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

Navy Federal Credit Union Attention : Customer Service po box XXXX XXXX, VA XXXX Subject : Formal Complaint Regarding Overdraft Fees and Class Action Settlement Dear Navy Federal Credit Union Customer Service Team , I am writing to formally express my concern regarding the excessive overdraft fees imposed on my account, which I believe to be part of a broader issue that has led to a class action settlement. Like many Navy Federal Credit Union members, I was dismayed to discover that these overdraft fees had accrued in situations where they appeared to be unjustified, particularly in light of the circumstances detailed in the recent class action lawsuit. 

I have consistently managed my account responsibly and feel that these fees do not reflect fair treatment, nor are they in line with the standards I expect from Navy Federal Credit Union. Based on information from recent settlement proceedings, I believe these fees have caused significant financial inconvenience and undue hardship, which I feel should be addressed both in terms of immediate remedy and in preventing future occurrences. 

Given these concerns, I kindly request the following : Refund or Credit for Past Overdraft Fees : As part of the resolution for this matter, I request a refund or credit for overdraft fees that I believe were unfairly charged to my account. Please provide me with a detailed history of these fees and any options for reimbursement. 

Clarification of Settlement Terms : I would appreciate further clarification on how the terms of the class action settlement apply to my account. Specifically, I would like to know whether I qualify for any relief under this settlement and how I can participate if I am eligible. 

Commitment to Fair Overdraft Practices : I urge Navy Federal Credit Union to review its overdraft policies and ensure they are aligned with transparent and ethical practices. This step would go a long way in restoring the trust of members who have been negatively impacted by these fees. 

Please provide a written response outlining the steps Navy Federal Credit Union will take to address my concerns and any relevant information regarding my eligibility in the ongoing settlement. I am hopeful that Navy Federal Credit Union will take this opportunity to rectify these issues and improve its commitment to fair and transparent banking practices. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've been a chase bank user for all of my adult life and having a job where I had to take money to the bank, I had a high opinion of chase. 

On XX/XX/XXXX I received an email saying a wire had been sent for XXXX $ then I saw two more wires. The funds had been taken from my savings and moved to checking before being wired from chase through the XXXX XXXX XXXX XXXX and to a XXXX bank. The total was around XXXX XXXX 

I went to my computer to see what had happened. And then seeing the wires I called their hotline and had my online access frozen. They said they would investigate and I then decided to go to a physical location. So I drove to the XXXX In location and talked with them. They helped create a new account, password and lock down everything. But I also begged them for help stopping the wire itself. They said it would be OK and they were requesting a swift cancelation. That in XXXX to XXXX days my money would be back. 

A few days later and I was told my case was denied because I might have benefited and no word if the transfer could be stopped. Since then I asked for help on the secure messages and called several times, but I am told unless I have some new evidence they won't reexamine my case. On my end I can't see the ipaddress or device logged in. 

I only know days before they enabled wire transfers. There's nothing I can see or do to investigate and I feel I am being told I am trying to scam chase out of my own money. 

Please help if there's other places I can file or send for aid. XXXX was half of all my money saving and all. I just don't want me and my girlfriends work thrown out.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Missed two payments in XX/XX/XXXX and XX/XX/XXXX, but I became up-to-date on my payments and paid the entire card off as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The date of first delinquency for a closed XXXX account ending XXXX is incorrect as reported by Experian. Closed accounts stay on-record for up to XXXX ( XXXX ) years beyond account closure. The date of first delinquency furnished for this account in my Experian credit file causes the duration over which the account reports to be extended by XXXX ( XXXX ) years beyond what it should with Experian. Whereas XXXX alleges the account was charged off on or around XXXX XX/XX/XXXX, and whereas, the date of first delinquency would be within the one-hundred XXXX ( XXXX ) days prior to that action, Experian reports the account is scheduled to stay on-record until XX/XX/XXXX -- that is nearly XXXX ( XXXX ) years beyond which it should remain.The account was wrongfully charged off, and the methods XXXX used to try and rectify the situation resulted in XXXX reporting additional false/misleading/inaccurate information that has and will continue to harm me as a consumer. Not only are the acts and practices of XXXX unfair and unlawful, but they are additionally abusive because I now must endure hardship resulting from XXXX negligence well beyond what is legal under statute unless this account/tradeline is removed because all attempts to get XXXX and Experian to even correct the Date of First Delinquency have failed.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. Im reaching out to request your help with updating some accounts on my credit report. I've noticed that certain details are outdated or incorrect, and Id like to ensure my report accurately reflects my current financial situation.
Product: Debt collection

Wednesday, XX/XX/year>. Midland Credit Management, called me early in the morning, asking me to verify my name, to which I refused until they would tell me who they were. They did not. The more I refused to verify myself to a company that wouldnt verify themselves they began to threaten to take legal action. Afterwards proceeded to call multiple additional times throughout the day. 

They also had someone on the line as I answered, said my name, and, even though I did not answer in any affirmative way what so ever, yet I was transferred to the rude lady from MCM, who claimed that the first person verified that I am who I am. This is a scummy, and unethical tactic that they use to trick people. 

After looking into this company more, and seeing all of the other most likely illegal and shady actions and tactics this company uses I decided to file this complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what is going on over there at the CFPB. I have always made my payments on time. For some reason, I realized that there were 30 days late on this account on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, also 60 days late on this account on XXXX, XXXX. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX  They never noticed me of putting the fraudulent account on my credit after they deleted this fraud XXXX years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already XXXX XXXX XXXX.DESIGNED RECEIVABLE XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on XXXX, XXXX and DESIGNED RECEIVABLE this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and Designed Receivable Identity theft and my consumer rights.
Product: Student loan

Since the XXXX switch, I have had issues with this company, from minor to major. I had difficulty with navigating the website, costumer service was rude and not helpful making me feel uneducated on how to service my loans and they made paying off principal, not just interest impossible, even though I tried to allocate my payments to do so every month. I felt as though I would never get ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete an account that I provided proof in the form of documentation.The collection company is called ; XXXX XXXX XXXX XXXX XXXX. The amount of the bill is $ XXXX.The bill was paid in full by both the orginal creditor and Illinois XXXX . The original creditor is XXXX XXXX ( XXXX XXXX in XXXX Illinois ). The date of service was on ; XX/XX/2017. 

Experian informed me that they can not call or notify XXXX XXXX and that XXXX has informed them that I still owe this bill. Experian did not do a reasonable investigation by simply telling me that XXXX says the information is accurate. I provided legitimate documents to prove this. What protection does consumers have if documents are being overlooked? 

I want justice by having this item deleted from my report immediatly.I have filed a complaint with XXXX and also know that I can and will take XXXX to small claims court to seek up to {$1000.00} in damages, if they do not comply in a timely manner.
Product: Credit card or prepaid card

I applied for Bank of america travel rewards visa signature credit card online. But i come to know that it is rejected with the following reasons : Too many accounts were recently opened Limited deposit and/or investment balances with us and/or our affiliates. This is so weird and strange reason, as they themselves has mentioned that my FICO credit score is XXXX ( XXXX  ). On the 3rd page the reasons provided are not in sync with the reasons provided on the first page. I am attaching this letter. I have no loans or debts- i am wondering - what exactly Bank of america is looking for? Moreover it's is this bank of america which is providing me this offer at XXXX  XXXX and it states " GOOD APPROVAL ODDS '' if i apply for it. It doesn't seems to be fair and good business practices as first you provide the offer to the potential customer and then deny their application. In this process - you have put a hard inquiry in the credit file also. Regarding " Limited deposit and/or investment balances with us and/or our affiliates. '' - i have Business and personal credit card with Bank of america - so i have no idea what they are talking about
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN CAPITAL ONE BANK AND XXXX HAS FAILED TO RE-INSERT MY ACCOUNTS BACK ONTO XXXX. THEREFORE NOTIFY ALL BUREAUS TO DELETE ALL MY ACCOUNTS AT ONCE OR BE SUED IN CLASS ACTION EFFORTS. XXXX HAS SUPPRESSED MY FILE SINCE XX/XX/2015 VIOLATING THE 15 U.S.C. SECTIONg and you are violating the credit furnishers laws. 

see attached.
Product: Student loan

On XX/XX/2019, I reached out for assistance, to. No avail. 

Its very difficult working with them. It has dropped 100 point of my credit report. 

I reached out in XXXX, XXXX, and XXXX. I continue to make 30 payments every month. And its reporting late on my credit. I am the co- burrower, not the primary burrower. The primary person is not working. 


Thanks
Product: Credit card

Hello and thank you for reviewing my case. 

Between XX/XX/XXXX and XX/XX/XXXX, I received fraudulent charges on my Bank of America credit card, which I use very infrequently. The transactions took place within a 10 day period, in six different cities, and mostly cities I was not in and do not have any family/friends there. The total amount was {$1700.00}. 

I called a representative and discussed on XX/XX/XXXX. They began investigating the claim and temporarily removed the charges. I received a letter on XX/XX/XXXX stating the charges were not fraudulent and all were added back to my account. The letter stated : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present.

I tried calling but their offices are closed and will call back Monday, XX/XX/XXXX. However, they did not provide me any additional context. The charges on the account were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 XXXX XXXX report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and Equifax said NO that they and the companies controll what go on the report!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.
Product: Mortgage

Webster Bank made changes to their systems sometime around XX/XX/XXXX and I was not able to use the pay by phone system without speaking live with a customer service agent. In XXXX the agent took my information and processed it incorrectly resulting in a late fee. Webster refunded the fee and at that time I asked if they could tell me why I could no longer use the automated system. They informed me that I would need to go to a bank location and re verify my husband and my identity. We did that in late XXXX and tried to pay the XXXX mortgage by phone but it did not work. I reverted to using my banks online bill pay for XX/XX/XXXX, however, Webster bank does not accept EFT payments so it took almost XXXX weeks for my check to post. I accepted that late fee but planned better in XX/XX/XXXX sending the payment earlier. However, the check didnt post until XXXX after the date a late fee would be assessed and so now I have another late fee. After calling the bank to speak with a manager and summarize whats been happening and asking for the fee to be waived, the representative took my name and said a manager would contact me. A week later no call back from the bank and now Ill have to pay another fee because the bank has an antiquated payment process and made changes that have impacted my ability to pay on time. Using their customer service representatives is not acceptable and often results in errors. Im now reverting to mailing in my own check, which I have not had to order in years, to see if that will fix this issue. I appreciate any assistance from the CFPB to review the payment process of Webster bank as I believe its a tactic to ensure they receive late fee payments from their customers and this is not fair. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ... HAS VIOLATED MY RIGHTS 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
Product: Credit card or prepaid card

" We have conducted another investigation based on this new complaint submission. We were able to confirm that during the time of the transactions in question, the card was in your possession. We are respectfully declining your request for permanent credits. '' ... 

First of all, you don't " respectfully '' do anything. Secondly, you were able to confirm that the card was in my possession??? On what grounds?!?? You've responded to me 3 times regarding this issue, and all 3 times you gave extremely vague answers. Thus far you've given no supporting documentation to back up your allegations ... You claim you've conducted investigations, yet investigations include documents proving the cardholder owes the money ... And I am by law able to request copies of said documents ... 

So -- I " disrespectfully '' decline your refusal to my request for permanent credits ... Furthermore, if you report my account to a credit reporting company as delinquent after I don't pay, the report also must state that I don't think I owe the money. What's more, you must notify to me who gets these reports ... You also must promptly report any subsequent resolution of the reported delinquency, to everyone who got a report ... 

P.S. -- Close my account ASAP as I want nothing more to do with you dirty rotten people ...
Product: Credit reporting or other personal consumer reports

I was once an authorized user on XXXX credit card account ( ending in XXXX ). My association with this account has been terminated and I am not, nor have I ever been financially responsible for the debt associated with it. On XX/XX/XXXX, I received written notification from XXXX that I am no longer an authorized user of the account. I requested that Equifax remove the account from my credit report via their online dispute process. I disputed the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I've disputed the account, Equifax reports : [ " We have researched the credit account. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' ] I received notification from Equifax that they are unable to remove the account from my credit report because XXXX continues to verify that the item belongs to me. Equifax has updated the account as " account ownership terminated '' however Equifax informed me that the account would remain on my credit report due to not only receiving verfication from XXXX that the account belongs to me but also due to XXXX continuing to report monthly historical information of the account to my Equifax credit report. 

On XX/XX/XXXX, I sent a letter to the XXXX Credit Bureau Disputes department requesting information and requesting that they discontinue any and all monthly reporting of the account to Equifax due to my non-ownership of the account. I have not received communication from XXXX since my request.
Product: Credit reporting or other personal consumer reports

Dear Equifax I XXXX XXXX have written this letter to dispute claims that are falsley listed on my credit report with your bureau. The following hard inquiries should not be in 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  I am disputing these claims due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that they removed immediately.