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

An overdraft fee charged to my business checking account in the amount of {$240.00} was taken out of the account on XX/XX/XXXX. At the time the balance in the account was {$2400.00}. On XX/XX/XXXX the account had a negative balance which was rectified in under XXXX hours. I have had overdraft fees in the past of {$35.00}. I contacted the bank assuming this was a mistake. The branch manager said it was not a mistake and the funds would not be replaced because it was not a bank error. I contacted XXXX XXXX, XXXX, SXXXX XXXX XXXX, First National Bank XXXX, XXXX XXXX  XXXX, XXXX, PA XXXX, XXXX @ XXXX XXXX XXXX on XX/XX/XXXX requesting that the funds be replaced back in the account. On XX/XX/XXXX I received the following response : Your available balance to pay items on XX/XX/XXXX, was {$350.00}, because of XXXX deposits totaling {$540.00} and XXXX pending debits totaling {$570.00}. From your available balance, your account was presented with XXXX item ( XXXX ) totaling {$1500.00}, which posted to your account leaving a negative balance of {$1100.00}. The OD fees assessed to your account on XX/XX/XXXX, totaling {$240.00}, were caused by the following transaction amounts : {$500.00}, {$330.00}, {$200.00}, {$100.00}, {$59.00}, {$8.00}, and {$7.00} ... Because the OD fees assessed to your account on XX/XX/XXXX, were not a result of bank error, they will not be refunded. 


This amount charged for for what amounted to a less that XXXX hour overdraft is excessive and disproportionate to the transaction amount and puts a financial burden on the consumer. It is my understanding that The CFPB requires financial institutions to limit overdraft fees to the cost of their losses and fees, or to cap them at {$5.00}. The overdraft fee was neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 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 an 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Mortgage

I am having a problem with my mortgage servicer, PHH Mortgage Services. I am U.S. military, and in XX/XX/2019 I set up a payroll allotment via myPay to pay my mortgage every month. XXXX XXXX XXXX XXXX ( XXXX ) ( in XXXX ) sends out payments of {$1500.00} in my behalf on the first day of each month. Until now, PHH has  been receiving my payments OK, although a few months ago they called me and said one of my payments was late. This month, however, they called me ( on XX/XX/19 ), said they hadn't received my XX/XX/XXXX payment, and said they were adding a {$37.00} late fee onto my bill. This is the first time they have ever demanded a late fee. I called PHH again on XX/XX/19, and they again denied receiving my XX/XX/XXXX payment in the amount of {$1500.00}. This money is missing. I went to my local finance office and had them put a trace on the funds.
Product: Vehicle loan or lease

We purchased a car from XXXX of XXXX and financed it through Bank of America. After 45 days we had not received any info on the loan. We called Bank of America and discovered they were sending all our info to our old address that we have not been in for over 2 years and is in a different state. When we told them, they said it was our fault for giving the wrong address, which we did not. Then they blamed XXXX of XXXX. After calling XXXX of XXXX we confirmed that our loan application never listed our previous address. This is Bank of America not taking responsibility for their mistake. Their resolution was to send all the info to the right address but they would not extend our due date. They would not overnight it or email it so I could take care of it quicker. Then at the end of the call when she was going to give me the confirmation #, we were disconnected and she did not call back.
Product: Mortgage

In late XXXX, my mortgage was unilaterally sold by XXXX XXXX XXXX to Carrington Mortgage Services. I received a bill for my payment due in XXXX XXXX. Today is XXXX XXXX, XXXX and I have not received a XXXX bill. I called Carrington to ask why. They said that its because there is a bankruptcy " on my account '' and I have to write them a letter requesting to get bills before they can send. The bankruptcy was my wife 's ( she 's on the loan, too ) and was from XXXX. We 've never missed or been late on a mortgage payment in over 5 years. So, let me get this straight? I was paying my bills on time and XXXX bank sold my loan to another bank without my consent. And now, if I want to receive a bill to know what 's going on with my loan, I have to write a letter? That 's ridiculous. Carrington 's supervisor told me that the bankruptcy law had changed and this was required, but when I asked for a citation she could not provide XXXX. So, I asked her to send me a request in writing stating that to get bills I would have to write a letter due to the law requiring it. She refused. This was " XXXX, '' a supervisor. I do n't know what this is about but I 've been doing research and can not find any law requiring such a letter. I just want to get a bill so I can pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Services Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately
Product: Credit reporting or other personal consumer reports

The collection agency was sent a certified letter requesting validation of charges. The company has not provided this. I also I requested validation of the the charged with TransUnion and XXXX. Neither provide documents of validation, details and specifics of charges and date allegedly received, insurance documents for any products or services filed and documents disclosing insurance payments in detail. Transunion and XXXX replied that they validated the charges, yet did not provide me with copies of what they used to validate. They simply said thye were validated.
Product: Debt collection

Cease and Desist, Removal of Negative Item from Credit Report Dear LVNV Funding LLC, I am writing to demand that you immediately cease and desist all communication with me and remove the negative item related to your company from my credit report.

You have failed to obtain my permission to contact me through any medium, including my credit report, violating 15 USC 1692c. Furthermore, your actions constitute false or misleading representations, violating 15 USC 1692e.

Specifically, LVNV Funding LLC has : 1. Reported inaccurate information to the credit reporting agencies, falsely implying I owe a debt.

2. Failed to provide verification of the alleged debt.

3. Made false representations regarding the amount or status of the debt.

These actions violate 15 USC 1692e, which prohibits debt collectors from making false or misleading representations, including. any false representation or implication that any individual is obligated to pay any debt or any amount thereof. '' Additionally, your actions fall under 15 USC 1692a ( 2 ) 's definition of communication, which includes reporting information to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, or personal loan

my wife and i hade some home remodeling completed thru XXXX XXXX of XXXX pa. we met with the sales rep -XXXX  XXXX who informed us abut a loan with 0 % finance charge. essentially he proposed a job which cost XXXX and infront of myself and my wife said its 0 % so your payment would be XXXX we could not afford tat so we had a revised/adendum to reflect less work so a smaller charge of XXXX again XXXX came to the house and said alright now at 0 % for 60 months your payment would be XXXX. Now i get a bill from Green sky Financial charging {$120.00} far from the {$100.00} that was quoted. i called green sky and was informed there is a finance rate of 1.66 % thats why the bill is more. 

I contacted XXXX XXXX and explained this is misleading at the very least and definitely a training issue. after talking to XXXX the manager I found out they also over charged me. this entre practice was deceitful and Green Sky financial was of no assstance. The seem to be predoratory lending with all parties envolved.
Product: Checking or savings account

On XX/XX/XXXX via Juno Financials XXXX XXXX XXXXXXXX online complaint form I submitted a formal request to XXXX under Notice of Error Under Regulation E ( 12 CFR 1005.11 ) as to the transaction history of my missing {$43000.00} from Juno XXXX and Synapse Brokerage. 

On XX/XX/XXXX I received a reply from XXXX stating : " Dear User, This is to acknowledge that your complaint has been received. Our compliance officer will investigate the issue and provide a resolution within 15 days. We will reach out to you in case further information is required from your end. '' This did not follow the 10 business days as stated Under Regulation E, however I waited the 15 days. On the the XXXX Day, XX/XX/XXXX I emailed them asking for an update, and warning them I would file a formal complaint to the CFPB if they did not reply. They have not replied. 

This is what I emailed XXXX on XX/XX/XXXX : " Hello Team Juno, It has been 15 days now and I still have not received a response besides your acknowledgement of receipt. If I do not receive a response by end of day tomorrow I will be forced to escalate this with the CFPB. 

As a reminder of what I have formally requested under Notice of Error Under Regulation E ( 12 CFR 1005.11 ).

Documentation and Follow-Up If the investigation concludes no error occurred, I formally request access to all documents and evidence used in your determination, as permitted under 12 CFR 1005.11 ( d ) ( 1 ). I also request a detailed account of the steps Juno Financial has taken to investigate this matter, including but not limited to : Records reviewed within Juno XXXX 's systems. 
Attempts to retrieve data from Synapse and records reviewed from XXXX. 
Evidence of coordination with other partner banks ( e.g., XXXX Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX that may have been involved in handling these funds, as evidenced by Evolve Banks XX/XX/XXXX Reconciliation Update showing screenshots of XXXX transfers to other partner banks. 
A timeline of all investigative steps taken to resolve this matter. 
Failure to provide this information would indicate a lack of transparency and diligence in the investigation. 

Escalation and Potential Penalties Should Juno XXXX fail to comply with its obligations under Regulation XXXX, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and request a formal investigation. Non-compliance may result in significant regulatory penalties, including fines of up to {$5000.00} per day for violations, or higher for reckless or knowing violations. Additionally, I reserve the right to seek statutory damages, including up to {$1000.00} per violation, and to request a regulatory investigation into this matter. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

Best, XXXX XXXX ''
Product: Debt collection

Signed up for XXXX XXXX XXXX service on XXXX/XXXX/15, activated account on XXXX/XXXX/15. Cancelled my service on XXXX/XXXX/15 after receiving XXXX bill with a service I did not agree to. Cancellation was approved by their retention center ( after buyers remorse period ) due to the misrepresentation of the service agreement and assured me no balance will be owed once the device was received by their warehouse. I returned the device on XXXX/XXXX/15 using their provided return label by a third party shipping service Newgisitics via XXXX. I called back to check on the status of the return of the device more then XXXX different times, XXXX XXXX XXXX reps responded that the tracking could not be located to " call back ''. Finally on my XXXX attempt on XXXX/XXXX/15, over a little 30 days from the cancellation date of XXXX/XXXX/15 I was recommended to open a " case ticket '' to track and locate the device. I was assured by the rep at this time, that the account would be suppressed due to this issue and that no collections would be attempted. On XXXX/XXXX/15 I began to receive daily calls by a XXXX number with no message left, I finally decided to call back on XXXX/XXXX/15 and it was GateStone, a third party collection agency hired by XXXX XXXX XXXX XXXX collect a debt. I notified them about the " case '' of the missing device and the Gate stone rep was kind enough to suppress the account till XXXX XXXX XXXX recalls the debt from them which I was told could be done immediately. I then called back XXXX XXXX XXXX on XXXX/XXXX/15 livid at the situation as they assured my account is suppressed till case had been cleared. I was told I would get a call back about the situation. After a few days and no call, I called XXXX XXXX XXXX back on XXXX/XXXX/15. The XXXX XXXX XXXX rep reviewed notes and stated the " case by investigation team '' noted the account on XXXX/XXXX/15 that the phone was located in their warehouse on XXXX/XXXX/15 and that a full credit and refund would be administered in XXXX billing cycles. Yet, they could not recall my account from a third party due to closing and paying out my account to the third party collection agency and now the debt is owed to Gatestone. I conferenced Gatestone and the At XXXX XXXX rep to relay the status on the account that a refund will be placed, account is now at zero but the payment must still be made to them direct from me. YET, after having reported the device was received and in good working condition, they still sent my account to a third party collection agency. I do n't understand why XXXX XXXX XXXX refuses to recall the account from the collection agency rather have me pay them direct for a debt I I never owed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCT # XXXX I demand the following accounts be verified or removed immediately.
Product: Credit card or prepaid card

Despite the fact we are inside an epidemic of covid19 and we are struggling with bills, I actually came into some money. I decided to use that money to pay down my credit card debt. Between XX/XX/XXXX and XX/XX/XXXX of this year I paid chase {$5500.00} towards my credit card debt. I paid in several payments because I was waiting for the check I had been given to clear. 

Today, XX/XX/2020 I tried to use my card to buy a {$5.00} meal and it was declined. I called Chase and at first they told me it was fraud. Then they told me they had decreased my credit limit for failure to pay. I told them I had paid. I logged on to my online account and noted that I had paid on XX/XX/XXXX, the XXXX being my due date. I noted they applied incorrectly a late fee when I paid on the due date. 

They then told me they had decreased my credit limit and had no available credit. I asked them how when I had made all payments on time, had always paid more than the minimum and had just in fact paid MUCH MORE they thought they could do that. I also asked them how much they decreased it by. They said {$5500.00}! They decreased my credit limit by what I had just paid to pay it off ... 

I then said that I had available credit before I made those payments so how could I be " over the limit ''. THEY HUNG UP ON ME .... 

Clearly, they think that they can damage my credit score and keep me a " credit care XXXX  '' by reducing my credit limit by the amount I just paid off. I believe this is fraud.