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

I am a XXXX XXXX XXXX American woman retired and living in XXXX, XXXX. 

On XX/XX/2023 I attempted a withdrawal from a local ( XXXX ) XXXX XXXX ATM. I received a withdrawal receipt showing XXXX pesos ( {$600.00} USD ), but no cash. 

I informed my bank, USAA Federal Savings. A USAA Resolution Team initiated a refute with XXXX XXXX, case XXXX. Within a few weeks, the Resolution Team informed me that it had decided in favor of XXXX XXXX based on a document of proof which revealed that the ATM had gathered XXXX XXXX peso notes. 

I objected to the USAA team that proof that the ATM gathered XXXX pesos was not proof that the ATM issued the cash. I stood by my word that no cash was issued to me. 

However the Resolution Team stood by its decision that cash had been issued and that I got it. 

I asked for help from XXXX, XXXX XXXX ( XXXX XXXX, ext XXXX ) as well as XXXX XXXXXXXX XXXX  But the resolution team said its decision was final in favor of XXXX XXXX. 

On XX/XX/XXXX, my checking account was debited {$600.00}. I assume XXXX XXXX got it. 

I am XXXX XXXX XXXX. My income is a monthly Social Security check and some financial help from family members in the USA, from which I pay rent and living expenses as well as ever-increasing medical bills for serious health issues. 

I am very upset by the callous and illogical decision of the USAA resolution team. I never learned any names of the team members. They signed any emails with USAA Federal Saving. But they obviously are determined not to be crossed. Can CFPB help me resolve this matter in my favor? 
XXXX XXXX USAA member XXXX
Product: Debt collection

I attempted to reach out to collectors on XX/XX/23 and gave them ample opportunity to resolve this issue the account was closed and paid off
Product: Credit reporting or other personal consumer reports

, I dispute the following items as they are unknown to me : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$2700.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Since this card switch to Barclays it has been a total nightmare. I never make late payments and I actually pay my XXXX card in full each month. Yet with this card I have set-up my account for auto payments several times since XXXX. Each time my scheduled auto debit payment somehow gets totally removed from their system and then I get a late fee notice. This account rarely has charges and when I do have charges and I schedule the payments, those scheduled payments disappear and Barclays says I never scheduled them. 

XX/XX/XXXX charged me a late fee of {$29.00} XX/XX/XXXX charged me a late fee of {$30.00} XX/XX/XXXX charged me a late fee of {$41.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX XXXXXXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX  XXXX  XXXX. Understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXCredit Bureau : XXXX XXXX XXXX  XXXX, XXXX XXXX , FL XXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report.

I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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: Mortgage

For several months now, my mortgage holder, Chase, holds my payment checks drawing up the interest. There's no reason they should do this as I always send the mortgage payments via check a week or longer in advance. I feel they are doing this intentionally as I draw closer to paying off the mortgage to prevent me from paying it off sooner than later. 

I have had other issues with Chase like when I tried to refinance with them and they became uncooperative and almost impossible to contact during the process. This is for obvious reasons as my mortgage is at 6 % and they don't want to refinance it at a lower rate. 

I started noticing the delays in cashing my check several months ago and have written to them on a couple of occasions about the issue. They don't do anything and yet I'm seeing a charge for interest on my mortgage account.
Product: Bank account or service

On XXXX XXXX, I submitted a cheque drawn on a XXXX bank to JP Morgan Chase for payment. I was paid {$820.00}. On XXXX XXXX, Chase recouped {$890.00} from my account ( plus another {$8.00} fee ) saying the XXXX bank had refused the cheque. 
After many phone calls, on XXXX XXXX, I submitted to Chase evidence that the XXXX bank had honored the cheque. I sent this by fax and by email. 
Today when I talked to Chase, there was nothing on their file and he could not help me.
Product: Mortgage

I live in the XXXX XXXX XXXX XXXX  area of the XXXX. In XX/XX/2017 we had two hurricanes. During both hurricanes the Governors of XXXX and XXXX   declared a state of emergency and all of us living on the XXXX/XXXX coast. were mandated to evacuate from the area for a period for 10 days each time. 

Evacuation was not a choice. Since I work for XXXX XXXX  and live in XXXX I had no choice but to evacuate. This is extremely costly. We were given live checks each time. 

I called Carrington mortgage company to explain we were evacuating and requested that they document my phone call. I also explained we were given live payroll checks. I am usually a direct deposit pay and pay my mortgage on line. I am NEVER late for my mortgage payments. But it took the checks 15 days to clear each time because of the state of emergency in our area. As soon as they cleared I paid the mortgage company. They still reported my late n my credit reports even though we were in a state of emergency at the time because of the hurricanes. 

Not only did they they not record that I contacted them, they would not take the late reports off of my credit reports stating that they " had no information from FEMA ''.  Given that I can do a XXXX search and find the governor 's of each state declaring our area a mandated evacuation area and a state of emergency I don't know what their problem is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Product: Student loan

XXXX  loans with nel net first account number  XXXX  there is a direct and a sub direct. well several times i made large lump payments ov er 1000.00 t o bring down my loan balance and they applied to to interest. I was never late on my loan so i had no past interest due. when i questioned them i was told that that is how they handle there loans that any addl money paid gos to future interest not the principle. i thought this was weird practice so i never paid them a lump some again. I have paid off the loan however i believe they have robbed me and applied my monies incorrectly and i can not get them to fix the issue.     My name is :  XXXX   XXXX   XXXX  date of birth is  XXXX / XXXX /  XXXX   last  4 d igits of social is  XXXX  address is  XXXX   XXXX   XXXX   XXXX , ca  XXXX  phone  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXXXXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
3. I have not supplied proof under the doctrine of estoppel by silence XXXX vs. XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am reaching out to express my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that revealed significant shortcomings with the platform. Despite being a frequent Zelle user and reporting discrepancies in transactions, neither my financial institution nor Zelle conducted a thorough investigation of my claims. I was told that recovering lost funds was not possible and that tracking the transactions was beyond their capability. The CFPBs findings suggest that Zelle has failed to safeguard consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these following accounts have violated my rights Account Name : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B States a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

ACCT # : XXXX Freedom Mortgage Payoff off requested date XXXX XXXX Unapplied principal payments as requested, intead applied to interest. 
Once the monthly payment recieved, I notice some payments were not acurate with the payoff letter, I overpaid money. 
After talking to a representative, I was told that my payoff was {$10000.00} on XX/XX/year> once I recieved the payoff letter by email, the amount changed to {$10000.00}. 

I sent the amount requested as instructed by mail, to pay in full of {$2800.00}, the reason why is due to the amount of money that I sent to the principal as follow : {$2200.00}, {$5000.00}, {$7800.00}, {$2000.00} Plus the full payment of {$2800.00}. 
Also I was charge the month XXXX and XX/XX/year> ahead of time. ( {$2800.00} ) Also payment for XX/XX/year>, XX/XX/year>, XX/XX/year>, I notice as my knowled where unapplied and missing. 

On my calculartions $ {$19000.00} - {$10000.00} = {$9800.00}. 
After talking to varios people in charge, the Vice present of Closing Deparment, they are telling me that I am incorrect
Product: Mortgage

I just received a letter from Bayview Loan Servicing a debt collector who is threatening to foreclose on my home. They acquired the loan from XXXX. The original lender, XXXX failed to transfer the mortgage and the promissory note to XXXX. Because of this, there has been no payment on the loan in six years and eight months prior to Bayview Loan Servicing, a debt collector " acquiring '' the loan. Under Michigan statute the debt is Time Barred. ( Six years is the statute of Limitations on Promissory Notes in Michigan. ) Bayview Loan Servicing , LLC is threatening to collect on a Time-Barred Debt. Please investigate this Debt Collector.
Product: Vehicle loan or lease

On XX/XX/XXXX I refinanced my XXXX XXXX XXXX ( VIN XXXX through Navy Federal Credit Union with my wife as a cosigner. The loan number is XXXX and since the mileage was over the " New classification '' it was deemed to be a used car loan. The amount financed was {$65000.00}, at XXXX XXXX interest for XXXX months. I wrecked this vehicle on XX/XX/XXXX, it was totaled, and I contacted NFCU to get the GAP protection activated for the payoff discrepancy. It wasn't until this call that i discovered that the loan ending in XXXX was in fact on another vehicle. The other vehicle is a XXXXXXXX XXXX XXXX ( VIN XXXX ) and the loan number is XXXX opened on XX/XX/XXXX and is a new car loan. The amount financed was {$69000.00}, at XXXX XXXX interest and the term was XXXX  months. There are two loans with different terms, amounts, and periods on the XXXX XXXX. By NFCU 's own admission on a recorded telephonic call that occurred on XX/XX/XXXX at XXXX Central time. The customer service representative relayed to me from her supervisor that yes indeed NFCU made a mistake. With this information the representative then also said since I had signed the promissory note that the loan is valid and they would do nothing to rectify the situation. The NFCU Security Agreement states the following : " The owner ( s ) of the collateral warrant ( s ) that he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral ; and that as the owner ( s ), he/she has the right to make this agreement. If the collateral described on the front is to be purchased with the proceeds of this loan, Applicant warrants the proceeds will not be used for any other purpose. '' Their own rules and agreements are not being followed and I am now suffering great mental and physical stressors that are leaving me with a myriad of symptoms. I don't understand how this practice is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX, and 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: Credit card

I submitted a dispute transaction with my bank about a purchase of {$600.00} with XXXX XXXX XXXX. 
The goods were delivered to the wrong account. Despite my documentation, Navy Federal denied my dispute. 
I requested all the documentation from the merchant. Navy Federal sent me the documentation. The documentation clearly shows that my order was sent to a different account. 
Moreover, I sent them a screenshot and report of my account showing no trace of the transaction. 
I asked Navy Federal to reopen my dispute and reinvestigate it. They refused which is against the Federal Law ( Fair Credit Billing Act, FCBA ). 
I have proved by good faith and Navy Federal replied to me in bad faith.

Moreover, they said in the letter they sent that they are going " to continue to attempt to recover the funds through XXXX XXXX  pre-arbitration phase of the dispute resolution process ''. However, they immediately reposted the transaction on my account which represents a second violation of the FCBA. 
I am requesting from Navy Federal to reopen my dispute transaction and to treat it fairly. 
They have all my documentation showing that the transaction was sent to another account and they also received from the merchant the transaction tracking showing that another account received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Nissan, shows my account was delinquent in XXXX of 2018. I was not delinquent in XXXX. They need to make the necessary adjustments on the credit report
Product: Credit reporting or other personal consumer reports

This letter serves as a final notice regarding the unverified negative accounts that remain on my credit report in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX ). A credit report inquiry by XXXX revealed one derogatory line on my credit report ( Item 29 XXXX : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
Product: Mortgage

I lost my full time employment the end of last year. I had been looking work and to start my own business since that time. Earlier this year my wife 's employment also changed, during the same time my father came to stay with us for a few months due to failing health. We had to look to assistance from the government. I submitted a hardship to BB & T for help with the payments we were behind. I had to submit this hardship XXXX. Both times BB & T has declined the hardship, stated unable to verify my employment or income. I submitted all paperwork I was asked for. I am still employed at the same place part time, I have been employed there for almost 5 years. We do not receive paper checks or stubs, the office staff printed out a stub for me to send BB & T. BB & T stated to my wife they would not accept this stub. I have no other way to show my income. BB & T has my tax records, bank statements and copies of wages, all that prove we are in hardship. During the time of the hardship process we had tried to send in some kind of payment. My wife spoke with BB & T, they advised her if we could send in the remainder of XXXX and another full payment by XXXX XXXX that it would be accepted. The payments were returned now causing us to be a total of 5 months behind. My wife called about a repayment plan, the first lady stated to return the payments that were sent back to us and try to add to it, the repayment plan would be a little over our original payment. When my wife called back to try to set up the repayment the next lady stated the payments would be almost double, in which my wife told the lady there was no way we could pay that. We are at a lost and trying to set up a repayment and keep our home, BB & T is trying to take our home. We just wanted a fair chance, but BB & T would not even process our hardship request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, XXXX  XXXX, Experian late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.