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 CFPB findings against navy federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

I have filed the complain few days ago Complaint Number XXXX I'm attaching the documentation to show how the RMS is been deceptive in sale of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a bankruptcy that appears on my credit report. The FCRA states that it must be verified by the original creditor. The United States Bankruptcy Court stated it did not verify the information that Experian is reporting. The court also stated it NEVER verifies information. The FCRA also sets maximum times in reporting bankruptcies and not minimums. This item should have been removed. It has been on my credit report for 8 years and hasn't been properly verified.
Product: Debt collection

Several months ago, HSBC notified credit agencies of an alleged unpaid $ XXXX on a credit card that was closed XXXX yrs. ago. The debt was allegedly incurred on the now closed credit card ( i.e., is roughly XXXX yrs. old ). HSBC admits that it never notified us of the alleged unpaid debt or otherwise sought collection from us. Our XXXX noticed of HSBC claim was a sudden precipitous drop in credit rating noticed when we recently applied for a HELOC. The only " ding '' on my credit report is HSBC 's claim. HSBC made its claim to XXXX XX/XX/2023. Following HSBC 's dispute process, HSBC promised to provide us evidence of the unpaid debt ( statement [ s ] ) but has not done so. Efforts to dispute the debt via XXXX 's process have been to no avail ; XXXX did not obtain any evidence of allegedly unpaid debt before closing the dispute.
Product: Debt collection

Have received phone calls at XXXX on XXXX, XXXX on XXXX, and at XXXX on XXXX from the collection agency.
Product: Credit card or prepaid card

( Translated from XXXX to English by a family member ) Account ending in XXXX. In XXXX of XXXX, I, XXXX XXXX, date of birth XX/XX/XXXX, went into Nordstrom Last chance located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I am XXXX-only speaking and was assisted by a representative who did not speak XXXX. I understood I was applying for a credit card. I do also recall making two purchases. She rang up a hair clip for about {$1.00} or so, then rag up the rest of my items. Due to the language barrier, I was not sure why, but I thought this was a bit odd. A few months later, I received a collection call from Nordstrom, saying I have a late balance over {$2.00} or so. The entire time, I thought my purchases had been made using my debit card, I dont understand why they would have rang up a hair clip separate, so I thought that was strange. I have NEVER been late on any payments, and would never be late for a transaction under {$2.00}. When I was talking about this with my nephew, who works in the financial services industry, he asked me if I understood the representative who helped me, and I responded with the honest truth, no I did not. He was very concerned with the predatory practice and for the employee not getting a translator or having someone explain what was happening. When he helped me call Nordstrom, the phone representative explained that the store representative gets credit card sales credit for any purchase over one dollar. Clearly, the store employee is manipulating the system by running a transaction over a dollar for her own benefit, and not in the customers best interest. Now, due to a lack of understanding and lack of explanation, there was a purchase for less than {$2.00} that was run on this card that was not in my possession instead of my debit card. I had no reason why to separate my purchase into two purchases, but was manipulated by an employee to benefit her sales goal. Now due to this purchase for less than {$2.00}, it has created a 60 day late reporting to my credit and created so much damage to my score, hindering my home purchase. I really need for this to be corrected, as this was malicious and a predatory lending practice.
Product: Consumer Loan

When my ex and I we married and did n't have great credit we went got a vehicle loan together. The loan was over {$400.00} per month which was ok when we were married. Once we divorced and I was the only one making the payments it became too much for me to afford. I called and asked if there was anything they could do to help. I asked if I could trade the vehicle I was currently paying on for something less expensive so that I would still have a vehicle and that I would be able to afford. They informed me that they could not help me with changing out my vehicle to make the payment lower for me and that I would have to find a way to still make the payments of over {$400.00} or simply turn the vehicle back in and loose everything I had already paid and be left without a vehicle. I 'm still being forced to make outrageous payments as a single mother of XXXX children with no help or assistance.
Product: Debt collection

i was reviewing my credit reports for emplyment verification, credit denied fora essential product car for replacement transportation lost in car accident in XX/XX/XXXX and as a survivor of declared disasters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and noticed that Comenity Bank XXXX XXXX falsely reported inaccurate information to my three credits reports agency, in the monthly terms covered by the CARES ACT AND following BILLs of the declared disasters and national emergency crisis, where mandated that missed payments should not be reported and no late fees charges applies. i was severe affected by XXXX, XXXX and their disruption that caused me lost all of my incomes, all my rights violations, lost of my employments, and future contracts, abuses behaviors against me, car accident with property loss, two involuntarily relocations, credit discrimination, housing discrimination, source of income discrimination, and victim of misleading and predatory acts of Banking Institutions such as XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Landlords XXXX XXXX & XXXX XXXX XXXX, falsely accusations from XXXX XXXX, XXXX XXXX and XXXX XXXX immediately neighbors and relatives of the Landlords of my home for 5 years from XX/XX/XXXX to XX/XX/XXXX that acted against my right to work, my privacy and intimacy and my right to self defense and defense of my home, myown safety and other rights violations that caused me a lot of damages and losses of my patrimony and effort for 23 years at that time, and lost of my belongings with the only purpose to steal my home property and the mortgage payment made for approximately {$150000.00} plus the payment of more than {$250000.00} in property repairs and replacement through the five years under abuses and stalked conduct from the neighbors to intimidated me to leave the property. I did not owed the inaccurate amount reported from XXXX XXXX, they under the cares acts and bills those charges do not proceed. i request an immediate fix of the inaccurate information reported it was affected me in my employment and credit verification and i have the right to privacy cover under the constitution, i was a survivor of the disasters and i was severely affected, i did not received any aid or sba help during XXXX and XXXX, neither under XXXX received nothing from sba they denied me the aids and the loans due to credit report and it is unequal treatment, and credit discrimination.
Product: Debt collection

I submitted a complaint regarding the debt collection agency, Hunter Warfield to the CFPB because they were giving me great difficulty in resolving my debt. When I initially contacted them they offered me a repayment rate that I initially could not accept. Later they changed that rate and then refused to negotiate a repayment rate of any kind saying that I had to pay in full. After contacting the CFPB, Hunter Warfield agreed upon a repayment rate. They then responded to the CFPB saying that we had successfully resolved the issue. Although we agreed upon a repayment rate Hunter Warfield refused to provide me with an agreement letter stating the terms of the repayment. They also refused to provide me with a receipt for the each payment that I made. In my mind this is not full resolution. I would like a letter stating the terms of the new agreement. My original complaint number is : Case number : XXXX. 

Thank you for your help.
Product: Credit card

XX/XX/XXXX Report of Fraud Dispute With Chase Bank In XXXX of XXXX I discovered that my Chase credit card had been fraudulently charged to an XXXX account on a ongoing basis from XXXX. I identified the charges by comparing my bank statements with a list of transactions from my XXXX account. I found 107 charges on my credit card that I did not make and did not appear on my XXXX account transaction list. The charges are listed and attached. 

All of the charges were made to Chase # XXXX. That account number was closed by Chase ( without explanation ) in XX/XX/XXXX and replaced with # XXXX. Fraudulent charges to XXXX made on XXXX continued to be paid by Chase from my XXXX account through XX/XX/XXXX even though XXXX was closed. 

A fraud report was made by me to Chase. They claimed to have investigated and determined that all charges were legitimate. I asked them to reopen the investigation which they did and they came to the same conclusion. I then contacted XXXX and asked them to investigate one of the charges selected at random. They determined that the selected charge was indeed fraud made by someone else using another account shipping the product to another location ( see attached email from XXXX ). I asked Chase to reopen the investigation in light of this new information from XXXX. They reinvestigated and determined that the charge was legitimate. 

I believe that Chase is not acting in good faith. They are claiming that charges that are clearly fraudulent are in fact legitimate. They give no explanation for their conclusion and they do not report what they did to investigate.
Product: Vehicle loan or lease

I have had an auto lease with GM Financial for 5 years. I have it set to auto pay through my bank. It has paid every month, every year for 5 years. Until XX/XX/XXXX, when GM Financial contacted me to tell me I hadn't paid. I checked my bank statement, I checked with my bank and confirmed GM received the payment on XX/XX/XXXX. 

GM had provided an incorrect number on the voicemail, their website was incorrect and I had to research to find the correct number to call. 

After several hours speaking with several representatives over the course of SEVERAL DAYS, I faxed proof of cleared funds, and a TRACE ID to show they received it. 

They did not research or look for the payment, but continued to harass and demand payment. 

Finally, last week around the end of XX/XX/XXXX I spoke with XXXX from GM and she located the payment in their " old '' system and stated she took care of it. 

Then, today around XXXX XXXX EST I received a cryptic message with no company information or name, just to call. I called -- the number picks up and places you on hold. 

When someone finally answered, after a full 5 minutes of waiting to learn why they were calling, I was informed they were calling demanding the payment AGAIN. 

I have been harassed by GM for nearly a month now. I have been accused of not paying, my credit is threatened by their incompetence and I have now been only hold for over 20 minutes with no resolve. 

I'm being forced to go through this over and over and over because of their improper system migrations, failed customer service and incompetence. 

I can not be the only consumer this is happening to. 

To further confuse the matter -- they have changed phone numbers and addresses and failed to notify their consumers at all -- in addition to not properly reconciling their payment systems.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage company I used to have a loan with has refused to show the loan as closed. The loan was closed with a XXXX   V.A. Loan. Experian shows the loan still open in my name. That is incorrect. The loan is paid as House was refinanced under The name XXXX XXXX XXXX. I should not have ANY open mortgage accounts at this time. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ignorance of the credit laws should not be the reason the cra 's, creditors and collection agencies abuse my rights to privacy. I have been trying to get these accounts dealt with properly. Both accounts, XXXX and LVNV have repeatedly verified this information on my credit report. According to Metro 2, consumer law and factual disputing, these two accounts have violated my rights. I'm getting very frustrated with the way this is dragging on. And every dispute has copies, evidence attached. I was trying to get a refi, and was denied for these accounts. All they do is verify. If you look at my credit report, you see the inconsistencies I have the right to privacy. I didn't give any one permission to share my non public information. At this point, they are willingly and knowingly causing me harm.
Product: Prepaid card

I received XXXX dollars in my skrill account. I attempted to use it for purchase and failed. I attempted to transfer it and failed. I submitted a ticket through the website after chat was not able to resolve and have not had resolution. This is the 3rd time I have gone through this. They continuously can receive my money or take my money but I can't access it or use it.
Product: Debt collection

Spoke with XXXX XXXX Account # XXXX, he stated that this account would be deleted immediately. I informed him that I did not owe XXXX XXXX XXXX any money. The equipment that he was trying to collect on was stolen. Asked him for the phone number to a contact person at XXXX XXXX XXXX, so that I could resolve this issue with them. He refused to give me that information. He stated that he could offer a settlement amount. Not sure how ERC would try to settle on equipment that was stolen. Asked multiple times for information for original creditor, so that we could contact. He refused. He said that he would open a dispute and have this deleted from all 3 credit bureaus immediately.
Product: Money transfer, virtual currency, or money service

I am writing as I feel my concern about my dispute was not investigated properly and the Zelle informed me there was no way to trace the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crede Reporting act, The List of accounts below has violated my federaly protected consumer rights to privacy and confidentialty under 15 USC 1681. 
Account name : # XXXX XXXX XXXX # last XXXX Account name : XXXX # last XXXX has violated my rights. 
15 U.8.C 1681 secsion 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 004 A Secion 2 : also states a consumer reporting agency can not fumish a account without my written instructions.

15 U.S.C 1681e. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 16815-2 ( AX1 ) A person shall not furrish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabile cause to believe that the information is inaccurate
Product: Mortgage

My loan closed with Cadence Bank originally in XXXX. Bank merged with BanCorp South and they are now handling my servicing. 
on my XXXX statement, it shows my on time payment, an addl principal reduction and a " fee collection '' for {$30.00}. 

Between XXXX and XXXX, i have called 6 times. Bancorp has told me twice that i have a " return item fee '' but when i tell them i have every transaction showing on time & cleared payments back to XX/XX/XXXX, they back pedal and say they dont know. They then transfer me to Cadence. Cadence doesn't know either. 

I have left messages with no reply. I just want a real explanation for the fee, an apology for a mistake or they need to refund my money for my time and trouble.
Product: Credit card or prepaid card

Problem with using AMEX gift card for an online order at XXXX.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX I sent a funds transfer of {$500.00} dollars using the XXXX   application on my cell phone to the wrong recipient. Those funds were never supposed to go in to her XXXX account but to another gentlemen whom I have previously sent money via XXXX with in the past. I have never sent a XXXX to the original sender in the past. On XX/XX/XXXX I reached out to XXXX who twice informed me I would receive funds back. One person told me it would take 3 days and the other only said it was being reversed. They requested that the person whom I sent the funds originally to contact them to confirm it was not authorized. The orignal recipient informed me they have not used their XXXX since XX/XX/XXXX due to an extremely poor policy XXXX had in place that allowed people in " circles '' to debit each other accounts without approval, in which caused an issue with her and another XXXX user. The original receiver of the funds owed XXXX a balance of {$600.00} dollars that does not pertain to me nor should I be held responsible. XXXX informed the receiver of the funds that they would not be reversing my funds back to me because she owed a balance, they also expected her to inform me of this information rather then reaching out to me directly to inform me they would not be giving me my funds back after telling me twice they would. I believe this is extremely poor ethics on this companies behalf as well as EXTREMELY BAD CUSTOMER SERVICE. On the original call made to have the funds reversed there is no mention of meaning to submit those monies to that person. If I as a consumer says that I placed monies in an incorrect place, it is that companies responsibility to ensure that I receive my monies back. I should never be held responsible for someone else monies.
Product: Credit reporting or other personal consumer reports

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE NEST AS WELL. THANKS REMOVED : XX/XX/XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX and # XXXX XXXX XXXX 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: Mortgage

My complaint is with CitiMortgage. I did a refinance in XX/XX/2016 and taxes were set up to be escrowed. At closing there were more than enough funds to pay the XX/XX/2016 property tax. Face value was XXXX. I received the property tax statement in XX/XX/XXXX and called to verify with CitiMortgage that it would be paid. I was told yes. In XX/XX/XXXX our county passed a XXXX tax for the schools. It was a one time thing and an additional XXXX tax. Soon after, I was issued an escrow refund check for XXXX. I called CitiMortgage to verify this was disbursed correctly. They assured me again that this was extra and all property taxes had been paid. I called again the next day to verify I would get the same information. I was told the same. Two days ago I received a delinquency notice for my property taxes with a 21 % penalty. They have not been paid. I called Citi, my loan officer, and the county to see what was going on. Three calls to Citi and they were still telling me all had been paid. Finally a fourth call and told XXXX was paid. That was a school tax not property tax. Now I am being told I am responsible for funds to escrow account to pay the tax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Best Buy ran a hard inquiry credit check on me and I never applied for a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud and I have items that is reappearing on my report that is not mine that was previously deleted off of my experian report. Experian has not verified and sent by mail debt validation of the items reappearing on my report. Over 50 addresses is being reported inaccurately, name, phone numbers etc.