23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX, I emailed a letter to Regional Acceptance telling them to stop calling my place of employment. I followed up with a phone call stating the same. I was told that my work telephone number would be removed from their system. I provided XXXX alternative phone numbers to reach me. Regional Acceptance continues to ignore several requests made by me. " XXXX '' a Regional Acceptance employee called my employer in an attempt to reach me on XX/XX/XXXX. I have a copy of the email I sent and a recording of the last phone call received after the company was told to stop calling.
Product: Money transfer, virtual currency, or money service

I purchased {$200.00} worth of Ethereum totaling XXXX ETH after fees off Coinbase. There was an error and I received an email cancelling the order. The occurred on XX/XX/XXXX. My bank account was debited {$200.00} and the charge is not reversed. In my transactions, I see the amount purchased and another event called " Sent to coinbase '' showing the purchased Ethereum transferred out of my account. Coinbase has not responded since.

Case # XXXX.
Product: Checking or savings account

I want to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due 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 Im requesting an investigation into my account transactions.
Product: Credit card

I have a capital one card that has a hi balance and I never opened it or used it but I know we didnt have someone living in our house who always stole my stuff. Im going through identity theft.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX! 
I need my name and current address corrected immediately! And others removed, Ive sent numerous email and documents. I would like for someone to take immediate action! 
Theyre reporting addresses Ive never lived at and Im not receiving any of my mail from them.
Product: Credit card

I made a purchase on XX/XX/XXXX from XXXX XXXX  for {$76.00} the product was showing delivered by the post office however it was delivered to the wrong house because I never we received it. I put in a claim with the post office and also Chime bank back on XXXX XXXX. Chime is telling me I need to wait until XX/XX/XXXX to be credited the {$76.00} which I find ridiculous.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Navy Federal Credit Union has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -- - Except as provided in paragraph the term " consumer report ' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

I called cash app and and anger called me back. In could not access my account. XXXX XXXX  .My customer paid for uniforms and mistakenly sent the funds to the wrong cash app ( XXXX XXXX ) XXXXThe agent told me to open new account and they would send the funds to that account. They also advised me to contact a person I transact with to in order t ok bc verify that the funds wo up ld transfer there if not I'll by ok no ee account. XXXX XXXX was the person I chose. Her acco in by was hit as well as and put in n over draft too.The attached documents are the activity logs from my cash app. My account was over drafted {$600.00}, and hers {$1900.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scheduled to receive a XXXX debit card in the mail from Bank of America and never received it. When I contacted them, they claimed that the card had already been activated and {$4300.00} was spent on the card already. I disputed the claims and told them that the claims were all fraudently. They closed the account and mailed me a new debit card. They initiated a fraud investigation but then mailed me a letter stating that they stand by their original decision and specifically state that " No posting error has occurred on your account ''. I'm not sure why they use the terminology " posting error '' when these were fraudulent charges. Unfortunately, thousands of receipients of XXXX funds have been subject to the same massive fraud scheme intercepting or stealing these accounts which are not sent out with a security chip. I have spent many, many hours on hold with Bank of America and have to call them multiple times to get through with wait times sometimes in excess of 2 hours for their fraud department.
Product: Debt collection

The aforementioned credit collection agency representing Account Resolution Services has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX  and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Account Resolution Services does not have any documentation, they need to retract this from my credit file immediately.
Product: Debt or credit management

I am writing to file a formal complaint against Experian concerning their failure to address the inaccuracies on my credit report. As them to delete Bankruptcy which os not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Well, in reviewing my credit profile from Experian Credit Bureau I've noticed that my request in removing addresses listed on my consumer file are still showing as my homes addresses which is totally inaccurate as previously noted. I do not know the whereabouts of these addresses but it's in my Federally Protected Consumer Right according to - 15 USC 1681 i ( 7 ). that state that everything is to be complete and accurate. 

I've never lived in any of these addresses as they're listing as business addresses * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * XXXX XXXX  XXXX XXXX, XXXX XXXX CA XXXX XXXX 15 USC 1681 i ( 5 ) ( A ) ( i ). State that inacurate information is to be modify or deleted per status or incure a violation of a {$1000.00} per error or per item *****See Attached copy of report Thank you
Product: Checking or savings account

This new complaint is connected to my last complaint : XXXX. Navy Federal Credit Union said, " ... .On XXXX XX/XX/year>, a replacement cashiers check was sent to our members address of record. Should XXXX XXXX have any questions, she may contact us anytime toll-free at XXXX ( XXXX ). " However, after multiple calls to NFCU, I was informed yesterday that a check was mailed out, but they have no information on itno tracking number, no delivery confirmation, and no details on whether it was actually sent. Instead, they are asking me to file a declaration of loss, which I am hesitant to do because there is no proof that the second check was ever issued or sent. 

I originally thought NFCU had provided me with the tracking number for the most recent check, but after further inquiry, I realized that the tracking number they gave me was for the first check they sent, not the second one. XXXX confirmed this by sending me proof of delivery documentation for the first check. 

Adding to the confusion, both XXXX and NFCU are now saying that a check was returned to NFCU. But this does not make sense, because : I physically had the first check before it was lostI did not return it. 
For the second check, NFCU has no tracking information or proof that it was actually sent. 
If something was returned to NFCU, it raises the question of what exactly was returnedthe first check ( which I lost ) or the second check ( which they cant confirm was sent )? 
I am requesting that NFCU provide actual proof of mailing for the second check, including a tracking number or any form of verification that it was sent. If they can not provide proof, I believe they should issue a new check without requiring me to submit a declaration of loss for something they can not prove was ever sent.
Product: Mortgage

I AM LOCATED IN XXXX ILLINOIS. THIS STATE SEEMS TO HAVE FALLEN OFF THE RADAR FOR REGULATORS. IT ALSO SEEMS THAT OUR STATE REGULATOR- THE IDFPR, DUE TO FEE REVENUE, IS IN THE POCKET OF THE REAL ESTATE ASSOCIATIONS. 

OVERSIGHT AS A WHOLE SEEMS WOEFULLY INEFFECTUAL REGIONALLY. I SEE A GREAT DEAL OF COLLUSION BETWEEN REAL ESTATE BROKERS AND MORTGAGE COMPANIES IN AN ATTEMPT TO NOT DELIVER VALUE BUT TO CAPTURE MORE REVENUE SHORT FULL DISCLOSURE. 

WE HAVE MANY COMPANIES THAT ARE TIE INTO EACH OTHER USING 'MSA 'S AS A FIREWALL OR FRONT IN DIRECT VIOLATION OF CONSUMER INTERESTS. SOME OF THE FIRMS I WOULD LIKE TO MENTION ARE : GUARANTEED RATE, HOME STATE BANK, XXXX XXXX XXXX XXXX REAL ESTATE, PROSPECT MORTGAGE, XXXX WITH XXXX XXXX AND PILLAR MORTGAGE DIVISION OF XXXX XXXX XXXX. 

GUARANTEED RATE SEEMS TO BE PROLIFIC. THE COMPANIES THAT CHANNEL BUSINESS TO GR FOR PROFIT ARE, TO NAME A FEW, @ PROPERTIES, XXXX XXXX AFFILIATED, XXXX XXXX AND MANY XXXX OFFICES. 

CONSUMERS ARE NAIVELY DIRECTED TO THESE XXXX MORTGAGE COMPANIES AS THE REAL ESTATE BROKERAGES PREFERRED LENDER AND IN 99.9 % OF THE CASES NO DISCLOSURES IS GIVEN TO CONSUMERS THAT A FINANCIAL BENEFIT EXISTS BETWEEN THE FIRMS.
Product: Debt collection

Enhanced recovery compan keep calling me from multiple number about a XXXX XXXX account of {$690.00} that I see on my credit report but I do not have any knowledge of this account. I would like for this company to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.
Product: Mortgage

Amerihome mortgage attempted to take advantage of us following the XXXX XXXX period. 

Trying to force us into a " XXXX '' loan modification, even though the earlier correspondence mentioned " Deferment '' as an option. 

Additional Elements : _______ - Funneling us into " debt collection '' messaging - Threatening the full amount of the suspended payments Thank You
Product: Debt collection

This is a formal complaint against XXXX XXXX XXXX located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

Looked at my credit report onXX/XX/XXXX and noticed a new account. The account is under MIDWEST RECOVERY SYSTEMS. I called the number today XX/XX/XXXXand spoke to a representative and he informed me that the debt is for a payday loan that I took out in XX/XX/XXXX from a company called XXXX XXXX in XX/XX/XXXX. I have never heard of the company nor did I take out any payday loans. The representative told me that e would do a debt validation letter and I should receive a letter in the mail. This company has contacted me before claiming that I owed another payday loan from another company a year ago that I disputed and I had it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid-XX/XX/XXXX we discovered we had a number of delinquencies on our XXXX XXXX XXXX XXXX account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XX/XX/XXXX, we found that our XXXX account had late payments showing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. XXXX XXXX disagreed with our dispute of these entries. We then spoke directly to XXXX XXXX in late XX/XX/XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX, MT. We received a response from XXXX in early XX/XX/XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. XXXX completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX and XX/XX/XXXX.
Product: Vehicle loan or lease

We leased a XXXX XXXX through Ally Bank ( which is now the main leasing financial bank for XXXX ). During the time we leased I was caught up in a photo enforced traffic light in Washington DC. DC DMV sent the ticket directly to Ally as they were the title holder and never sent it to me the leasee. Ally is extremely slow with their internal processing and finally sent me the ticket info almost 60 days after they received it. This was in XX/XX/XXXX when the ticket happened. I immediately contacted DC DMV and asked for the photo which they could not produce. I submitted a formal letter to them disputing the ticket which was in process. By the time Ally sent me the information the ticket went from {$150.00} to {$300.00} due to 30 day time limit to pay ticket. If I was informed in a reasonable time frame I would have been able to not only get out of a fraudulent ticket but also save {$150.00}. Ally then paid the ticket, locking me into paying the fine. I have a totally clean driving record with no tickets and had my entire family in the car. I do NOT run red lights ... .. I tried calling customer service many times to resolve. They will not send to a supervisor. I sent a formal letter with all of the information and they never responded. I finally bought out the lease in XX/XX/XXXX through a XXXX Dealership where we originally leased the car. They called Ally and got a complete buy out for the car. I got a loan, paid Ally and got the title for the vehicle. Once again, months go by and Ally sends me a bill for {$310.00}. I now have the car, title, bill of sale and Ally is looking for more money. I have tried every avenue to resolve and at lease get them to pay the {$150.00} due to their poor internal processes that created late information transfer. No one would talk about it, only tell me that I owe them this money. Recently they sent me a letter threatening to send me to collections and report me to the credit bureau. I have 800+ credit. I paid them their money but want no one else to deal with this bank. I have recently found quite a few more people that have had similar problems with them. One person I work out with recently leased a car. Their slow processing sent her the first bill in the mail ten days after it was due and charged her a late fee. Once again rude customer service and no escalation process to dispute. They are pushing their inefficiencies onto consumers without recourse and threats of ruining their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
Product: Credit card

XXXX XXXX American Express Credit Card made the fraud advertisment and did not pay {$400.00} flight credit as well as XXXX bonus miles as stated online. I opened XXXX and XXXX XXXX XXXX XXXX together, but the XXXXXXXX XXXX XXXX provided all of the benefits but American express did not provide any of the promotion credit but charged all of the fees. American Express can be sued for false advertisement and fraud activity to the new credit card holder. American express also lowered my XXXX XXXX using my credit reference. They hire XXXX company representatives and they do not speak English well and this type of credit card company should not exist.
Product: Credit reporting

XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from XXXX and Equifax. When I put a dispute in for XXXX and Equifax, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with XXXX and Equifax. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XXXX, and the XXXX XXXX XXXX item was removed.
Product: Mortgage

Our loan was with Ditch, and Ditech went bankrupt. The loan was acquired by Shellpoint Mortgage Servicing. Shellpoint continues to make errors in our account. 
Money is paid into our escrow account each month. Out of those funds, Shellpoint pays the bill for our home insurance and flood insurance. Then, Shellpoint sends us letters saying that we don't have such insurance, and the company is going to purchase a policy and add that amount to our loan, thereby increasing the amount we must pay each month. Also, the taxes on our property have been officially deferred in XXXX XXXX, TX. Shellpoint acknowledged that they received documentation to verify this deferral. In spite of this, Shellpoint sent a payment of {$14000.00} to the XXXX XXXX XXXX XXXX. Now, Shellpoint sent an escrow analysis saying we are short that amount in escrow, and they are going to increase our monthly mortgage payment by more than {$2000.00} per month. We continually have to spend time calling Shellpoint, sending faxes to the company, having our insurance agent re-send verification of our policies, etc., in order to have Shellplont correct its many errors. This has become harassment. It has negatively affected our lives ... financially and emotionally.
Product: Credit reporting or other personal consumer reports

Please refer to the attached XXXX  I have submitted with this complaint for complete information and reference. 

At some point around the time that an account was opened with XXXX milestone credit cards, my purse was lost/ came up missing and inside of it was my wallet and other documents ( bills, etc. ) from the mail I received that day all of which contained sensitive information that would be valuable to anyone wanting to use it to steal identity and that is exactly what happened.

I had absolutely no idea that the account was opened until I ran my own credit report and monitoring because I saw how low my score had gone. I was shocked to find the outstanding amount to be over {$800.00}. I did not spend any of that credit, I did not open the account I did not charge anything to this account and i filed a dispute with Experian whoc resulted in the company, XXXX, basically refusing to remove it from my report. I am not going to pay a cent to them because number 1 I did not open this and I did not charge anything to the account. I never knew it existed it was created without my knowledge by a person assuming my identity and this company dropped the ball during the identification verification process.

it is highly likely they were conned and this account was fraudulently opened. it is not my fault this company was lied to. please help me!
Product: Consumer Loan

From the Desk of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Email : XXXXXXXXXXXX XXXXTo Whom It May Concern, I am writing this letter in the hopes that you will help me with this unfair and overwhelmingSituation that I find myself in. I believe now that these original consumer lease agreement that was granted to me by Ford Credit Company was illegal and violated my rights as a consumer. I will list below some of the issues and facts that are the most obvious and reference. 

The Ford Dealer and the Company Ford Credit discriminate me by my national origins offer me XXXX flipped loans with terms that are less favorable, like a higher interest rate. 
The company flipped my cars 3 times and the last time it was a lease .I got a Ford Explorer XXXX for 24 months lease terms. 
The payments were very high at the end of my Lease after 24 months Ford Credit told me that I have 36 months. I asked them that it was not what I signed it in the Ford Dealer. 
The Ford dealer closed it. Now Ford Credit has those Predatory Lending contract with the 12 months added by the dealer that now it is not in Business for fraud and malpractices. The Dealer represents Ford Company as a Franchise. Ford Credit has the predatory lending contracts. I am paying for every month to Ford Credit, not to the Dealer. 
The company offer me in market the same car a Ford Explorer with a lease for 24 months for {$220.00} per month. My lease was 24 month for {$470.00} per month and also the Ford Dealer and Ford Credit added another year.I am paying almost XXXX around 50 % interest compare with the prices in the market. 
It looks to me like a Predatory Lending in a car lease and flipping of Car Loans. 
I need the reimbursement me for the high interests that I did pay already for my lease. 
I need assistance from the Financial protection Bureau to stop the harassment, abuse and stop the treats of legal retaliation in my credit report. The Lease is over paid. 
Best Regards, XXXX XXXX