23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this complaint in reference to my experience in dealing with the ( NFCU ) Navy Federal Credit Union mortgage department in regards to trying to refinance my mortgage home loan with this bank ; I have terrible bad customer service since I started this whole process. I had tried to go through Navy Federal credit union when I was first trying to get my house and the first time I had the same bad customer service I had wrote to the bank president XXXX XXXX about my experience and displeasure and dissatisfaction with the service through the lending department and I received a call from a woman from Navy Federal two weeks after I had sent the letter. I had given her my story of my situation and explained to her that I have not ever expected to be treated so badly in all of my years that I have been banking with Navy Federal and she had apologized and explained to me that should not have happened and highly encouraged me not to get discourage an reapply. I did what she had told me and I wanted to have my mortgage with Navy Federal since I have been with them a long time and I have gotten good service from them ever since I was in the military. When I first began the process with the Navy Federal mortgage department I had again started to get bad service again and the way that I was treated was not so egregious that I had to request to speak with a supervisor and asked to be assigned another loan officer because this person was not proactive and not returning any of my phone calls or answering any of my questions, communication was poor and customer service was horrible. I was assigned another loan officer who I was working with for a short period of time, she advised me that she will be going to another department and that I will be getting another loan representative. I got a new representative and I felt like I was alone in this whole process, the support was n't there. I was the one calling all the time to find out where and how things were going and I was n't getting any of my phone calls returned, at this point I was extremely disappointed because I had given all my financial information and everything that was needed already and I was going through this terrible experience with this institution that I held so highly and referred to as XXXX the best. I believe I was treated rudely and unfairly, I feel like I am being redlined by Navy Federal Credit union and this is totally unacceptable, I believe that when I first complained about the first individual things took a turn for the worse and I was being treated this way for that. I have provided a copy of the first letter that I had sent to the bank president. Navy Federal Credit Union 's mortgage department is not very good at all and especially for veterans which Navy Federal always take pride and says that they are committed to providing quality service and taking care of the member which in this case they have n't and it 's been a total disappointment and let down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. XXXX and XXXX were not able to verify this account and has since removed it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints via CFPB about Experian, XXXX and XXXX. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.
Product: Student loan

I attended XXXX University under the belief that their advertised graduation rates, job placement success, and post-graduation salary expectations were accurate. XXXX falsely claimed that a high percentage of graduates secured jobs in their field with competitive salaries and that the university provided meaningful career placement assistance. These claims were a significant factor in my decision to enroll and take on substantial student loan debt. 

However, these promises were misleading. XXXX was later proven in court to have falsified this information, and my experience reflects this deception. The school did not provide the career assistance they advertised, and I did not receive the job opportunities or salary expectations they promised. Furthermore, the tuition was significantly higher than comparable institutions, making the financial burden even greater. 

I am filing this complaint with the Consumer Financial Protection Bureau to seek accountability for these deceptive practices and request any available relief for the financial harm caused by XXXX fraudulent misrepresentations.
Product: Bank account or service

On XXXX XXXX, 2016 I bought a e-cig tank from an online merchant XXXX XXXX for {$32.00}. I used my Visa Debit card from Arvest Bank. The tank turned out to be defective. XXXX refused to take it back or issue a refund so, I contacted ( called the XXXX number ) Arvest about doing a chargeback. I then received a letter from Arvest cancelling the chargeback. No explanation was given. So, I called Arvest again and was told to return the item back to XXXX and get proof of the return ; send the info to Arvest and they would initiate a chargeback. I did that ; sent a copy of the USPS delivery confirmation AND signature of receipt to Arvest and was told that I would have my refund in 10 business days. This was on XXXX XXXX. After waiting 10 business days and seeing no refund I again called Arvest and was told it takes 30 days and that the merchant was disputing the chargeback. After waiting 30 days and still no refund, I again called Arvest and was told it takes 60 days. 

In the meantime, I contacted the Washington State Attorney General 's Office ( because XXXX is in Washington ) and they said they would see what they could do to get my money back. Yesterday, XXXX XXXX I received an email from the Attorney General 's office and XXXX told them that 1 ) my money had already been removed from their account as of XXXX XXXX, 2016 ; 2 ) Arvest told them in the chargeback paperwork that they were not going to refund my money and 3 ) they were not disputing the chargeback. 

So, once again I called Arvest and the girl who answered the phone said she would look into it and then the phone line went dead & I had a dial tone. So I called back and was told that she was on another line and would call me back. Well, obviously that never happened. 

I just want my {$32.00} back at this point. 

I am # 1 ) sick and tired of having to call the XXXX number and NEVER getting to actually speak to anyone in the dispute department. I am not even sure at this point that there is a dispute department. They do not speak to me on the phone ; they do not return my phone calls ; nor do they answer my letters. I even complained by letter to Arvest 's customer service and no reply from them either. # 2 ) I am tired of being told a different story every time I call and ask about this dispute.
Product: Checking or savings account

I opened a chime account about 2 weeks ago. About 2-3 days later my account was locked/suspended. I called the chime support team and they said its because they needed documents like my social and my state ID and proof of my address. I sent everything I needed, its been 2 weeks already that Ive been calling the chime support team everyday asking about my account. They said there is nothing they can do that I have to wait, I have a check that already went to that account and I have no access to it. I called again today XX/XX/2022 and all they tell me is we are going to escalate your situation and we should get back to you within 24 hrs but nothing ever happens, I dont get no email of my status of my situation and they always tell me there is nothing or no one else hire up who I can talk to. I need access to my account, Im a single mother I have bills to pay and a child to feed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Soc : XXXX Re Acct : XXXX XXXX XXXX XXXX Complaint XXXX XXXX XXXX Credit Card Also known as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York NY XXXX This complaint against the above listed entity is due to a fraudulent product which violated the FCRA and Federal Banking regulations. 
The company offers a secured credit card that relies on payments being made through an attached debit/checking account. 
The company in this case and as reported by other consumers routinely freezes the attached checking accounts and allows the consumer no method of making payments to the credit card. The consumers credit report is then reported as late. This in effect forcing consumers in derogatory marks on their credit report and violated established banking practices and the FCRA. 
I am requesting that the company remove all records of this fraudulent product from my credit file. I a also requesting that the CFPB investigate instances of consumers being reported late due to frozen accounts. It is my belief due to reports and complaints online that thousands of consumers are being defrauded and caused irreproachable harm due to the fraudulent acticties of this entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DEPARTMENT {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCEPT {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CRD {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCE {$9300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Money transfer, virtual currency, or money service

On [ XX/XX/year> ], CashApp wrongfully closed my account without any prior notice or explanation. I have not engaged in any activities that would violate CashApps terms of service. I rely on this account for [ payments, transfers, feeding family, work ect ], and this closure has caused significant inconvenience. Despite multiple attempts to contact their support team, I have not received any clear explanation or resolution. 

I would like CashApp to immediately review and reopen my account, or at least provide a detailed reason for its closure and ensure access to any remaining funds in the account. 

I have provided transactions down below from both cashapp and my bank to insure that both are accurate i have my photo id i did not attach that i have a picture of my self i can take one of me holding the id if needed my name is on the id and the account so is my phone number
Product: Checking or savings account

Someone opened a debit account in my name at Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a credit report and for my surprise, the mortgage company PennyMac Loan Services , LLC had not reported my payments for the last two years even though I paid them monthly. The explanation they gave me when I contacted them by phone that same day was that : I did a bankruptcy on XX/XX/XXXX and they did not have my letter of reaffirmation of the debt and they closed my account. I sent them by fax on XX/XX/XXXX the document included in the bankruptcy where I reaffirm my intention to keep the house and the debt. After a lot of insisting, two weeks later they told me that the documents were enough and that soon their bankruptcy department of PennyMac would contact me. When I did not receive a response in more than 10 days, I contacted them again and they told me that this was not the document they needed. My lawyer faxed them on XX/XX/XXXX a copy of the documents presented in the bankruptcy and a letter explaining that the document in question was presented in wich I reaffirm the debt with them and my intention to keep my house. PennyMac insists on not reporting my payments to the credit bureau and continues to report the account as closed, even though I keep sending my payments on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, I SENT THE CRA 'S ( XXXX, XXXX, AND EXPERIAN ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been through the whole pandemic without one miss payment and nor have I asked the creditor for an extension. This past month, I totally forgot about a payment. I wasn't sent any reminder or anything. Well, Needless to say, I received an alert for from XXXX about a 30 day late mark on my credit file. I called the lender immediately to discuss and to let them know I can make the payment today and to please give me a removal courtesy. I satisfied the payment and there were no guaranteed of the removal.
Product: Student loan

I submitted a check in the amount of {$160.00} to the Georgia Student Finance Commission for two of my Student Loans on XX/XX/2018. Check Number XXXX that is directly affiliated to my XXXX XXXX Checking Account. The XXXX XXXX Resolution team is also Researching this matter. ( Conf. # XXXX ) I called The Georgia Student Finance Commission when I received an alert from the Credit Bureaus that my accounts were past due. I have kept my Accounts in Good Standings for over 4 Years. I don't believe in coincidences but base on my research, whenever I have mailed my payment to the Georgia Student Finance Commission there has always been a problem with the processing of the check submitted. There has never been a problem when I have called in my payment. I have a great relationship with the Georgia Student Finance Commission and I would like for that to continue. I am sure that this problem can and will be resolved. I will call in my payments from now on or set up Automatic Drafts from my Bank Account.
Product: Bank account or service

i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be deleted. im a single mother and i dont have much money. i really want to fix my account with XXXX and Suntrust never fully resolved account issues before closing the account and assessing unfair fees. i had duplicate charges from XXXX ( suntrust account was linked to XXXX ) i went into the XXXX XXXX, md banking center to resolve. the branch manager told me she would resolve but did not. i have many over draft fees on the account even after XXXX faxed in a letter stating the error. this is not in collections and needs to be resolved. i will pay whats owed
Product: Debt collection

On XX/XX/XXXX I spoke with my VA medical rep XXXX about Carter- Young Inc a debt collection agency for XXXX XXXX XXXX XXXX. I informed XXXX that I have tried to resolves the matter for over a year with no avail. Carter- Young Inc refused to remove any and all information pertaining to this account claiming they needed permission from the XXXX XXXX XXXX XXXX remove or update any information. I stated to Carter - Young Inc, Do not call me anymore unless you can prove that the account has not been paid. I assure you that the VA has taken care of this matter, I spoke with the Accountant at XXXX XXXX XXXX to make sure they had everything they need to process this claim. Carter - Young continued to call me and harass me even after I explained everything. At this time XXXX stated she would make contact with Carter - Young to resolve this matter. XXXX and myself did a conference call with Carter - Young Inc Rep XXXX, she was given the same information that was previously provided from me at an earlier date. XXXX was able to locate the file and she was given numbers to call if the company had any issues with updating the claim. XXXX stated that she would send the information back to XXXX XXXX XXXX so it could be properly processed and updated. XXXX stated she would do the same and explained to XXXX how the process works, XXXX asked if anything else was need to let either one of us know. XXXX also explained to XXXX that the medical bills have been paid and she is not sure why they haven't updated their system, but they definitely need to do so as this issue is causing undue stress to the Veteran. I agreed with XXXX. To this day Carter -Young continues to place these accounts in collections : XX/XX/XXXX for XXXX usd and XX/XX/XXXX for XXXX usd giving a total amount of XXXX usd.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX # 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: Checking or savings account

I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. Four checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in America, recently one of my XXXX friend who lives in America agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an investigator ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks Case is not under Litigation and is dismissed by me, dismissal attached with the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting false information on my credit report. 
All other credit agencys have investigated and removed the inaccurate information from my reports except Transunion. 
I am writing to dispute the following information in my file. I have filed complaints with the proper agencys. 

This item XXXX does not belong to me. This account is inaccurate because it was open by fraud. I am requesting that the item be removed and re-investigated to correct the information.

Please re-investigate this [ these ] matter [ s ] and [ delete ] the disputed item as soon as possible.

I have begone the file suite against all partys involved in this fraud including Transunion.
Product: Credit reporting or other personal consumer reports

I am extremely unhappy with the credit monitoring service and have been trying to cancel my free trial without success. I was charged {$27.00} today on the XXXX of XX/XX/year>. The company will not let me cancel my subscription, even though I repeatedly tried following the steps listed on their own website. For example, when I try to click on change membership button to downgrade from premium membership back to free, it brings me to a different link where it tries to get me to buy an even more expensive family plan. Ive filed a complaint directly with the company but have not yet heard back. After researching this company further it seems they have a lot of other complaints against the lack of transparency with cancelling- this is an extremely deceptive practice and they should be ashamed. This is not the right way to do business and I intend to report them to XXXX  and also report this to my credit card company.
Product: Debt collection

This company called everyone I know and left them voicemails about my case. They called XXXX of my family members, before they called me to tell me about the debt being collected. 

In addition, they claim that they mailed me information about the debt but I have not received anything. 

They are operating in bad faith.
Product: Consumer Loan

I took out an unsecured loan in XXXX at One Main Financial previously XXXX XXXX. In XXXX I refinanced loan. The principal on the account was {$7900.00}. I have been paying on the loan for 5 years and they say that I still owe {$7200.00}. They are now threatening to turn the account over to their legal department andI have my wages garnished because we are 2 months behind due to my hours at work being cut by half. To date we have payed close to over {$11000.00} on this loan, it should be payed off or almost paid in full by now. We have been making payments of $ XXXX/month for the life of the loan. When we asked for help, for one month they wanted to refinance the whole loan again and wanted the title to my car and I declined that offer. That ris when they threatened to garnish my wages. Also I have noticed that when I make the payment, they hold the check and run it thru the bank after the due date so that they can charge me a late fee and add interest. This seems to me that there is something that needs to be done. I am not saying that I do not owe money, but I know that I do not owe them over {$7000.00}.