23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX {$3900.00} deposit was paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Uber credit card. This payment was a deposit for a vacation to XXXX XXXX that was scheduled to take place in XX/XX/XXXX. 

XX/XX/XXXX, XXXX Our flight to XXXX XXXX XXXX cancelled by the airline. XXXX XXXX borders were closed to international travelers due to the XXXX pandemic. The travel agent XXXX XXXX XXXX XXXX XXXX ) offered to reschedule our trip to XX/XX/XXXX and we accepted. 

XX/XX/XXXX, XXXX I requested to cancel our postponed trip and receive a refund since the original trip was cancelled due to the XXXX pandemic. The travel agent replied that my deposit would be forfeited if I cancelled our postponed trip. They were unwilling to issue a refund. 

XXXX XXXX I filed a dispute with XXXX for the transaction. Case number XXXX XX/XX/XXXX, XXXX I received a letter from XXXX XXXX they were unable to obtain credit on my behalf because I needed to notify them of the billing dispute within XXXX statement cycles after the charge appeared. This would have been impossible, as the charge took place on XX/XX/XXXX and the trip wasnt cancelled until XX/XX/XXXX ( XXXX XXXX XXXX XXXX I replied to this letter stating that what they were asking was impossible, and they replied stating that they could not do anything else to help. 

XX/XX/XXXX, XXXX I contacted the owner XXXX XXXX XXXX XXXX XXXX and they agreed to refund me for a portion of my deposit ( {$1300.00} ), which was for the lodging accommodations for our trip. They said they were unable to refund us for the domestic flights that were supposed to take place during our trip because the airlines were not refunding them. Refund was received on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Checking or savings account

Bright Money charged my banking account without prior authorization or my consent, and has been doing this scheme to many other users. On XX/XX/XXXX Bright Money did not receive authorization and charged my account for {$39.00} USD for a membership that was not authorized or consented to, as the last time that I used Bright Money was XX/XX/XXXX in hopes to start building credit. 
They ask for your banking details and then eventually put you on an automatic membership and steal users money from their accounts without consent.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App for poor services, unfair practices which violated my consumer financial protection Act CFPA. Cash App has failed to take timely and effective measures to prevent and address fraud on their platform leaving my account unprotected. Cash App dispute resolution process was very deceptive and did not comply with error resolution requirements under the electronic fund transfer act EFTA and Regulation E. These actions have caused significant inconvenience and finical loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to add a false collection debt to my report. Earlier this year is was from one collection agency ( The CBE Group ), and now the same FALSE debt is showing up again from ENHANCED RECOVERY, another collection agency. I have NEVER had any relationship with the company that they say it was originally owed too. The $ XXXX debt was false with the previous collection agency and it continues to be false with this one. I can't be filing complaints for life.
Product: Checking or savings account

This complaint is regarding Navy Federal Credit Union and their excessive account fees, reordering transactions to cause more fees, then charging returned item fees while Im also getting charged returned payment fees from the creditor. In the end, causing me to pay triple the amount of debt owed. Then, after just months of overdrafting when although NFCU was reordering items, charged me thousands of dollars in fees, didnt disperse money and or send transactions as agreed per signed account agreement and elected overdraft/debit card coverage, they decided to close my account without proper notice leaving me with ZERO access to years of account history, statements, payments, refunds, my direct deposit sent to them monthly, and any action ever taken on or for that account. I asked multiple times if they could provide access and I received a response telling me maybe later on I could try to apply for a new checking account. 
In addition to this account they have been collecting on two credit cards NFCU inaccurately reported as late over the past year, accruing erroneous fees, interest, and unnecessary/excessive charges. They email me with my combined statement and I cant even access it. Also, they have called me excessively over the past year attempting to collect on all the accounts even after the credit cards had been paid on. I had to change my number due to the fact that I was receiving over 20 calls a day.

Navy Federal has also obtained my credit reports without my consent multiple times a month each month accounting for about 25 hard credit pulls on each report. That is fraudulent and illegal. 

Ive attempted to contact NFCU regarding all of the above via secure message, phone, and filling out a financial hardship form they requested from me a little over a month ago that I sent in right away. After sending it in, they called and left a message on my home number which was short and did not offer the financial, credit relief, help they advertised to me before I filled out the form. It was misleading and misrepresentation of what they were going to offer me in attempt to collect more information from me and collect more money from me. In no way did they offer help, actually, right after I filled this form out NFCU reported BOTH OF MY CARDS as derogatory 150 days past due or charge offs.

I had financial hardship ONE MONTH, during Christmas of 2018 where I was going through a divorce, attempting to push my way through school as a single parent at the age of XXXX, and had my hours cut unexpectedly from my job of EIGHT years. The one month I had some financial difficulties, they cost me so much in fees, interest, account closure, returned payments, etc., and have been impossible to resolve this with ever since.
Product: Debt collection

Today I received a call at my place of employment, the collector that called never once said the call was being recorded or monitored but left a message with one of my employees for me to call back XXXX ext XXXX and to ask for XXXX XXXX. 

I called back the number left, XXXX XXXX XXXX wasn't available. I advised the woman that I spoke to that they are not allowed to make any contact by phone, and that I only wanted correspondence through the mail. The rep told me the only way I could make payment would be by phone. I told the rep I was sure I could go online and pay or send something through the mail. The rep told me at that point she will put my number on hold. Rep advised me they had the wrong address so I was never made aware that they had my account. The rep also stated that they received the account XX/XX/XXXX and asked for payment. If they received the account on the XX/XX/XXXXand knew that I had never received a letter from them because they had a wrong address then that was over shadowing.
Product: Debt collection

I received a letter stating that I would be sued for an outstanding balance on a hospital bill in XXXX of 2016. The number to the Mendelson Law Firm was listed as a contact to set up payments before the said court date and I have been making monthly payments with this firm since XXXX of 2016. My issue is that there have been several inconsistencies regarding my account and when I ask questions for clarity, the staff just give me the run around and are extremely rude. Every time that I call the firm to make a payment, they always ask me for my routing number, my bank account number, my social security number, and they even went so far as to ask who I am banking with. As debt collectors, that is a violation of the FDCPA and I am aware of my rights. I do not understand why such personal, sensitive information is required just to make a payment on a hospital bill. When I ask them to explain to me why it is necessary for them to have this information, they put me on hold for prolonged periods of time and the responses are vague and rude. They wo n't allow me to speak with anyone else other than this rude rep who goes by XXXX with no last name, which I find highly suspicious. They will not send me confirmation receipts of my monthly payments anymore. When I ask, they tell me that they will send it out within 7-10 business days and I never receive anything. The balance is listed on my credit report so I called the number provided under the account and the rep said that no one is listed to collect the debt except for them. This really makes me think that this Law firm/debt collector is fake and I do n't feel comfortable paying them another penny and I wo n't. I know that the debt is real. I just do n't believe that Mendelson Law Firm is supposed to be collecting on it. They have a rating of XXXX stars out of XXXX on every site I have researched them on and they are not an accredited business. This needs to be investigated. I 'm afraid that they will drain my personal account dry if I do n't continue to make the payments. I feel extremely helpless. There is no way that I owe two companies for payment on the exact same hospital bill.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, my bank was insufficient to provide CashTime Title Loans {$82.00}. On XX/XX/XXXX I came down with something like a virus. But as we speak I still have it. Which isnt normal. I went to urgent care but they didnt give me anti-biotics and said I just had a virus. Our state wasnt testing people for XXXX.  So since then I have been off and on working. I took the news media advice by quarantining so I dont get other people sick.Between XXXX I didnt work at all. So my check today was really small. 

I called CashTime today around XXXX XXXX  today and told them whats going on. I said would you be willing to work with me. I made 7 on time payments of XXXX which totals XXXX and I only borrowed XXXX dollars. So I asked them I have given you XXXX bucks. I had no issues. But now Im really sick - probably from XXXX. I lost a lot of hours at work. I barely have enough for my rent money. Could I give you the remainder XXXX dollars. And we call it even? I no that doesnt include interest. But you have me at 179.15 % APR. normally I understand your running a business. But right now were living in different times - requiring 180 APR during this pandemic is quite hardcore. XXXX from CashTime said we can not do that. We cant just settle like that. I said okay. Well can I give you XXXX. That will cover some interest as well. She said all we can do, is you can pay XXXX dollars toward interest today and have two weeks to pay a normal payment. She talked to her manager and said there was something they could potentially do as well if I cone in. But it sounded like it would just be rewriting or refinancing a new title loan. Which isnt smart if thats true. Not sure what they were talking about. 

CFPB, I wanted to see if there was anything else that could be done. Because holding to that 179.15 APR although technically legal due to contractual agreements in the state of AZ, I feel is unethical and predatoral based on the time were living in.
Product: Mortgage

We refinanced our home and closed on the financing XXXX XXXX2015. Our attorney has her bank statement showing the wire was sent and posted on same date.We have numerous letters in our possession. Wells Fargo collected two months of XXXX Mortgage Insurance ( total of {$530.00} ), XXXX for XXXX and the other half for XXXX. Letter from WF dated XXXX XXXX. 2015 states that only XXXX check for Mortgage insurance was forwarded and the other not paid out. After not hearing from WF i sent a letter Dated XXXX. After XXXX telephone from WF employees,, i wound up with XXXX different stories and non made sense. They are refusing to issue os a check for {$260.00}. They said that that amount was included in our escrow check, but it wasn't.We are retired a couple living on a fixed income and the money means alot to us. No one should go through what we have gone through the stories told by the XXXX employees involved.Please help us. Thank you. we have full documentation on this matter. Please help us.Thank you
Product: Consumer Loan

BBT HAS ILLEGAL RECIEVED A COPY OF MY XXXX AND XXXX CREDIT REPORT FOR A PURPORTED VECHILE LOAN I NEVER APPLIED FOR, LISTING XXXX XXXX XXXX USING MY SSN NUMBER AND RUINING MY CREDIT REPORT AND CAUSING A MIXED FILE I WANT THE RECTIFICATION IMMEDIETLY
Product: Bank account or service

Complaint Against Bank of America There were fraudulent charges of a little over {$1200.00} on my debit card. Received temporary credit. Then the credit was reversed, ostensibly because Bank of America 's Faud office stated this was not fraud. 
The withdrawals occurred in quick succession, at an unknown location far from us, while the card was in our possession. 
The withdrawals do not fit any previous pattern ( evidenced by bank statements for the past 2 years ) of withdrawal and no withdrawal has ever been made at those locations.
Product: Mortgage

I have been attempting to work with Citizens Bank on my HELOC which I can no longer afford. The line is now in the repayment phase and I can not afford the payments. I have gone through their modification process for months and provided numerous documents and information on multiple occasions and they are only able to provide me with a rate reduction and are now requiring I escrow my taxes and insurance which will bring the payment to an even greater amount than I can afford AND was initially attempting to pay. I have requested a longer term up to 20 years so I am able to reduce my payments, but they are only able to extent to XXXX payments. I am struggling to keep my first mortgage and taxes current, student loans paid and I have also worked out payments with my credit card companies. I feel as though I am being forced into bankruptcy. I can not sell my home, I have no where to go and currently have a XXXX who is XXXX XXXX  and struggling with medical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

I have currently been a loyal customer with Capital One Credit for about 5 years now never missing a payment with the company. I have recently discovered an issue with my XXXX Bank with XXXX XXXXXXXX XXXX sending over payments to the credit card company. XXXX XXXX  XXXX have been keeping the fund for long amounts of time showing that its out of my account when payments are sent of my he account. On the other end with my credit card company showing that they have received payment. Being that my bank will show the money out of the account I will continue to pay my other bills but In reality they never took the amount out of the account to the credit card company. This causes payments to bounce and the credit card company to send back the payment. This continued to happen and caused my credit card company to close all remaining accounts with them ( 4 accounts including a business account ). Im no longer able to use the credit card for all my accounts and are not remaining to pay the balance including be charged large amounts of interest each month for all 4 remaining accounts with capital one. I once again never missed payments with them, and would always have to send out more money to them when they would send the payment back. I tried to get in contact with Capital one on this and they replied that there is nothing they can do.
Product: Credit card or prepaid card

Dear Sir/ Madam, I am writing to re-dispute two charges on my account in the amount of {$300.00} and {$940.00}.

I did call a chase customer service and I discussed with a  representative her name is XXXX and she was unprofessional, unhelpful and she has an attitude. 
I told her I got a letter from chase asking me to send me additional information before the deadline XX/XX/2020 and she told me sorry sir we closed the case in XXXX favor! Without waiting for my additional information. On XX/XX/2020 I saw a rebill of {$300.00} and {$940.00} posted to my account. 
Can you please close this case in my favor and credit me again those 2 charges? Because I already returned the items to XXXX and Enclosed are copies of : 1.The shipping label that XXXX has provided to me to return the items back. 
2.Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX   location and when they received it and confirmed it on their website on XX/XX/2020. 
3.Screenshot from XXXX  website stated that there was a shipment exception ( Barcode label unreadable and replaced ) on XX/XX/2020. 
4.An email from XXXX on XX/XX/2020 stated that the refund will be on my account within 10 business days.

5.An email from XXXX on XX/XX/2020 asking me to send the screenshot of the tracking details so XXXX can prove that I sent all the items back to them ( Notice : I sent to the XXXX the Screenshot from XXXX website stated that the weight of the package was 6.3lbs / 2.86 kg when I dropped the package at XXXX location ) 6.An email from XXXX on XX/XX/2020 stated that the return was successful, and the refund will take up to four business days to be reflected in my original payment account ( They send me this email after they got my screenshot from XXXX website stated that the weight was 6.3lbs ).

7.An email from XXXX on XX/XX/2020 stated that there will not be any chargeback related to this order XXXX. 

Please investigate this matter and correct the charges as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit card from USAA # XXXX WAS STOLEN IN XXXX of 2020 and used with out my permission for the sum of {$1700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XX/XX/XXXX, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Debt collection

I started receiving calls from Portfolio Recovery in 2018. In XX/XX/2018, I sent them a cease and desist letter indicating that they were to contact me via mail only. I have received a couple of calls from this year but always pushed them to voicemail. Picked up my line today to advise that they are not to call me. The collector on the other end of the phone repeatedly talked over and advised that I owe them money. I advised to send all notices and correspondence via writing and he continued to talk over me telling me that I owe them money and how do intend to resolve this matter. Their collectors are poorly trained and don't care that they are violating the FDRPA
Product: Checking or savings account

I am writing 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 feed due to lagged posting of charges and credits. This issue aligns with 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: Debt collection

Another financial institution has refinanced my car. They continue to pressure me to pay for the vehicle, although the new Lien Holder and I completed the refinance before the monthly payment. XXXX  calls me 2 to 3 times a day to collect payment when I do not owe them anything. Any issues relating to the car should be solved with the institution in charge of the payoff made which is my new Lien Holder. 

They even call me on the weekends! This needs to stop, and better communication needs to be a thing.
Product: Student loan

Called Mohela XX/XX/2022, advised it was filed. 
Called XX/XX/2022, on hold for 2 hours, I hung up because 2 hours. 
Called XX/XX/XXXX, was told " it's filed '' and nothing beyond that. 
Also sent two secure messages through MOHELA portal, no return message.