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

On XX/XX/XXXX at approximately XXXX XXXX XXXX Standard Time, I called Navy Federal Credit Union to make a credit card payment, as I had done so many times during the past XXXX years. I also called to request assistance with online technical support. I spoke with customer service supervisor XXXX and I explained to her in detail that I needed to make a credit card payment on XX/XX/XXXX because it was due on that date. I also explained to XXXX that I needed to speak with a representative in online technical support, because I had recently reset my online password on the XXXX website XXXX XXXX XXXXXXXX and when I was prompted to sign in I got an error message stating that I had exceeded the maximum number of sign-in attempts and I needed to reset my password. I repeatedly explained to XXXX that that was a mistake on the websites part, because I had tried to log in only one  time. 

To my surprise and disappointment, XXXX refused to help me with my credit card payment and she did not allow me to speak with anybody in online technical support. She told me I was not the person I said I was and in order for me to have access to my account I was required to submit a signed written request with a copy of my identification card, plus two recent bills or statements with my full name and address on them, and send them through US postal service to XXXX main office.. I told her I didnt understand, I called many times before to conduct this and other types of transactions and I had not encountered any issues to access my accounts. I told her I had many accounts with Navy Federal Credit Union and most importantly, I needed to make a credit card payment that same day. Instead XXXX hung up the phone on me. 
I was in distress because I was worried about not making my credit card payment on the due date. XXXX very responsible with my financial matters, I have a good credit history and a high XXXX XXXX and I want to maintain it that way. Furthermore, I suffer from anxiety and XXXX and the incident with XXXX couldve had worse consequences for me. 

While I certainly understand and appreciate Navys effort to protect my information, I dont understand why XXXX XXXX arrived to the conclusion that I was not the person I said I was. She did not use any type of recourse, such as reaching out to senior management for assistance or advice, to further determine if I was the person I said I was. XXXX could have contacted me by phone, email or XXXX mail regarding this matter, yet as of XX/XX/XXXX they have failed to do so. This should be a learning curve for Navy Federal Credit Union, to help them better handle these incidents and develop more efficient ways of determining the identity and legitimacy of their members. To prevent future mistreatment of any other member.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 


XXXX XXXX : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Balance {$640.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX : XXXX XXXX  Balance {$12.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Balance {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX  Balance {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX due to XXXX I was unable to conduct face to face training as an XXXXr at the XXXX XXXX XXXX  XXXX I lost my salary because all classes were canceled. I was forced to filed XXXX XXXX bankruptcy in XX/XX/XXXX and my bankruptcy was discharged in XX/XX/XXXX. 

I had XXXX vehicles and added XXXX to my XXXX XXXX, but my 2nd car which is a lease XXXX XXXX XXXX was not included in the bankruptcy and i ensured all payments were made on time. Mercedes Benz Financial Services reported to all three Credit Bureaus that my lease was closed and I was late in XX/XX/XXXX. I saw the erroneous information on my credit after requesting a free credit report. I called MBFS several times in XXXX, XXXX and XXXX to no prevail. I contacted the credit bureaus and filed a dispute. Each time I would get the same results no change. 

My account with Mercedes Benz Financial Services ( MBFS ) was not included in my bankruptcy filed in XX/XX/XXXX. I continued making payments to keep the account current. MBFS stop reporting my payments the month i filed bankruptcy XX/XX/XXXX. 
They reported my account is not closed and added a late payment. The account is current and never late. I am trying to rebuild my credit. What's being reported is hurting me from getting secured credit and renting a home. Attached are copies of my bank statements showing payments in the amount of {$820.00} from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XXXX I paid {$2500.00} which includes XXXX payment for my property taxes for the lease. XX/XX/XXXX payment was {$820.00}. Please look into this matter. I just want accurate information to reflect on my account and to show that the account is opened, never late and current. I've contacted the credit bureaus several times as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the descriptors you provided worked for this situation. 

We live in XXXX XXXX in the National disaster area. We were contacted by Truist Bank by Mail and offered help and support. I was curious as to what this was all about. I was told about different options Forbearance, deferred payments, combination of both and Home Equity loans. 
I said we really werent interested. The person I was talking said she would send us a form to fill out and sign if we were interested. When the form came through the mail, I tore it up and put it in the garbage. 
I didnt give it a second thought until this week when I found out from XXXX XXXX that I was being denied credit because You are participating or have recently participated in a payment relief or deferral program receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 
I found the report that was used XXXX and found the problem was with our mortgage that was taken out with Sun Trust now Truist. Under status. Open/Never late. Deferred, payments begin XX/XX/2023. This is not true. We have not deferred payments and dont ever intend to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT # XXXX XXXX HAS BEEN BEEN REPORTING INCORRECT INFORMATION REGARDING MY CREDIT SINCE XXXX XXXX. 

XXXX XXXX ACCOUNT # XXXX IS REPORTING INCORRECT INFORMATION FROM MY EMAIL THAT THIS ACCOUNT WAS CHARGED OFF OWNING {$0.00} BETWEEN ME & THIS CREDITOR AS OF XX/XX/2021. I HAVE EMAILS SHOWING THIS INFORMATION FOR BOTH INACCURACIES OF THESE REPORTINGS XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates is attempting to collect a charged-off debt originally reported by XXXX XXXX. Despite my request for validation, I have sent out a letter XX/XX/year> they have failed to provide sufficient documentation proving the legitimacy of this debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S.C. 1692g ( b ) Failure to validate the debt upon request. 2. 15 U.S.C. 1692e Engaging in false or deceptive practices by continuing to pursue collections without providing adequate validation. Additionally, Portfolio Recovery Associates is violating the Fair Credit Reporting Act ( FCRA ), particularly : - 15 U.S.C. 1681s-2 ( b ) Reporting inaccurate or unverifiable information to the credit bureaus, thereby damaging my credit profile. 

Impact on Me Their actions are causing significant harm to my creditworthiness and financial stability, as this debt is inaccurately reported and unvalidated. These practices are unlawful and have negatively impacted my ability to secure credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis Consumer on several occasions in reference to incorrect information on my XXXX XXXX XXXX XXXX ( XXXX ) report. My last contact was on XX/XX/XXXX because of an underwriting decision that increased my car insurance rates based on two incidents on XX/XX/XXXX and XX/XX/XXXX. I was sent a letter dated the same date as my discussion from LexisNexis showing that those two incidents on XX/XX/XXXX and XX/XX/XXXX were listed as not at fault. On XX/XX/XXXX ; I was sent a letter from XXXX XXXX XXXX Underwriting stating that they were cancelling my insurance effective XX/XX/XXXX due to three collisions on dated XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX which were listed as at fault despite being reported and confirmed by XXXX XXXX and XXXX XXXX as being not at fault. This incorrect information has caused severe harm to my insurance rating and ability to secure reasonable priced insurance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I found some fraudulent accounts on my report. Please remove these accounts from my report. It is hurting my ability to obtain credit.
Product: Mortgage

We had a forbearance and when it ended I filled out the modification paperwork 15 different times. They kept saying that they needed something else. They kept telling me to call back in a week and check the status on the modification. This went on well over a year. They put our house up for sale for forclosure without even notifying us. We found out by someone knocking on our door asking us to quick sale the home to them instead of it being auctioned. They also reported to the credit bureau and our score went from the XXXX 's to the low XXXX 's, They charged us several XXXX in late fees. I finally got them to accept the paperwork and instead of putting the missed payments on the end of the mortgage, they are making us pay XXXX more than what our mortgage payment was. We payed {$780.00} with insurance and taxes included. We are now having to pay {$1200.00}. This is a struggle since we are on a fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I accessed my TRANSUNION credit report to see FIVE fraudulent accounts that are not mine as well as ONE hard inquiry thats not mine. 

The fraudulent accounts were as follows : XXXX  XXXX with the account number XXXX, to the amount of {$4300.00}. 
XXXX XXXXXXXX XXXX with the account number : XXXX with the amount of {$4300.00}. 
XXXX  with the account number of XXXX with the amount of {$1600.00}. 
XXXX XXXX XXXX with the account number XXXX, with the amount of {$5300.00}. 
XXXX XXXX XXXX with the account number of XXXX, with the amount of {$13000.00}. 

The TRANSUNION Report # was. XXXX On top of this I never provided TRANSUNION with my written permission to publish ANY of this information on my report, which is my right as a consumer per USC codes.

This fraudulent information has made my credit score extremely low and as a result of this Ive been rejected from several loans, an apartment, and it has been extremely emotionally distressing.
Product: Credit card

I am so sick of being fraud by my own bank and they absolutely are pocketing money from people 's accounts this is not the first time bank of America has screwed my whole life putting in a report that we are a risk in my home they are the risk several times I transfered money from one account to another go pay bills and they would tell me after the money disappeared that the money was never used that it was still in my account and no it wasn't it was never reflected that the money was even added to the balance or that it even left my other checking account they now have me as a risk and that's XXXX awful because of that no one will give me a bank account now for my rewards and balance on my credit card the last few months I've been having problems with my rewards and the rude woman I talked to said it shows I have only XXXX in rewards this month that's a lie I sit every month and figure out my rewards last month I got like XXXX dollars but what I am spending and what rewards I am getting is not making any sense I figured it out this month to be about XXXX XXXX dollars but the woman on the phone told me XXXX dollars this is where this bank literally takes advantage of senior citizens they abuse their positions and take any money they can get away with XXXX XXXX  it last month to for my balance at the end of the month I believe it was the credit I waited for to reflect on my card and it just disappeared my accounts don't add up from my deposits as well I use to look Forward to my rewards but how I get the rewards is in a way I never actually see them cause they add it up to what's owed from way back so I never really see any refunds or rewards I am tired of this bank screwing with my accounts and taking money that is not theirs I get very little every month iam being discriminated against by bank of America as well I use to have call auto pays that we're in an old card whenever I got a new card but for awhile now it's seems my auto pays automactically transfer on yo my new card this is a privacy issue because when XXXX asked bank of America they would come up with visa company did it and when I talked to visa they Said they would go to court over this because they said it was bank of america that was actually giving my new card numbers out not visa I have a witness to them continuously doing this I want some thing done regarding a these problems or take them to court and no after them fog theft fraud and privacy violations
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of repeated appearance of negative items in my credit file. I have diligently provided all necessary documentation and followed all required procedures to substantiate my claims of fraud. Despite these efforts and numerous follow-up communications, the fraudulent items remain on my account, causing significant financial and emotional distress. The persistent presence of these fraudulent items is unacceptable and undermines my confidence in your institution 's ability to protect my financial interests. It is imperative that this issue be escalated within your organization to ensure an expedited and thorough resolution. Please ensure that all fraudulent transactions are expunged from my account without further delay and have a thorough Investigation as well as please assist me to conduct a comprehensive review to identify and address the root cause of these unauthorized charges, implementing robust measures to prevent future occurrences. Please help me remove these fraud items in my credit file immediately : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

We opened a chase business account on XX/XX/XXXX. 

Chase offers Mobile deposits which we used extensively. We deposited about 14 check on XX/XX/XXXX which they held funds for a period of time which is consistent with their terms. 

Shortly after making these deposits, chase restricted the account for the first time. I called the baker where I set it up in Florida and he unrestricted the account and apologized and said he put notes in the account. The consequence Of this first restriction is they returned one check for {$1000.00} and that employee incurred fees as a result. 

We then made one deposit of $ 50k on around XX/XX/XXXX. 

On XX/XX/XXXX the funds availability was about $ 10k and the $ 50K was being held for 14 days Then on XX/XX/XXXX we went to the branch in XXXX XXXX Mn to withdraw some funds via a cashiers check since we were out of the office. 

They said the entire account was frozen and restricted until the $ 50k check cleared on XXXX Or so. 

This was the second time in a month that this account was frozen and restricted. I offered to have them call the banker which they refused or To Do a three way call with treasury management which they also Refused in order To verify the {$50000.00} check which was being held. 

I said I was only withdrawing $ 2k which was available from the $ 10k that it showed was available on XX/XX/XXXX. 

The bank wanted my ID to verify me which they did but still restricted my access to the account and my available balance until XXXX when the {$50000.00} check cleared. 

I was out of town and stranded without access to my available balance which seem unreasonable by a bank.
Product: Credit card or prepaid card

On XXXX I booked a hotel reservation at Southwest.com ; Arrival date XXXX. 

On XXXX ( well within the cancellation policy of before XXXX local time XX/XX/XXXX ), my travel plans changed. 

I searched for an email confirmation but, despite the vendors claim in its response to Chase, I did not receive a confirmation from the vendor. 

Without a confirmation, I took alternative steps to cancel the reservation. On XXXX - 3 days prior to the cancellation deadline, I logged on to Southwest.com to get additional info to cancel the reservation. 

At Southwest.com ( In partnership with XXXX ), I clicked on Hotel, Manage Reservations ; at Manage my booking, I clicked Resend confirmation email and entered my email address and waited for a confirmation I still did not receive a confirmation email. 

On XXXX ( still three days before the cancellation deadline ), I sent an online inquiry to XXXX Customer Service ( because Southwest.com says hotels are booked in partnership with XXXX ) asking for assistance to cancel the reservation. 

XXXX responded on XXXX 2022 We'd be happy to help you with your booking. First we'll need some additional info from you. Reply to this message providing as many details as possible, including : o Confirmation number and PIN o Email address used to make the reservation o Accommodation name and location o Check-in and check-out dates See Exhibit 1 On XXXX ( still three days before the cancellation deadline ), I responded- I didnt not receive a confirmation. Thats the problem. If I had a confirmation, I wouldnt have contacted XXXX XXXX XXXX XXXX XXXX by the XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Guest - XXXX XXXX ( XXXX ) Arrival - XX/XX/2022 Check-out - XX/XX/2022 e-mail - XXXX ( See attachments ) On XXXX ( still three days before the cancellation deadline ), I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by telephone and spoke to the General Manager ( XXXX ) XXXX XXXX could not cancel the reservation because it was booked through XXXX. I requested and XXXX provided the two confirmation numbers. After that call, I sent another e-mail to XXXX I did not hear back from you. I called the XXXX XXXX XXXX XXXX by The XXXX  today ( Wednesday ) and they have a record of the reservation but could not cancel because it was booked through XXXX. 
The confirmation code is - XXXX The XXXX confirmation is - XXXX Please cancel this reservation. 
XXXX XXXX XXXX XXXX attachments On XXXX ( still three days before the cancellation deadline ), I logged onto my chase.com account and disputed the charge. 

On XXXX, I filed claim # XXXX with with Chase ( see attachments ) On XXXX, Chase rejected the claim ( see attachments ) On or about XXXX, I contacted Chase and the agent suggested I submit a " re-dispute '' claim and include a summary and less detail because " 35 pages is a lot to review ''. 

On XXXX, I filed " re-dispute '' claim # XXXX with with Chase ( see attachments ) On XXXX, Chase rejected the claim ( see attachment ) and in a telephone conversation on XXXX, the Chase agent said the claim was not eligible for further disputes and the only option was small claims court
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint ( Case ID : XXXX ) submitted on XX/XX/year>. Initially, I believed this issue stemmed from a bank error. However, as I indicated toward the end of my prior complaint, it now appears that XXXX of XXXX XXXX did not fulfill their contractual obligation to pay off the full remaining balance of my car loan. This constitutes a breach of our agreement. 

Over the past few months, I have made numerous attempts to resolve this issue directly. XXXX of XXXX XXXX initially insisted they had paid the full amount of the loan, while my bank, XXXX, maintained that they had not received the payment. After persistent inquiries, XXXX finally admitted their mistake XXXX weeks ago and sent me a letter from their finance director confirming the error. 

I promptly forwarded a copy of this letter to XXXX as evidence. Despite this, as of yesterday, XXXX confirmed they have still not received the payment from XXXX. This delay has caused significant harm to my XXXX XXXX, dropping it from XXXX to XXXX, a XXXX decrease. When I requested assistance from XXXX to address the credit damage caused by this payment delay, they stated there was nothing they could do to repair my credit score.
Product: Debt collection

I recently called and emailed the company in attempts to have the debt amount corrected in my credit report. They are reporting that I owe {$3500.00} when the debt should be reported as {$1700.00} per the XXXX county clerk of court. I have a notarized document from the court house that has the correct amount owed.
Product: Money transfer, virtual currency, or money service

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

Portfolio Recovery Services called me repeatedly and would not leave a message. When I finally answered the number that kept calling me while I was at work they told me they were trying to collect a debt on a XXXX XXXX XXXX that was repossessed in XXXX. I told them that it was settled a long time ago and later found out that it was past the statute to collect on anyway. It was written off and finalized several years ago. In fact when they called about it I had forgotten about it by this time. It was over 12 years ago when that happened.