23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Notice to File a Complaint XX/XX/XXXX Ref : Complaint for deceptive and predatory financial practices. 
Dear Sir or Madam, The complaint I am filing against Navy Federal Credit Union involves Unfair Restrictions on Account Access and misleading and deceptive practices. Additionally, it involves public reporting of fraudulent claims against me for debts on accounts that have already been paid, and billing errors. As a result, I have been denied credit with other corporations. Despite having trusted Navy Federal Credit Union with my credit/accounts, they have refused to send me tax documents, paper statements, and invoices for all accounts on file. After being charged twice in the same month, I feel targeted. In a dispute with a merchant who never sent items paid for, they refused to refund the account. Despite providing proof that the items were returned, this still happened. In the absence of notice or permission, they have stolen funds from my checking account to pay a bill. Also, I have noticed fraudulent account activity with a non-Navy Federal Account that has been added for transfers on a closed XXXX XXXX  account. Please note that this account has never been added or opened by me. My request for documents was ignored by the supervisor of the credit card department, XXXX. This company has blocked my credit and prevented me from using my credit cards so many times. Despite my best efforts, I was unable to access my credit and I had to call at least five times a day to get them unblocked the card. Due to their deceptive and predatory financial practices, I would like to have an investigation conducted. The CFPB investigation found that Navy Federal Credit Union deceived consumers to get them to pay delinquent accounts. The credit union falsely threatened severe actions when, in fact, it seldom took such actions or did not have authorization to take them. The credit union also cut off members electronic access to their accounts and bank cards if they did not pay overdue loans. Hundreds of thousands of consumers were affected by these practices, which occurred between XX/XX/XXXX and XX/XX/XXXX. The practices violated the XXXX XXXX XXXX XXXX and Consumer Protection Act. Specifically, the CFPB found that Navy Federal Credit Union : The Consumer Financial Protection Bureau tasked to protect consumers from deceptive and predatory financial practices by ensuring banks, mortgage and student loan lenders, and credit card companies play by the rules.
Product: Mortgage

I am located in California and have a line of credit with PNC. I have not had a balance on this line of credit for quite some time. We are selling our home and needed to obtain a pay off demand from PNC to close on our home. PNC has not sent us any statements so we did not have the current account number. Called them and they verified who I was through their three step verification process. Initially spoke with XXXX who said she could not provide any information because I could not verify the most recent credit limit. Escalated up to XXXX XXXX who was able to verify who I was. Issue is that he said they are unable to provide me with my loan number to order the payoff nor can they email or fax me a statement because I am not located in their " footprint ''. He said the only way they could do this is to have me go to one of their branches that is out of state or I will have to wait 5 to 7 business days from them to mail me the information via standard US mail. I explained that if this process takes too long I will not be able to close my home on time. Are they sure there is no other way to accommodate a customer outside of their bank footprint. He said no. This is concerning. If a bank is doing business here in California they should have policies in place to accommodate their customers just like they could the ones within their bank footprint. Almost sounds like disparate treatment!! This will not be a huge issue for me as long as I can obtain my pay off in two weeks but for other customers outside their bank foot print this could be an issue. Thank you.
Product: Credit card or prepaid card

I received Email regarding opening banking account with HSBC that I did not open. I also received letter in the mail and a credit card. Card in letter shows HSBC, credit limit was XXXX and application was filled around XX/XX/XXXX. I called them and spoke to a foreign person. He wanted personal information and I did not feel comfortable doing so. I tried telling them I did not fill out anything but believe there was a language barrier. He told me to reach out to credit XXXX to report fraud. I called and placed Fraud alert but was told to reach you since account has been opened.
Product: Debt collection

I was called by IQData for the first time today XX/XX/XXXX at XXXX. 
The representative identified himself, told me I was on a recorded line and said it was about trying to collect a debt. 
He said what the debt was about and the amount which is over XXXX XXXX dollars. He asked me if it was something I was going to resolve today. 
I politely told him that it wasn't something I could resolve today but to call me at another time. 
He snapped and raised his voice and started to very aggressively demand I pay now because it was my debt. I told him it wasnt as I didnt live in that rental community during the time owed but that i was looking to resolve it ( my name was on the lease and I communicated to rental community that I no longer lived there. I never got an email with a bill, a mailed bill or phone calls ). 
He yells at me and tells me that the dent is mine because XXXX ( the other person on the lease ) declared bankruptcy and that it was mine ( fully yelling at me ). 
I told him I had no intention of discussing my personal business with him and that he couldnt intend that a debt that was 3 yrs old and them calling me for the first time was going to get resolved today. 
He yells at me even louder and accuses me of running away from my debt. 
I had never been charged up to this day. 

I told him he was unprofessional and how dare he and hung up. 

I suffer from anxiety and to be belittled, yelled at and accused by complete stranger regarding a matter im not refusing but asking to be contacted at another time is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.
Product: Mortgage

For over six months I have been attempting to work out a Loan Modification agreement with this company since the end of 2021. I do not believe this is a legitimate company and I feel that they intentionally engage in dishonest tactics and unfair business practices. The CFPB does exactly nothing about it, Per my attorney 's instructions, I am filing a final complaint before commencing a lawsuit. I requested a loan modification due to employment income loss from XXXX which has never returned. I couldn't afford my payments prior, and now LoanCare has made me an offer raising my FHA interest rate from 4.00 % to 5.20 %, and my monthly payment from {$1600.00} to {$1700.00}. No reasonable person would agree to this offer, therefore, I can only believe the offer was made in bad faith. Additionally, LoanCare turned my account over to collections during the review process of their loan modification process, which I believe is a violation of the Fair Credit Reporting Act. 

I have attempted to work this out with the company directly multiple times, they refuse. Therefore, since the company is aware I couldn't afford my payments previously, refused to lower may payment and APR as requested, and has assessed bogus attorney fees {$1000.00}, which I will not pay. 

If LoanCare wishes to avoid a court resolution to this matter, they can re-extend the previous offer to lower my payment and APR. If not, I will have to pursue any and all available damages in court. No part of me believes LoanCare is a legitimate business or that they executed any of their dealings with me in the past year in good faith. 

I have also applied for assistance from XXXX for funds to pay all of the back payments I owe to LoanCare. If I receive these funds, it would bring my account current with LoanCare. They would then have no basis for any of the actions they have taken against me, including foreclosure during their own modification review process. 

I would also like to reiterate the company made me a different offer previously for a lower payment and APR, so it can be done. However, because LoanCare so XXXX, the documents arrived after their expiration date, so they were invalid and I had to start the process all over again. I'm asking LoanCare in writing, one final time, to do the right thing and re-extend the previous offer, they claim expired due to their mail issues, to avoid litigation.
Product: Credit card

I did a balance transfer using promotion checks on my Chase Freedom Card. I was told by the rep that the monthly payments would amount to approx. {$100.00}. First bill comes in with a monthly payment of {$510.00}. Called Chase dispute department and the manager was unwilling to change the monthly payment amount despite the information given to me. She kept repeating the company terms of how monthly payments are calculated ( a confusing tangle of options this OR this OR this ). 

Nowhere on the promotional checks or accompanying letter, or my statement balance does it explain the terms of how monthly payments are calculated. The manager was unwilling to change to monthly payment amount, despite what the Chase rep who did the transfer said. ( I 'm sure this is all recorded ). 

This is a misleading and a deceptive practice and could lead to financial ruin for the consumer. Consumer has the right to have all the correct information as to make an informed financial decision. Please intervene.
Product: Credit card

I am writing to formally dispute and contest the unfair and deceptive practices related to my credit card account. The actions taken by your company have resulted in financial harm and violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act. Unjustified Interest Rate Increases : My interest rate was increased arbitrarily and without clear, refusal to lower interest rate, transparent justification, making it nearly impossible to pay off my debt due to excessive interest rate added. This is a predatory practice aimed at capitalizing on consumers. Your company increased my credit limit and later significantly reduced it without notice or justification, causing a severe impact on my credit utilization ratio. This action negatively affected my credit score, which constitutes an unfair and deceptive practice under the Fair Credit Reporting Act. Requested Resolution A full refund of any unjustified fees or interest rate increases applied to my account. An immediate reinstatement of my prior credit limit to rectify the adverse effects on my credit score. A written explanation and correction of any misleading contractual terms. A formal investigation into these predatory practices, with corrective actions taken to ensure compliance with federal laws. Legal violations 15 U.S.C. 1681n, 15 U.S.C. 1681o, 15 U.S.C. 1637, 15 U.S.C. 1666, 15 U.S.C. 1637.
Product: Checking or savings account

Went to Chase Bank to deposit XXXX USD from my parents since she knew I wanted to save up for shoes whilst also still having remaining money in my checking, and on the street there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me quickly if I banked with chase, and ushered me inside of the building where the ATMS were. There, he told me that his account was overdrafted and he desperately needed money, and handed me roughly XXXX USD, which I was still confused about since he was talking so fast. I didn't want to do anything quickly because he was significantly larger than I was, and I didn't know if he was going to harm me since he was beginning to be more impatient and started pacing around since there was a line at the singular ATM working at the time. When we were up in line, he told me to put my debit card in and the PIN and he grabbed a check from his pocket, and at this point, he hasn't told me how much he actually needed until I saw XXXX pop up, in which point I was starting to actually panic, and to my surprise, the check went through on the ATM, and he tried to initially withdraw XXXX USD from the ATM after depositing his check, to which I asked him why, and he said it was a mistake. He then told me to pull up my phone email since the ATM declined the transaction, and when I did, he reached down and confirmed that the transaction was legit, and I got freaked out from that. After that, he withdrew his XXXX from the ATM and quickly took the money and sprinted out, after that, I just deposited my money, including the extra XXXX dollars he had given me prior. A day later, the check bounced when I expected the ATM fraud detection to catch it when it went through at the atm.
Product: Credit card or prepaid card

I had filed an unemployment claim. Someone had rerouted my XXXX Bank of America Prepaid Card to their address and spent the funds on the card. I was informed of this by Bank of America when I called them requesting info on why I have not received my card. Bank of America immediately reimbursed me the funds. 
Approx. a month later Bank of America closed my account and put my account in the negative stating I was responsible for the money stolen. I filed a claim with Bank of America, In the meantime, the funds XXXX deposited into that account were kept by Bank of America in the amount of {$8100.00}. Bank of America will not reimburse me those funds as they applied it to the negative balance they state I owed them. I reopened the claim, Bank of America requested a copy of my ID via fax, which I sent them. They needed to compare my ID to the picture of the man who stole my original card. They have a picture of the man and my Id and have determined that it was not me who spent the original funds, yet they refuse to reimburse me the {$8100.00} that they owe me. 
I call them daily and they keep telling me to wait that it is not in their hands that it is the fraud department. I called the fraud department and they tell me claims are handling it. I speak with claims and they have just been giving me the runaround. Putting me on hold for an hour to speak with a supervisor then disconnecting the call. I call back only to be put on hold another hour and disconnected. This needs to be resolved.
Product: Credit reporting or other personal consumer reports

To whom it may concernPlease remove the collection account on my credit report. The Credit Card company wrote off this debt on their taxes and sold it to the collection agency for pennies on the dollar without my written consent. I wasn't given a 20 days ' notice. it's a fraud, invasionof privacy, Identity theft. It's illegal to place their collection on my credit. It's an emotional stress on me because I can't apply for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to Transunion by phone couldn't get through to the fraud team regarding fraud inquiries on my credit report. There is 21 fraud inquiries that must be removed immediately. I have submitted an FTC report. I will be attaching my driver license for the verification of my identity and also the FTC report as well. These Inquiries have effected me and my family in a negative way and stop me from providing essential things for my family. Thank you, God Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX credit report and attempting to dispute information that was not correct but the company did not respond. XXXX wrote that they use date received from Innovis so I will be adding them to this complaint. I am attaching the disputed information to this complaint.
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. 

Account name : # XXXX Account name : # XXXX XXXX family support 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

This is in reference to XXXX XXXX XXXX 
There is a collection with XXXX, Equifax and XXXX XXXX concerning a loan that I had with XXXX XXXX. The collection was on my credit report for 7 years and was removed because of the time frame had expired. By law, they had to remove this collection and was removed in late XXXX or early XXXX. It has since been re-established on my credit reports as of XX/XX/XXXX. 

I believe this is a flagrant and intentional violation of Federal law. I am requesting you look into this issue on my behalf and hold the company responsible for their error.
Product: Credit reporting or other personal consumer reports

the investigating from my first complaint XXXX  is open credit acceptance has responded, and I also put a freeze on my credit all three until the issue is resolved well one of my credit company s emailed with a what has changed in my credit report and this is after I put the freeze on my credit as if on purpose credit acceptance reported another lie of a missed payment stating on the XXXX of XXXX well why would they report when the agreement says the XXXX and all this was discussed. therefore let me bring out the rest this company is financing salvage title and just not calling them salvage title s and the big people really needs to be brought in and i will be glad to testify against them I have the receipts as well as my extended warranty company XXXX spent on a XXXXXXXX XXXX XXXX all repairs plus XXXX so far on XXXX total price for the XXXX  so I have rebuilt the car and they want to fight to XXXX up my credit the government needs to know all of this Iam sure XXXX  will also say they have had it with paying for repairs on this XXXX  it's a salvage piece of garbage and the company they are in cahoots with knew it as well as credit acceptance. I desire to sue this company with the governments knowing this pass the lemon law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT ( S ).
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX Bankruptcy DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX