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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges, debits, and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite having available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit card or prepaid card

I opened a CapitalOne Venture XXXX account on XX/XX/2022, which charges a {$390.00} annual fee. In exchange for that annual fee, CapitalOne and its partner companyXXXX XXXX, market this card as providing insurance coverage in the event of accidental damage to a rental car purchased with the CapitalOne Venture XXXX card. 

I rented a car in XX/XX/2022 through XXXX and experienced minor accidental damage resulting in a charge of {$250.00}. I initially submitted a claim to XXXX electronically on XX/XX/2022, claim # XXXX. After nearly 2 months, I had not heard back from XXXX card benefit services, and only after calling them ( and waiting on hold for cumulatively over an hour ) did they acknowledge the claim and were unable to provide a rationalle for the delay in processing, falsely claiming they required additional information. The 'additional information ' they required was the estimate of damage, which I clearly submitted initially on XX/XX/2022. 

XXXX provides inappropriately poor customer service coverage, resulting in excessive and unreasonable wait times. VISA card benefit services failed to read the paperwork I submitted with this claim on XX/XX/2022, thus delaying my claim process indefinitely without any notification to me. Had I not reached out to VISA after 2 months, VISA would not have processed this claim. XXXX has been in possession of all required documentation to process this claim for 2 months and has yet to properly pay out the claim as contractually obligated under the CapitalOne XXXX XXXX sales agreement. 

Both CapitalOne and XXXX refuse to provide remuneration. I feel that CapitalOne and XXXX have violated the sales agreement under which I purchased credit card services. I paid the {$390.00} annual fee in full upfront in XX/XX/2022 when I opened the account, and in exchange, CapitalOne assured me I would be provided with a rental car accidental damage waiver which VISA does not honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of a sudden on XX/XX/XXXX information from 1996 is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX has XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2023 Navy Federal Credit Union extended credit to me for the purchase of a promissory note I issued. I tendered payment and a receipt to the financial institution for the full amount. The payment was accepted both online and by their loan payment center. 
The original contract along with an allonge and power of attorney for the principal was accepted by NFCU.
Product: Credit reporting or other personal consumer reports

These inquiries are on my XXXX  XXXX and XXXX reports i have never applied for such a loan or lease these inquiries are fraudulent please remove. 

XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, ( Payment is for my XXXX mortgage payment ) I purchased a Cashier 's Check from my Bank to pay for my mortgage. I went to the Post office and certified the mail to them On XX/XX/2023. I received proof of delivery on XX/XX/2023. The United Wholesale Mortgage stamped the Cashier ' check that they received on XX/XX/2023 ( The attached check and proof of certified mail are included on this claim ) On XX/XX/2023, I received a check from United Wholesale Mortgage for {$2300.00} which was the Cashier Check that I had mailed to them two weeks prior in a different envelope reach out to them by phone they advised me that my escrow account is short they have to make up for the shortage of fun I will need to send both payments together I advised the agent to note in their systems that payment had mailed to them but they return it because of additional fun needed to make up for short escrow account. After speaking with the agent I mailed both checks back to them as agreed on XX/XX/XXXX, XXXX A few weeks later they reported. My payment was never late, and UWM decided to return the original payment that was paid on time. This is not my problem if they decide to return the original payment due to escrow being short of fun. I should not be considered late.
Product: Money transfer, virtual currency, or money service

I looked for someone to sublease my apartment on XXXX. A girl named XXXX XXXX on XXXX messenger contacted me through messenger saying that she wants to rent the apartment and would like to send a check to me to secure the apartment. The rent of apartment is only XXXX but she sent me XXXX instead and said that the remaining of money is for other expense. I deposited the check into my bank account and it appeared in my bank account. Few days later she told me that her father passed away so she needed the money back for the medical bills. I made two transactions through XXXX in Bank of America mobile app. The first one was XXXX USD and the second one was XXXX XXXX. Few days later she sent me another XXXX check as payback. She then told me that she needed another XXXX USD again for her father 's medial expense so I sent it back again. I then checked my banking account and discovered that the previous check that I recieved got returned and is no longer valid which I found out that I was scammed. In total, I was scammed XXXX+XXXX+XXXX=XXXX  USD and the payments were made through XXXX in Bank of America mobile app . I really need my money back and thats all I ask for. Thank you.
Product: Credit card or prepaid card

An XXXX item ( sink water dispenser ) purchased on XX/XX/2023 for {$190.00} was delivered to my house from USPS. Almost immediately, someone followed the mail carrier up the path and stole the item. The mail carrier tried to stop him but the person wouldn't leave the package. I filed a police report and called BofA Card Benefits. The agent there said it was covered ( my guess is there is a tape of the call ), and gave me forms to fill out. I filled them out, sent them and receipts and police reports. I got a response of " this benefit does not apply to real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage doors and openers, ceiling fans, among other items. Please refer to your Guide to Benefits, which outlines what items or losses are not covered. '' The promotion of the card says " Purchase protection for items lost or stolen within 90 days. '' Nowhere on the website can one find a link to a Guide to Benefits, nor can one find one in BofA 's search facility. 

If BofA wants to promote " Purchase Protection '' on its website, it should be required to have a very visible description or link to a description of all of the caveats. They can't just promise something and then apply rules to which customers have no access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now this company is reporting on my Experian credit report that there is a negative payment on XX/XX/XXXX. This account has been closed since XX/XX/XXXX. So there for there is no negative payment.
Product: Debt collection

CAI canceled my default repayment program because of lack of paperwork which I was told by their representative I had turned in all of my paperwork. I set up a payment plan with CAI to get my student loans out of default. During the initial set up the rep told me that they would be sending me paperwork to fill out by XXXX and I would need to complete it and send it back before my 9 payments were complete. I needed to complete that paperwork before my payments were done in order for this process to work. I never received the paperwork but they were taking my payments. I called to let them know I never received any paperwork by XXXX. That rep confirmed it was never sent out and he would have it sent out. Again, I never received the paperwork. I called and the rep again confirmed the paper work was never sent and they would send it. I called again for the 3rd time and spoke with a rep who confirmed it was n't sent again and sent me an email with my paperwork  along with a place to download my files to them. I filled out the paperwork with him over the phone and submitted it. He also said my account had been cancelled because I had n't turned in the paperwork. I had no paperwork to turn in. He said that since I had only missed one month of payments since they cancelled my account and that he would reinstate my account and I would only have 2 payments left. I never received confirmation that they received my paperwork so I called and followed up. The rep I spoke to said that one of my papers was approved and one was denied. She told me word for word what to say on that document, I downloaded it to them while on the phone with her and she confirmed I had handed in all of my paperwork and I was good. I only had 2 payments  left. That last call was in XX/XX/XXXX. My payments were to be done in XX/XX/XXXX. I called in XX/XX/XXXX to follow up as I should have been done. I spoke to 3 reps, one being a supervisor and one a manager. All of them said my account was never reinstated like the previous rep had stated and that no payments were ever taken out after that even thought I had updated payment in XX/XX/XXXX for them to use. I took full responsibility to follow up constantly with this company, did everything they said to do, turned in the paperwork when I finally got it. The manager said my account was cancelled because I never turned in my paperwork. NO ONE WOULD SEND ME PAPERWORK. I had no paperwork to send in. But they graciously took 7 of my 9 payments. Every rep I talked to confirms my paper work was never sent. But somehow it is my fault that the paperwork was never completed. Their only solution was that I need to start all the way over with my 9 payments. I have made full effort to make this transition successful. I was told that I was not speaking to experienced reps and thats why this happened. It was suggested I only speak to tenyear reps to avoid this problem. This mistake was made completely and fully by CAI and they fraudulently canceled my repayment program.
Product: Student loan

On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX  XXXX   whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts
Product: Checking or savings account

I am writing to bring to your attention a serious matter that has been ongoing since XX/XX/2023. This situation concerns my banking account with Citi, which has been handled in a way that is distressing and unacceptable. I am based on North Carolina USA. On XX/XX/2023, I was informed via mail that my Citi banking account was restricted and would be closed within 60 days. It was explicitly stated that I would receive a check from Citi within that timeframe, as I had a balance exceeding {$4000.00}. However, it has been more than 100 days since the notification, and I am yet to receive the aforementioned check. In an effort to resolve this issue, I have contacted your customer service department on more than 40 occasions. Despite the numerous calls and the countless minutes spent explaining the problem, I have been met with nothing but apparent indifference, with no one providing a clear solution or offering a viable means to rectify the situation. The situation has reached an impasse and has put me under substantial financial strain and XXXX XXXX. The absence of a meaningful response and the failure to return my funds is not only deeply concerning but also, in my opinion, unprofessional and negligent. Therefore, I kindly urge you to look into this matter with the urgency it deserves. I have waited patiently for a resolution and would like my funds returned immediately. If my funds are not promptly returned, I will have no choice but to escalate this issue further, including potentially seeking legal redress. I look forward to hearing from you soon with a view to resolving this matter expediently.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Our mortgage was sold to Seterus Inc . Shortly before we filed Chapter XXXX Bankruptcy. From the time it was sold, we have had a very difficult time getting any information regarding our loan. Immediately upon filing Chapter XXXX XX/XX/XXXX, our XXXX sent over authorization ( as requested by Seterus Inc. ) so they could speak to us regarding our account. It has been over 4 years and our Lawyer 's office has sent the required paperwork for them to discuss our account and send us the necessary documents so that we can continue making payments on our account numerous times. It has been sent to the addresses and fax numbers requested, yet every time it never " shows up in their system ''. We are expected to send payments with little to no information of our account status or amount actually due! On XX/XX/XXXX another letter was sent to the number provided by the Bankruptcy department, and they claim it still was not received. We faxed the letter to them directly today, and now are being advised that they have no way to verify they received the fax. They also claim to have no one to call to check to see if the faxes have been received after having to deal with this for several years. It is extremely difficult to maintain an account in which we have little to no access, except being told to send a payment! The fax numbers we have sent the letters to are XXXX, and XXXX. Both have been verified as correct fax numbers, yet paperwork is never received and there is no one we can contact to verify a fax comes through.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX and XXXX credit report. XXXX and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my XXXX XXXX Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : Fifth Third Bank NA Account # XXXX
Product: Mortgage

I have been given the run around for over 2 years on my loan modification finally I was approved and put on a trial payment and then I was denied that I did n't sign the documents on time. The problem was that they were not sending me the documents and I called various times and asked for the package. The package came in 1 month afterward and I signed the documents and then I was told not to make anymore payment they would not be accepted. The agent told me that I had to fill out another loan modification packaged. That one was denied too. Then finally I got someone who said to file with escalated cases and they would advocate for me and I can get it over turned. Except the person who handled my case was not trying to do anything to help but she said that it was denied to fill out another loan modification too. I have been going back and forth with this issue. I was just told of another denial and that a XXXX XXXX was handling my case with the escalated cases. I have been trying to reach her and have left several messages and have not been able to contact her. I call direct to her line and to the office here at XXXX XXXX and I was told that a XXXX would be calling me but he was on the phone and it would be a long time before I could talk to him. I have called 4 times today and the phone rings and rings to messages or they have caller ID and do not want to take my calls. Usually I do not call so many times but I was told I did n't follow up enough with my paperwork. 
Can you please help me with getting this resolveXXXX?
Product: Vehicle loan or lease

Payments where made on time until manufacturing company had a recall on XXXX vehicles my vehicle was on recall from XXXX. XXXX, XXXX till XX/XX/XXXX I informed leasing company kept them updated and explained and even asked them for assistance they declared they would put a hold on the loan if proven car had fell under recall which it did but they never placed the hold once I got the vehicle back on XX/XX/XXXX the manufacturing company charged me {$500.00} to puck up the vehicle then told me I needed a new alternator which I did have to replace on XX/XX/XXXX I do have all necessary documentation for my claim leasing company repossessed my vehicle asked me to refinance I agreed but instead they kept the vehicle and told me to hire a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Owed : {$17000.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Owed : {$0.00} XXXXF XXXX Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Owed : {$930.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX APARTMENTS XXXX ) XXXX Owed : {$3000.00} XXXX XXXX COLLECTION ( XXXX XXXX XXXX ) XXXX Owed : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Owed : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX Owed : {$4100.00}
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Credit Report Charge-Off, Payment Verification, and Inquiry Removal I am writing to formally dispute inaccurate information in my credit report regarding the charge-off on my XXXX XXXX  and the payment history for my mortgage. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request and receive documentation that substantiates the accuracy of information reported on my credit file. 

XXXX XXXX Charge-Off : Account Number : XXXX Charged-Off Amount : Paid in Full via Bill of Exchange. 
I am disputing this charge-off and request that you provide me with the original documentation that verifies the validity of this account, including payment history. I have attached evidence of payments made towards this account that may not be reflected in your records. 

Mortgage Account : Account Number : XXXX Current Payment Status : Sent Payoff Furthermore, I request that my payment history for this mortgage account be accurately reflected on my credit report. Consistent and timely payments have been made, and it is essential that this information is correctly displayed. 

Removal of Inquiries : I also request the removal of any inquiries related to non-holding accounts from my credit report. These inquiries are impacting my credit score negatively and should not be included. 

In accordance with my rights under the FCRA, I expect a thorough investigation into these matters, as well as an update to my credit report reflecting accurate information and the removal of the specified inquiries. Please provide confirmation of the receipt of this letter and keep me informed about the progress of my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attorney in fact for Estate of XXXX XXXX XXXX XXXX XXXX )
Product: Bank account or service

Capital One 360 closed an ATM dispute not in my favor, and insists on charging me XXXX dollars that I did not actually receive from the ATM. When Capital One responded to my dispute, they failed to provide me with documentation, instead only sending a message saying the owner of the ATM had provided what they allege to be sufficient documentation. 

What is this, use ATM at your own risk, and risk being charged for money you do not receive? 

On XX/XX/XXXX I used an ATM, attempting to pull XXXX dollars ; however, only received XXXX dollars. I immediately that day called Capital One, who issued a provisional credit on XX/XX/XXXX, but then took it back on XX/XX/XXXX. 

I spoke today XX/XX/XXXX with XXXX, supervisor Id XXXX regarding this issue. She refused to reopen the dispute, refused to let me appeal the decision, and refused to let me speak to anyone higher up.