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

I am writing to file a formal complaint against Navy Federal Credit Union regarding their refusal to close my checking account and provide me with the necessary funds. Despite my repeated requests and adherence to their stated procedures, Navy Federal has failed to comply with my reasonable request to terminate my account and issue a check for the remaining balance. I believe their actions are in violation of the following codes and laws : 1. Regulation E ( Electronic Fund Transfer Act ) : Navy Federal is required to comply with Regulation E, which grants consumers the right to initiate the closure of their checking accounts and receive the remaining funds. As per Section 1005.10 of Regulation E, financial institutions must honor a consumers request to close an account and promptly provide the available balance. 
2. Truth in Savings Act : Under the Truth in Savings Act, financial institutions are obligated to provide accurate and transparent information about the terms and conditions of their deposit accounts, including the procedure for account closure and disbursement of funds. Navy Federals refusal to close my account and issue a check for the remaining balance contradicts the principles of this act. 
XXXX. Consumer Financial Protection Act ( CFPA ) : The CFPA grants the CFPB authority to enforce federal consumer financial laws. It includes provisions to protect consumers from unfair, deceptive, or abusive acts or practices by financial institutions. Navy Federals refusal to close my account and provide the remaining funds may be considered an unfair or deceptive practice under the CFPA.

I have made multiple attempts to contact Navy Federal through their customer service channels, providing them with all the necessary information to facilitate the account closure and the issuance of a check for the remaining balance. However, they have consistently disregarded my request, leaving me unable to access the funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been previous issues involving XXXX XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.
Product: Credit card

Zwicker & Associates has Zwicker & Associates, ( Z & A ) and their client XXXX XXXX was made aware of my financial hardship almost 9 months ago. During that time no accommodation for my ongoing XXXXXXXX XXXX  and subsequent XXXX, nor my other XXXX XXXX was taken into account Since XXXX I have been a member of XXXX XXXX and used the card for larger amounts than those claimed by Z & A or XXXX XXXX. This means I have had a XXXX  Credit history with XXXX XXXX for over 30 years, where I imagine they have significantly profited from my use of the card in the combination of interchange fees, interest and continued on time payments made by me. Instead of working to resolve this issue and in full knowledge of the conditions that prevented me from gaining employment, have filed suit against me, disparaging my credit history and putting at risk my security clearances necessary to my continued career. 

Moreover, Z & A Filed Suit while parallel pressing on collection calls. Using threatened legal action if I would not accept their payment terms, did not inform me of the time that they would file suit and eventually manipulated the court calendar to facilitate a default judgement, without informing me of the date or time of the hearing. This appears to be their practice and is both harmful and deceptive and uses the courts as a form of judicial extortion on the borrower. ( The default Judgement in XXXX XXXX Tx XXXX was on XX/XX/XXXX ) This is while I negotiated in Good Faith by keeping in regular contact with Z & A representatives handling this matter. 

No only has Z & A operated in a XXXX XXXX unethical and contrary to standards and practices allowed under the Texas law, they have failed to grant multiple requests for conferences with the firm, its attorney 's or other participants in the litigation in direct contradiction to the established rules for XXXX XXXX, TX, its courts and judicial procedural requirements. 

Their representatives continue to call on an almost tri-weekly basis and have been abrupt in many cases when asked about the details of legal action stating that they were " on the public record '' and discontinued the call without resolution or answers that would have enabled me to file a proper answer to the suit. Additionally Z & A has refused to provide me with proof of the debt or the accuracy of their claims in either lawsuits filed in XXXX XXXX TX. 

To make matters worse, now Z & A has filed a parallel suit for monies owed on another XXXX XXXX Account with similar general claims and a lack of supporting evidence and have stated to the court, when the case would have been Dismissed in Want of Prosecution ( DWOP ), that they intend to file for a default judgement, when I have no information to prepare an informed Answer to the lawsuit My credit rating has been decimated and the continuing threats of legal action amount to duress and oppressive practice by Z & A and their client XXXX XXXX
Product: Vehicle loan or lease

In 2020 around XXXX I got notified that I am overdue payments on my SUV  which was leased even though I have set up automatic payment. I tried to reach out to the KIA motor financials ( KMFS ) and they told that it was the tax amount owed by me. I had asked them to send me the invoice for it, but they said they dont have any and they get billed by the Government and I have to pay the same. 

The customer service agent on the line told me that there was a management change in KMFS and they are collecting this amount earlier. Usually they wait till end of the term, but I am liable for it. He also mentions that there are several other people who dont know about this tax and they get hit by this bill and they call them. He directed me to talk to the Municipality. I told the agent that I will talk to them and get back. I talked to them and found that the amount mentioned was wrong. 

Before I can do this they reported me to the credit agency that I was overdue on the payment. I called them and let them know the history and asked them to remove the default note on my credit report. KMFS customer service said they weren't responsible and they did not even transfer the call to anyone who can take care of the situation. 

Also, I paid the amount after that and no follow up came through on the issue even though I requested it. I reported the same to my credit reporter ( XXXX  ). They tried twice and they came back saying that KMFS did not agree to remove the listing. Hence writing to see how to resolve this. In summary 1. This amount has got tagged on to my invoice even though I told them to include all the known cost while leasing the vehicle and set up the amount as a monthly recurring payment. 
2. KMFS were unable to provide any evidence that I am liable for a certain amount and I had to overpay them to resolve the situation. 
3. Now even with the fault on their side and trying to adjust to the new management, they have put me in as a defaulter which has affected my credit score badly.
Product: Checking or savings account

Hello. Im making this complaint because Chase bank denied a fraud report I did on XX/XX/2024. That day, I realized that there were XXXX transactions in my bank account that I did not recognize at all, giving a total of {$880.00} that were taken from my XXXX bank account without my authorization. Then, 8 days later I received a letter from Chase saying that my claim was denied without giving me any reason to deny it. My card was stolen a few days before all this happened and Chase keeps saying that the transactions are correct and authorized by me when obviously THEY WERE NOT. Now my bank account of more than 4 years has a negative balance of - {$880.00}. It seems absurd to me that as a victim of a fraud and a bank as large as Chase does not take care of its customers. I would like you to help me solve this matter and be able to get my money back. Thank you very much.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX  Midland credit managment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX XXXX which has been assigned to Midland Credit Management . I am not liable for this debt, and I do not have a contractual agreement with Midland Credit Management authorizing them to collect any amount from me.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation Midland Credit Management must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX  lawfully transferred or sold this debt to Midland Credit Managment. 
Credit Reporting Correction If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated.

Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I reached out to Global Lending Services ( GLS ) in order to obtain documention regarding the wrongful repossession that they conducted on my previously owned vehicle. Global refused to do so. In addition, I requested a detailed backup of all information they are claiming is still owed on this loan that they have refused to provide. To provide the history of their wrongful practices, it is important to note that on XX/XX/XXXX, GLS sold my vehicle at auction without providing me any notices whatsoever and did not provide me any right to redeem in that process. Instead left me without any means of transportation for work and ultimately cost me my job. Prior to this all occurring, I had been in direct contact with the GLS customer service department and had been informed that they would be working with me since I notified them that I was having mechanical issues with the car and needed time to get payment to them due to the unexpected costs of repair. Instead they sent someone to the repair shop to repossess the car with out any communications and without the 10 day written notices that is to be provided as indicated in their sales/finance agreement executed in XX/XX/XXXX ( sections d, e and f ) not excluding any other consumer rights or remedies allowed by Law. 

I am asking for your assistance in obtaining the documents I have requested so that I can determine the best course of action with this now unsecured creditor and also to report their unethical business practices. These documents are : All notices that should have been provided to me prior to the repossession and after ; The Bill of Sale for the Auction that I was never informed of that occured on XX/XX/XXXX ; and the Release of Lien that occured when they conducted that sale including a full accounting including a amortization schedule of all payments applied to the note from origination. 
They informed me today, XX/XX/XXXX, I would be provided the documents I was requesting is if I paid off the deficiency balance ( that is now considered an unsecured debt ) which is what lead me to reach out to your agency for assistance.
Product: Debt collection

A formal notice was requested for validation of debt in accordance with the Fair Debt Collection Practices Act, 11 U.S.C 1692g. A dispute was filed in the XXXX credit bureau, Midland Funding LLC reported they have investigated and validated the debt. I have contacted this company several times, and they have not been able to provide me with a true copy to validate debt. Every attempt I have made to obtain the requested documents have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Jefferson Capital submitted a derogatory mark on my credit profile, per XXXX. After looking at what this might concern, it appears that this account was transferred/sold and I am no longer responsible for the account. Also, debtor/creditor did NOT notify my of this collection account nor was there an attempt to verify the collection. I have no written form of communication of this account or a record of my signature for this account.
Product: Credit card or prepaid card

XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I have enjoyed a TJmaxx credit card for 5 years. My credit card has a XXXX balance. I haven't charged anything in 6 or 7 months. My credit card has always been paid on time. 

Today, I arrived home to find a letter stating that you have closed my account????? ... due to insufficient credit score????? 

I just received this week a credit card from XXXX XXXX in the amount of XXXX based on my current credit score.
Product: Checking or savings account

My XXXX state tax return for {$220.00} was supposed to be put into my US Bank account through direct deposit. There was a tech error in my account number leading to the wrong account number being sent my deposit. US Bank did not check the name on the deposit to make sure it matched the account number. The bank accepted the funds and put them in someone else 's account. The first I contacted US Bank back in the summer of XXXX, they told me they could not locate the funds and that it must be an error on the State of Iowa 's side. After waiting months to get help from the State of Iowa 's accounting department, Iowa 's bank ( XXXX XXXX XXXX had transaction proof of US Bank accepting the money and provided me with a transaction ID and sent multiple letters to US Bank requesting the funds be returned. US Bank has ignored every letter and most recently said they have 90 days to respond anyway... I called US Bank customer service in XXXX XXXX XXXX. I ended up getting to the claims department. They sent me a claims form to fill out. Within a day, I got a letter in the mail that my claim had been closed because they did not find the funds in my account. That is the problem! Of course they didn't find them. I, then, contacted my local US Bank branch on XXXX and talked with XXXX XXXX. She did some looking into my incident on XXXX and said they did find the funds in another person 's account//the incorrect account number! She said they were going to reach out and try to get the person to return the funds. I asked what if they refuse or do not get in contact with them. She would not tell me the next steps or a solution to that even though they had already tried to call that person once with no answer. It is now XXXX and I have not heard back from US Bank.
Product: Checking or savings account

My drivers license was recently stolen and I have an older XXXX  drivers license that expired in XXXX  it has the same drivers license number as my current one that was stolen. Before I visited the branch at XXXX XXXX XXXX XXXX I called customer service who said I could deposit money with out a current ID if Im the account owner. When I went to the branch in XXXX XXXX XXXX located in XXXX California they refused to let me access my account which is over drawn even though I had a social security card and bank statement and expired ID card. My account is overdrawn yet the branch would not let me deposit money my son is a beneficiary and supposed to be able to access my account he had his ID and the branch manager said he can not access my account even though he is a beneficiary. What good does it to add a beneficiary if they cant access the account? The phone number to this bank is XXXX. Im guessing that this Wells Fargo branch does not value me as a customer denying me access to my own account. When I called customer service they said the branch manager had discretion to accept an expired state ID. I was trying to deposit cash not withdraw money I almost suspect discrimination and prejudice by the bank as they acted unreasonable. Please investigate Im locked out of own account and the bank lied to me and refused service. This branch I would only give 1 out 5 stars. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Equifax for the lack of response to my disputes that were sent. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent XXXX separate disputes to Equifax regarding errors on my credit report. 

To this date, I have not received any response from Equifax regarding the disputes. According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any errors on my credit report within 30 days of receiving my dispute. 

I am extremely disappointed with the lack of response from Equifax and the continued presence of errors on my credit report. These errors are negatively impacting my credit score and hindering my ability to obtain credit.
Product: Debt collection

Company refused to send me a validation of debt XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

My Chase account is frozen and Chase will not close my account until I visit the branch. I do not want to visit the branch because of the ongoing pandemic. I have {$5000.00} and they are holding it XXXX. Please have them close my account and mail my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the information that is incorrect ( FTC report attached ) removed from my credit report
Product: Credit reporting 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 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

MULTIPLE request to close out Checking and Investment account. At least 10 requests over the past 2 months. I have asked the Investment account be closed out, loan paid and checking account closed and all they say is they cant while racking up monthly " membership charges '' They do not answer their phone, Instant Messages or XXXX  Complaints. I want the all accounts associated with them closed and any left over money sent to me.
Product: Student loan

I requested a forbearance on a federal student loan balance being serviced by Mohela. My initial application was submitted on XX/XX/year>. I received confirmation on the screen that the application was submitted, but I never got any communication or status information from Mohela. On XX/XX/year> I submitted a message in my online account asking for a status update on my previous application. On the same day, I also submitted a second application for forbearance and again received confirmation that the application was received. Mohela replied to my inquiry in the online portal on XX/XX/year> saying my application has been received and is pending, once a decision is made I will be notified. I have not received any further correspondence or status updates from Mohela since then. I have called customer service multiple times and can never get through to talk to someone. I submitted another message on the online portal requesting a status update, but at this point it has been over 5 months since my initial application was submitted with no estimate of when a determination will be made or even explanation for why the process is taking so long.
Product: Credit card

In XXXX I was approved for a secured credit card with Discover, I sent {$200.00} and was told that after six billing cycles, if all my payments were on time with every credit card I have that I would get my deposit back and get an unsecured card. 

I did that and they refused. I was told my account would be " reviewed '' every month instead. 

I don't want a " review '', I want my {$200.00} back and an unsecured card like they promised. I've made every payment on time and all my payments on all my cards are current.
Product: Credit reporting or other personal consumer reports

The following agency Experian has consistently reported my private information in regards to a student loan which was taken in XXXX and has continued to be reported. This agencies do not possess written permission, which is required according to 15 U.S. Code 1681b-Permissible purposes of consumer reports, P.L 90-321 ( 82 stat.146 ). 15 U.S. Code 1681c- Requirements relating to information contained in consumer reports. Originally XXXX was the company reporting to the three agencies above ; and now XXXX has taken their place which is in direct violation of the above laws and The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) In attempt to rectify this situation, I have sent many communications informing these agencies of their violations and the harm it has caused and is causing.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent XXXX BTC to my coinbase.com account and it showed up as a confirmed transaction in my coinbase account and on the XXXX XXXX, but coinbase has not updated my account balance so I ca n't withdraw my funds. 

I also bought XXXX Bitcoin on XX/XX/XXXX and held through XX/XX/XXXX and did not receive my Bitcoin Cash Transaction : XX/XX/XXXX I contacted Coinbase customer service XX/XX/XXXX and have n't heard back. I reached out to a Coinbase XXXX support team member on XX/XX/XXXX no response. I contacted coinbase on twitter XXXX and XXXX and still heard nothing. 
CASE ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report immediately