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

I am writing to file a complaint against Nave Federal Credit Union regarding multiple overdraft fees i have occurred Despite having sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credit these issues align with the recent CFPB finding against nave Federal for similar practices where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I am a business credit card account holder with Chase Credit Cards. There was an agreement with a company called XXXX in which they were supposed to furnish me with QUALIFIED leads for my business. We handled business over the phone. I made great emphasis in the fact that these leads needed to be approved by XXXX and my XXXX, they told me repeatedly that they were. One of the features of the service was that I would be able to use a very specific booklet along with the leads provided, along with the leads, they are suppose to provide all information needed so a consumer can make an educated transaction. 
After taking this booklets and leads to my XXXX XXXX, I learned that not only these leads were not approved, the booklets were not XXXX approved. I immediately tried getting in touch with the company several times without much success. 
XXXX finally got back to me on XX/XX/XXXX and they claimed that they can't do anything to help me as they have no " sway '' with my compliance department. Since then, they stopped responding despite several attempts to get in touch. 
On XX/XX/XXXX, I made a call to Chase to report what had happened. They started the claim process and claimed that will get back to me once the issue is resolved. On or around XX/XX/XXXX I received a phone call from Chase claiming that XXXX had answered to the claim and that they have provided a signed contract which was odd because all communication with them was over the phone. They sent me the contract I supposedly signed via mail and after a brief inspection I found out the area were my signature goes was an odd looking scribble. I immediately went back to Chase and explained the situation and they asked me for my IDs along with other documentation that can show my signature ; which was sent to Chase on XX/XX/XXXX. 
After phone confirmation of receipt of the email, I traveled over seas for less than 3 weeks. Upon my return, I followed up with Chase twice over the phone and they confirmed that the documentation was being reviewed and they will get back to me. 
Finally, sometime on XXXX I notice that the temporary credit they placed on my account was gone. I called Chase to inquire about the result of the investigation and they claimed that the time frame in which I was allowed to make a claim had passed and they can't do anything else for me.
Product: Mortgage

My Mortgage  was transferred to the Ditech Mortgage   Company some years ago. 
I have never been late on my Mortgage Payment with this company or the previous Mortgage Company, I applied and received a HAMP Mortgage Program. 
On XX/XX/2018 I received letter from Ditech asking me to fill out the Dodd-Frank Certification Form  ( Form 720 ) which my wife and I filled out, signed and sent by certified mail to Ditech Financial LLC, Attn Loss Mitigation Admin XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX, XXXX, AZ XXXX and for good measure we also faxed the forms to them. 
The Forms said that Ditech would apply a one time pay for performance principle balance reduction payment in the amount of {$5000.00} which would reduce the principal. 
We have not received this reduction. 
I know that Ditech has recently applied for Chapter XXXX but that should not effect the Dodd-Frank Bill. 

I am XXXX years old and need help on this matter. 
Thank You Very Much for Your Time.
Product: Debt collection

This account was previously deleted from all credit reports and was recently re-inserted. Credit Collections USA refused to verify the account belonged to me. This account is being re-aged. The changed the date of first delinquency which was originally XXXX
Product: Debt collection

This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Payday loan, title loan, or personal loan

at XXXX on XX/XX/2022, a man called me saying he was from a loan company called Freedom Plus and said I was approved for a loan, he asked for my banking information such as my account and routing number, my bank account login and password, my social security number, and he had my personal information such as where I live. He told me he was going to send me a loan of XXXX in 1-2 hours but first he would send me {$500.00} and I would have to cash app it back to him and then he would deposit the XXXX into my account. He said I would then receive the loan documents through my email and I would have to sign the documents and send them back. Once he mentioned XXXX XXXX I was alarmed so after the call ended I XXXX searched the company and called the number and they said that it wasnt true and it was a scam and to call my bank immediately and talk to them.
Product: Checking or savings account

On XX/XX/2024, I got an XXXX  charge for XXXX On XX/XX/2024, I got another XXXX charge for XXXX on XX/XX/2024, I got another XXXX  charge for XXXX On XX/XX/2024, I got another XXXX charge for XXXX A total of XXXX. I called XXXX and my bank about this fraudulent transaction, and they denied my claim even though XXXX said they would credit my account back and close the account from which those transactions came. 

Regrettably, Bank of America has not been helpful in this matter. Despite my repeated attempts, they have simply denied all these claims, leaving me frustrated and in need of a resolution. 

I need to get that money refunded to my account from XXXX and Bank Of America. These big companies go after low-income families and don't care about these issues. 

I would like Bank of America to honor the following statement The FDIC provides deposit insurance to protect your money in the event of a bank failure. Your deposits are automatically insured to at least {$250000.00} at each FDIC-insured bank.
Product: Credit reporting

On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX, previously XXXX owned our mortgage loan. In XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX Also the taxlien has been paid and its not being reported as such.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally request the blocking and deletion of certain hard inquiries listed below from my credit report, as I am a victim of a recent data breach that has exposed my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), consumers are entitled to protections when identity theft occurs, and I am requesting immediate action to block and delete these unauthorized inquiries. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Account # XXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I was hacked and ALL my accounts have been affected. I was having trouble paying the escrow but have since starting in XXXX have deposited over {$5000.00} and the mortgage company Navy Federal Credit Union is STILL claiming I owe money plus they have charged me XXXX fees that they NEED to credit me back for XXXX. I called on XX/XX/XXXX because they ARE still calling me and I believe they are hackers that are connected to this Navy FCU XXXX in XXXXXXXX XXXX on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's Account Account balance {$1700.00} Acct # : XXXX ( only have last four # ) In XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX  ) to consolidate and pay off all my delinquent accounts. XXXX tried on numerous occasion to contact Macys on my behalf, my account was not located per Macy 's, so XXXX dropped Macy 's off the program. I graduated from the program in XXXX, my credit has built up and in the process of buying a home. However, I was advised by the lender on XX/XX/XXXX that on XX/XX/XXXX, XXXX put {$1700.00} on my credit report. 

I contacted Macy 's XX/XX/XXXX to see how best they could assist me. I was advised by the representative that its an old account of 7 years and they can not make any negotiation at this point. All that's required from me at this point was to pay the amount in full and mail check/money order to there AZ office XXXX 

I think this is very unfair to consumers, because this account has reached its statute of limitation and several attempts was made to settle this account. Macys need to do a better job in training their out sourced staff, because if took a very very long wait and patience to get this information.
Product: Credit card or prepaid card

All my personal credit cards are stopped! I cant use them! I talked to Bank of America customer service! They are not kind! They dont help me out my problems!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and the inquiries reported on my Credit Report were the result of such crime. I have been disputing for the removal of the unauthorized inquiries and yet the Credir Bureaus became ignorant of the letters I have been seding. I have read that under the FCRA sectrion 605b, The Credit reporting agencies are required to remove any account and information that resulted due to identity theft. I need the folloeing disputed unauthorized inquiried to be removed from my Credit report as soon as possible : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX
Product: Payday loan

I applied for a payday loan on XX/XX/XXXX from The Check Cashing Store. The website said repeatedly that the money would go " right to my account. '' After the loan was approved, a message appeared on the site saying that the money would be in my account within 48 hours. I spoke with several people in the company and was told different answers each time. When I asked to have the loan cancelled, I was told that that was not possible because the loan was " in progress. '' When I spoke to XXXX in the " complaint department, '' I was told that someone from the payday loan dept would call me back within 1-3 business days. I did manage to reach her myself. She stated that the loan was not approved for 24 hours and then it was up to the bank to decide when to deposit the money. According to this information, it is not really the Check Cashing Store 's fault that the money is not in my account, it is the bank 's. Had I known any of this up front, I would have driven the short distance to the store and taken the money to the bank myself. It is 4 days since I was given the " loan '' and the money has not appeared. My bank account has accrued more than {$200.00} in overdraft fees at this point. The Check Cashing Store 's online description is a distortion of the facts. Consumers are not given vital information about the process in advance of the approval. In reviewing the documents I signed, I find no information detailing the delays. In fact, it states that my loan was funded on XX/XX/XXXX and that interest would start accruing on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against Capital One Financial Corporation situated in XXXX XXXX XXXX   XXXX XXXX, VA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Capital One Financial Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 
Below is the account I had Disputed earlier : XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
Product: Money transfer, virtual currency, or money service

My friends XXXX was hacked and the poeple who hacked it posted a sob story about needing money and selling things and her friends starting cash apping the people and its fraud. We went to cash app and informed them they are fraud and we have their user name, email and it is linked to a legitimate bank account and they are fraudulently taking money from these people and then giving my friends address to pick up the things they are saying they are selling. Cash app refuses to help anyone get their money even thought have the information to. They will not even investigate or file a claim. And XXXX will also not take down the account that was hacked or the post so more and more people are just sending money to these people
Product: Checking or savings account

MY XXXX XXXX XXXX SON WAS BEFRIENDED BY UNKNOWN PERSON ON XXXX, WAS TOLD HE CAN MAKE MONEY BY CASHING A CHECK. HE RECEIVED A CHECK OF {$4500.00} AND WAS TOLD TO DO A MOBILE DEPOSIT AND THEN INSTRUCTED TO SEND MONEY OFF TO DIFFERENT PEOPLE THRU CITIBANK " XXXX '' OF {$1000.00}, {$1000.00}, AND {$500.00} AND WAS TOLD HE CAN ALSO KEEP A PORTION OF THE MONEY. HE DID THE MOBILE DEPOSIT AND THEN STARTED TO REALIZE SOMETHING WASNT RIGHT AND FEARED THIS WAS NOT A LEGIT SITUATION AND SOUNDED LIKE A SCAM AND TOLD THEM HE WASNT GOING TO SEND THE MONEY AS REQUESTED AND WAS GOING TO TELL THE BANK THAT IT WAS A SCAM AND WOULD NOT CONTINUE WITH SENDING OFF THE MONEY TO THE PEOPLE THRU XXXX AS THEY INSTRUCTED HIM TO. THEY THEN SENT HIM PICTURES OF A GUY ALL DRESSED UP WITH A XXXX AS A XXXX  AND CALLED HIMSELF AN XXXX AND HE WAS SENT TO XXXX MY SON IF HE DIDN'T DO AS THEY SAY. MULTIPLE VERY THREATENING MESSAGES. HE FEARED FOR HIS LIFE AND ENDED UP SENDING THE MONEY AS REQUESTED THRU XXXX. AFTER THAT HE CAME TO ME FREAKING OUT THAT AND I GOT INVOLVED AND CALLED THE BANK TO REPORT THE FRAUD AND DISPUTE THE CHARGES. THE MOBILE CHECK THAT WAS DEPOSITED APPEARED VERY FRAUDULENT THE 1ST SECOND I SAW IT WAS SUPER OBVIOUS. THE BANK 1ST OF ALL SHOULD HAVE NEVER ACCPETED THAT CHECK. THEY SHOULD HAVE REJECTED IT. THE BANK DID NOT HONOR OUR DISPUTE FOR THE 3 XXXX PAYMENTS AND I APPEALED THEIR DECISION AND THEY ONCE AGAIN RESPONDED THAT I AM RESPONSIBLE FOR THE CHARGES OF {$2500.00}. I FILED A POLICE REPORT - MY SON WAS THREATENED AND FEARED FOR HIS LIFE AND THE BANK IS NOT CONSIDERING THAT AND NOT TAKING RESPONSIBILITY THAT THEY SHOULD HAVE NEVER ACCEPTED THE DEPOSIT IN THE FIRST PLACE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 26 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to EquifaxXXXX XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

Beginning XX/XX/XXXX first payment I was confused on payment, I paid the first payment however there was a delay on Freedom Mortgage redraw of the payment which unfortunately led to multiple NSF ( non sufficient fund fees ). The problem started with that issue, being behind I called Freedom Mortgage spoke to a representative that informed me that I could do forbearance plan that I could pay for 3 months. Being a first-time home buyer I was unaware of the stipulations of a forbearance plan, I did not know that it would further put me in delinquent amount. The representative did not explain any information that pertaining the forbearance stating that I would receive information via mail in which again I did not receive, for months I have spoken to numerous representatives over the months that have completely gave me wrong information each time and has continued to make my delinquent problem a larger problem. On XXXX of XXXX I applied for a loan modification that was denied due to debt : income ratio, if this was the case how would I have gotten a home loan? my debt-to-income ratio has not changed. But yet again instead of notifying me that my application was denied, Freedom Mortgage automatically enrolled me into a forbearance program. I have been in forbearance programs since the XX/XX/XXXX incident. I see no way to get myself out of the dilemma and Freedom Mortgage is untrustworthy and I do not feel comfortable to speaking to a loss mitigation representative nor a supervisor of that department, they are liars and unsupportive of my situation, please pull call logs from them, also I would like to add that since this situation my credit has dropped drastically, I can not even get a loan to pay off amount that I owe, I will provide whatever information you need. I do not want to lose my home. I am a Veteran, and I am struggling. please
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX motor credit and the vehicle was repossessed because I was battling XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all XXXX credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to XXXX accuracy on acounts reporting to my credit file and XXXX XXXX XXXX violating my rights.please investigate and delete this account from my credit report XXXX mtr account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.
Product: Debt collection

On XXXX XXXX2020 I sumbitted disputes for 3 collection accounts with XXXX  : XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX  XXXX XXXX Account XXXX, MIDLAND FUNDING Account XXXX showing on my credit report asking for validation and or proof that the debt was mine. I never received the validation i was asking for, It was removed off of my XXXX, XXXX  reports but somehow experian has it validated with no records to show far it.By law this alleged debt that has not been proved to be mine has to be removed.Below is the letter i sent
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXXXXXX XXXX Account Number : XXXX, and so on.