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

Dear CFPB, I am writing to seek assistance with a distressing matter involving Navy Federal 's failure to adhere to their XXXX liability policy after my account was targeted by a hacker, resulting in fraudulent withdrawals totaling {$65000.00}. This situation has caused significant financial hardship and stress, and I am seeking your intervention to rectify this matter. 

On XX/XX/2022, I discovered that multiple unauthorized withdrawals totaling {$65000.00} had been made from my Navy Federal account. I immediately contacted Navy Federal to report the fraudulent activity and was reassured of their XXXX liability policy, which should have provided protection against such unauthorized transactions. 

Despite my prompt reporting of the unauthorized withdrawals and clear evidence of fraudulent activity, Navy Federal has failed to honor their XXXX liability policy and has not taken necessary steps to reimburse the stolen funds. This has XXXX impacted my financial stability and undermined my confidence in the institution 's commitment to protecting its members from fraudulent activities. 

I have taken the following actions in an attempt to resolve this issue : XXXX. Filed a detailed report with Navy Federal providing all available evidence of the fraudulent transactions and explaining the circumstances surrounding the unauthorized withdrawals. 
XXXX. Engaged in ongoing communication with Navy Federal 's customer service representatives, but have not received a satisfactory resolution to this matter. 
XXXX. Utilized all available channels to appeal for a reversal of the fraudulent withdrawals and restoration of the stolen funds, but Navy Federal has not provided a resolution in line with their XXXX liability policy. 

I am now turning to the CFPB for assistance in addressing this alarming breach of consumer protection. The financial loss caused by Navy Federal 's failure to stand by their XXXX liability policy has not only affected my immediate financial well-being but has also eroded my trust in the institution 's ability to safeguard its members from fraudulent activities. 

I kindly request the CFPB 's intervention in investigating this matter and compelling Navy Federal to uphold its XXXX liability policy by reimbursing the {$65000.00} stolen from my account due to fraudulent activity. 

I am willing to provide any additional documentation or evidence necessary to support this complaint and seek a fair and timely resolution to this distressing situation. 

Thank you for your attention to this matter, and I look forward to your assistance in addressing this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I have called and emailed MOHELA several times since my loans were forgiven in XXXX via PSLF. I made XXXX extra payments and am entitled to a refund. MOHELAs Response is that since my loans are paid and my balance is {$0.00}, they can not see my info to tell me if I will get a refund or how much. They will only say that if I am owed money, the Treasury department will issue a check and that it should be within 60 days. However, it has been over 60 days. And no one seems to be able to tell me if I will get a refund and if so how much and when.
Product: Checking or savings account

I had submitted a claim and it was being investigated they closed it with false information and I was told they would re issue a new claim number and fix the error only to find out my account was closed and sent to their collection department. XX/XX/18 They closed the account and now I am being subject to pay XXXX in fees that the account remains overdrawn for.
Product: Credit card or prepaid card

I used my Credit Karma XXXX debit card at a XXXX XXXX atm located inside a XXXX convenience store in XXXX, Ga. My credit karma account was charged {$400.00}, but the atm DID NOT dispense the money. When I contacted XXXX XXXX, they frankly told me they were not going to do anything about it. So I called credit karma. After 2 weeks of emailing back and forth, Credit Karma closed my account. My XXXX  account and my credit monitering account that Ive had for years. And didnt refund my {$400.00}. I have no number to contact them. They stopped acknowledging my emails. I want my money back.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) # XXXX XXXX  ( Original Creditor : XXXX  ) # XXXX XXXX  ( Original Creditor : XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My tax refund was deposited into my account in XXXX 2022 and cashapp let someone hack into my account and steal XXXX. I provided all the documents needed to verify my account and they told me they couldn't do anything about it because the money was already gone
Product: Mortgage

Wells Fargo claims I owe {$60000.00} on a mortgage I took out some 20 years ago. I made payments but what did they credit the payments to? I may have a small balance due but is NOT XXXX dollars They are cheating me
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX AND THE XXXX XXXX XXXX ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  thru XXXX XXXX XXXX  amounts deducted various amount between XXXX XXXX XXXX per transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 received XXXX Card. I immediately started automatic payments. XXXX my first payment didn't go through. I received no alerts. Again in XXXX. I noticed in my checking there were no withdrawals. I spoke with XXXX for 15 hours to resolve this. They said their system had a glitch but was fixed and they would remove the late payment. They never did. I paid off my card in full and closed it a year ago. Tho I have continued to dialogue with them and they say they will, they have never removed the late payments from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/2004 ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Checking or savings account

XXXX XXXX XXXX bank account # XXXX XXXXXXXX XXXX XXXX. I was Charged a {$5.00} maintenance fee for XXXX, and XX/XX/2024. I have two electronic payments of {$300.00} biweekly going into checking account. I have made 20 debit card payments in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Golden 1 credit union  I was never later with my payment XXXX XXXX this is not my account XXXXXXXX XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

collection Agency XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$950.00} Amount {$950.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Completed and was not removed. XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Competed and was not removed. XX/XX/XXXX Police report was faxed in to Equifax inwhich this is what equifax representative told me to do, with copy of social security card and id. XX/XX/XXXX Representative from Equifax stated that the police report was not accurate because it did not contain specific information related to each fraudulent mistake. I was never told by any representative that it should be specific for each mistake. Furthermore Investigator stated that there was nothing that he could do and equifax would need to handle dispute and case would be closed on his end. I have completed every action stated by Equifax that I would need to take and this situation still hasn't been resolved. I have asked for a signed contract with my signature and either has been able to present one. Therefore if there is no contract, there is no debt owed and this is fraudulent.
Product: Debt collection

I received a parking ticket in XXXX ... .I paid the tickets that same day online... XX/XX/XXXX... ..then a month after that I received a bill for the ticket in the mail and I assumed now I was in a scam as they were just billed me for another fictitious ticket. I would like to forward all the payment information onto you so you can find out if there's a scam going on or if they never received payment or possibly accounted for in inappropriately. 

Paid ticket on XX/XX/XXXX ... {$50.00} XXXX on my XXXX  Credit Card through XXXX XXXX  ... .was then officially billed {$54.00} on XX/XX/XXXX with rate conversion. Paid XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( EXCHG RATE ) I sent back a response with this information and heard nothing for years, but now they have sent me XXXX or XXXX of these collection notices. 

Thank You, XXXX XXXX XXXX
Product: Student loan

I have worked for the county and or state for the past 10 years in front line positions in which I qualify for the loan forgiveness program. Every time I called Navient for assistance as I could not afford to pay my student loan, they would direct me to do a forbearance or deferment which I did ; however, I was never informed or given the option of the income based repayment plan nor told that this plams as opposed to a deferment or forbearance would count toward the loan forgiveness plan. I reached the 10 year mark for having my loans forgiven and was informed that due to not being on the right plan, I had another 8 years to go! This is unfair as I have worked jobs in which I am due and qualify to have my loan forgiven yet I jave bedn railroaded ans forced to pay longer. It's not fair & it's not my fault that they only gave me the options of deferment or forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX. I was not resolved so I called them on XX/XX/XXXX. They said disute was completed. I stated I .as not notified. Tthey sent me an email as of XX/XX/XXXX stating it was completed as of XX/XX/XXXX. I disputed this several times. They have not completed those disputes as of date. The other 2 reporting agencies removed the accounts from my report a year before.
Product: Credit card

i have to accounts XXXX is for captial one and the other is XXXX with XXXX and both accounts are closed i want the accounts off of my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.
Product: Student loan

The school was charged with fraudulent practices in obtaining student loans. The student loan amount was reduced. The company that held the student loan agreed to an income based repayment as the student did not have a job. The company that held the loan sold/transferred the loan to another company. The new company sent multiple statements to the borrower and the cosigner with differing amounts due, requesting remittance to names of companies, but with the same address. Both the borrower and the cosigner tried to reach the company by phone, but could not reach an agent. Both the borrower and the cosigner attempted to contact the company on-line but could not reach an agent and no response was given to emails. The cosigner sent payment for the amount agreed upon in the income based repayment agreement with copies of the agreement. The new company did not acknowledge, though the check was cashed. The new company sent multiple past due notices to the borrower and the cosigner. Both the borrower and the cosigner again attempted to reach the company by phone but could not reach an agent. The cosigner sent a certified letter on behalf of both the borrower and herself asking that the company make contact and communicate about this confusion. The return receipt came back showing that the letter was recieved by the company and signed by an agent of the company. Neither the borrower or the cosigner recieved phone call, email or letter in response. The company again sent past due notices to the cosigner and the borrower, this time with also with differing amounts compared to previous statements. The borrower and the cosigner informed the company in the certified letter that without clarification and communication from the company, no further monies would be sent.
Product: Credit reporting or other personal consumer reports

I want the fraud alert remove from my Experian profile. 
Its hindering me from getting mortgage loans and credit cards. 
I will send attached a letter along with a copy of my drivers license and social security card proving its me.
Product: Debt collection

Dear LVNV FUNDING LLC, you are in violation of the FCRA, And the FDCPA. You are to cease all reporting of inaccurate/invalidated accounts immediately.
Product: Credit card or prepaid card

I attempted to call AMEX customer service via phone on XX/XX/XXXX and spoke to a supervisor with no success. 
Amount in dispute as of XX/XX/XXXX is {$5500.00}. 

I received the XXXX 10 % cash back offer on my XXXX XXXX card. I possess numerous Authorized accounts that had the same offer. AMEX allows the primary account holder to add additional members to their accounts. Each new member would receive an unique account number and treated as an additional authorized user. I added the offer to each of additional member 's account and made the eligible purchases and received credits. 

On XX/XX/XXXX, I received 42 emails telling me to expect reversals on those credits that I received. As of XX/XX/XXXX I noticed {$5500.00} in reversals. 

The fine print of the offer states the limit was per card member than primary account holder or " card across all Amex Offer channels ''. 

Members receive a notification email for each qualifying purchase. The email states that " if they meet the terms of the offer, you will have successfully redeemed the offer '' by logic, if terms are met AMEX will issue the credit. AMEX proceeds to issue a credit a few business days after the notification email. The credits would serve as a notification that the member qualified for the said offer. 
Members have no reason to doubt they did not the meet the terms of the offer due AMEX issuing the said credits. 

XX/XX/XXXX AMEX decides to change terms and condition of the offer and processes reversals on all the issued credits almost 3 months later. I consider this a breach of contract.
Product: Student loan

They are not reviewing our borrowers defense applications submitted due to predatory lending.
Product: Credit reporting or other personal consumer reports

Experience notified me that I had a derogatory statement on my credit report experience said that XXXX XXXX XXXX filed papers on my behalf stating I was in negligence on my account I have never heard of nor given XXXX XXXX XXXX access or data pertaining to any accounts nor do I even do business with XXXX XXXX XXXX I reached out to them as well Experian has not verified or fact checked none of the information that I have sent I have filed at least nine disputes in recourse to the negligence on my account not once has the issue been resolved nor have they ever tried looking into it I've sent proof stating that I did not give permission for them to access my account and they access it anyway they have been committing fraud on my behalf
Product: Credit reporting or other personal consumer reports

I was notified about a collection in my credit report. I quickly began the dispute process the same day since I do not recognize, nor do I owe the money to the account reported. XXXX claimed to investigate the situation, it took XXXX around 24 hours to say that they investigated the claim and the account was verified. XXXX did not investigate at all since if they had, it would have been quite obvious the account was not mine and I did not owe the money. I attempted calling XXXX and they did not respond due to high call volume. The account is apparently from 2 years ago ( again, not mine ) and was now reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX  ) -name as reported on my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED. 

If this account is not deleted from my credit report within 30 days I will be visiting my nearest small claims court & I would be seeking a minimum of {$1000.00} in damages PER violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Each of you will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Student loan

I have recently been in contact with XXXX XXXX on XX/XX/2018 and XX/XX/2018 in regards to a monthly payment increase on my student loans. The program that I was in and able to maintain was {$210.00} and has now increased to {$460.00}. I called XXXX XXXX to ask if the payment could be lowered to an amount that I could maintain being that I am the sole provider in our household due to my husband returning to school full time for an XXXX XXXX XXXX program. When I spoke XXXX at XXXX XXXX I was asked to provide my financial profile including monthly income from my job, expenses such as rent, car note/insurance, groceries, cable, and what I currently have in my checking and savings account. I was then told that XXXX XXXX would need to contact my co-signer who is a XXXX year old retired veteran, my grandfather was harassed about his monthly income and payments and was told that if he was not providing enough information. I was then asked by XXXX XXXX what are you willing to do to maintain your payment because based on your credit profile you are not able to maintain your payment. I was then informed by XXXX at XXXX XXXX that my request was denied to lower my monthly payment or offer an alternative method. I begged them and never once said that I was unwilling to make a payment, I simply asked to lower it so the loan would not be defaulted and I was denied. XXXX then asked for my routing and account number and stated that my interest rate would be lowered .25 % if I enrolled in automatic payments which did not lower the monthly payments.
Product: Student loan

MOHELA is contracted to manage my Federal Direct Loan. My complaint is a late Student Loan Billing Statement delivered online 4 days before due date and their auto debit not functioning causing me to pay manually on the due date. Now the servicer is reporting the payment as past due. 

Mohela Statement Delivery Date XXXX jpg document shows the date the XXXX Billing Statement was received by me- XX/XX/2024 XXXX XXXX, Mohela XX/XX/2024 pdf document is my XXXX Billing Statement, billed XXXX with due date XXXX. This billing statement was received on XX/XX/2024, 4 days before the due date. 

Auto debit on the MOHELA payment portal states it is ACTIVE, but did not initiate the payment at the due date, requiring me to make an on-time manual payment by the due date. 

Despite this effort, my payment is still listed as past due MOHELA responded to my concern of a late billing statement with 'Sorry for the inconvienence ' and a notification that my account is now past due. See 4th attachment.