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

I went to withdraw money from my checking account using an ATM machine at XXXX. The machine printed a receipt stating " Unable to Process Transaction At This Time '' and did not receive any cash. My request amount was for {$60.00} of which I had Approximately {$75.00} in my account. Immediately following the ATM machine, I went to transfer the money to someone to pa y a debt and was told I didn't have sufficient funds. I logged into my account and seen that the {$60.00} was deducted from Checking Account. I called the ATM company and they told me that it was a Network error on Chime 's Side. And To dispute the transaction with Chime and they would confirm that no money was dispensed. First Chime told me that they transaction was pending and they couldn't file a dispute until it settled. After 4 days, I called Chime again to dispute the claim. They denied my refund request saying " They did not find any errors ''. I immediately filed another dispute and requested docs to support their decision. They sent me an email with supposed documentation which consisted of an intake questionaire of questions that were asked of me as well as my ATM receipt showing " Tranaction Not Processed ''. I tried replying to all emails that were sent to me from CHime only to get a NON-Delivered response back. My 2nd dispute was also declined for refund of which they sent me another email with the same documents that they state as proof supporting their decision. Every time I call, it takes 15 minutes to get through the computer automated answering service. Only to talk to the dispute department and their supervisors with them claiming they can not directly communicate with their investigation department and said my only option is to reopen the claim/dispute ;. 

Basically, they have called me a Liar by denying a refund for the {$60.00} that was never dispensed from the ATM and have successfully STALLED any progress in settling this problem. The ATM Company and Bank behind the ATM company have both verbally told me they can see the transaction and confirms their knowledge of No funds being dispersed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit regarding multiple overdraft fees and Take a money out of my account without me knowing about it I have incurred. Despite have 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 settled funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy/ Citi Bank Lost all of my account information. I tried to pay my bill in XXXX of XXXX and was unable to login into my account. I called the number on my card and gave my information and was told there was no account under that card number. Same with Social security number, address ect. I was told to send a copy of an existing statement to a specific email provided. I had no way of giving the proper info as there was no account to look at. Best buy and Citi Bank never followed up with me. I never received an updated account. Somehow this was still reported to all 3 credit Bureaus. I tried to use the account number provided on my report to regain my account. This account number still DID NOT EXIST. XX/XX/XXXX and there is still no update or record of me ever having a Best Buy/ Citi Bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Financial Protection Bureau on XXXX XXXX about an account Wells Fargo Dealer Services that is showing up inaccurately on my credit report. I filed an identity theft report with the FTC because this account is not mine and should not be appearing on my credit report. I received a letter from Wells Fargo Dealer Services on XXXX XXXX stating that I would receive a response from the company within 10 business days with more information about this account. 
It is now over 30 days past that time frame, and the only thing I received is a letter dated on XXXX XXXX stating that the fraud unit would mail a fraud packet, that I never received. It saddens me to see how unimportant false reporting is to this company and how there is a blatant disregard for victims of Identity theft in todays world. Not only is this negative report hurting my credit score, what makes it worse is that this issue has not been resolved after the many disputes and complaints that I have wasted time filing. 
I look forward to a solution to this problem, I really do not want to get my lawyer involved but if this issue is not fixed in a timely manner, I am left with no other choice.
Product: Credit card

I applied for a Nordstrom Credit Card on XXXX/XXXX/2016 the rates offered were as low as 11.15 % and as high as 23.15 % based on creditworthiness, before applying, I unfroze all XXXX Credit reports, so they could review my credit history, I completed the online application which asked me minimal questions, income, length of time at my resident and annual income. With my credit score and history of accounts and length of accounts I would more then qualify for the lowest rate offered. Once I completed the online process I was immeditaily approved at a XXXX rate which is 19.15 %. After making a numoros of phone calls with my dissatifaction do to there responses to my concern of the interest rate based on my credit, length of time at residence, length of time on job, income and no debit ratio the representative stated that they would offer me XXXX rate which is 15.15 %, still not satisfied with the response and them not able to tell me why I did n't get the XXXX rate which is 11.15 % is why I 'm filling this complaint. I feel that if I had a question regarding my creditworthiness I would n't have unfroze my credit and applied for the card. 
Nordstrom 's Credit Card Interest rates and Interest charges section states " Your APR will be assigned when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the prime rate '' My average credit score between the XXXX bureaus XXXX and XXXX is XXXX, which are the XXXX bureaus Nordstrom credit uses. I tried to find out what was the reason behind my XXXX he was n't able to really explain other then he said my score was a XXXX and it qualified for the XXXX, the represenative said he would be able to give me XXXX rate and do to me still not being satisfied with his response he then said he would not switch to the XXXX do to me still not being satisfied with there response. I believe I have been taken advantage of and now if i close the credit card it will reflect on my credit negative. I tried to handle with the credit card company, but have been told that it has been sent to corp. office for review.
Product: Credit card or prepaid card

On XX/XX/20, I couldn't use my Key Bank Key2Benefits card for a debit transaction I had to use credit. I then tried logging onto my account to no avail, I was locked out. After numerous attempts of calling my bank and being placed on hold for over an hour I was able to speak with a representative I had to ask about recent transactions, as I was still locked out of my account, there was a {$500.00} transaction that I did not authorize so she cancelled my card and ordered me a new one, expedited overnight for {$12.00} ( that didn't show up for 4 days ), She started a fraud claim and issued me a number. I called again on Monday XX/XX/20, to check the status of the claim I was on hold for over an hour then transferred to the fraud department and placed on hold for over an hour and finally spoke to a rep. she couldn't find the original claim so she started a new one. Today is XX/XX/20, I have yet to hear from my bank nor have I seen my funds.
Product: Debt collection

On XX/XX/2016 I opened an account with XXXX. After four or five days I switched back to XXXX XXXX XXXX. On XX/XX/2016 I returned both phones to the store and paid the {$35.00} restock fee for each phone. XXXX has turned me into collections for {$1800.00} for the phones. I was not provided a receipt by the clerk at the time I returned the phones. He gave me some reason which I can not remember. I have my bank statement showing each {$35.00} deducted from my account to XXXX on that day. The collection company, Source Receivables Management, will not remove this debt from my credit report. I have spoken to management at the store who have told me they can track the phones through the IMEI number, that it has been initiated but it has gone nowhere. Source Receivables will only accept a receipt showing I turned them in. The store has looked in their system and it doesn't exist. I feel like the clerk took the phones leaving me on the hook.
Product: Credit card or prepaid card

The account with XXXX XXXX Mastercard was closed without prior notice on XX/XX/2021 due to account inactivity and XXXX balance. When attempting to contact XXXX XXXX Mastercard XXXX I was prompted to enter the last 4 digits of my Social Security number. The automated system detected my account was closed and said they could not open an account once it was closed and the call was disconnected. Not no option to speak to a customer service rep or anything. 

This closing of an account due to inactivity hurt the consumer. They have lowered my available credit, therefore, lowering my credit score. They lowered my history of accounts that have been open, the account has been open for over 7 years, therefore lowering my credit score. Not sending some sort of 30-day notice prior to closing the account would be better than sending notification of the account is closed. Since the balance is {$0.00} I could have attempted to use it only to be denied because the notification was sent to the online portal. I know the account has a XXXX balance and have no reason to check the balance beforehand so I never saw " the account is closed '' letter. 

For them to have the ability to close my account when the account was in good standing and I suffer the results is not fair to the consumer. This practice needs to stop. I have had this happen on other occasions and the work and time it takes to build up your credit score back to what it was before the account was closed should not fall to the consumer only.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the fair credit reporting act Experian consumer reporting agency may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, Experian is reporting a late payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX type Credit Card Date open XX/XX/XXXX Status Paid/Closed Late Payment 2018 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604A Section 2 : It is also states a consumer reporting agency can not furnish account without my written instruction. 15 USC 1666 B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

My name is XXXX XXXX and I am facing a hardship and have not made my mortgage payment for 3 months and do no want to lose my home. I have visited with a housing counselor and advised I contact the CFPB because my loan has been transferred to a servicer I can get through on the telephone to see what my option are. We have sat in the office of my counselor for hours to no avail. I would like to have someone from PHH Mortgage Services to contact me to resolve this matter.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase in XXXX of 2017. In late XXXX into early XXXX of 2017 the company 's system effectively locked me out of my account by an error that was happening on their dual verification system. After I emailed their customer service multiple times and received no response after days and days, I finally began to call them. I contacted them five times and waited on hold for one to two hours before I finally got through. Two of those times the customer service rep put me on hold and then the phone hung up. They did not call me back or email me, even thought they had my information. When I finally reached someone that said they could help, they instructed me that I would need to re-verify my credential, which is a process that takes up to 72 hours. I made the attempt to do so and tried to upload my license and photo a total of 17 times over a three day period. Each time I received an error message stating that their systems were overloaded and to try back. After all the attempts over a stretch of time, I called again and told it would be escalated to a senior adivsor. I was tole they can not tell me when I would hear back. In the meantime I have no access to my funds and have lost on significant profits as I would have sold off my currency at high points during the time I was shut out.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Transunion Fraud Department, I am writing to formally request the removal of fraudulent inquiries on my credit report resulting from identity theft. Upon reviewing my credit report, I have identified several inquiries that were made without my authorization. These inquiries are associated with someone who stole my identity and are not linked to any actions taken by me. 
The fraudulent inquiries I have identified are as follows : 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am not liable for any fraudulent inquiries or accounts resulting from identity theft. The FCRA mandates that consumers are not responsible for inaccuracies or fraudulent activities perpetrated by identity thieves. As such, I am requesting that these fraudulent inquiries be promptly removed from my credit report.

I have also filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which includes a list of the fraudulent inquiries. Enclosed with this letter are copies of the following documents to support my request : FTC Identity Theft Report A copy of my credit report highlighting the fraudulent inquiries Proof of my identity ( e.g., drivers license, utility bill ) Please investigate this matter and remove all fraudulent inquiries listed from my credit report. I kindly request written confirmation of receipt of this letter and a detailed response regarding the actions taken to address this issue. Should you require any additional information or documentation, please feel free to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Student loan

In XX/XX/XXXX I opened a Private Student Loan with Wells Fargo Bank for the amount of {$7500.00}. My father paid off the {$7500.00} on XX/XX/XXXX however a month after we received a bill for {$5900.00} for interest charged for the loan that was already paid. I was still in my grace period, so there should not have been any interest running on the loan.

We contacted the Wells Fargo costumer service for this student loan in person and by phone several times with no results about this interest charge.

As of this moment my father has been paying those interest monthly that include interest of the balance plus interest.
Product: Debt collection

This company is calling my family and sharing information about the debt with them. My mother answered the phone and they asked for me and she told them that she was my mother and they proceeded to give them the amount of the debt, the original debtor and asked how she would like to pay for this. She told them again that she was my mother and he asked if she would like to help her daughter out and pay this debt. My debt is my business, not my mothers.
Product: Debt collection

R.A. ROGERS , INC ISNT LICENSED IN THE STATE OF FLORIDA AND ITS A VIOLATION TO COLLECT IN A STATE YOUR NOT LICENSED IN AND DOES NOT OPERATE IN FLORIDA THEREFORE THEY CAN NOT REPORT THIS ACCOUNT TO MY CREDIT REPORT. THIS IS FRAUD
Product: Consumer Loan

I had a lease with Ally Bank. XXXX XXXX of XXXX, XXXX sent me a notice that I could get my lease pulled forward 4 months and they would pay for it. I agreed to this arrangement. I then bought a car from them. Two weeks later I had {$270.00} taken from the account set up to pay the lease to Ally. I immediately called them and asked them to return the money to my account. They told me I would have to get my bank to send the proper paper work to have them return the money. I called my bank. They told me to have them put the money back. After an hour and a half of talking to both banks my bank said they were just screwing with me and to tell them to put the money back. I did so. They told me they were holding the money incase there was circumstances that warranted them using the money for damages. They told me the car was going to auction and they would get back to me. 
I got a check from Ally for {$50.00}. I called to ask why I was getting this check. They told me it was an over charge from XXXX XXXX. About a week later I got a formal letter that said Account Settlement. Remaining Base Monthly Payment ( 5 @ {$270.00} ) Less - Unearned Rent Charge {$150.00}, Less- Surplus from Vehicle Sale {$0.00}, Net Remaining Base Monthly Payments {$1200.00}. Less - Net Remaining Base Monthly Payments {$120000.00}, Less - Excess Mileage/Excess Wear Charges {$210.00}, Less - Sales/Use Tax on Excess Mileage/Excess Wear Charges {$10.00}, Balanced Refunded {$50.00}. I had talked many different people at the bank. One said I would receive money back from the sale of the vehicle at auction. I would also get my {$270.00} back. I told them that they had done a poor job of getting the lease at XXXX miles where the seller of the vehicle knew the one to drive the vehicle had vision problems and would never use the vehicle for more than XXXX miles/year. I won the vehicle in a divorce settlement. I tried in the last year to drive the vehicle as many miles as a could. I went over XXXX miles in 9 months. 5 month pulled ahead and 2 months spent in XXXX not driving the vehicle. I was over XXXX miles under the XXXX lease miles. They told me that I had a scratch on the vehicle so they took {$21000.00}. I told them that I had returned the vehicle with no damage to XXXX. I also told them that I returned the vehicle with XXXX miles less on the engine, motors, paint, pumps, etc ... I told them I was getting a lawyer to settle the issue. The lawyer told me to call you because it would cost me way too much to use him. I would like to get the money back and money from the excess miles they charged me from XXXX to XXXX miles. One person in the bank talked to another person and told me I would get money also back from the auction. I know that that is not normal, but I have talked to XXXX people who have received money. I would be charged {$0.00} for every mile I would go over XXXX miles. I told them that I wanted {$0.00} for every mile I was under XXXX miles. Of course, they told me that that has never happened before. Is there anything that can be done in this matter?
Product: Debt collection

Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both Select Portfolio Servicing ( SPS ) and XXXX ( XXXX ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although XXXX did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized SPS as their attorney in fact ; according to the documentation SPS provided. Either they did or did not authorize SPS as an attorney in fact. If they did, they are culpable. I would like written confirmation from XXXX stating in the affirmative the fact they did or did not authorize SPS as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX AOM ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX SPS references in the XX/XX/XXXX XXXX. The actual address is unknown as it is not listed in the mortgage document referenced by SPS. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both SPS and XXXX are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than SPS or XXXX, as it is evident they lack the integrity in their ability to investigate these matters independently.