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

This complain is in reference to Navy Federal credit union excessive and in accurate overdraft fees. Navy federal on 4 separate occasions, has issues inaccurate overdraft fees, situations where monies were transferred via XXXX or XXXX XXXX. Monies showed immediately in account and were used however over the course of 2 or three days the account would show overdraft and transaction sequence would be reorganized. Calls to the respective for explanation left even customer service confused and there never was any transparency on why the transactions showed differently than the chronological order in which they occurred. For this reason stated I would like to file a complaint.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Hello my name is XXXX XXXX. I am writing on behalf of my situation with PNC in XXXX XXXX FL ( XXXX XXXX XXXX XXXX ). They are holding my funds from me for no logical reason. On the XXXX of XXXX I deposited a check given to me by a customer who bought a painting from me. PNC said they were going to hold the check until the XXXX. On the XXXX if XXXX they took the check from my account and said it was not legitimate. On the XXXX they locked me out of my account and access to my funds due to fraud alert. I went to the branch and they said my account was shut down and they would mail me the remaining funds in my account in 7-10 days. It has been 21 days. After calling every week and talking to 3 different people all telling me they cant help me, today I had a scheduled appointment with a branch member. They made me drive to the bank just to tell me the same thing theyve been telling me on the phone for weeks. They said they have no idea when Ill get my money and its out of there hands. I was late on rent because my funds are being held for something that isnt my fault and my landlord charged me an extra {$200.00} for being late. How was I to know the check given to me from a customer was fraudulent!? I have {$480.00} remaining in that account that I have zero access to and 6 different people have told me its out of their hands and they have no idea when Ill get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo as a data furnisher is not living up to the charge of making sure that what they supply to the CRAs is 100 % accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX / Equifax
Product: Debt collection

On XX/XX/22 I received an envelope from a debt collector firm, Hayt, Hayt, & Landau, LLC stating they are interrogatories, which is a false and deceptive statement creation of false and deceptive forms to the court. Instead its a court packet with a dock # that isnt mine and lists a court that is not in my jurisdiction with information of another consumers non public identifiable information stating they owe a debt and suing. Which are Violations of the FDCPA, XXXX XXXX XXXX XXXX and the PRIVACY ACT. I am now skeptical and have reasons to believe they did the same to me. The misrepresentation of material facts, false and deceptive statements, violations FDCPA and other consumer laws has caused grave injuries to myself and the other consumer whos information was breeched and leaked by XXXX XXXX XXXX which is also defamation of character.
Product: Mortgage

On   XX/XX/XXXX  , I send a large principal payment via check to my mortgage service company. I have sent many principal payment checks previously, the checks have been cashed and the account has been credited. This payment would lower my principle balance to less than {$1000.00}. However, the mortgage service company has refused to cash the check, and instead tells me they are send the check back to me because they consider this a loan payoff, and they will only accept a wire, or cashier 's check. My loan has no prepayment penalty. They have left me with in excess of  $ 10 0K  in  a checking account earning no interest for weeks now. But they are charging me interest on this large sum because they refused to accept my payment in direct violation of my loan.   I did not want to go through the time and expense of sending a wire or obtaining a cashier 's check.   The service company is  PennyMac.    I find this to be unethical, and illegal. I am being penalized for prepaying my loan by the loan service company.   How do I recoup my losses, and what should I do?
Product: Credit reporting or other personal consumer reports

XXXX continues to relist a XXXX reged debt from XXXX despite the fact that they know it was XXXX over a yaer ago in a Chapter XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have submitted proof to XXXX  on more than XXXX occasion that LendingClub was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the month of   XX/XX/XXXX 2015  I submitted a request for removal of an authorized user from my american express cards. The transaction was verified to be completed. The authorized user I had added and removed is now threatening litigation because of them not being removed, and  American Express  reporting information in regards to my card on the credit bureau. I have tried to obtain a clear path to send a written request, and they are not answering me with a clear process. I also have requested transcripts of all history of the account and they will not provide it to me. They will not help me with disputing the incorrect information.
Product: Money transfer, virtual currency, or money service

I sold a fitness smartwatch on XXXX. the watch was delivered on the XX/XX/XXXX. pay pal is holding the funds and refuses to release the funds. I provided tracking information in regards to the items delivery. please help
Product: Mortgage

I am veteran, I received my letter on XX/XX/XXXX of XXXX XXXX XXXX  XXXX. I was approved by my county effective XX/XX/XXXX, I am exempt of paying property taxes. I notified Chase immediately! After being bounced from department to department. Finally, I spoke to the correct department that said they would remove my taxes being collected to my escrow account effective XX/XX/XXXX. I am behind in my payments, thinking this would get me caught up. Today, I am still in the same boat. I called back in beginning of XXXX to check when they would stop collecting taxes from my monthly payment. They stated they didn't have a record ( they have recorded calls?? ) and that they would enter it in that day it would take 5 days. I called back today and they stated it would be effective XXXX payment. I don't have the income for them to keep playing with ME! The weird thing is that I made a payment in XXXX and it was only {$2500.00}, which was my monthly payment minus taxes. I am trying to pay {$2500.00} again they say you owe {$3400.00} and wont take anything less. I AM SO CONFUSED! I just want them to stop taking taxes, recalculate my payment so I can get caught up. This has made me stressed and distraught. This situation has set off my XXXX, I went to XXXX for the XXXX XXXX XXXX and that was easier to deal with than dealing with CHASE. I don't think I am asking too much! I just need someone to stop what their doing and pay attention. I don't have the money to wait to see if it is effective in XXXX they might take my house.
Product: Checking or savings account

Repeating overdraft and non Wells Fargo fees over XXXX $ in overdraft fees and then they closed my checking account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Experian for the account XXXX with XXXX XXXX  XXXX. Despite sending previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Experian : The account shows an erroneous 30-day late payment in XX/XX/year>, a 60-day late payment in XX/XX/year>, and a 90-day late payment in XX/XX/year>, despite all payments being timely and consistent. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, Experian, and XXXX reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute requests attached below. After most recent dispute was unfounded, I contacted MOHELA and was told there was a duplication of some sort made to my account and was assured this would be cleared up within the next business day. It has now been nearly two weeks since that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked all 3 bureaus to remove these unauthorized inquiries, XXXX  claims that they were not reporting but as I view my credit reports they are still reporting. There is 0 proof that I authorized any of these inquiries, the burden of proof lies on the bureaus, I demand that these bureaus remove these unauthorized inquires immediately! There are no accounts attached to any of the inquiries that are listed below ... 

XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX/XXXX  XXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against this company on XX/XX/2022, via XXXX  : this illegal company is posting signs unlawfully throughout XXXX XXXX XXXX XXXX XXXX ( on traffic signs and utility poles, etc. ) in violation of citywide regulations and municipal codes. I emailed the owner on innumerable occasions to cease and desist their illegal advertising. Moreover, on XX/XX/2022, I received a response through the California XXXX XXXX XXXX XXXX XXXX XXXX from the owner admitting guilt : I terminated our relationship with the company we hired to hang these signs for us. They were instructed more than once to not post these in the manner they have been hanging them. However, on XX/XX/2022, new bandit signs were affixed in the XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX. I have percipient witnesses that will testify these public nuisance signs were posted recently. About a month ago, these illegal signs were not posted in that area. The owner is deceitful to the core and systematically violating California state laws. It is a misdemeanor to advertise on public and private property without a permit. It gets worse, I filed several complaints and received a response from the owner via the Consumer Financial Protection Bureau, where he lied to a governmental entity stating he would stop breaking the law. Despite these valid complaints, he continues to advertise in this unlawful capacity.
Product: Money transfer, virtual currency, or money service

I placed an order for a tee shirt on XXXX XXXX on XX/XX/XXXX and I never received the product. I've since tried to cancel the transaction and request a refund but only to get an error screen. I contacted customer service and made complaints about the transaction over the years and the seller account. It's XXXX now and I have yet to be compensated for my loss and time or even contacted by XXXX. The total amount lost and not compensated is {$97.00} from XX/XX/XXXX. 
I feel I am owed interest for the holding of my funds and not honoring their refund policy.
Product: Vehicle loan or lease

On XXXX XXXX, I traded in my XXXX " XXXX '' valued at that time by XXXX being {$7000.00} for a XXXX XXXX XXXX leaving me in debt with PenFed of XXXX. After hiring a Power of Attorney and falling into financial hardship, I have discovered that I was manipulated, bamboozled, and hoodwinked and through fraud I was pressured into signing paperwork and doing something I would of not done if I was instructed properly.That 's if I knew the law, had an Attorney, or knew my rights as an American. I was legally incompetent at the time I signed the " Finance Agreement/Contract ' and didn't understand what I was doing. If I had realized what I was doing and as my Lawyer told me was not an " Infant '' when I traded my " XXXX '' I would of not wisely went {$20000.00} into debt. I fill I have been exploited, mistreated and manipulated into believing the deal for my XXXX XXXX XXXX would be a better deal. I want to renegotiate the Retail Installment Contract with my Power of Attorney, and I request a New Deal. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX is listed on my customer report it need to be removed immediately. 

I have supporting documents from XXXX  that they have agreed to delete this account. 

This is stopping my from buying a house for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that Experian sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Diversified Consultants has placed a collection account on my XXXX  and XXXX credit reports in the amount of {$540.00} in the year XX/XX/XXXX. Diversified just added this debt to my XXXX   report on XX/XX/XXXX I have never done business with Diversified. I have never received anything in the mail from Diversified stating that I owe this debt. I have sent letters to the three credit bureaus asking for verification of this debt. the credit bureaus have failed to comply with what the letters were asking. The credit bureaus sent me responses that they have verified the debt, but they have not sent proof of how they verified that this debt belong to me. XXXX states they will not reinvestigate the account. I am requesting that this debt be removed from my credit profile due to the bureaus not being in compliant with the letters I sent, and me not having any communication about this debt with Diversified. this debt is damaging to my credit.
Product: Checking or savings account

When my Husband passed away we had a joint account and I had a separate account, I took my documents there and they instructed me what to do, I went ahead and did so. Now Im received a letter and a XXXX dollars check say the account is not active and now its dormant which I didnt know anything about that account. This account is ending in XXXX. I had no idea about that account they told me what to do so I never use that account. They should have told me earlier they waited for XXXX yrs.
Product: Debt collection

I received a notification via XXXX XXXX that an account was reported to my credit bureau. It stated that I owed money to XXXX College for {$990.00}. I have never done business with this company. I called the debt collection agency that is handling this account to obtain information pertaining to this debt. This debt collection agency is named TEK Collect Inc, address XXXX  XXXX XXXX, XXXX, Oh. XXXX. A woman named XXXX answered the phone as " business office '' and not the company name which made me feel uncomfortable since I did not know if I had the right or wrong number. I had to make her give me the name by asking for it. I told her I needed information in regards to an account that they are trying to collect on. XXXX stated that she could only send the information and not tell me over the phone which is false. If she is asking for my information to validate that it is me in their file, she has to disclose the nature of the debt. I asked repeatedly what the charge is for and she could not tell me. She just kept saying that she could only send the information in the form of a letter. XXXX was also rude. She kept talking over me and at times would not let me finish my sentence. XXXX would not answer my basic questions such as what the debt is for, and if they purchased the account or if it was placed. After she could not explain to me what the debt was for, she transferred me to a supervisor even though I did not request to speak to one. The  supervisors name is XXXX XXXX. Mr. XXXX was also not able to explain to me what the debt is for and what the charges were from. I must have asked Mr. XXXX over 10 times what the debt was for and he would never answer my question. He only kept repeating to me that he could only send a letter. I told Mr. XXXX that he seemed to be dancing around my question by not giving me a solid answer. He told me that I was dancing around by not giving him my address even though I had given it to the first representative. I informed Mr. XXXX that since the company he works for answered my phone call as only " business office '' and that nobody could explain to me what the debt is for, I felt very uncomfortable giving any more information. Mr. XXXX talked over me on several occasions and could not give me any solid answers. I would like an investigation on TEK 's  collection tactics. I have a right as a consumer to know what debt, if any, I have with TEK 's collection agency. I have a right to know what the debt is for. I also felt threatened when XXXX and supervisor XXXX talked over me. I felt very uncomfortable and scared when this company did not specify what the debt is for and by not immediately providing me with the company name. I had to ask for it. Further more, I am seeking compensation for every violation this company made on my phone call to them. This includes but is not limited to, talking over me and not providing me with adequate information to validate this debt.
Product: Debt collection

I signed into a one year contract with a security system company because I knew I was moving in a year. I specifically told the salesman that. He refused to give me a copy of the contract. After a year of having the service and letting the company know that I would be moving and would not be renewing my contract with them they told me that I had signed  a 5 yr  contract. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on   XX/XX/XXXX    . I was contacted  XX/XX/XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.
Product: Credit reporting or other personal consumer reports

In accordance to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of innacurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be innacurate or incomplete or can not be verified, the consumer reporting agency shall- ( 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 that investigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is innacurate.