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

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 

However, due to delayed posting of charges and credits, was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 & XXXX XXXX two accounts was opened up in my name.. In the amount of {$500.00} ... The account is a fraudulent! Ive tried to speak with different level of supervisors about the fraudulent account and I was told that they are not going to assist me! I have submitted paperwork from the police department concerning my case
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX and Transunion to look into my credit report fornaccuricies that pertained to my XXXX XXXX acct and they verified whatever information they had in the system. I was not satisfied with the result so I reached out to the company and requested the information that they were verifying. To my surprise i found that the amount that the 3 bureaus verified is {$16000.00}. The information I was supplied with from XXXX XXXX reflected {$13000.00}. 

XXXX and Transunion has addresses that i do not recognize. I would like the record to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or do you need to remove these unverified late payment XXXX - Account XXXX My parent has the same name as me. 

XXXX XXXXXXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or do you need to remove these unverified late payment XXXX XXXXXXXX XXXX XXXX Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting.
Product: Mortgage

Request Home Modification itemization of charges to justify loan of {$730000.00} from current service provider Mr.Cooper. I was told by XXXX representive is that a breakdown of charges would be sent to me, and I never received it. when original loan amount was {$520000.00}. Request itemization charges for additional loan amount of {$220000.00} added to my original loan. My current service provider Mr.Cooper do not have itemization of charges from the modification on loan and transferred paperwork from previous provider XXXX shows loan was {$560000.00} when transferred to Mr.Cooper. XXXX and Hope counselor do not have itemization of loan modification either.
Product: Mortgage

I send all my documents for the hardship for my mortgage loan account number XXXX to Selene Finance customer service Those documents are bank statements of last 3 months in XX/XX/XXXX, my income taxes, my divorce settlement and sign and return my borrower assistance those documents was sent trough e-mail to their customer service Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Product: Credit card or prepaid card

I never wanted this credit card to begin with but the Sales Person made such a hard sale about signing up and how easy it was. I completed the application with Banana Republic and received a credit card with a {$500.00} limit. I used the card three, maybe four times, I always paid my account in full. I havent used the card in five months and out of the blue I get a letter from them closing my account!!! My credit score is BETTER than it was when I applied for the card, now I have a negative notation on my credit report because they closed the account. They shouldnt be allowed to impact my credit score because they decide to close my account. I never wanted the card to begin with AND by extension I wont be shopping at Banana Republic anytime soon. If Gap thinks doing business with Synchorny is great, they can keep all their rotten business!
Product: Mortgage

I have not been able to get CMG mortgage to credit my account or adjust my payment. 

My payment was changed without consent and I am attaching Proof of what my Taxes are and how much in Escrow I have Paid. 

I have requested that My escrows be removed from my Monthly payment and have been giving the run around Why am I paying {$850.00} a XXXX  for escrows on a XXXX tax bill of under {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos

disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA 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, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous 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 FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any 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. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them.     I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong.   It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably  XXXX ,  XXXX  dollars on this loan but only  XXXX  have come off of the note.     Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted.     The date of this call is  XXXX   XXXX   2017 .
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDXXXX XXXX DEPT OF EDUCATION/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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Consumer Loan

There seems to be an extraordinarily confusing relationship between three separate companies. They are PayPal, PayPal credit which was formerly Billmelater, and a third instrument which I now have which is Prepaid Paypal Mastercard. The point of primary confusion, I believe, is entirely intentional. As one jumps from webpage to webpage, sometimes the word " payment " is used in reference to what is owed to PayPal credit, and then immediately following payment refers to money being paid to the people from whom one is making a purchase. What happens, of course, is that the consumer assumes that a payment has been made to the store but in fact PayPal has withdrawn the money from the consumer 's own bank account and then after having left the consumer with a negative balance, pays the shop. The incredibly confusing website process shuttles between PayPal, PayPal credit, PayPal prepaid Mastercard, ahnd every other PayPal site, leaves one in tears.
Product: Debt collection

I contacted company on XX/XX/XXXX to inquire on the medical collection listed on my credit reports. I am unaware of this debt, have not been previously contacted by debt collector. Have contacted original creditor, who has stated I was not admitted or sought services on the dates listed on my reports, either date of service, or date assigned. I have an in-law with a very similar name ( last 4 letters of first name are exactly the same ), and feel this has ended up on my report. They constantly kept asking for my Social Security number of which I would not disclose, they asked for my date of birth which I would not disclose. Then they asked for the last 4 digits, of which I still would not disclose. I gave them my name ( not at all common ) and the amount stated that is reporting. They insisted they needed Social Security number and Date of birth, to me is asking for identity fraud reporting. I requested removal from my reports, or medical disclosure to how they have obtained as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

In XX/XX/XXXX, we requested a forbearance. In XX/XX/XXXX, we started paperwork to reinstate our loan. We were denied a loan modification but received paperwork for a Partial Claim. We returned the paperwork, signed and notarized, by XXXX XXXX XXXX was received and signed for 2 days before the due date. Approximately 45 days later, we had not received notification regarding the claim. The phone rep told us they did not have the claim in their system and we were denied. I emailed a copy of the original document which was XXXX XXXX XXXXXXXX and a copy of the proof of receipt from XXXX XXXX with the signers name and time of delivery. We've called XXXX times per month since XXXX. None of the reps have been able to give us a straight answer, and can only take payments and " put notes in the system ''. They can not transfer us to a manager or someone who can help us fix this situation. We have made our regular mortgage payments since XXXX, but they are not going toward our mortgage, they are sitting in an unapplied funds account. We've called and emailed numerous times, but haven't been given any options as to how we can get our loan back on track or how we can re-submit our Partial Claim paperwork. We're just sitting in limbo with no one to help us.
Product: Credit reporting or other personal consumer reports

Hi there, I recently reviewed my credit report ( XXXX / Equifax / XXXX ) and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XXXX ). I'm now requesting you investigate this account and update these payments to paid on time status immediately. Thank you in advance for your understanding and prompt action.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and 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

Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : XXXX. XXXX Account XXXX : XXXX XXXX : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

XXXX. XXXX XXXXXXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

XXXX. XXXX  XXXX # XXXX Account XXXX : XXXX XXXX : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account XXXX : XXXX Status : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income.

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections.

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account XXXX XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Product: Student loan

I graduated in XX/XX/XXXX with XXXX degree. Began paying on loans 6 months later when into repayment status. Entered school again in XX/XX/XXXX or XX/XX/XXXX..XXXX loans into deferment. Obtain more loans for XXXX school. Graduated in XX/XX/XXXX. Started repaying loans in XX/XX/XXXX. Have been in repayment status since then. Now it is XX/XX/XXXX. All of my loans still have basically the same principal balance if not more than started. I noticed this when my loans were sold from ACS education to XXXX. The loans were also listed in forbearance status and were not listed as repayment status until XX/XX/XXXX - which is incorrect! I have paid the whole time and never requested forbearance. I contacted ombudsman. Initial person could not get a response from ACS. My account was transferred to another person and they quickly closed the case and said the info on studentaid.gov was incorrect. I think my payments were incorrectly applied to my loan accounts. How can I have paid for over 10 years on a XXXX loan and now owe over XXXX?? Someone please please help me! 
AND my name is spelled incorrectly on the studentaid.gov. I 'm not even sure these are my correct loans or what has happened. All I know is after paying on loans for 12 years the principle should be lower then the dispersed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The listed account below has violated my federally protected right to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states a consumer agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681-2 ( A ) ( 10 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: Debt collection

CMRE Financial Services ( XXXX ) reported to XXXX a debt of {$350.00} which is not mine. I called and gave my date of birth, which they said does n't match the original medical bill but they demand my XXXX, drivers license, and other documents to correct. 
I feel this is not XXXX or XXXX XXXX, and it is THEIR duty to remove such libelous report knowing it is not my debt. I offered to at most provide a redacted copy of my driver 's license. I plan to sue them if they do n't remove the erroneous report.