the payments. XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Principal Payment Reversal ( {$22000.00} ) Detail XXXX/XXXX/XXXX Payment Received {$22000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$21000.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Principal Payment {$39.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} Detail XXXX/XXXX/XXXX Payment Received {$40.00} Detail XXXX/XXXX/XXXX Payment Received {$860.00} If I pay {$22000.00} towards the principal balance, then the balance should be that exact amount subtracted from the prior months balance. Instead they added {$330.00} into my final balance. I want the entire account analyzed due to the fact that every penny we earn from our jobs goes towards this loan. They are thieves. I HATE THIS COMPANY AND WANT OUT OF IT! I want to find a bank that is honest and do n't try to steal from hard working people who actually try to pay their bills off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am a real person. I have tried to fix my problems with XXXX and the other credit bureaus. They have continued to fail to be compliant. Ive let them know about my rights and the laws several times and each time they dismiss me as if i don't know what I'm talking about. Ive been studying they law and my rights as a consumer for over 3 years. 
They continue to furnish false and incorrect information on my credit report. I have told them the accounts below arent mine and need to be deleted immediately. However instead of deleting, they have just updated the account. I will take this matter into further action if they fail to delete the accounts from my report. 
They continue to violate my rights by furnishing information on my credit report without my written instructions and consent according to 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. 
Also they continue to contact furnishers about information they claim is about me, & releasing information about me to the furnishers when I have gave them NO permission to do so. Ive told them several times these accounts ARE NOT MINE. But they still continue to contact furnishers to validate information about me and has continued to violate my rights and laws by doing so. 
According to 15 U.S.C section 602 A states i have the right to privacy. 
Also according to 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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 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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Has violated my rights . These inquiries are unauthorized and ARE NOT MINE and should be deleted IMMEDIATELY! As well as the accounts below! 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX  XXXX Account # XXXX XXXX XXXX, has violated my rights. 

XXXX Account # XXXX of ED has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights.
Product: Credit reporting

I have been informed by XXXX XXXX XXXX that TransUnion has different incorect info for my address. I wrote TransUnion a letter stating my correct address where we have lived for the last nine years ( letter attached ). They sent a letter back stating I could gp online and make corrections. When I went to transunion.com and tried to register it would not accept my correct address. My address is XXXX XXXX XXXX XXXX XXXX and apparently their system can not handle a XXXX. It 's asking me to enter a ". '' or a " # '' which is not my address. I attached a current water bill and as you can see they have my address correct. The problem with the address they have on file for me, which I 'm sure is XXXX, is a problem with their software and not my problem. There is nothing I can do to correct their system. Please help me get this corrected as I have already wasted enough time on this issue. 

Thank YouXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO. 
XXXX HomeXXXX Cell
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 : CAF Account Number : 4456**** has violated my rights. Or list of inquiries 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: Credit reporting or other personal consumer reports

I am filing this complaint to address Equifax 's failure to properly investigate and resolve fraudulent items on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite submitting all necessary documentation, including an FTC Identity Theft Affidavit # XXXX, Equifax reinstated fraudulent accounts without providing a valid reason. 

These fraudulent accounts consist of a loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under th account number XXXX, a credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and credit card opened at XXXX XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. 

Equifax has also failed to process my disputes under FCRA 605B and has not disclosed their method of investigation as required by FCRA 611 ( 15 U.S.C. 16811 ).

I demand the immediate removal of these items within four days of receipt of this complaint to ensure compliance with federal regulations. I've attached all required documents for you to properly process my request in accordance with FCRA 605B.
Product: Mortgage

I received my XXXX 1098 which showed a payment total for hazard insurance in the amount of {$7200.00} and an adjustment from {$1800.00} for my monthly loan amount to {$2000.00} to pay the difference. I immediately contacted LOAN DEPOT both via phone and via email in late XXXX, with multiple follow ups throughout XXXX. 

However, I was never properly notified of the amount of the placed forced insurance, receiving on letter stating it would be around {$3000.00}. Yes, I had XXXX months of overlap and got insurance coverage in XXXX, however per CFR I should have been refunded the difference but only was refunded just over {$2000.00} ( which, is not reflected on my payout amount difference on my escrow statement ; it still shows the {$6100.00} ( for forced insurance ) and {$1100.00} ( for insurance I purchased ) approximate amounts, totally {$7200.00}. 

I have gone around multiple times trying to explain this. My tax information reflects the correct amounts ( approximately ) of the actual payout minus supposed refund, which is {$4600.00}. 

In response to why I was charged over {$6000.00} for insurance, they stated they had not proof of cover from XX/XX/XXXX - XX/XX/XXXX ( which they did receive in closing ). Again, I NEVER received a letter or notification of this ; they just added the coverage. In response they also said they are still trying to get ahold of the insurance company, but haven't been able to? I have copies of all correspondence. LOAN DEPOT has taken complete advantage of me and I feel they think I am ignorant and incapable of following up with this. They have been rude, placed undue stress on me, and are not willing to understand or assist. 

I know the rules and regulations per CFR and what they are required to inform me of and when, and they have been negligent hoping this goes unnoticed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Equifax. 
1 ) Equifax is making a lot of money with my information, their executives make millions but they could not even do what they are supposed to do, which is to keep my information safe. I am complaining that the company did not use appropriate security. My guess is that they did not want to spend the money to get good protection. 
2 ) Now that my and millions of other 's data has been compromised they did not contact affected people right away but waited for weeks. When I tried to place a fraud alert the website was down. When trying to log in to XXXX, which I subscribe to, I get an empty page. When calling them I am on the phone so long that the battery runs empty and I have to switch to another phone. 
That is not acceptable. If the company can not do the job it is supposed to do it should be shut down.
Product: Money transfer, virtual currency, or money service

I had a crypto currency account with over XXXX XXXX dollars in from Gemini which is associated with XXXX XXXX I filed a complaint with the bank an the company the i earns just disappeared I have copies of the account in various sceenshots to support this statement I deserve that money i earned that money an for it to just be gone its a scam or something
Product: Student loan

According to Wells Fargo, the amount of student loan interest I paid in XX/XX/XXXX was {$110.00}. I thought this amount was low, so I went back through my statements for XX/XX/XXXX and added up the interest paid. I came up with {$650.00}, and that does n't included payments made in XX/XX/XXXX, as Wells Fargo did not issue a statement until XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX regarding the discrepancy in interest paid. They stated the matter would be resolved in the next 24 to 48 hours and I would receive a phone call. That time has passed and I have not received a phone call and after logging into my account with them, the interest paid for XX/XX/XXXX is still reported as {$110.00}. Out of curiosity, I reviewed my statements for XX/XX/XXXX and manually calculated the interest paid. According to Wells Fargo the amount was {$230.00}. I calculated the amount to be {$810.00}. I ca n't help but wonder if my payments have been misapplied. Interest is income to the bank, but what they 're reporting to the government is far lower than what they 're collecting. I was a student at the XXXX, XXXX XXXX, Iowa, when I incurred this debt with Wells Fargo for the XX/XX/XXXX-XX/XX/XXXX school year.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ), as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I am requesting your assistance in investigating this matter to ensure that my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. LVNV FUNDING LLC Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have a Regions credit card and was charged a few small charges. I had auto-pay set up to pay off that credit card from an Regions account. 

The credit card charges never got correctly paid and each time the autopay tried to pay the credit card bill, it was kicked back. I never realized that my small credit card bill was not getting paid off correctly like it always had been in the past. Regions never notified me- never called, emailed or told me in person this was happening. I made proper efforts to auto-pay my credit card from my Regions checking account and it was not applied correctly. 

Regions then proceeded to place a derogatory claim against my credit and severely lowered my once great credit score. My credit score was once XXXX and is now XXXX because of this error. A payment of {$60.00} that should have been paid via the autopay I had set up from my Regions account which has always had sufficient funds in it has now ruined my otherwise great credit. I pay off in between $ 20,000- {$40000.00} worth of credit cards every single month with zero late payments on my other credit cards. 

I went into Regions to try to resolve this issue and they blamed it all on me and were not willing to help in the resolution of this issue. 

I've attached documents showing several of my statements to clearly show my ability to pay and the willingness and attempts to pay via autopay.
Product: Credit reporting or other personal consumer reports

1681 o for negligence and and for civil liability not conpliance as well as selling my information to a 3rd party
Product: Checking or savings account

On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved. 

I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.