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 and credits. This issue aligns with recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Tried to do the debt repair for XXXX XXXX XXXX  but keep getting kick back on the information I sent in the mail several times.
Product: Student loan

From  XXXX  until  XXXX , I was advised by   XXXX   XXXX   that if I was struggling to make py monthly payment, the only option available to me was a deferment. I had even questioned numerous times about making smaller payments and was told that the company can not do that and that it would be pointless to make them on my own because it could cause issues with the deferments. In early  XXXX , i was advised I could no longer defer and had to make full payments. I was unable too. In  XXXX  of  XXXX    XXXX   XXXX   advised me that my loan was going to default and be sent to collections. After speaking with numerous people one representative send me a financial affidavit to send back requesting assistance. I sent in that package a total of three times over two months. Every time I called to verify receipt, I would either be on hold for extended times or transferred to the same person who called himself  XXXX , who would advise me that it was never received. In  XXXX  of  XXXX ,  XXXX  told me again my information was never received and that my loan was officially in default and there was nothing that could be done. A total of {$27000.00} was charged off. I immediately called the collection agency who was handling the loan and made a payment arrangement to bring the loan out of default. They also advised me of the income based repayment program that was available for me to apply. While the loan was in default, a collections charge of {$8400.00} was added to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry : XXXX XXXX and XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX NA : XX/XX/XXXX Inquiry : TXXXX ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/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.

Convergent Account # 1234, 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 in
structions
Product: Credit card

American Expresss XXXX XXXX told me theyll be opening an investigation on why they keep denying me because of someone else. They have someone with a similar name and even though I asked the representative how is that possible ( since we have social security numbers ) thats when I was told they dont know. I stated to American Express how this is securities fraud because I know theyre able to override their decision and approve my application. I know I gave them something of value so wheres my consideration?
Product: Credit card or prepaid card

On XX/XX/2022 I attempted to make a purchase through XXXX for {$80.00} using a Milestone credit card issued in my name. After the driver for XXXX delivered to the wrong address, he insisted I was somehow trying to fraud XXXX and reported me as a scam. XXXX immediately canceled my account and sent an email stating they had not charged my credit card. Milestone  from Genesis XXXX, XXXX Oregon, however charged the {$80.00} to the account as a purchase on XX/XX/2022. I called customer service and asked for a refund to my account and the operator said that there was nothing to refund as the transaction had not occurred. I informed her that my online account statement showed the purchase and of course my limit showed the same. She assured me that everything was fine and not to worry, it would take up to 72 hours to show up on my account. I checked my account again on XX/XX/XXXX and it showed not only the charge had not been reversed but they decided to institute the annual service fee to assure that the account would be overdrawn. A second call on XX/XX/XXXX was met with a similar response and to not worry about the overage fees or even the original {$80.00}. Today is XX/XX/XXXX and I still am seeing the same account balance. I contacted XXXX and they claim to not have received the {$80.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX EQUIFAX AND XXXX will not fix my credit report. 
They constantly keep adding negative accounts without proper investigation after my complaints. Ive asked them to remove the following accounts under consumer laws. Theyre violating my credit report and causing me grief in my personal life!
Product: Debt collection

A credit card bill over 15 years old. Charged off on my credit report. Still being harassed to pay.
Product: Consumer Loan

My credit application to Citizens One for XXXX XXXX XXXX was just denied. My credit rating is XXXX! The credit card I offered has a XXXX Credit Limit and my current balance is less than XXXX. 
I am stunned and was frankly embarrassed by this action. 
Then, try to get an answer from the company! They deny access on the website and phone Unless you have an existing loan. 
Yes, I can go to a retail store and get the phone, but without the advantages of the XXXX XXXX plan, which is the reason I went to the XXXX in XXXX XXXX, California! 
XXXX should be looking into theses issues which from what I understand is not unusual. Others with excellent credit are denied access to the new IPhone benefit program for no cause. We are talking about financing less than XXXX!
Product: Debt collection

I disputed a debt to Levitz Furniture it was resolved and paid on XX/XX/2014. I received a correspondence indicating the debt was paid in full and no further obligation. Now 5 years later I am getting constant harassing calls so are my family, friends and even co workers attempting to collect the debt. When called back they have 2 names XXXX XXXX XXXX XXXX and claim they have a Complaint to serve or they say they are XXXX XXXX XXXX XXXX and are filing a Complaint.
Product: Debt collection

this is one of three times this happened. I am paying them and they say they don't get it but I send it certified so I know they are getting my payments. I want it to stop or close this debt as paid in full for all the harassment to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX.
Product: Debt collection

A guy by the name of XXXX XXXX at XXXX keeps calling my cell and just now called my place of employment. I don't know what company he is with but said it is about a XXXX payday loan and they are going to garnish my wages. I know he can't do that without a court order and he is now harrassing me.
Product: Money transfer, virtual currency, or money service

Misclassification of Transactions : Ignored clear evidence and documentation, repeatedly citing prior valid transactions as the basis for denial
Product: Mortgage

I purchased my home on XXXX 2007. My purchase price was {$650000.00}. As it is widely known, prices were still inflated at this time Since then the property values in my city dropped XXXX %. The home values have recovered but it is unknown how much longer it will take for my home to reach the original purchase price. I have been able to decrease my balance and my current loan to value. 
Considering the current market value of my home of {$610000.00}, my current LTV is XXXX %. I contacted my lender to remove the mortgage insurance premium of {$350.00}, but they are denying my request even though I am well below the requirement of 78 % loan to value because my home is below the original purchase price of {$650000.00}. This is not fair for me or any consumer in my situation. 
If I have to wait for my home to reach the original purchase price it could take another 5-7 years. It is unfair that the mortgage insurance company and lender will not remove my mortgage insurance premium even though I have met the loan to value guidelines and lending guidelines. This puts me, as a consumer, at a huge disadvantage because they give me no option except to refinance to remove the mortgage insurance. However, refinancing will cost me anywhere from $ XXXX- {$7000.00} with closing costs. Once again this gives the advantage to the lender because I have to spend thousands of dollars to remove the PMI. 
Also, if I can not cancel the mortgage insurance, the mortgage insurance company will collect {$25000.00} in premiums over the next 72 months, which is approximately the time it will take for my home to reach the value of {$650000.00}, that is only if there are no other market corrections. I am asking the CFPB to help me get the PMI removed from my mortgage payment. 
The handcuffs that the lender has put on me and my family is an unjust situation. My family and I are being forced to spend thousands of dollars when we have worked very hard to lower the balance to remove the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit report and noticed an Inquiry dated XX/XX/XXXX from a company, Microbilt, which I never applied to for credit. The unsolicited inquiry impacts my credit report negatively and remains until XX/XX/XXXX. I work hard to protect my credit and do not appreciate unsolicited inquiries on my report. Thank you for your prompt follow up on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  SERVICES XXXX BANK XXXX XXXX XXXX BANK XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX SERVICE XXXX XXXX  - XXXX  SERVICE XXXX XXXX LOAN XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I was in default with student loans. We fell on hard times and until recently I couldn't pay. On XX/XX/XXXX I was able to pay my balance in full which was agreed to by PHEAA/AESthrough XXXX XXXX. We settled on everything minus the fees from XXXX. PHEAA/AES is still reporting to the credit bureau that the loans are still in charge off/collections and default. They told me that they will continue to report to the credit bureau that it is in charge off/collections for another 4 years because I made a 1 time payment and didn't do their loan rehabilitation payment program. We are trying to pay off debt in hopes of eventually buying a house. The fact that I am being punished for paying my debt in one payment is absolutely ridiculous and wrong. I want these marked as paid/current and then removed from my credit reports. I have disputed with the credit bureau and PHEAA/AES keeps claiming its resolved - customer disagrees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hired on initially at XXXX XXXX before my screening was ordered. I really like the job, my assessment I completed recommended me for the job. I had a problem with getting my ID in time and also was kicked out in XX/XX/XXXX. You can not have any Felonies for the last 7 years and work there. Well XX/XX/XXXX was my 7 years, as of XX/XX/XXXX I and felony free and can now qualify to work there. Now I have my ID and went back there and presented my ID. Now they have a problem with the way Case 2 of XX/XX/XXXX is worded, Attempt of a class 4 felony, because it has the word felony in it. They are unsure and requested I submit this letter to have the word felony removed from it, as it is only a misdemeanor. Can you please remove that word and only put that is a misdemeanor. It makes it look like I have a felony and It is hindering me from getting a job that is really like. I think its unfair because I qualify to work there, but because of that word felony is on it. They are unsure. Thank you
Product: Checking or savings account

XX/XX/2022, I tried to deposit {$900.00} in Wells Fargo ATM, XXXX XXXX, MD. But ATM screen showed {$800.00} instead of {$900.00}. While I was trying to figure out to take out {$900.00} back, I happened to touch the button for withdrawing {$1000.00} without my knowledge. When I got the money back, it was XXXX instead of XXXX. I went back in the branch to talk about the {$100.00} ATM machine took and never gave back. 

The banker named XXXX ( or XXXX ; XXXX hereinafter ) didn't seem to believe what I said. Then, the couple behind me mentioned that a gentleman outside was looking for me because the cash from ATM was hanging out then got back in the machine. I ran out and found the man standing in front of ATM, and thankfully he entered in the branch and testified that he witnessed the money hanging out of ATM. Until then, I thought the hanging money it was {$100.00}. 

But, XXXX kept on asking few times about {$1000.00} withdrawal that I didn't know about. I only touched the button, which I learned later on that the button was for withdrawing {$1000.00} and the money the gentleman saw was {$1000.00} that got back in the machine. 

Now, I got {$1000.00} back mostly thanks to the gentleman 's in-person testimony. However, Wells Fargo said their investigation concluded that {$100.00} was not wrongly taken by the money. 

I counted the money of {$900.00} at XXXX XXXXXXXX XXXX where I stopped by before going to Wells Fargo. Plus, XXXX commented that the ATM I used ( at that time ) has " problem '' and is waiting to be replaced. I asked her to shut down ATM and/or put up a sign so that the customer would not go through the same problem I went through. But she said the headquarter didn't approve of shutting it down or putting up the sign. 

I personally put the sign on the same day after I got a paper and pen from XXXX XXXX XXXX  I went to after Wells Fargo. ( I have a picture for that ) I got Wells Fargo 's investigation result and called back the number to dispute. But the customer representative on my case said there is no other way to dispute the amount, and this is the final conclusion. I asked a lawyer about Wells Fargo 's negligence in managing malfunctioned ATM machine that led to taking my {$100.00} wrongfully. But I was told it will take a lot of money to file a lawsuit against them. So, I have given up until today when I saw a post at XXXX about ATM malfunction and got it resolved through CFPB. 

{$100.00} is not big money to some people, but it is big money for me. Plus, the bank has no right to take my {$100.00} without any reason and simply concluded their investigation.
Product: Vehicle loan or lease

I understand that the company should not be calling more than a certain number of times per week & they call approximately 6-7 times per day, including Sundays. They even frequently call the same day or even starting the day after Ive made a significant payment. I am typically only 30 days past due when this happens. They call from different numbers that appear on my caller i.d . - They also call & only let the phone ring about 2 times before hanging up & calling back. They also call & sometimes when I pick up the phone ; they just stay silent after my greeting which results in my hanging up. This is my car loan with Westlake Financial - XXXX
Product: Mortgage

My wife and I obtained a mortgage on a property at XXXX XXXX, XXXX Texas in XXXX and the mortgage was sold to Mr. Cooper in XXXX. The problem started this year in XXXX when we made a principal reduction which left a balance on the loan of approximately {$48000.00}. This would have put the loan to value on the property at 15 %, of which I assumed PMI would have been cancelled, however, I recently learned while trying to close out this loan it was not cancelled. I was told I had to call the PMI department to have them cancel it because unless a client requested it they will keep charging the PMI regardless of the LTV. 
We later paid an additional principal amount in XXXX which we thought would have paid off the loan. We then called to get a payoff amount and we received the payoff quote of {$820.00} which we paid on XXXX. However, I received a current statement from Mr. Cooper in the amount of {$2400.00} dated XX/XX/XXXX. I started the process of reconciling this issue with Mr. Cooper, I talked to 5 people on recorded lines at Mr. Cooper at different levels of the organization. Each time I was told different things from yes I see where this mortgage should have been closed out in XXXX to my last call last night where I was told I did owe the money and the only thing I can do is pay the now owed {$800.00} principal and interest out of my escrow account to close out this mortgage. I agreed to this because I now have a collection agency hired by Mr. Cooper calling me and texting me about my past due payment. I have also been charged late fees and they are still charging me the monthly PMI premium of approximately {$130.00}. I have requested a full review of the account from the agents I have spoken with and they have told me they will get the accounting review team involved but nothing as happened. I don't believe we owe the additional amount of {$800.00} which I agreed to have taken out of my escrow account in order to just move on in this situation. It is unbelievable to me that they have hired a collection agency to call and text me about my payment that is past due that I don't believe I owe. This whole situation has not been handled well, I have been told different scenarios, escalate to people and nothing is resolved.
Product: Credit card

I have consistently ensured timely payments on this account, avoiding any overdue payments. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX XXXX has instructed Equifax a consumer reporting agency to remove inquires and several accounts since XX/XX/2020. Equifax has taken it upon themselves to furnish my information without my permission and without my written consent. This constitutes fraud and is against my federal consumer rights 15 USC 1681b ( 2 ) ( A ) Permissible purposes. Equifax has furnished credit history in which should also be excluded and factual information is against my rights as well. Several letters have not worked and now I've sent affidavits of truth to fix the issue. Equifax continues to violate me and I want it to be fixed and I want compensation for this abuse of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son is XXXX XXXX Military, requested XXXX and XXXX XXXX, and XXXX XXXXXXXX refused to assist. Telling me that my son needs to apply. He is in XXXX and XXXX XXXX and doesnt have the opportunity to do so. I am a Authorized User in order to help with his accounts. XXXX XXXX XXXX XXXX Ss XXXX dob XXXX
Product: Debt collection

I requested by email some credible information before I could proceed with this debt collector. I asked them to provide me a credible document from the original creditor staying how much they paid the creditor for my account after they threatened to sue me. They responded back indicating they would be forwarding my inquiry to another part of their company and to this date, I have not received the requested information. They have a 1.2 rating, law suits and multiple complaints online. They have refused to verify what they paid for this and put the inflated amount on my credit report. They try to use tactics to collect the balance on this card after the credit card company just kept adding late fees even after I closed the account. The card was authorized for XXXX and they are asking for double that amount when they can not show credible proof that they paid this amount to the original creditor.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 
This item from XXXX XXXX XXXX ( revolving account ) is inaccurate [ and incomplete ] because, XXXX XXXX stated the account condition is Charged Off but on my credit report it still shows a balance past due {$5900.00} amount, like the account is still actually open. If the account has been charged off ( is what the letter they sent me stated ) shouldnt my credit report show a {$.00} balance? I am requesting that this item be reflected in the charge off letter XXXX XXXX XXXX stated. 
Enclosed is documentation supporting my request : Letter sent from XXXX XXXX XXXX is attached to this letter. 
Please investigate this matter and delete [ or correct ] the disputed item [ XXXX ] as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried time after time with Experian with public records with XXXX county recorders office of a state tax lien which the balance is wrong and not no {$5600.00} in which it 's not even half of that. 

I have sent the amount from the state of California for months the bill from them and Experian will not update information right.