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

Iam writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Dispute having sufficient when transactions where authorized, I was charged fees do to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I am writing to you under a Power of Attorney given to my husband and I by our son XXXX XXXX XXXX. Bank of America is giving us what can only be described as the " run around. '' In approx. 50 days, XXXX XXXX XXXX, our son 's payment on a HELOC issued by Countrywide will triple. He has been paying interest only on the loan for 10 years, so he has paid them roughly {$35000.00} in interest. He inquired about a refinance or loan modification in XXXX XXXX, which was denied by XXXX XXXX. When we finally got her to call us back to inquire about the confusing denial letter, she said the correct way to proceed was with a Making Home Affordable Application. She requested and we sent her the POA and on XXXX XXXX, XXXX, we XXXX the completed application. On XXXX XXXX, XXXX, BoA issued a letter to XXXX saying that XXXX XXXX would no longer be our dedicated representative. The letter gave us a new number to call for status : XXXX. A loan specialist named XXXX called our son XXXX XXXX XXXX on Wednesday XXXX XXXX, XXXX. Our son referred the loan specialist to XXXX XXXX XXXX under the POA. The loan specialist said he could not find the POA in the Bank 's document system. He asked us to fax it again which we did. The fax was confirmed. Checking back with BoA we were connected with XXXX different people each of which could not answer our inquiry and none of them could locate either POA, nor the application. I feel certain that these are delay tactics in order to spin out the time until the payment triples and then they will sell the loan making modification nearly impossible. I wrote to the monitor recently because I do n't think BoA is acting in good faith. It is overlooking a whole category of borrowers drowned by Countrywide. I am attaching the letter to the monitor and XXXX complete application which states how he was harmed. Anything you can do in this case to make sure XXXX gets full and fair appreciation will be greatly appreciated. XXXX XXXX XXXX XXXX ( by POA ).
Product: Checking or savings account

So California 's Bank of America EDD debit cards allows you to make a one time transfer to another bank. I used my one time transfer and transferred XXXXXXXX XXXX to someones account for a purchase ... BOA took the {$5000.00} and that persons $ XXXX paycheck and closed their account saying I was not supposed to send a transfer to some one else 's account. I had been put through the ringer for about 2 years trying to retrieve our money! BOA ( which the other person banks with ) said they sent the {$5000.00} back to EDD and that they would send the remaining balance of the other persons paycheck which they never did either! I've contacted EDD they informed me that they didnt receive any money as they CAN NOT receive any money back! After I told BOA that, I was then also informed that they did not send the money back to EDD because EDD did not submit a claim form.
Product: Credit reporting or other personal consumer reports

I went to check my credit report and it stated I have some unauthorized and unverified inquiries on my report that I didnt make myself. They were from 2 credit bureaus ; XXXX XXXX XXXX. XXXX was a XXXX XXXX  inquiry from XX/XX/XXXX & the XXXX was another inquiry made via OneMain Financial on XX/XX/XXXX both of which I dont have any open accounts with. Ive called each of the banks to get this problem solved and nobody was able to assist any of the several times I called. Either I was talking to a computer, a person with a strong dialect that I couldnt understand, or just people redirecting me to more people who couldnt help me after being on hold for hours at a time.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested removal of the charge off account currently reporting on my credit report. In response, I was told they were unable to locate the credit file for me which raises more concerns. Under the Fair Credit Reporting Act ( FCRA ) is to accurately report and maintain information on consumers ' credit files. The inability to locate my credit file does not absolve your responsibility to respond to my dispute properly and verify or remove inaccurate information. I submitted all required personal identifying information, including [ list any information you provided : full name, address, Social Security number, etc. Because XXXX can not locate my credit file, the charge-off in question can not be properly validated and should therefore be removed from any records or reports tied to my identity.
Product: Credit reporting or other personal consumer reports

I have reached Transunion Credit Bureau several times to dispute incorrect information for an account on my credit report for account XXXX XXXX. I told them several times that the information is incorrect for the account remarks/status. XXXX XXXX  on my credit report is showing XXXX XXXX Wage Earn Payment Plan Account. It needs to say discharged under XXXX  XXXX bankruptcy. I have called XXXX XXXX and they tell me it is a Transunion problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}, XXXX XXXX XXXX Balance : {$22000.00}, DEPARTMENT OF INTERIOR XXXX Balance : {$19000.00}, DEPT OF COMMERCE XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I see multiple 30-120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

In XXXX of 2021 i switched from XXXX to XXXX XXXXXXXX. I was not on contract and with ( XXXX  ) to come into store. I refused and they billed me for the next month and only the next month. If anything they owe me for a half month of service. They have collection agencies harassing me
Product: Credit reporting or other personal consumer reports

I send out a dispute to XXXX, Experian and XXXX and got results back as of XX/XX/year>. They stated that bankruptcy XXXX XXXX ref XXXX XXXX was verified and updated. I received a letter form the court recorder/court office stating they do not verify information with any credit bureaus. The credit bureaus lied and stated it was verified, but when asked for documentation could not provide, which is a violation for FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The recorder or courts did not verify information because they don't give information, and never verified, so I would like it deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NUMEROUS TIMES I HAVE REQUESTED EQUIFAX TO REMOVE THE FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITORS DIRECTLY THEY HAVE INFORMED EQUIFAX TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORT.
Product: Credit card or prepaid card

( Related to XXXX-XXXX-XXXX  # XXXX & FTC XXXX with XXXX & FTC XXXX with XXXX  ) On XXXX, Discover approved COMPLAINTANT 'S credit line application that was pre-approved. After that, COMPLAINTANT has put in a separate application for a checking account. SSN, Passport, Driver 's license, and utility bills were all uploaded for each application. However on XXXX, when COMPLAINTANT called Discover, its representatives and COMPLAINTANT had the calls disconnected for 8 times until 9th and 10th calls went through. ( After each time COMPLAINTANT stated his SSN, DOB and address, calls were suddenly disconnected ). Later on there was an error on the application which required COMPLAINTANT to put in another application to successfully generate a check account. On XXXX around XXXX XXXX  PST, COMPLAINTANT attempted to setup a XXXX profile within Discover banking website. COMPLAINTANT is a user of XXXX cellular tower in the area via mobile-virtual-network-operator " XXXX XXXX. '' Discover uses SMS number XXXX to send temporary passcode to its users. However, from XXXX to XXXX XXXX, COMPLAINANT has experienced delays in receiving these codes via SMS text or emails. Sudden surge of text messages within 2 second span of time clearly shows that some other factors were preventing these messages/calls from going through. This has been a recurring issue and COMPLAINANT has corresponded with " XXXX XXXX '' around XXXX and its representative has indicated that there's no widespread issues with XXXX  cell-tower affecting other users in COMPLAINTANT 's area nor in general. " XXXX  XXXX '' indicates that this is possibly due to usage of " femtocell '' or cellular network / IMSI catcher/ etc in COMPLAINT 's neighborhood area as no issue is reported with XXXX network nor " XXXX XXXX '' customers in general. On a different note, COMPLAINTANT has reached out to Discover on XXXX at XXXX XXXX for XXXX XXXX/XXXX issue. Its debit card remains on XXXX XXXX XXXX/XXXX  system yet credit card was not being added to XXXX XXXX system. Discover representative has blamed XXXX for refusing to allow its card on its system. COMPLAINTANT wonders how many of Discover or XXXX XXXX customers have their credit cards not be added on XXXX XXXX system. On XXXX XXXX, COMPLAINTANT has emailed Discover per its request for investigating this issue further.
Product: Mortgage

We applied for a loan modification in XXXX of XXXX, we completed the XXXX payment process outlined by the XXXX XXXX and was told that as part of the process when completed they would be sending out loan documents for us to sign and return. 

Apparently they sent out these documents to us via XXXX  we were not notified via email that these document were even sent to us and no tracking information was sent to us for me to track the location of the package. 

When I called recently I was told that they sent the documents out to us but never heard back from us regarding the documents in question, I asked how would i call you to follow up on something i was not made aware you even sent to me, I was not provided with an email or tracking information only your word. 

We subsequently was offered a XXXX attempt at a loan modification on or about XXXX of XXXX, I was told that I needed to make the XXXX  monthly payments and complete the process for the modification to be applied, I made XXXX of the XXXX payments and overlooked XXXX due to recently starting a new business and being very busy. 

I have tried to reach out to them multiple times now to address this issue and was recently sent a denial letter via the online website ( I received an email about that document but not the loan documents being sent to me for the first loan modification ) I was told that the decision is final and that their is nothing more they can do the foreclosure process is starting. 

They are not taking any responsibility for any part of their failure for the first completed loan modification only focusing on the XXXX half.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally address a significant concern regarding the tardiness in opening my account with Credit Bureaus. Despite submitting all necessary documentation and fulfilling the required procedures well within the stipulated time frame, I am dismayed to find that my account has not been opened promptly. 

The delay in opening my account has caused inconvenience and frustration on my part. As a customer, I expected a seamless and efficient process, especially considering that all prerequisites were completed diligently and in a timely manner. However, the failure to open my account within the specified period has disrupted my financial plans and caused undue stress. 

Moreover, the lack of communication regarding the status of my account exacerbates the issue. I have made numerous attempts to seek clarification and updates, but the responses have been vague and unhelpful. This lack of transparency only serves to compound my dissatisfaction with the service provided. 

I would like to emphasize the importance of addressing this matter promptly and ensuring that corrective measures are implemented to prevent such occurrences in the future. Timely and efficient customer service is paramount in maintaining trust and satisfaction, and it is imperative that steps are taken to uphold these standards. 

In light of the inconvenience caused, I kindly request immediate action to expedite the opening of my account and provide assurances that similar incidents will not happen again. Additionally, I would appreciate transparent communication throughout the process to keep me informed of any developments. 

I trust that you will give this matter the attention it deserves and take appropriate steps to rectify the situation promptly. Your cooperation and prompt resolution of this issue are greatly appreciated. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed I had a balance of XXXX. I didn't want a balance showing on my credit report so I went online to pay off the balance. The site showed I could make a same day payment up until XXXX XXXX. I tried to make a payment at XXXX XXXX but the payment site kept showing the payment would have a posting date of XX/XX/XXXX ( next day ) I called Barclays at XXXX XXXX  and spoke to XXXX ( on a recorded line ) and was able to make the payment over the phone. XXXX repeated the amount and verified the account I wanted the payment to come out of. I had to verbally give him permission to make the payment. He stated the payment was made as of the XXXX but I wouldn't see the available balance until two days. A payment of only {$27.00} was made and it posted on the XXXX, the day after statement posting. I have attached the screen print of my attempt to pay on line, first line shows same day payment up to XXXX XXXX, the lower right corner shows the time of XXXX XXXX when I attempted to make the payment online after talking to XXXX so I could see that it payed and be sure it was going to post for that day. The second attachment shows my statement summary of the account with a statement balance of XXXX and a payment of only {$27.00}. I called back on XX/XX/26 when I noticed the balance, I spoke with XXXX around XXXX XXXX and the resolution was they would notate my account for the issue and open a case.s
Product: Credit card

Chase markets a " Slate '' card with a no fee balance transfer and 0 % APR for 15 months. This is found via XXXX. Chase 's online application process walks you through steps that include a request for balance transfer. Chase 's process is to bait the consumer with a rate/fee available, to then take information for purposes of a credit check, then to step the consumer through a process of obtaining the card, and only then AFTER the card has been issued, to inform the consumer that they do not in fact qualify for the " premium '' pricing that is marketed for the card. In other words, Chase 's online process does not permit the consumer an option to decide whether to accept the card, given the actual pricing, before the card issues. I called Chase immediately and registered this concern, and they cancelled the account without charge. Nevertheless, this impacts my credit report and is deceptive marketing.
Product: Mortgage

Mortgage servicing company is holding escrow for property taxes. Taxes were due on XX/XX/year>, and remain unpaid. They have the wrong date to be paid, and interest is being added each month due to non payment. I submitted the tax statement via email to address provided by customer service, however still no resolution. Followed up 3 times by phone with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/2022, a hard inquiry appeared on my Equifax credit report. When I saw that on my credit report, I immediately called the lender, XXXX XXXX. I told XXXX XXXX that the application done under my name was fraud ( application ID number : XXXX ). The XXXX XXXX representative I spoke with stated that they flagged the application as fraudulent, which resulted in the application being denied -- good! However, I went to Equifax 's website to dispute the hard inquiry from XXXX XXXX that I mentioned at the very beginning. After clicking " submit dispute '', Equifax 's website stated that they will investigate the dispute and contact the lender ( XXXX XXXX ) and it could take 30 days. However, XXXX minutes later, I get a notification from Equifax stating that my dispute has been denied. Their reason? " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. I am a victim of identity theft! Equifax did not even contact the lender ( XXXX XXXX ) to investigate my dispute. XXXX XXXX agrees that this is fraud. Why? Because I was the one who called XXXX XXXX to let them know that it was fraud!
Product: Debt collection

National Enterprise Systems called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with XXXX  XXXX first. He informed me that he was calling on behalf of XXXX XXXX XXXX  to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX XXXX  and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXXXXXX XXXX XXXX  that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors.

I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said two more times. I then told him no and I would call him back. 

Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called XXXX XXXX. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that. 

I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression. 

Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by XXXX XXXX XXXX 

Im attaching the letter where they told me they could get me down to XXXX to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} -DEPT OF EDXXXX XXXX Balance : {$18000.00} -DEPT OF EDXXXX XXXX Balance : {$8300.00} -DEPT OF EDXXXX XXXX Balance : {$7700.00} -DEPT OF EDXXXX XXXX Balance : {$5400.00} -DEPT OF EDXXXX XXXX Balance : {$4200.00} -DEPT OF EDXXXX XXXX Balance : {$2000.00} -DEPT OF EDXXXX  XXXX Balance : {$1900.00} -DEPT OF EDXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} -XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I dont believe that Experian investigated my dispute in XXXX of XXXX I was never send information from any party that the information was accurate and true. Under code 15 U.S.C. 1681i
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these inaccurate accounts and unauthorized inquiries ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX