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

Im 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 balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

SPS I am requesting a complete breakdown of all fees and cost and any forced policy - A complete transaction history. 

Again SPS is not clear XXXX - SPS there were no options to deal with XXXX? 
I will have transaction history checked by a professional once received. Again SPS originally told me over the phone it was over by more than XXXX dollars and would not confirm amount with XXXX. However it is now being confirmed the amount was only XXXX - appears some game is going on at SPS. If SPS really wanted to assist me in keeping my home - an option would have been presented. 

SPS wrote : Denial of XXXX In your inquiry you state the amount to reinstate your account was below the XXXX amount of {$100000.00} when SPS denied you for the assistance. At the time the account was reviewed for XXXX the amount to reinstate the account was {$100000.00}. 

SPS received the assistance request regarding a principal reduction recast program from XXXX on XXXX XXXX, XXXX. The purpose of the XXXX recast assistance is to have funds applied to the principal balance of the account, resulting in a lowered monthly payment. Because the account exceeded the program allowable assistance, SPS is unable to proceed. The total amount is broken down as follows : Past due payments XXXX XXXX, XXXX to XXXX XXXX, XXXX {$91000.00} XXXX XXXX, XXXX payment {$3200.00} Loan Level Advances {$1600.00} Escrow Advance {$3900.00} Reinstatement Amount {$100000.00} I wrote : The income does not appear to be the challenge regarding modification option XXXX Tier XXXX. Appears SPS focus is on the EQUITY in my home. My family has stated indirectly and directly to SPS they can assist me finantially. No matter what my income is SPS will not assist because of Equity as was told to me today by XXXX and SPS representative - SPS just say that instead of making up income that I never gave you at no time. 

SPS is conveniently over by XXXX - to not except XXXX SPS seems surprised that after SPS denied assisting me XXXX approved me SPS told me to allow them to assist first and then SPS can receive additional funds from XXXX However XXXX confirmed yes a dual-program does exist however SPS should have not told you that as SPS is not signed up for that program at the moment- SPS can however currently they are not. 
SPS representative told me on the same day - SPS is concerned if they except XXXX funds I would not be able to make my payments. 
SPS statement do not show a breakdown of amount due I believe on purpose - when XXXX XXXX XXXX transferred the loan my statements had a breakdown of fees in XXXX. 

If SPS states its because of the bankruptcy - SPS should stop reporting to all XXXX credit bureaus every month impacting my credit. 

SPS statements originally had a breakdown - and then nothing. I have no way of tracking alleged total due. 

Also I requested the investor ADDRESS - not SPS address the alleged servicer - whom appear to have more involvement that disclosing.
Product: Vehicle loan or lease

Ally Financial incorrectly reported to the credit bureaus that my XX/XX/2022 payment was late ( it was not ) and then reported the balance of my loan ( XXXX left on a {$27000.00} loan ) delinquent. This is destroying my credit.
Product: Vehicle loan or lease

I purchased a vehicle through wells fargo, Over the last couple of years I have received checks for small amounts with apologies saying they overbilled. One point I had a repossession on a very low amount. which I had to pay a larger amount to get car back. Car is paid off, but I am inquiring about said damages awarded through the court settlement recently. Thank you, XXXX XXXX
Product: Student loan

Earnest, my student loan company, mistakenly took money from my bank account while i was in forbearance. i am now left with -XXXX and the quickest they can refund the money is 1-2 weeks - thats with it being expedited. This is criminal and has left me with no money for two week. They need to be held responsible for the kind of stress this has put on me and my family. I have attached an email of the latest correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, XXXX XXXXXXXX, and Experian does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are showing a XXXXXXXX XXXX Bankruptcy on my credit report. The XXXX XXXX Bankruptcy should be removed from my credit report because it's been discharged since XX/XX/XXXX  which was 13 years ago. 

XXXX XXXX Bankruptcy reference number XXXX filed XX/XX/XXXX  and discharged XX/XX/
Product: Debt collection

I received a debt collection letter by convergent outsourcing on behalf of XXXX XXXX stating that I'm in debt of {$240.00} in which I knew nothing about or have a current service with this company. I'm getting threatening letters about submitting me to the credit collections potentially messing up my credit for something I know nothing about. I've contacted them but never get an answer and wanted more details about what's going on.
Product: Mortgage

I am the successor of interest in my late father 's refinance w/Wells Fargo 's  Home Mtg. I reinstated the amount due : {$18000.00} wired to WF on XX/XX/2019. I asked over & over exactly how much was needed to reinstate the loan which was the above amt. After that date, I received letters from WF asking for another {$1900.00}. I keep asking what is the amt for? WF is vague & replys, " attorney fees ''. I want the exact breakdown of the fees because their Attys. XXXX, XXXX, XXXX, XXXX were pd over {$3000.00} included in the {$18000.00}. I called XXXX 3x 's, left messages, emailed them & they will not respond. The extra amount of {$1900.00} is supposedly for their attys & that fee has a date of XX/XX/2019. I pd WF on XX/XX/2019. I want the actual breakdown of all of the fees involved in hard copy & mailed to me. So far only delays from WF & still nothing from their attys. Also, the refi is a fixed refi of 6.37 % & the monthly payment is {$510.00}. I keep asking WF why the monthly interest is so ridiculous. The payment is due on the XXXX of each mo. & it doesn't matter if I pay the amt 2 wks before, WF will take only {$70.00} towards the principle. This makes no sense? Please, contact WF & their attys. The atty 's number is on an attached PDF. WF 's contact person is XXXX XXXX Sr. VP. Tel. # XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Thank you.
Product: Debt collection

I noticed on XXXX XXXX that the National Credit System , Inc posted that I owe XXXX XXXX XXXX  XXXX dollars for either a utility bill or rent. I told the debt collection agency numerous times that I never lived over there but I did apply for housing apartment back in 2016 yet they denied me so therefore someone in that apartment office kept my personal information on file to use it for someone else. It seems like I am not getting any help yet people want me to pay something that I didn't actually do so to avoid this going to a courthouse, I suggest this is taken off of my credit for fraudulent because I can't even give an address nor an apartment unit for that place since I supposedly lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information regarding

Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Experian provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If Experain is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer
Product: Debt collection

In XX/XX/XXXX there was an account opened at speedy Cash in XXXX XXXX which to my knowledge I was unaware of it. Because at that time I was in federal law-enforcement training centers for my XXXX XXXX XXXX XXXX. Throughout the past years up until present day I have made several times to contact speedy cash and let them know that Im not responsible for the debt collection of {$300.00} because I never was there to take it out so I claim no responsibility. I have made several attempts with credit bureaus like XXXX XXXX XXXX and XXXX to dispute the collection and nothing has happened yet there was no action taken by the credit bureaus except just a statement that was added. I am reaching out as of today XX/XX/XXXX to close this collection because I believe this is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below, as I am a victim of a recent data breach and subsequent identity theft.

Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2 ( a ), I am exercising my rights to have these unauthorized accounts and inquiries removed from my credit file. 
Fraudulent Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XXXX I was wrongfully evicted from an apartment complex. I was told my deposit was forfeited ( {$1500.00} ) and will not be applied towards my owed balance ( {$2700.00} ). When Professional Debt Mediation bought my file they sent me a summary of what was sent to them in reference to what I owed. Upon reviewing I noticed that the itemized list did not add up, unless there were missing items from the list. At the time I had no idea how to dispute this and fighting homelessness. More recently, I discovered that I may file a dispute because of the mathematical errors on itemized list so I did and was to by the credit reporting agency to reach out to Professional Debt Mediation to possibly get a resolution. I reached out to company with itemized list in hand to go over, and the representative was having trouble explaining how the numbers added up to the total ; and she definitely tried. When I told her that they should accept lesser amount due to the misinformation, that representative then allowed me to know that I could be sued for not taking care of this. Also they have added this to my credit report again ( XXXX ) since it was supposed to drop off in XXXX. I made an honest attempt to settle, because there may be some money owed, however it is not what was stipulated on the itemized list that is being used to determine my debt. They are charging almost {$3000.00} for an apartment that had no holes in the walls or any interruption of the foundation what-so-ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am investigating a fraudulent account on my Equifax credit report the account is listed under XXXX XXXX Acct # XXXX Equifax has claimed they investigated this on my behalf and have come back that the account is verified and accurate. Today XX/XX/19 I spoke with the company using the number provided and was told that they do not have record of this account in their system at all. I want to know how did Equifax verify this debt if the company itself can not verify it cause it does not exist.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Student loan

On XX/XX/year> I applied for payment reduction ( I am XXXX years old XXXX XXXX XXXX ), each month I call they indicated they have a back log and unable to process. I completed application on Student Aid and submitted proof of income- I continue to be dismissed. 
I need help please
Product: Debt collection

I am demanding immediately deletion of this inaccurate account, reporting to my credit profile pursuant to section 15 US C of my fair credit reporting act I have not obtained or gained any goods or services from this fraudulent account I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I have diligently followed the established dispute process, submitting detailed letters and supporting documentation to substantiate the inaccuracies in reporting. However, despite these efforts, the charge-off accounts remain unchanged on my credit report.

I would like to bring to your attention the following concerns : Despite multiple attempts, there has been no resolution to remove the inaccurate charge-off accounts from my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy of the information they report.

The presence of these inaccuracies has significantly impacted my credit score, making it difficult for me to secure favorable interest rates on loans and obtain credit when needed. This situation is unjust and undermines the purpose of credit reporting, which is meant to provide an accurate reflection of a consumer 's creditworthiness. 

It appears that the credit bureau has not thoroughly investigated my disputes, as the erroneous information remains on my credit report. I request a detailed and comprehensive investigation into these matters as mandated by the FCRA. 

I kindly request your immediate attention to this matter and a prompt resolution to remove the inaccurate charge-off accounts from my credit report. If necessary, please provide information on the steps being taken to investigate and correct this issue. 

I expect a written response within 30 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Failure to address this issue within the specified timeframe will compel me to escalate this matter further through legal channels. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Owed : {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXXXXXX/Equifax ) has violated my rights . 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On two different occasions the day after I received my deposit from the government someone went and pulled out the remaining money that was on my card outside from the automatic bill payments which usually leaves me around XXXX to XXXX dollars from two different banks and not the normal bank I go every month to withdraw funds
Product: Debt collection

I signed a repayment agreement with Direct Loans in 2011 not Aidvantage. I did not sign an agreement with Aidvantage to repay any money. I have also submitted a 1099C to the IRS for cancellation of this debt. It was accepted and processed and have been repaid again. I also have rescinded this original Repayment Plan. So I do not owe Direct Loans nor dur I owe Aidvantage. Aidvantage/Maximus needs to provide me with a debt validation from AidVantage/Maximus showing that I owe them money. Need to provide me with an agreement between AidVantage or Maximus verification that I owe AidVantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems except  one. I ha ve and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of the companies today. I voiced my concerns. Number one, the person on the ph one was unquilified and unable to help me get to the bottom of my complaint. N umber two, I asked to speak to a supervisor but was refused. The refusal, I bilieve, was because th e person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
Product: Mortgage

Complaint about XXXX XXXX with CROSS COUNTRY MORTGAGE I am XXXX  XXXX  from the XXXX. With housebound status I also incur quite a bit of approved out of pocket medical expenses. 

These medical expenses deductions, which I have documentation for, would have qualified me for the income limits that most of additional down payment assistances required. These are programs that I deserve as a XXXX  XXXX  and permanently and totally XXXX XXXX. 

XXXX XXXX did no XXXX  to assist. The context of my XXXX were completely brushed over and completely neglected. 

I remained polite throughout the loan application process, and repeatedly tried to assert that these deductions are legitimate and consequential to my mortgage options. My attempts with him made no effects, which is why I am writing this complaint. 

I am not sure what motivated him to discriminate my XXXX  conditions and the real impact it has on my life.
Product: Mortgage

To Whom It May Concern, On XX/XX/XXXX, XXXX XXXX   switched their back office company from Loan Care LLC to XXXX XXXX XXXX XXXX. My mortgage was being paid bi-monthly through XXXX XXXX XXXX was supposed to cancel their payments to Loan Care ( they did forward XX/XX/XXXXand XX/XX/XXXX payments to XXXX. ) I established a new XXXX XXXX to XXXX XXXX. XXXX never canceled the first account. I noticed the double payments in about XX/XX/XXXX or XX/XX/XXXX. I started calling XXXX, Loan Care and XXXX trying to locate the excess money. All three companies denied having my money and XXXX  denied withdrawing it. I called my Financial company XXXX XXXX   and they told me I had to stop the company making the withdrawals. I was stuck fighting 4 large financial institutions who were not helping me. I eventually got XXXX  to stop the withdrawals ( I lied and claimed fraud. ) I finally spoke to a helpful gentleman at XXXX and he sent me printouts showing XXXX   forwarding payments to Loan Care. On XX/XX/XXXXI sent a registered letter to them ( received XX/XX/XXXX ) explaining the situation and showing the proof from XXXX. I asked for them to either return the money ( now {$23000.00} ) to me or show me proof of the money being forwarded to XXXX XXXX.

OnXX/XX/XXXX, I spoke to XXXX  (? ) who told me they never received the letter despite my proof from the Post office. I sent the letter, XXXX   printout and proof of delivery by email and I received a response email confirming receipt and issuing a ticket number XXXX. I again waited for a response.

OnXX/XX/XXXX I received an email requesting proof from XXXX XXXX This is despite the fact that I sent that info registered mail XX/XX/XXXX and emailed it again on XX/XX/XXXX with a confirmation email receipt. I sent it again and awaited a response.

On or around XX/XX/XXXX, I spoke to XXXX who seemed sympathetic and claimed to be working with a manager. I begged her to call me by XX/XX/XXXX and at least give me an update if not the answer. Of course she hasn't called me back yet.

On XX/XX/XXXX, I spoke to XXXX XXXX   who claimed to be a supervisor. Again, I begged her to call me by XX/XX/XXXX to at least give me an update and keep me in the loop. She never called even when I left messages on her personal number.

On XX/XX/XXXX I sent a letter to the CEO XXXX XXXX  overnight which was received XX/XX/XXXX. Again I begged him to please have someone contact me before I took regulatory as well as legal action. To this date, which is almost 5 months later, no one has responded to my issues. My understanding was they had 30 days to respond.
Product: Debt collection

I XXXX XXXX, the consumer sent an Affidavit of Truth to Ascendium Ed Solutions on XX/XX/2021, to validate an alleged obligation. I have no knowledge of it and never received notice. Ascendium Ed Solutions never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.