23daVinci/CFPB_Complaints huggingface dataset:
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 fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX 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: Credit reporting or other personal consumer reports

Hi, Hope everyone is well. Over the past month, Ive made several attempts to access my Equifax credit report online. Despite having a validated login. Despite mailing all the requested information Equifax requested to reset my account. ( Equifax confirmed receipt of my information on XX/XX/year>, and confirmed the info was correct ). I am still unable to view the report. In my XXXX interactions with Equifax, they assured me they were actively addressing the issue, and within twenty-four hours I would be able to access my account. I am still unable to view the report. Equifax offered to send me a copy of my report in the mail. I can not receive the report by mail since I am currently outside of the country and will be abroad for the next XXXX months. Given that I am abroad and will be abroad for XXXX months, I need to closely monitor my report online in case of any fraudulent activities. I havent encountered any problems viewing my online reports from XXXX or XXXX. Kindly contact Equifax on my behalf. 

Thank You, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been battling USAA for 2 months regarding my account. My account was hacked into twice and the bank is refusing to do a proper investigation. Theyve stated that theres no way someone can gain access to your PIN number which I have discovered is incorrect. Theyve also stated that theyre unaware of multiple attempts into my account which is also false. They have refused to do anything and have actually held me liable for the account being hacked
Product: Student loan

I accidentally pulled more money out than I should have from my account and one of my monthly Fedloan automated student loan payments did n't go through. However, Fedloan has a practice of trying to pull the amount 3 different times every 24 hours. So I discovered this after Fedloan 's 2nd attempt and had already been charged {$70.00} in overdraft fees.
I 'll make a separate issue for overdraft fees since that 's a problem for my bank. But why is Fedloan trying 3 different times? They should only try once and if it does n't work, notify me so I can pay through a different method.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.
Product: Money transfer, virtual currency, or money service

I am unable to withdraw my balance in my Binance.us account. I have provided all required documentation, completed all advanced verification requests, provided the same documents through email to their support team and I am still not able to withdraw my funds ( about XXXX USD ). 

My account page is stating that I am fully verified for XXXX and XXXX XXXX XXXX XXXX withdrawals, but when trying to withdraw I get " Withdrawals suspended due to risk management. '' error. 

I have opened multiple tickets with the company, the first one on XX/XX/2020. Since then I've received I few generic responses asking to reconfirm my information ( which I did ), but nothing changed. My funds remain locked and inaccessible to me.
Product: Credit card

On XX/XX/year>, I booked a tour using the XXXX website for a ticket, guide, and travel to XXXX XXXX. I selected XX/XX/year> as the tour date, and the system let me book. On receiving the confirmation email, I noticed that it had confirmed a tour on XX/XX/XXXX when I would not be in the country. 

I quickly rang XXXX to report the issue and ask for a refund. They were particularly unhelpful. They recommended that I call the tour operator in XXXX ( an expensive long-distance call ) to try to cancel. 

When speaking to the tour operator, they confirmed they had no tickets available that day and could only provide the requested service on XX/XX/XXXX. I made sure the tour operator canceled this reservation, and they incurred no charges. 

After rounds of unsuccessful communication with Citibank on this, I reached out to the provider to confirm in writing that this charge was not valid. 

The attached conversation is with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) who is the tour operator that was providing the tour. XXXX is a third party operator who schedules tours with local operators. 

The tour operator has confirmed that XXXX 's system had incorrectly booked the tour and that I should be refunded. This was also relayed to the XXXX team, who has been unresponsive since this was once again raised to them on XX/XX/year>.
Product: Debt collection

I wrote and mailed a check to Capital One Bank on XX/XX/2020 for an allegedly debt for credit debit. We agreed if they cashed the check all debt with debt would have been cleared and they will remove the negative accounts from my credit report from all 3 bureaus.
Product: Checking or savings account

I have had many unauthorized charges on my joint checkings and savings account over the past three months ( XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX 2017 ). Over these three months, I have changed my account three times and have received several temporary cards. However, in XX/XX/XXXX, when I called customer service because my card was not working they told me that the card information I was providing them with did not match the information on their system. I then had to physically go to the bank to speak to a representative and get reissued another card. The card I received at the bank did work. 

I then continued to see unauthorized charges which led to a constant overdrafting on my account. I have not been able to pay my bills on a regular basis because of the unauthorized transactions that have left me with insufficient funds. 

I closed my joint checking and savings account completely approximately around the first week of XX/XX/XXXX and then opened up a checkings account around that same time. However, I still saw unauthorized charges on the new account so I requested a new temporary card on XXXX XXXX, 2017. 

While Wells Fargo reversed the charges that were unauthorized, there was a delay in getting the funds reimbursed back into my account which affected my ability to pay my regular bills.
Product: Mortgage

XXXX continued. 
WF is gaming your process. See all comments in the feedback of the complaint. The loan should have never been initiated and I was forced to close on the HELOC loan. The builder XXXX XXXX and the inhouse WF XXXX XXXX XXXX XXXX XXXX XXXX  forced me to close on a property that should never have been initiated I seek mediation of the issues. 
The mediation process with WF was misleading and their statements are not rue. There was no pre- mediation offer. The Mediation and all parties refused to discuss other issues beyond a diversionary CHECKING account, that in the big picture is just a small issue. The WF representative and the mediator insisted that ONLY the CHECKING account would be addressed during the mediation. WF after the meeting stated that all issues were resolved which is a falsehood. 

Please address all issues related to this loan and bring the truth forward and hold this corrupt bank accountable for their fraudulent behavior and banking practices. WF is white washing the issues and repetitively stating falsehoods. 

Thank you.
Product: Student loan

I was awarded my Social Security XXXX by the Social Security Administration XX/XX/2014. I sent all documents to Navient and they decided not to honor the XXXX. I had been making my payments as best as I good and without a job I was dependent on my children and my husband 's Social Security. XX/XX/XXXX or XX/XX/XXXX, payment arrangements were made and I was given confirmation numbers. This servicer has the penchant for misplacing the requested documents. I supplied them with my award letter and the amount I get and on XXXX loan, I submitted a death certificate for my co-signer. Of late, Navient has decided they want more money, even after giving me the confirmation numbers. Navient is now taking {$240.00} a month. My SSI check is {$220.00}. Without my consent or knowledge, they took {$590.00}. Plus another {$50.00} for a " fee ''. That was an afterthought that XXXX XXXX XXXX decided on. .I am sick of the harassment and the humiliating phone calls. I answer my phone if I am not in a crowd of people. Sometimes I answer my phone when I am in public. I was not in the position to talk XX/XX/XXXX and asked the representative to call me back in about an hour or I could call him back. He became very irate. He screamed at me, " why did you answer your phone if you could n't talk? '' The harassment was so bad and my granddaughters were present. I had no choice but to just hang up on him. When I called him later on, he was very rude and irate again. He turned me over to XXXX XXXX XXXX. I am doing all I can do for this loan. XXXX XXXX told me they were going after my co-signer. He requested my bank statements and my mother in law 's certificate of death. I have supplied them with everything I have. They have no reason to go after XXXX XXXX. I supplied them very early on with a letter of termination from school where he was teaching. I do n't know what else to do. Any help or guidance you can give me would be appreciated. 
XXXX regards, XXXX XXXX
Product: Credit card or prepaid card

I am a victim of Identity Theft. Have had Diamond Preferred card with Citicards for 32 years. Someone used my information and Citicards approved an account. When I learned of this, I contacted Citicards and the Customer Service Supervisor closed my account in error. Language barrier. Representatives do not understand much English. Record states it was " closed at the customer 's request ''. I did not request closure. Citicards refuses to re-open the account or provide another account. Someone at Citicards has changed the name on the account. I contacted a Customer Service Representative in the United States of America, and was told it would go to Remediation for " analysis by high level specialists '' and the account " would be re-opened or they may change cards ''. Today, I was told " The bank will not re-open the account ''.
Product: Credit reporting or other personal consumer reports

Experian has consistently responded to disputes by stating that the information has been verified by XXXX XXXX and XXXX. Experian has failed to conduct a proper investigation into my dispute, which is a concern that is currently the subject of legal action against them. It is their responsibility to ensure that all reported information is fair, accurate, and complete, which is not the case in this instance. 

Experian continues to report information on my credit report without a proper investigation. XXXX XXXX XXXX account XXXX : They are reporting the last payment as being XX/XX/XXXX. However, they are not reporting a payment for XXXX of XXXX. Furthermore, they are not reporting any payments for the entire year of XXXX. They have been reporting this account as being charged off since XXXX. Also, they are reporting the term as 97 months. XXXX XXXX does not offer 97-month term auto loans. I called XXXX XXXX and they stated that they did not verify this inaccurate information with Experian. There is no balance reporting and no monthly payment amount. This information isn't fair, accurate, or complete. It was XXXX XXXX 's own admission that this information isn't accurate or complete. XXXX XXXX failed to send a 1099-C. 

XXXX account XXXX : is reporting this debt as being charged off where they received a tax break. They are still reporting the full amount as past due. XXXX failed to send a 1099-C cancellation of debt for this account that was written off. They are indicating that the last payment was XX/XX/XXXX. They are not showing complete information. There is no monthly payment amount indicated on my credit report. This information isn't fair, accurate, and definitely isn't complete. 

I was negatively impacted by Experian 's lack of properly investigating, and this is hurting my chances at credit after receiving such responses to my many other previous disputes that Experian falsely reported as " verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My XXXX address fails to reflect the unit # XXXX. That needs to be added. I never submitted any change to them therefore am not responsible for reporting or submitting it incorrectly. 

2. XXXX XXXX  XXXX # XXXX has an incorrect date of closing in XXXX. It was paid off in XXXX. Please see attached. 

3. XXXX # XXXX & XXXX # XXXX - both accounts are past their expiration dates. The account is not in good standing and its expiration date from date of open is XX/XX/XXXX. XXXX was purchased by XXXX and needs to be removed too. Equifax used dates of disputes for inaccurate reporting as the creditor updating the account or it looking like I made payments when I didn't. They shouldn't be legally allowed to change dates due to disputing inaccurate information as a " last reported '' or " last active '' date in an illegal attempt to leave it on past its 7 year expiration. That's what they're doing with these 2 accounts. There is no legal reason for either of these accounts to remain on my credit. 

4. XXXX # XXXX - this account is now nearing its 10 year expiration as of XX/XX/XXXX. There hasn't been any activity on this account for years. I filed a Borrower Defense claim and haven't paid on this account long before COVID hit. We won our class action lawsuit against the Board of Ed. Their contract expired after that. This account has reached its 10 year expiration and needs to be removed effective immediately per FCRA.
Product: Credit reporting or other personal consumer reports

I HAVE RECIEVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANYS ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS.
Product: Student loan

My name is XXXX XXXX and I am a XXXX XXXX. I am attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX ) Program and expect to graduate in XXXX of 2018. I currently have a balance of roughly {$240000.00} in federal student loans ( comprised of direct and FFEL loans ) with XXXX XXXX XXXX Account Number : XXXX. Some of these student loans are in " deferred '' status and some of the loans are in an " in-school '' status. I would like to begin repaying the entire balance of my student loans with Fed Loan Servicing. As a result, I submitted an Income Driven Repayment request through StudentAid.Gov. I contacted Fed Loan Servicing today and was told they received my Income Driven Repayment Request but can not process my request since I am in an " in-school '' status. In addition, I was told I can only repay my loans at this time with a " deferred '' status and that I can not begin repaying any of my loans that are in an in-school status because the " grace '' period on these loans has not been satisfied. I find it unacceptable that I can not begin repaying on the entire balance of my Fed Loan Servicing loans with an Income driven repayment plan because of an " in-school '' status. As a result, I feel as if I am being discriminated against since I am a student. As you are aware, interest continues to accrue on my student loans while I remain in school. In addition, Fed Loan Servicing is refusing to provide me with a letter which states the current payment on the balance of my loans with Fed Loan Servicing when the lowest Income Driven Payment plan that I would qualify for is applied against my loan balance. This letter is required by a current lender and is necessary to be approved for financing. As a result, I am requesting your assistance with these matters as Fed Loan Servicing is refusing to assist me with my requests. Thank you in advance for your assistance. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing this complaint to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies. 

I understand that PayPal has strict policies in place to ensure the safety and security of its users. However, I have always used my account in accordance with these policies and have never engaged in any fraudulent or suspicious activities. Therefore, I am confident that there has been a misunderstanding, and my account has been limited in error. 

I would like to kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to provide any additional information or documentation that may assist in this process. 

I rely on my PayPal account for various personal and business transactions, and its permanent limitation has caused significant inconvenience and distress. Therefore, I respectfully ask that this matter be addressed with urgency. 

For your reference, the email address associated with my PayPal account is XXXX. 

Thank you for your attention to this matter, and I look forward to a positive resolution soon. 

Sincerely, [ XXXX XXXX ]
Product: Vehicle loan or lease

I got a loan with credit acceptance in XXXX  to buy a car. Couldn't make the payments was XXXX  and had two other kids. They repossessed my car. A year later sued me never received a notice to go to court but the judgment was filed against me. They sold the car and said I still had to pay XXXX. They was garnishing my checks but stop because I switched jobs. Now I'm stuck with a XXXX balance and it's on my credit report. I know this company over charge people like me. I just need to see what you guys can do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.
Product: Mortgage

I have made multiple attempts to cancel Mortgage Insurance on my loan with LoanCare over the last 8 months. They have been unresponsive and difficult to get in contact with and I have been unable to get the issue resolved. The instructions given by the LoanCare representative have been followed, and all requirements have been met.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information reported. The following accounts contain errors and must be corrected or deleted immediately : XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Incorrect Balance : Reported as {$5500.00} and {$5500.00} across different bureaus. 
Incorrect Date Opened : Reported as XX/XX/year> and XX/XX/year>. 
Payment Status Discrepancy : Listed as " Collection/Chargeoff '' with inconsistent reporting dates.

FCRA Violation : Failure to ensure the accuracy of reporting, violating 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Incorrect Balance : Reported as {$350.00} without verification of debt ownership.

Status Discrepancy : Marked as " Collection/Chargeoff '' despite prior dispute resolution.

FCRA Violation : Failure to properly investigate under 15 U.S.C. 1681i ( a ).

3. Multiple Hard Inquiries ( Unverified and Unauthorized ) Companies : 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 
Violation : Unverified inquiries are harming my creditworthiness, violating 15 U.S.C. 1681b.

Under 15 U.S.C. 1681g, I am also requesting : 1. The original assignment contract for all alleged debts.

2. The forward flow agreement that legally authorizes the debt transfer.

3. All documents verifying the accuracy and ownership of these accounts.

4. Deletion of all inaccurate, unverifiable, and outdated information.

Furthermore, under the FCRA, I am entitled to {$1000.00} per violation if my rights continue to be violated. If these errors are not corrected within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action if necessary.

Please investigate these matters immediately and provide written confirmation of the corrections. I expect a response within the legally mandated 30-day period.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They havent been able to help with this fraudent account its been past 30 days and Ive given them all the documentation they have asked for.
Product: Mortgage

Due to Covid 19 ... We entered into Forbearance with United Wholesale Mortgage on XX/XX/2020. Since XXXX XXXX was and still is one of the most restricted and affected area thru the whole pandemic process we stay on forbearance until XX/XX/2020. 
United Wholesale Mortgage sent us an option to apply for a XXXX XXXX XXXX XXXX which we are currently under. We sent our fist payment which was due on XXXX mid XXXX and XXXX payment on XX/XX/XXXX. 
On XX/XX/XXXX i received a notification that my credit score went down XXXX points, United Wholesale Mortgage reported our payments as late showing also the debt that was accumulated thru forbearance. It is my understanding this is incorrect and illegal. 
Contacted United Wholesale Mortgage and they acknowledge their mistake but stated that more late payment will be reported to the credit bureaus and that it will take time to fix our problem. 
I would like my credit score to be restore to the number prior to UWM mistake immediately
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that I had fraudulent accounts on my report. Please remove these accounts from my report, They are hurting my ability to obtain credit.