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

Ive personally been victimized and taken advantage of for years by navy federal credit unions overdraft protection plan. Over the course of the past 10 years Navy federal has taken thousands of dollars worth of overdraft fees when my account clearly showed I had the appropriate funds to cover transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts violated my federally protected rights. The following accounts are with XXXX balance. XXXX XXXX, XXXX XXXX XXXX balance in TransUnion and XXXX ) , XXXX , XXXX ( only reports to XXXX ) These items have violated my consumer rights under the Fair Credit Reporting Act, 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected.
Product: Money transfer, virtual currency, or money service

On several occasions I have bought different types of cryptocurrency from pay pal. Some of the time I am able to buy crypto and send it to an external wallet immediately after purchase without problem. But there have been several occasions when I could not send my crypto to any external wallet even when my account is in good standing with no limitations and it is a valid crypto address Im sending to. I receive and error message stating there was a problem and trying to send again may fix this problem. But when this happens it can last for days and even weeks and in that time my money is subject to the volatility of the crypto market if I choose to leave it in crypto or I am forced to pay PayPal a fee to sell. When I inform customer service of this problem Im told it is a security measure put in place to protect my account even though the error message I receive is stating its a problem and even siting what may fix the problem. Several times I have been forced to sell my crypto to be able to pay merchants or send to any external wallet and have never had any issues when I am selling it only when trying to send it. Each time I have to sell PayPal charges a XXXX $ fee. I feel like if I need to buy and send crypto paypal can force me to have to pay their fees by refusing to send it. So Im having to pay fees to buy them. pay fees to sell them and pay fees again to buy on another platform just to be able to send money. When I ask customer service to check into why Im unable to send the crypto Ive bought, Im told I to just sell my crypto and try again. This happened most recently on XX/XX/XXXX I bought XXXX $ of XXXX for XXXX and was forced to sell when when all my attempts to send failed eventually selling for XXXX and agin on XX/XX/XXXX again buying XXXX $ for XXXX and forced to sell for XXXX. These are not isolated incidents. I have had this happen with XXXX XXXX XXXX XXXX, and others. Other first time I encountered this problem I was unsure if was only XXXX  so I tried a couple different times also trying on the website vs the app and all in all that day I racked up over XXXX $ in fees alone from PayPal and finally just gave up amd I was never able to send any of it. I informed customer service again who said they werent liable for any fees I incurred as this was a security measure put into place for my protection. Ive informed them several times and never get any other explanation other than it is a security measure and they are not responsible. I dont understand that if its a security measure, why I would get an error message stating that there was a problem and trying again may fix the problem. I am not the only person that has had to deal with this as I have found many complaints from others about this on PayPals website alone.
Product: Checking or savings account

On or around XX/XX/2022, my debt card was being denied. I called my bank to find that my bank had my account under review for closure and our funds were frozen ... We were never notified by the bank in anyway. 
Not knowing our funds were frozen, we previously submitted checks to pay bills a few days before I called the bank. As a result, we were charged return check fees on all of our checks by the merchant. 
We were not notified and had no knowledge that our payments would not be honored.. We should not be responsible for the returned check fees and US Bank should pay them. The bank told me " they do not pay merchant fees ''. 
Also. because of our " late '' payments, our excellent credit score is now deteriorated through no fault of our own.I called to inquire why our account was being closed, I was not given an answer... only saying 'it was under review '' We did not have a negative balance.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX XXXX victim of a robbery that happened in New York on XX/XX/year> around XXXX XXXX  The robbery involved a XXXX transaction linked to my Capital One debit account. Two men robbed me of my phone and made a XXXX transaction of {$860.00}. I reported it to the New York police and they categorized my case as a robbery and XXXX XXXX They created a police report which I provided to my bank. They told me that my claim was submitted but they failed to show empathy whenever I called them and gave me different information. They kept telling me that they will try to expedite the process of my investigation since it was a very traumatic event for me and I lost all of my money in my bank account. However, another person I called said there is no way they could expedite the process and that there is a deadline of 10 days. I was very confused since it was new information and he was very demeaning and proceeded to tell me that Im in XXXX  so I should know about deadlines. He said that they have a deadline of 10 days and after that they will update me. I was very upset and after every call I was left crying in distress. I felt that the workers are showing no empathy towards my situation. This is a robbery not a fraud and I believe I should be getting my money back. Moreover, the workers showed no knowledge about my case despite their claim that they wrote notes and that they will take a look at my notes. This left me wondering if they even wrote proper notes because one person I called clearly showed a poor understanding of my situation despite the plentiful information I have provided them. The worker thought I am a victim of a fraud and stated that I made the transaction. It is disheartening having to correct and retell my story multiple times to different agents. Another worker also told me that there are many other cases that they have to take care of first. When I asked what those cases are, she told me that people didnt receive their package etc. This left me feeling helpless as that statement showed that the company cares more about packages/fraud as opposed to robbery which is a higher offense. I am not receiving proper help from Capital One Bank. They are showing no empathy towards my situation and are not getting their work done professionally.
Product: Mortgage

I applied for a USDA guarantee home loaXXXX from XXXX XXXX XXXX  in XXXX XXXX in XXXX of XXXX loan requires the bank to hire an appraiser to see if the home meets their requirements and to give a report of the value. The bank is supposed to make sure the appraiser is doing his job correctly. The appraiser said their were a few minor fixes that needed to be addressed like painting the porch and installing a couple of XXXX receptacles. The issues were fixed and the bank said the loan was approved. About a year after i signed the papers the roof started caving in due to snow and ice. I called the insurance company and they sent a guy out to look at the damages. After about a week i received a letter from the insurance company saying they were not paying for anything and the house was uninsurable due to its condition. I looked at the appraisal report that the bank gave me a copy of and it stated the roof was in good condition and there were no issues with the house. He did not report the exposed wiring or the moisture and rotten floor joists in the crawl space. Not only did he lie about the condition of the house he lied about the value of it by comparing it to houses that were worth a lot more. XXXX of them was a house on the river but he said the location had no value. The bank looked at his report and said nothing then sold the loan to another bank. I tried to contact the USDA but they would not return any of my calls. I tried contacting them for months with no response so i had to try and replace the roof out of my own pocket and do the work myself since i could not afford to pay a contractor {$60000.00}. I had to quit working and try to get enough done before winter because i didn't have anywhere else to live. I got behind on my mortgage payments because of the time and money it was taking to replace half the house and the foreclosed on the house even though i called the bank and the USDA and told them why i was behind but they didn't care. I lost everything because the bank signed a loan and the USDA approved it when they new the appraisal was all a lie so they could get more money
Product: Credit reporting or other personal consumer reports

I am reaching out as I have previously disputed unauthorized inquiries on my credit report from XXXX, TransUnion and XXXX. 

None of the unauthorized inquiries were removed and no documentation was provided. 

I am demanding to have the inquiries deleted abd have reached out to the bureaus again to request them to be deleted. 

See attached letter
Product: Debt collection

I received a letter stating a judgment was taken against me way back on XX/XX/XXXX. Yes, the year XXXX. By now this should have fallen off my credit report, but it's still there. The letter says the debt is between me and XXXX XXXX XXXX XXXX. 

Other than their statement that I owe the debt, no other supporting documents have been provided. I don't know what this debt is even from. I disputed it via XXXX XXXX in XXXX, and was told the debt had been validated. How was it validated? I have never seen anything proving that I owe these people {$630.00}. 

Today this letter came again and I am at the point where I don't know what to do. I don't want to restart the clock on the statute of limitations, and I don't think by disputing it the clock should automatically reset. It's been XXXX  YEARS. How can they continue to wreck my credit and go after this debt when I have never gotten any proof that I owe it? I want it off my credit report and I want the letters to stop. Please help me. 

Thanks, XXXX XXXX.
Product: Credit card

XX/XX/XXXX i found out that one of my XXXX XXXX. my customer had not paid for the work i had done to date and i had no written contract. i called my credit cards all XXXX different companys and asked for the use of my " credit card payment protection '' it goes by many names. i was told flat out that since i was self employed that i could not prove i lost the work. i can prove i lost the work. the end result was that i paid them thousands of dollars over many years ( like 10 years ) for this service and i only needed a few hundred dollars to keep current. they shut off my cards and collapsed my available credit. i needed that credit to keep my business going. i had to take a job working for someone else and hibernate XXXX. three months after my first phone they called begging me to get current, XXXX companys and even suggested i use my " credit payment protection '' when i said, " i am self employed and you guys knew that from the start, 10 years ago '' they said that maybe they could find a way for me to be allowed to use my " credit payment protection ''. i was so mad i had to hang up. when its my life and credit and business they cant help me, when i am about to go 90 days and they are going to have to " charge me off '' they find a way to use it. i never ended up using it because the paper work came to me in the mail after it was due back and furthermore it was impossible to fill out as self employed. i have tried to XXXX this to XXXX XXXX and XXXX. they fixed other things but not this they are in bed with the credit card companys and dont care what i say. i paid my debts current and i paid off the cards that were closed upon me. now i need help getting my credit fixed and my money i spent on credit payment protection back thank you i hope you can help. this down grade in credit has ruined my business that i worked so hard for and now i cant buy a house because of how they misled me into a trap. i am submitting one complaint per company so i am going to copy and paste this to each one.
Product: Debt collection

I received the following text from an impersonator : XXXX! This is Sentry Credit , IncXXXX We would like to contact you via Text. Please call XXXX. This message is from a debt collector. Msg & dataratesmayapply. # of msgs vary. To opt-out reply STOP XXXX I have not clicked anything. I also did not call them. I looked at the sentrycredit website, and the number provided does not match the one on the site. Plus, the word " Text '' was capitalized. Also, the use of a # to represent the word number was utilized. These are not professional forms of communication.
Product: Checking or savings account

Hello PLEASE HELP and please read : ( I have been assessed with tons of fees due to my unemployment lapsing for three weeks, during this time I told to stop overdraft protection and to stop all transactions so I wouldnt have this happen. The companies said they cant do anything and only the bank can. XXXX Early XX/XX/2021 is when it started happening ) Please I will do anything if you can just do a courtesy reversal or something : ( I am late on rent because of this and some utilities : ( I also have XXXX and dealing with that sadly and its really up to you guys to help please : ( I will do anything : (
Product: Checking or savings account

I set up a savings account with Ally Bank. After the account was set up I received a credit monitoring report that the did a hard credit inquiry for a bank loan. This brought my credit score down. I sent them a secure message to find out why and they said I had to talk to the loan department. However I never applied for a loan or authorized them to do a credit check for a loan.
Product: Vehicle loan or lease

I paid {$3500.00} on XX/XX/year> electronically form my personal bank account. My bank reported it sent and deducted form my account the following day, XX/XX/XXXX. Bank of America, who is holding my loan, has still not credited my account with this amount. Trying to reach someone at the bank is impossible. The phone system is only automatic, you can't talk to a person. I have sent 3 emails but they give themselves 5 days to respond. That is too long! BOA has deposited this into their account and has been benefitting for over a week at this point. This is wrong.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the 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
Product: Credit reporting

I have been asking XXXX and Transunion since XXXX 2015 to provide me the documentation they have on file for the items they are reporting on me. So far the credit bureaus have deleted some items and other items they say they verified are mine BUT sent me no proper documentation in fact they sent me nothing at all showing me how they proved the item was reporting correctly asnd was mine, nothing at all. I have sent all 3 credit bureaus over 5 letters asking them to show me and nothing. They are severly hurting my ability to get a house for my family. UIf they cant prove the items according and under the FCRA laws they need to remove the items. I am getting tired of the getting the run around and letters back from them with nothing. In fact TransUnion put a freeze on my account which I never asked them to do and when I contested it they sent me a form asking for several pieces of identification that I am NOT going to provide I want them items removed and the freeze removed. I also want to know how I can go after the credit reporting agency legally in court, can you help me please. It should n't take 6 months to get some action. 

Thanks-
Product: Checking or savings account

I opened an 11 month cd at 4.05 % on XX/XX/XXXX. I deposited {$300000.00}. I was to have received {$13000.00}. Instead I only received {$13000.00}. They shorted me out of {$340.00} I had contacted the bank several times. 
The bank did not start the cd rate till XX/XX/XXXX. I have spoken to their resolution dept on XXXX & XX/XX/XXXX ( XXXX XXXX XXXX ). 
Escalation team Case no : XXXX I've also spoken to XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # employee ID XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Privacy and Consent, there is no law stating that late payments have to be reported. This has to be a billing error and needs to be corrected, effective immediately. This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, XXXX XXXX.
Product: Credit card

CREDIT CORP SOLUTIONS INC Opened XXXX This account doesnt belong to me
Product: Mortgage

This is my second complaint after i submitted the first the company has called me one time they have taken the first account manager that was helping me and stuck me with a lady whos ben on vacation longer than wat she has helped same thing she told me 2 submitt papers for loan modification never heard from her i call her XXXX XXXX never in so i call her supervisor XXXX always in meeting then i call XXXX XXXX supervisor never in no return calls i get a hold of XXXX about 2 weeks later for her to say paper she didnt get thats her famous line but she never calls to inform me of any information that they need she is in fact a XXXX she is always yelling rudely i asked for payoff she tells me to fill out papers then itll take 7 days to let me know because they dont send out monthly statement which clearly is a lie because i have one in front of me she stated that they sent out a statement to bring loan current pay this amount so i tried they would not excpect but she stated we have not tried to pay clearly lying run around run around
Product: Credit card

Was under a XXXX month no interest if paid before the end of the period. From the start I would see accual interest charges being applied to the amount due. I made payment before XXXX XXXX statement was ever billed and assumed that since making payment over the min. due that it was going to cancel out the bill due. It did not, I phoned companey and was told I had to call in each time a extra payment was being made. I did not find this in any documents. Also, I was charged a XXXX USD membership fee at the start. This fee automatucly could set a persons account near the offered limit. I was unaware of the fee and asked to see my acknowledgement of it with a signature, none was ever given to me. The statements are very confusing to understand. Its clear that Fortiva will attach fees etc to make a person have to keep paying over the promo period to collect interest. Tried contacting customer service many times. They have a call center in XXXX XXXX and its very difficult for them to understand. My accoutn was almost paid in full but dealing with them and their tactics it extended me over the XXXX month period and the hundreds of dollars already paid was a waste. My account almost tripled and was XXXX more than original cost of product. I sent by certified USPS a letter explaining the issue in detail. Also asking for all documents proving the amount owed and in other documents to vailidate their charges and fees. It was signed and picked up. No response was ever received as of date. ( XXXX later ) I also ask them to cease contacting me other than by mail and they continue to email and text phone. In my account which I no longer have access to also ask to have all cell phone commication to stop. Even after letter sent they are continueing to mark credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Through a credit monitoring service I learned that a " collection activity '' was entered into my credit bureau file by Credit Collection Service.  The collection agency alleged that I owed {$62.00} in XX/XX/XXXX to XXXX. However, according to my bank bill pay records ( please see attached XXXX, XXXX received payment in the amount of {$62.00} on or about XX/XX/XXXX. I have written a USPS certified mail with return receipt to Credit Collection Service to verify their records and remove the erroneous entry but to no avail. According credit bureau data, the  erroneous entry was entered into my credit bureau data on XX/XX/XXXX even though I paid as agreed in the months of XXXX and XXXX of XXXX. Please see attached letter to Credit Collection Service. 
Further, I reached out to XXXX 's executive service relations Mr. XXXX XXXX ( would not reveal his full name per company policy ), he stated that XXXX did not refer my account to collection. Please see letter containing his statement attached. 
The fact is I do not owe XXXX for the month alleged. I have never been late on this account since inception back in XX/XX/XXXX. But the problem is, on XX/XX/XXXX. I canceled XXXX 's service and the company refused to cancel the service. After speaking with 3 representatives on the phone and 2 others via chat without achieving account cancellation, I went into XXXX 's local store and canceled through store manager Mr. XXXX. However he could not provide proof of cancellation citing company policy.Till date I still have not received final billing statement from XXXX and have no proof that account was terminated by consumer.
Product: Credit card

I purchased merchandise from Macys.com on XX/XX/2016. while it offered macys ' money as incentive to use later. I earned some Money 's money but did not use it all. There was only one week window to use Macys ' money. 

Later I returned one of the products due to its quality. Macys deducted {$20.00} from the money I paid for the merchandise. The merchandise is {$70.00} which could n't earn {$20.00} Macys ' money. Yet, Macys ' took {$20.00} from me. I have contacted Macys several times, but it has refused to credit {$20.00} back to my credit card.