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

Dear Navy Federal Team, I hope this message finds you well. I am writing to appeal to unfreeze my accounts number ending [ XXXX ] i deposited a check that was fraudulent unknowingly to me I was unaware of its fraudulent nature at the time of deposit. 

I understand the seriousness of this matter and wish to rectify it immediately. Please advise me on the necessary to resolve this issue and mitigate any potential repercussions. I believe there has been misunderstanding or an error, as I have always maintained compliance with all my accounts term and conditions. 

However I was unable to collect the funds from the check and the bank didnt take a financial lost. I lost my mother and was expecting a settlement check of over XXXX due to the hardship of eviction and tremendous amounts of pressure I was facing I reached out to an investor and explained my situation and said I needed a loan. He told me he would write me a check and I would pay loan of in a couple of months when I received my settlement check in XX/XX/year>. 

Just for transparency Ive been a loyal customer of Navy federal credit union for a couple of years and have always maintained my account in good standing. I have maintain direct deposits and have never experienced any late fees, or other issues that would warrant this sudden closure. 

Some of the products I have open up are a navy flagship check and savings account, pledged loan, XXXX certificates XXXX XXXX  account and a secured credit with a deposit of XXXX dollars in it. I 100 percent love the relationship I have built along the way and would like to continue to build and grow with navy federal credit union. 

I believe that a fair and open dialogue can address any concerns you may have and potentially lead to a positive outcome for both parties. 

I apologize for any inconvenience caused and appreciate your prompt attention to this urgent matter. Mistakes are made but that should never define who we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX  XXXX  tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX  XXXX  I have been reaching out to both with no help I would like all late payments off my reports
Product: Checking or savings account

Square deactivated my account the same day I recieved a deposit for XXXX. They are refusing to release the funds or send it back to the originating bank. They keep saying go to the app and refund it. Which I can't because they held all funds as if it was never deposited but I have proof from their app and the originating account bank statement.
Product: Credit card or prepaid card

I ordered windows and installation for my house with XXXX company on XX/XX/2018. The window is a special order. ( measured of my windows ). I was told the windows would be delivered on XX/XX/2018. However, I was notified that the windows would be delayed till XX/XX/2018 and installation is no time to be scheduled. I contacted XXXX XXXX on XX/XX/2018 and was advised that I had a choice to pay windows ( material ) at the signing contract, and then pay the installation fee when the windows are being installed. I told XXXX that I was not advised nor offered such option. Since, my windows ' delivery date is not certain and I wanted to have the installation refunded. 

XXXX XXXX XXXX XXXX executive office told me initially that I could get refunded of installation fee on XX/XX/2018. On XX/XX/2018, she told me that I couldn't get refund. 

I contacted TD Bank which issued my credit card to dispute {$3000.00} of the supposed installation fee which have never been provided. A representative of TD Bank told me that it would take 90 days to investigate the dispute while I have to pay the money for the service which I did not receive. 

I am forced to pay TD bank for the charges of service I did not receive. 

TD Bank is supposed to protect consumers ' rights. It has failed me in that it did not take my dispute seriously nor offer conditional credit for the amount of money I disputed.
Product: Credit reporting or other personal consumer reports

I have been trying to see my credit report for the past 30 days and it has not refreshed even though I pay for this service. 

I spoke to someone a month ago who said they messed up my address and they will fix it for me and I should be able to see my credit report daily with credit score and credit report refreshed daily.

I demand a refund for the past 3 months due to no service. I also demand you fix this immediately and to have my credit score and credit report refreshed daily again. 

I also demand you keep a security freeze and security lock on my account. 

I am the victim of identity theft fraud and I need all the fraudulent accounts most recent XXXX  removed from my credit report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of Equifax Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.
Product: Debt collection

Collection Agency - CCS COLLECTIONS Original Creditor Name - XXXX XXXX XXXX ( Auto Insurance ). 
Date - XX/XX/year> Amount - {$170.00}. 

Sub : XXXX CCS collection reporting from my credit reporting. 

XXXX XXXX XXXX  agent offered me auto insurance for {$720.00} for 6 months contract. I signed up for that and paid in full when I bought the insurance. But online was not reflecting the same and the insurance agent assured me that it will be removed and she is working with the technical team. Insurance agent was in contact with me until XXXX month, of 6 months contract, saying that the amount {$170.00} will be removed. If I was told to pay the amount during the first or second month of the contract, I would have paid or would have moved to a different auto insurance. Its because of the XXXX insurance agent I am into all this mess. 

I got into a lot of stress and finally paid the due amount of {$170.00} through collection ( Credit Collection Services ). My credit score was impacted badly. It went from XXXX to XXXX. 

I have maintained good credit for the last 15 years and this is the first and only incident got my score to XXXX. Now because of this incident I couldn't buy a home. No lender is willing to give me a jumbo loan. 

I reached out XXXX and they said they can not remove until it comes from CCS collection.. I reached out CCS collection and they said, they can not remove until it comes from XXXX XXXX.. I got the auto insurance thru XXXX XXXX insurance agent and she was willing to help me and when she reached out to CCS collection, they said they are not corporate and they can not take her words to remove it, but I got the insurance from XXXX I was not able to reach out to XXXX corporate as they direct me to CCS collections. 
I told CCS collections that I would like to dispute this account with XXXX and I would like to hear from XXXX as why they can not remove, as it is because of their insurance agent I am into all this mess.. I have shared all the email conversation I had with insurance agent to CCS collection and they have received that document and they have sent to XXXX XXXX XXXX corporate as well. I didn't get a response from CCS collection as, what XXXX XXXX  responded to them. They just say that they can not go with email conversation as a document to remove the collection from my account. 

Attached email conversation I had with the XXXX XXXX insurance agent. 

Please do the needful.. 

Thanks XXXX XXXX
Product: Debt collection

I have an account I do not recognize on my credit report. I repeatedly asked for it to be removed from my credit report and asked for debt to be validated which they couldnt provide. under 15 US CODE 1602 it is unauthorized use of my credit and illegal. Please remove from my report as per 15 USC 1681 and refrain from any other contact
Product: Debt collection

IC System never contacted me. I do not have any signed contract with IC System. They are reporting an alleged debt that is covered by my XXXX XXXX XXXX and trying to collect on it. I have sued and won many times in federal court against this company. I will be reaching out to my attorney for a class actin against IC System.
Product: Student loan

Customer service is awful. I am currently pending the save plan ; however, I have to continue to call to have my loans placed on a forbearance in the meantime. I have requested XXXX call backs where I was hung up on twice after waiting XXXX hours, when I finally reached someone they said they couldnt help me and transferred me again. I never did speak with anyone, this is not the first time and appears to be a consistent occurrence. As of now, its showing my loan is due this month without being on the save plan, but I am unable to reach anyone for assistance. These people dont even try to help you or answer your questions.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations
Product: Debt collection

In XX/XX/XXXX, subscribe monthly to Anytime fitness ( ABC Fitness Solution ). I contacted the company to cancel the subscription after four months. The company stated written cancellation is only accept. and then written cancellation was sent. The company tries to deduct monies from my account after cancellation. Anytime fitness sent an email to continue a monthly subscription. Anytime fitness sent a bill for {$750.00}. On XX/XX/XXXX, The company then sent the debt to my credit report, which is currently pending.
Product: Credit card

Please see my extensive supporting documentation. In short, I believe that my credit card processor for my business, XXXX XXXX, sold my account to PaySafe without my knowledge. PaySafe began withdrawing fees from my checking account in XX/XX/XXXX. ( I accept responsibility for my failure to investigate at that time. ). I cancelled my account with XXXX XXXX in XX/XX/XXXX ; they failed to cancel my account with PaySafe -- likewise I did not know that PaySafe existed so I couldn't cancel with them. PaySafe continued to charge monthly fees, raising the rates 3 times without notifying me. When I finally figured out who they were and cancelled my account in XX/XX/XXXX, they refused to be reasonable and communicate with me about the final month charge, even though they acknowledged that the account wasn't used since XX/XX/XXXX. Ultimately, they sent me to Collections without final notice for that final month fee even though I was still in communication with them about waiving it given that they had already received {$3700.00} in what I believe to be deceptively and perhaps fraudulently taken credit card processing fees.
Product: Mortgage

We submitted all our info and got preapproved. Completed application and all. Our broker thus decided to change jobs, he pulled our application and we have XXXX deposited with our builder and no longer have a mortgage. NMLS # XXXX We were due to break ground next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing a problem of identity mismatch and credit reporting negligence, tried a-lot but nothing changed. I have two account showing in my credit report which don not belong to me. One is XXXX credit card with limit XXXX $ which opened in XX/XX/XXXX. Other one is government student loan of {$21000.00} and opened in XXXX, XXXX. The problem is When these accounts opened I was not in XXXX. I moved to XXXX on XXXX XX/XX/XXXX which I have all proofs. I disputed these two account 3 times with trans union credit bureau in past 2 years and one time visited in person to discuss that after confirmation from customer representative and they denied to meet when I was there in front of office rather they always says the accounts belong to you and rejected my dispute. I directly contacted the creditors and they clearly mentioned these account not belongs to me. Trans union is XXXX XXXX me and it become unbearable for me.
Product: Checking or savings account

I was on a XXXX  and used my cashapp card on XX/XX/year>. XXXX holds were placed on my cashapp card one was released and the other has been pending since XX/XX/year>. The merchant has released my funds, but cashapp won't credit my account.
Product: Credit reporting or other personal consumer reports

My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. XXXX XXXX never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from XXXX XXXX and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXXXXXX XXXX XXXX XXXX XXXX, a XXXX XXXX finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, XXXX XXXX continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, XXXX XXXX is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with Transunion on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, Transunion stated that our dispute was closed on XX/XX/XXXX.
Product: Checking or savings account

I would make a XXXX deposit to myself and the account show the money there, when it isnt really.. resulting in a od fee.
Product: Checking or savings account

I bank with navy federal credit union. I have been a member since 2019. On many occasions I have been charged overdraft fees because the money was not in my account. I spoke with XXXX federal about not letting charges go through so I get charged an overdraft fee but it continued to happen.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I purchased 2 car fenders from a seller on XXXX, named " Old School Cars and Parts ''. The seller said he only accepted XXXX as a payment option. I hesitated, but was saw that my bank, Wells Fargo, offered XXXX as a payment option, so I assumed it was safe using the bank as the payment option. I sent the amount required, {$470.00} to the company via information on XXXX XXXX, the only way I communicated with him. The next day, the seller requested more money, an alleged {$150.00} " refundable insurance '' payment for the shipper, with an email to also send a XXXX payment to. I asked him to send me proof of the items even existing, and the shipper 's name, so I could check myself, or refund me the money. No message after that, and now he blocked my messaging to him. of course, the fenders were never shipped, if they even existed. I filed a claim with Wells Fargo, and after 10 days, I called back. They told me the claim was denied, due to me now knowing the other person. They did not care that theft was involved, and that upsets me that Wells Fargo even promotes a service like XXXX. I set up a fake XXXX account, and sent messages to the seller, who is still doing business. He said he never had a problem with anyone using XXXX, and I referred him to my real name 's transaction, and that a refund should be sent or charges would be filed against whoever he was. No comment after that, of course. I think Wells Fargo should help me out a little more with an investigation, or do a courtesy refund to me for {$470.00}, since they still offer XXXX. I have filed a report with the Internet Claims office. I have screen shots of all communication with the seller, even a phone number, as he called me once about the payment and texted me, too. XXXX is no help, as still have " Old School Cars and Parts '' online, and there is no real way to notify of them of this seller, as he does not use their XXXX marketplace to sell from.
Product: Debt collection

This company has continued to ignore my requests for verification and validation of this erroneous debt claim. I've never had an account nor have i ever opened an account with the city of XXXX. They refuse to provide an address of the alleged utilities and continue to harm my credit profile. The statutes of limitations in my state of Louisiana has expired for collection of this false debt, but this company continues to try to collect with threats and other illegal tactics.
Product: Payday loan, title loan, or personal loan

XXXX dollars XXXX dollars, XXXX dollars lots of day they did this but everytime they say sorry our website is not working properly. It was always a excuse. And charge hundreds of dollar.
Product: Mortgage

Soon after the purchase of our home, XXXX XXXX sold our loan to Freedom Mortgage. We did not have an escrow account. Prior to the change over XXXX mistakenly created an escrow account and paid {$950.00}, which was corrected and credited back. However, when the loan account was transferred to Freedom this documentation was not with the file and they received an account with an escrow shortage of {$950.00}. Which they tried to collect from us. We informed them there was no escrow account and never was. We had XXXX on a XXXX way call with Freedom and XXXX stating that this was the case and that everything was current that XXXX never sent any bill. XXXX submitted the documentation for this to Freedom directly to XXXX XXXX ( this freedom agent asked for it to be directly sent to her ) on which we were cc 'd on the email. Freedom continued to deny receiving the document which we were fully able to view, open, save and see from the email. We again submitted this directly to now XXXX ( XXXX XXXX ext XXXX ) as well as Freedom 's customer care multiple times, with no response. We did this multiple times over the next few months. With no follow through from Freedom at all, never once have they called when they said they would. We finally had to fax the document in order to have Freedom confirm the documents receipt to XXXX. Freedom still claims they can not alter or correct the account or close the escrow account even with this documentation. They then put a hold on our last months payment, the funds have been taken from my bank account fro the scheduled payment but not applied to our loan. They are imposing late fees and have also filed to make our account delinquent with 30 day late payment. All the while we are fully paid and submitted on time properly. The funds have been taken from my XXXX XXXX account for the mortgage payment on time but payment has been not applied to the loan. We are in the process of trying to buy a larger home for our growing family but can not with a 30 day late report on credit file now. This process has been infuriating and completely the fault of the mortgage companies and nothing whatsoever to do with anything that I have done. This has been going on for months with hundreds of hours on the phone to Freedom and XXXX. Freedom has gave us the run around, lied to us, and provided no assistance. We also reached out to XXXX to have them set up an appointment to talk to Freedom as well. Our new broker suggested we contact BCFP and that this is exactly what you guys are here for.
Product: Checking or savings account

On XXXX  between XXXXXXXX XXXX  at the fnbo ATM at XXXX and XXXX. I attempted to deposit all my money that I received as a graduation present. The ATM took XXXX and then jammed. It refused to give me the cash back or her bank card. Called the online number and also went through the fraud dept. They said the ATM would be over and not to worry about it. There were ATM cameras and they would have seen me depositing money. Now i received a letter stating first national found nothing wrong and are taking back XXXX. If they looked at the cameras they would see me and my mom as i was depositing money. The bank never sent a letter asking for more info. I called them tonight and provided the same info again and stated she was never provided another letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

all XXXX credit bureaus are reporting a charged off XXXX account XXXX ..i have challenged the 100 % accurate reporting of this account as required by law with all XXXX credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about XXXX times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment transunion- XX/XX/XXXX experian- XX/XX/XXXX equifax- XX/XX/XXXX date of last payment XXXX - experian - XXXX XX/XX/XXXX -- -- -on the 2 year history they are also XXXX XX/XX/XXXX high credit transunion- {$580.00} XXXX {$0.00} XXXX {$580.00} comments XXXX- Charged off as bad debt Purchased by another lender experian- Purchased XXXX a another lender. 
Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER equifax- Account transferred or sold Charged off account
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Assoc XXXX - This debt is past the statute of limitations and should no longer be reporting on my credit report.