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

To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an improper investigation conducted by Navy Federal Credit Union ( NFCU ) into a disputed transaction. Despite providing clear evidence that the services I paid for were incomplete and defective, NFCU denied my dispute, claiming that services were performed and paid for, with no recourse available.

Details of the Dispute : Date of Transaction : XX/XX/year> Amount : {$1400.00} Merchant : XXXX XXXX of Transaction : Payment to a freelancer for a complete email marketing automation system, including email copywriting, automation, and a verified list of 10,000 email leads. 

Key Issues : Incomplete Deliverables : The freelancer delivered only 9,200 leads instead of the agreed-upon 10,000 leads. 

Defective Work : The provided email list was unverified, resulting in multiple freezes of my email campaigns due to high bounce rates. 
Refusal to Correct Issues : The freelancer has refused to address or correct the deficiencies in their work despite my repeated requests. 
I submitted a dispute to Navy Federal Credit Union, providing evidence that the services were incomplete and defective. This included : Documentation of the shortfall in leads. 
Evidence of email campaign freezes caused by unverified leads. 

Communication records with the freelancer showing their refusal to resolve the issues. 

NFCUs Response : Navy Federal denied my dispute, stating : The amount debited was agreed upon when services were received.

While they acknowledged the quality of services was unsatisfactory, they claimed that services were performed, and there was no record of cancellation. 

This response is both inaccurate and unjust. While a partial service may have been provided, it was incomplete, defective, and did not meet the terms of the agreement. The fact that the freelancer delivered a portion of the work does not negate the fact that the core deliverables were not fulfilled.

Additionally, NFCUs conclusion ignores the evidence I submitted, including proof of incomplete deliverables and the freelancers refusal to correct the issues. Their investigation appears to have been superficial and did not adequately address the facts of the case.

Request for CFPB Action : I am requesting the CFPB to investigate this matter and ensure that Navy Federal Credit Union properly reviews my dispute in compliance with the Fair Credit Billing Act ( FCBA ) and other applicable regulations. I believe I am entitled to a refund for this transaction due to the incomplete and defective nature of the services rendered.

Please find attached all supporting documentation, including : Proof of the incomplete deliverables.

Evidence of email campaign freezes.

Communication records with the freelancer.

Navy Federals response to my dispute.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

This is for my son 's auto lease of which I am a co-signer. 

My son leased a new car through Honda in the spring of 2019. He XXXX  in the XXXX  ( XXXX XXXX XXXX ) in  XXXX of 2019 with orders to report for XXXX XXXX/XXXX XXXX  on XX/XX/2019. He received a memorandum/letter from the senior enlisted member of his recruiting depot for early termination of his auto lease, through the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. He was instructed to make direct contact through Honda Financial for specific instructions on early lease termination, which he did. Honda requested a copy of the XXXX early lease termination letter from the XXXX XXXX, which he emailed to his contact at Honda Financial on XX/XX/2019. He also spoke at length on two separate occasions with his contact at Honda Financial in regards to when and where he should return the vehicle. He was assured by Honda Financial that they had received the termination letter and, all he needed to do was return the vehicle to the dealership at which it was leased, a few days before departing for XXXX XXXX XXXX XXXX. The vehicle was returned to the Honda dealership on Saturday XX/XX/2019, the dealership recorded the odometer reading and had him sign the termination paperwork and stated that they would send the paperwork to Honda Financial. 

My son then left for XXXX XXXX XXXX XXXX on Tuesday XX/XX/XXXX th 2019, several weeks latter Honda contacted me stating that they did not have the correct paperwork and could not reach my son. I informed Honda that he is not able to have outside communication while in XXXX XXXX. I asked them to contact his XXXX XXXX recruiter if they felt that the paperwork from the XXXX XXXX was incorrect. At the beginning of XXXX Honda Financial contacted me again stating that they did not have the lease termination paperwork and that we now owed Honda Financial for the XXXX and XXXX lease payments, and that furthermore the XXXX payment was considered delinquent and been reported as late to the credit bureau. At this time I made the payments for XXXX and XXXX totaling {$450.00}, payments for a car that we no longer were in possession of and had been returned to Honda per their instructions. At this time the representative stated that once the payments were made and the account brought current no further action on our part was needed. 

Around the XXXX of XXXX I received yet another call from Honda Financial stating that they still needed the termination paperwork signed and the odometer reading. I called the dealership for the odometer reading which they passed along to Honda Financial, I signed the termination paperwork and faxed a copy as well as mailed a copy to Honda Financial. The Honda dealership has stated that they were told by Honda Financial in XXXX to hold onto the lease termination paperwork until Honda Financial requested it.
Product: Credit card or prepaid card

I pay my credit card bills in full each month. The business-card statement with a payment due date of XX/XX/XXXX was paid prior to its due date IN FULL, after I reported approximately {$5100.00} ( out of {$11000.00} ) in fraudulent charges to Chase ( XX/XX/XXXX ) and asked for new cards ( my wife is the only other authorized user ). Several of the charges included on the XXXX statement included charges made in person, even though my wife and I were travelling out of state ( we provided evidence to Chase ). I have been asking Chase to send me a corrected bill since that time ( late XXXX ) and the matter has not been resolved. Chase keeps sending me obscure and inaccurate documents removing some small fraudulent charges but not all. Chase has yet to provide me with any explanation of their investigative results ( " You received benefit from the transaction. '' ) Chase keeps reversing credits previously given, and adding interest and late fees. The XX/XX/XXXX statement included previously-stated fraud and yet was paid in full. The XX/XX/XXXX showed a {$790.00} credit after the payment and fraud that were reported, less {$4300.00} in charges, several hundred dollars of which were fraudulent, occurring while we were travelling out of state. The XX/XX/XXXX statement, which we paid in full before reporting + {$1000.00} in fraudulent charges made while we were travelling out of the country, was much of the same. We did not notice any fraudulent activity until the XX/XX/XXXX statement arrived, with thousands of the reported fraudulent, and previously credited charges, reversed. None of the statements received since then have been correct, and the repeated phone calls, certified letters, faxes, and emails have resulted in any solution. Chase has reported me to the federal credit bureaus, damaging my once stellar credit rating. These charges I reported to Chase were not made by me, nor by the only other authorized user, my wife, nor by anyone with our permission to do so nor with our knowledge. Nearly 2 years later, the matter is unresolved.
Product: Credit card or prepaid card

A little over a year ago I chose to update my Nordstrom store debit card to a Nordstrom store credit card. When I applied for this change I was asked if I wanted the store card or the Nordstrom Visa credit card, which is a general use credit card that would earn Nordstrom points. I declined the general credit card and stated the store credit card was sufficient. About a week ago I received a letter in the mail from Nordstrom that ordinarily I would have discarded and not read - thankfully I read this one. It was a letter telling me that because I was a valued customer my store credit card was being upgraded to the Nordstrom Visa credit card. The letter outlined all the changes that would occur as a result of the credit offer and also informed me that unless I called to decline the offer by a certain date, the upgrade would take place and the new card issued. I called and declined the offer which was all done using an IVR so I was n't about to discuss my concerns with an associate. I also alerted Nordstrom as to my thoughts  around this bait & switch tactic via a direct message on XXXX. It 's important to note that no other method of contact was used to alert me of this credit offer. No phone call, no email - I even checked my Nordstrom store card account, which I check monthly to verify the auto pay, and there was no alert in my profile. The envelope was not marked urgent and could have easily been discarded by most consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$3600.00}
Product: Money transfer, virtual currency, or money service

I have been trading on Coinbase for a couple months now and have about 6K in various currencies there. I went to try and sell a couple for profit this morning and have kept getting the same Account Restricted message. It states I can not buy or sell crypto and I have no idea why this would be. They ask you to contact customer support but they do not have live customer support. I have even messaged their system and verified my ID multiple times in the last couple hours to try and get this resolved but it appears to be going nowhere. I also have read others have had similar issues and their accounts being locked for months on end. I understand financial sites tend to lean on the safe side with any supposed issues but at this point with no human or even chat contact to speak with over there, I fear this is now borderline fraudulent and criminal behavior to tie up my money and prohibit me from my own research/profits I'm owed. They will simply not not let me access or sell it when I am more than willing to provide any verification or documentation in order to comply with what they need to verify my information. Yet I still get no answer? Given the amount of money tied up in there, I may even have to seek legal counsel if this is not resolved soon, but I am hoping the XXXX  and others can step in and make this right. In fact I am hopeful if enough people bring this to your attention it will proctor Coinbase ( a real time trading platform ) to get real time customer support to alleviate this confusion and frankly criminal service they are currently providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX account that's on my credit report for a Year now. Experian have Failed to provide me with Proof that this negative item is mine in Every dispute I asked for a written sign contract with my signature on it Experian have yet to give me the proper documentation that this Negative item is mine. I want it Removed!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account, XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has routinely reported negative credit reports beyond the seven years that is statutory limit. Late payments are specifically defined as 7 year limits. Experian routinely ignores the law in this regards and has created procedures that prevent consumers from disputing these errors in their credit reports.

Experian 's own blog XXXX XXXX XXXX says that late payments are reported for seven years however Experian has no procedures to remove late payments from negative reports in a timely manner. I would suggest that Experian intentionally fails to remove negative reports or is incentivized through the Experian Boost to fail to make the appropriate adjustments in credit reporting.
Product: Debt collection

A few minutes ago, I received a notification of a new entry in my credit report. When I checked, I saw a listing for Eastern Services for a debt of {$110.00}. I have never heard of this company in my life, and I never received any correspondence from them. Not sure how to validate a debt with a company that doesnt communicate. This is awful.
Product: Credit reporting

I have an inquiry on my credit report from XXXX XXXX XXXX XXXX. I have challenged this inquiry monthly for several months with the bureau and the creditor asking for the application because I do not recall authorizing this inquiry. No application has been provided in order for me to determine if this was an attempt at identity theft. Each month they send the exact same response saying they can not comply.
Product: Mortgage

My name is XXXX XXXX, I have a mortgage with XXXX. I was recently approved by HAF. I received an approval letter stating effective XXXX which is a total of 6 months they will pay my mortgage. I was told from a HAF specialist that two payments in the amount of {$1500.00} was mailed on XXXX and on XXXX. with my loan number XXXX sent to XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I was told by a loan officer at XXXX no check payments have been received from HAF for XXXX and XXXX. At this point I dont know what to believe XXXX XXXX. Im hoping you could help me with locating the HAF payments for XXXX and XXXX and have them applied to my mortgage. I was able to get the late fee waived for XXXX my speaking to a manager at XXXX no sure about XXXX. Thanks XXXX XXXX.
Product: Debt collection

I received a letter from Unifin, trying to collect a debt from another debt collector, XXXX XXXX. 

The debt is for an old XXXX XXXX card. I believe it is past the statute of limitations for collection, being over six years old.

The letter I received does not mention that the debt is uncollectible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EXPERIAN for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.

Furthermore, EXPERIAN is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, EXPERIAN has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. 

As a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. 

I request that the CFPB hold EXPERIAN accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an erroneous account reported by Fair Collections & Outsourcing , Inc. ( FCO ) on my credit report. Despite my repeated attempts to resolve this matter, XXXX has provided a response indicating that they have no involvement with the account in question, which was allegedly placed by XXXX XXXX XXXX. 

The details are as follows : Creditor : XXXX XXXX XXXX Debt Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : [ XXXX ] Date of Dispute : [ XX/XX/year> ] In my complaint to the Consumer Financial Protection Bureau ( CFPB ), I highlighted that XXXX unlawfully obtained and utilized my personal and non-public information without permissible purpose or my explicit consent. Additionally, XXXX has failed to provide a debt validation letter and has continued to report negative information to XXXX and Transunion. 

FCOs response to the CFPB stated : " The account was placed with our office by creditor XXXX XXXX XXXX. Creditor retains ownership of the account. Our office denies the alleged violations set forth in the consumers complaint. Our office will not call the consumer or write the consumer. '' Given that XXXX asserts they have nothing to do with the account, their continued reporting of this erroneous account on my credit report is unjustified and in violation of the Fair Credit Reporting Act ( FCRA ). This erroneous information has caused significant harm to my credit score, resulting in financial losses exceeding {$10000.00} due to retraction of credit by creditors and repeated denials of credit opportunities.
Product: Debt collection

I am disputing a debt reported by Monterey Financial Services for a vocational training program through XXXX XXXX. I received a refund check from XXXX as part of a recent legal settlement or regulatory action involving their company. This refund was issued without me requesting it, which implies the original contract or debt was mishandled or invalid. 

Despite the refund, XXXX continues to report the debt as seriously past due on my credit report with a balance over {$5000.00}. I contacted them by phone and requested that the account be removed due to the refund and potential invalidity, but the account XXXX dismissed my concerns, refused to acknowledge the refund, and insisted I must still pay the full balance. No proper documentation or validation of the remaining debt has been provided. 

I am asking the CFPB to review this case and assist in having the account removed from my credit reports, as the refund and lack of validation show this debt is not legally or fairly owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.
Product: Money transfer, virtual currency, or money service

Hi, I'm trying to report a fraud/scam of XXXX XXXX employee in XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. 

They asked me to pay this amount through Zelle. I asked them if there is a link that I can pay online and they said no. They gave me their Zelle phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. 

I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. 

Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal Zelle account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted XXXX, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. 

I respectfully request you investigate in this matter and eliminate this corruption practice. 

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

The number of times missed which is actually documented on my credit report seems to be inaccurate and or confusing.
Product: Mortgage

The problem is still not fixed. The mortgage company does not seem to understand how to apply payments and continues to put my weekly payments into suspense and charging late fees, when payments are received well before their deadline of the XXXX monthly. I have been charged bogus late fees and have had to submit many complaints and PHH is still not acknowledging their errors. PLEASE HELP. 
Previous complaint numbers XXXX & XXXX Lets start with XXXX payment. 
XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$1100.00} = XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX XXXX XXXX=XXXX paid in full by XX/XX/XXXX XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$430.00} = XXXX paid in full by XX/XX/XXXX Financial institutions were closed on XX/XX/XXXX due to XXXX day - so if the payment was delayed in being processed by PHH, it was not my fault, as it was there on the XXXX. 
XXXX payments XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX $ XXXX XXXX paid in full by XX/XX/XXXX XXXX payments made as of today XX/XX/XXXX XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00}, XX/XX/XXXX {$700.00} = {$2100.00} paid toward the XXXX payment STOP PUTTING MY PAYMENTS INTO SUSPENSE AND CREDIT MY ACCOUNT AS PAYMENTS ARE RECEIVED. YOU CHARGED ME LATE EVEN WHEN PAYMENTS WERE PAID IN FULL PRIOR TO THE XXXX. REMOVE ALL LATE FEES CHARGED AND REIMBURSEMENT ME FOR UNJUSTIFIED LATE FEES PHH TOOK
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Credit reporting, Violating my rights as well as violating codes 15 U.S code 1681i ( 5 ) 15 U.S code 1681e ( b ) 15 U.S code 1692j 15 U.S code 1692d 15 U.S code 1681 15 U.S 1681I ( 5 ) ( B ) ( ii ) ( iii ) Acct Name : XXXX XXXX Acct # XXXX ( Violation of Reinsertion of Debt ) Inaccurate Reporting Twice on credit report. 

Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX