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

Subject : Ongoing Concerns Regarding Account Overdrafts and Balance Reporting Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to express my ongoing concerns regarding my accounts ( Account Numbers : XXXX and XXXX ) with Navy Federal Credit Union. 

Recently, I have encountered significant issues with the balance reporting on my accounts. I believe that the displayed balances often do not accurately reflect my available funds. This has led to unintended overdrafts, particularly when using payment services such as XXXX XXXX and XXXX XXXX, resulting in multiple overdraft fees that I find unjust. 

I previously submitted a claim requesting a thorough review of my entire account history, and I appreciate that you returned a total of {$500.00} to my checking accounts. However, I know that over the course of my 12-year relationship with XXXX XXXX XXXX there have been additional fees taken from my accounts that have not been accounted for. In the last month alone, I have incurred XXXX separate overdraft fees once again, indicating that the underlying issues with balance discrepancies remain unresolved. 

Despite my attempts to seek clarification and assistance from your team, I have not received adequate guidance or a resolution for the overdraft fees incurred. While your representatives have been courteous, I still seek reimbursement for the fees taken due to these discrepancies. 

A fair resolution to this situation would be for XXXX XXXX to return all of the money that has been taken from me due to overdraft fees over the years, along with any related charges I have incurred. Additionally, I believe that an appropriate accommodation should be provided to reflect the seriousness of this situation. 

I kindly request a thorough review of my account activity, focusing on the transactions that resulted in the overdrafts and a clear explanation of how balances are calculated. Transparency in this process is essential to prevent future occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and hope we can resolve this issue amicably. 

Best regards,
Product: Checking or savings account

BBVA Bank was being bought out by PNC Bank. In XX/XX/2021 I went to an office in person because I was unable to close my account online. I asked the woman to take my funds out and close my account. However, I still have a PNC bank account that I do not want. It has been very difficult to close this account.
Product: Payday loan, title loan, or personal loan

The installment loan with Continental Loans in XXXX, TN was opened XX/XX/XXXX and was paid off XX/XX/XXXX but is still reporting on my credit report with a balance owed. 

I have disputed this information with XXXX  several times and they refuse to update this account to paid. 

There is also another account with the same company opened XXXX XXXX. The account reports late XX/XX/XXXX but has never been late, I contacted the creditor and they confirmed as well this account was never late. THis account was paid off in full XX/XX/XXXX.
Product: Checking or savings account

I submitted an application to open an Ally.com bank savings account on XXXXXXXX XXXX XXXX. I received the following application reference number XXXX. 

After receiving the application number i called Ally.com bank and had the account opened. I then transferred {$5000.00} from XXXX to Ally.com ( account # ending XXXX, Reference number XXXX ). The transaction was completed on XX/XX/year>. 

Since my deposit, my account has been suspended since XX/XX/year>. I have contacted the Customer Service number provided, XXXX multiple times. I have at times been on hold for 30 minutes or more answering the same security questions repeatedly without any resolution. I also have not received any correspondence via electronic, voice or mail.

I want to have my {$5000.00} deposit sent back to my original savings institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings credit reporting agencies, my name is XXXX XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Listed Above are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is
Product: Credit reporting, credit repair services, or other personal consumer reports

WE HAVE LIVED AND FINANCED OUR HOME VIA A VA LOAN SINCE XX/XX/XXXX AND HAVE NEVER BE LATE EVER.OVER THIS 30 YEARS OUR MORTGAGE HOLDERS HAD CHANGED TO NO LESS THAN 8 INSTITUTIONS.THE MORTGAGE CO. THAT HELD OUR LOAN WAS XXXX XXXX AND AFTER THE COLLAPSE OF THE MARKET IN XX/XX/XXXX, XXXX CONTINUED TO RECEIVE AND PROCESS OUR LOAN FOR AT LEAST XXXX MONTHS BEFORE WE EVER NEW THAT THEY HAD SO OUR MORTGAGE TO OCWEN XXXX A DEBT.COLLECTING AGENCY! WITH A CREDIT SCORE OF OVER XXXX ( ITS MUCH HIGHER NOW ) ALL OF A SUDDEN OUR CREDIT REPORTS STARTED SHOWING UP A REMINDER OF A BANKRUPTCY FROM THE XX/XX/XXXX'S AS IF OCWEN WAS DOING ALL IT COULD TO TARNISH OUR CREDIT REPORT BUT IN THE MEAN TIME THEY REFUSE TO INFORM THE CREDIT REPORTERS THAT WE EVEN HAVE AND ARE MAKING REGULAR MONTHLY TIMELY PAYMENTS.I DID FILE SOME REPORTS AND DID GET A CONFIRMATION FROM OCWEN AND THE MENTIONING ON THE REPORT OF A MANY YEARS AGO BANKRUPTCY STOPPED AS WELL AS SOME KNIT PICKING REPORTING HAS STOPPED.WE ALSO HAD A LOAN MODIFICATION DONE WHICH FINALLY GOT OUR INTEREST DOWN TO 4.1 % AND OCWEN WAS FORCED TO DISCHARGE XXXX OF PRINCIPLE OFF OUR DEBT BUT ONLY TO REAR ITS HEAD 15 YRS. DOWN THE ROAD IN THE FORM OF A BALLOON PAYMENT IN WHICH WE WHERE ADVISED BY THE COMPANY THAT HANDLED AND PROCESSED OUR MODIFICATION THAT IF WE PAY ABOVE THE {$390.00} PER MONTH MORTGAGE PAYMENT AND PAY THEM {$450.00} THE BALLOON WO N'T HIT THUS THAT IS WHAT WE HAVE BEEN PAYING THEM.BECAUSE OF NOTHING WE DID WE ARE STUCK WITH OCWEN A COMPANY FINED XXXX BY THE FEDERAL GOVERNMENT FOR BANKING PRACTICES THIS COMPANY REFUSES TO REPORT MY WIFE AND MY MORTGAGE PAYMENTS ON OUR CREDIT REPORT AND I HAVE BEEN ASSURED BY THEM IT WOULD BE CORRECTED IT HAS N'T! I AM TERMINALLY ILL WITH LESS THAN ONE YEAR OF LIFE LEFT I HAVE BEEN WORKING ON RAISING MY CREDIT REPORT WHICH HELPS MY WIFE 'S IN TURN BUT AFTER I AM DEAD SHE WILL BE WELL PROVIDED FOR BUT SHE HAS FAR LESS CREDIT IN HER NAME SO OCWEN 'S FAILING AND REFUSING TO REPORT THAT WE DO INDEED HAVE AND MAKE REGULAR PAYMENTS AND THIS OMISSION DOES AND WILL DO HARM TO MY WIFE XXXX XXXX XXXX! ONE OF THE THREE CREDIT REPORTING CO. RAISED MY SCORE TO XXXX! AND THE OTHERS HAS ALSO IMPROVED, WONDER WHAT OUR SCORES WOULD BE WHEN ON THE LIST OF CREDITORS IT SHOWED A 30 YRS.HISTORY OF ON TIME PAYMENTS BUT AT LEAST, FAILURE OF OCWEN TO REPORT YOUR MORTGAGE AND TIMELY PAYMENTS IS CRIMINAL AS THEY ARE NOT A MORTGAGE LENDER BUT A DEBT COLLECTING COMPANY ABLE TO SKIRT THE LAWS THAT NORMAL LENDING PRACTICES ARE FOLLOWED.I WANT TO KNOW WHY THIS SITUATION HAS NOT CHANGE AND OCWEN BE TOLD TO FOLLOW THE LAW AND REPORT OUR MORTGAGE TO THE PROPER INSTITUTIONS THAT DEMAND SO.
Product: Debt collection

My name is XXXX XXXX on XX/XX/2024 I was contacted by a collection agency and again on XX/XX/2024 that didn't volunteer their identity the company was portfolio recovery associates on XX/XX/2024 they called again after I said contact me in writing, [ 15 USC1692g a ] Notice of debt contents, States within five days after the initial communication with a consumer in connection with collection of any debt sent the consumer a written notice, containing the amount of the debt the name of the creditor to whom the debt is owed, As of XX/XX/2024 I have yet to receive any notice of alleged debt from portfolio recovery associates that explains my rights to dispute any debt they may claim I owe. after not hearing from the company I sent them a cease and desist letter which is my right I am aware portfolio recovery associates is a repeat offender of FCRA and the FDCPA I am protecting myself from deceptive practices. 15 USC 1692g FDCPA has been violated by portfolio recovery associates.
Product: Credit card or prepaid card

Wells Fargo sent me a letter today, dated XX/XX/XXXX, stating that they were closing my account on my credit card. This is the first notice and information that I have heard of the closing of my card/account from them. There have been no phone calls and letters up to this point. I had even been on the phone on XX/XX/XXXX talking to a banker, XXXX, who told me that I was not getting a new credit card because I had a past due amount. I was going to make a payment on the XXXX of XXXX when I got my paycheck. There was no mention on the phone of them closing my account even though XXXX checked with his supervisor to find me an answer to my question. 

When I called the number listed on the letter today, I spoke with XXXX who informed me that my account had become " delinquent '' with my account and that was why they were closing it. I asked her when that happened and she checked with her supervisor and stated that I was not keeping my account current and that it had become delinquent. I went through my statements again and no where on any of my statements was my account delinquent or was I sent other letters letting me know that I was falling behind on the account. I have been making monthly payments and keeping up with my account, even if it was late. XXXX then stated that they ( Wells Fargo ) had been sending me letters about my account being delinquent. I have never received these letters so who knows where they actually went. The letter that I got today still had my maiden name on it even after I have sent them the necessary documents to inform them of my legal name change to my married name. So between these letters that were sent and the issue with my name on the letter, this letter was the first one that I have received in a long time. 

I have been banking with them since XXXX and I have worked with them on this credit card for several points. The due date for the payment of the bill is the XXXX and I have worked with them 5 separate times to get the due date moved to another date because I only get paid two times per month and the XXXX is not a good date to have a bill due. On each of these five times, I was told that I could not move the due date.
Product: Money transfer, virtual currency, or money service

Hello - this is my second complaint regarding this issue with coinbase keeping my funds locked in a vault that I do not have access to. 

In the initial CFPB complaint, XXXX, coinbase responded with an apology and {$15.00} on XX/XX/2021 with a resolution of moving the funds from my vault to wallet under the existing support case. 

Now as of XX/XX/2021, coinbase closed my support case XXXX without moving the funds from the vault to my wallet, as promised. 

This seems like clear retaliation for opening a CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account Number 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act XXXX XXXX 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This company keeps reporting on my credit file, I have disputed and called. This company does n't even have a social associated with this account. I have never had a XXXX cell phone, I need some help to resolve this issue
Product: Debt collection

I pay a biannual fee to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. The resort sent out their maintenance fee two months before the year is finish with demand for payment by XX/XX/XXXX. When I purchase the resort ( under duress-after being there for over 6 hours ), which is paid in full, I specially told the sales representative I can make all payments by the XX/XX/XXXXof the month. I was told no problem. No Im being harassed & threatened. I requested a payment plan. I was charged {$25.00} for late fee ; additional {$25.00} for taxes ( none of the other owners were charged this additional tax fee ) & {$5.00} for Voluntary XXXX fee ( never agreed to, which is forced on every timeshare holder whether they like it or not ). I made arrangements to pay the maintenance fee. After paying {$310.00} & disputing the {$25.00} additional tax fee ( which is my right ), XXXX sent my account to collection to Continental Central Credit, XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX. This company try to financially XXXX me ( maintenance fee : {$790.00}, interest : {$8.00} ; collection fee : {$260.00} for a total of {$1000.00} overcharge of over {$600.00}. I called them at XXXX & XXXX & spoke with XXXX who said she would get back to me. I emailed XXXX who told me to contact Continental Central Credit INC. In the meantime, Im not able to utilize the facility even though its paid in full. The contract according to XXXX said the fees can go down but it keeps going up without service
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # 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 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I 'm in bankruptcy I pay mortgage company and bankruptcy court the mortgage company lied to the court saying that I was  13 behind in payments I have proof of all my payments and I be letter from them stating that they applied two payments to my account.
Product: Money transfer, virtual currency, or money service

paypal closed my account once i submitted the requested documents and will not help me to get it back up and running again.i am not sure if this is a mistake or a scam or what not.the money was given to me by family members for emergency reasons and being unable to access my money has put a bigger burden on me financially. not to forget that i paid a fee for what? for them to keep my money from me? i feel paypal is not doing business properly and i am very disatisfied with their business tactics. i have given no reason for paypal to hold my money from me. can you please help me with my situation? the email in relations to this account is XXXX my cell phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company sold loan to a debt agency in XXXX of XXXX, I made payment arrangements with the debt agency XXXX and was making monthly payments. Loan was paid off in XX/XX/XXXX and in XX/XX/XXXX XXXX loans reported the full amount of the loan on my credit report. Contacted the company and they were unwilling to do anything about the error in the report
Product: Checking or savings account

My account was overdrawn by a couple dollars and i was hit by not one but two overdraft fees and when i called customer service i was rold " there was nothing that they could do ". Since there was nothing they could do the account was left with a XXXX dollar balance as i had no choice but to pay the overdraft fees to keep the account from closing and the account still was closed due to the XXXX dollar balance.
Product: Mortgage

I have been affected from XXXX- XXXX. I applied for California Mortgage Relief in XXXX. I was informed that Paramount Residential Mortgage Group XXXX, is not on the list. I am unable to receive any type of help from California Mortgage Relief. My application is on hold. I have called my mortgage company numerous times asking to speak to someone who can move this matter forward. To no avail. I get transferred from person to person. They gave me HUD number and I have called to get assistance. I reached out to XXXX, and the representative stated. File a complaint and gave me your website. I have asked my mortgage group who are you working with to assist borrowers, and they refer me back to HUD. I am requesting assistance with this matter. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dlr Svc # XXXX is showing inc. in bk but it was not. Need the credit tradeline udpated. it is preventing me from refinancing. I called wells fargo several times and they will not provide a letter stating it was not in a bk or remove it from reporting that way. This account was never in a bk.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1900.00}, {$6100.00}, {$0.00}, {$0.00}, {$1700.00}, {$600.00}, {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

-- PERSONAL LOANS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Product: Checking or savings account

My XXXX checking accounts are restricted. I have not received any information from the bank. When I contact the bank, they tell me they can not give me any information. My account la have been restricted since XX/XX/2020.
Product: Prepaid card

I received the XXXX XXXX from my employer in the amount of {$900.00}. I tried to use the XXXX XXXX to make a purchase online and the card was declined. Thinking I miss typed, I tried several more times with the same result. I sent an email to the online store asking for assistance in making the purchase, they suggested it was being declined by American Express, not the online store. I reached out to American Express and they said its a security feature and it was protecting me. They said they would allow purchase at the online store but I needed to wait 2 hours, and then try. I waited over 4 hours and it was declined again. I contacted the online store and tried to make the purchase over the phone by giving them the e-gift card information and it was declined again. After talking to other colleagues, they are being declined as well but at a handful of other retailers and big online retailers like XXXX and XXXX. My employer sent an email confirming the issues and suggested we call the customer service and request assistance or refunds. Having gone through this already, I called and requested a refund. They told me they could not refund the e-gift card and that I should just try at other stores. I mentioned it wasnt working at other stores and I asked for a list of store it does work and they could not provide that information and suggested try it at different stores until you find one where it works. I asked for a manager and got transferred. The manager said she could give a refund but I need to provide a bunch of information and signatures and mail it to a random name and address that didnt have American Express in the name. I asked for this refund procedure information in email or letter form so I could follow it properly and they said they could not provide that and they could only give me this information verbally. At this time, American Express has taken payment from my employer and will not allow me to use the money. This is stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries on my credit report were not authorized by me and I know No knowledge of them. I believe they are fraudulent. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

On XXXX XXXX, 2017 at approximately XXXX CST I was contacted by a caller with the phone number XXXX.
This number belongs to a firm called RMP, which appears to be a collections agency based in Texas. The only information that the employee on the phone would disclose is that the matter had something to do with " a personal matter. '' I asked the employee if this was a debt collection call, which she refused to answer, again stating that the call was regarding a " personal matter. '' The employee would not discuss further unless I verified either : the last 4 digits of my social security number, date of birth, or current address. I did not feel comfortable proving this personal information to an unknown caller, and I ended the call shortly after.