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

Hi, XX/XX/22 I received a check for {$10000.00} Check # XXXX XX/XX/22 I deposited the check into The Navy Federal ATM New location in XXXX MD. 
Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXlater that day I saw my accounts were all frozen. Called and could not speak to Security because they were closed until Monday. 

XX/XX/22 Called Navy federal Security Dept they told me I was permenantely banned and that I submitted a fraud check. Said I couldn't do nothing about it or talk to anyone else. 
I told them to verify with the bank and they can call the person who wrote it. They did not verify or want to. I felt attacked and penalized for no reason even if there was a typo I could of easily got a wire or it reissued. I was treated like a criminal over my money. 
XX/XX/22 Navy federal cashed the check and took the $ XXXX from the XXXX XXXX  account and revoked all access from mobile banking. 

XX/XX/22 I called back to tell the Security Dept that they cashed my check and to inform them again that it wasn't fraud especially since they now have my money. 
I sent in an appeal letter to the bank but they wont ' get back until 15 days. 

I am trying to make sure they return the check asap. On the phone they told me it was fraud and that it was being retuned to sender, never said they were going to cash it and keep the money. 

XX/XX/22 I feel like I've been robbed. They called me accused me and lied to me, took my check and revoked my access to my money. 
I never had a bank do this to me even if the check had an issue it could have been a simple hold on the check until further verification. I feel profiled and like this entire process was bias. They closed my checking and savings for my personal and business accounts without even a simple phone call. I guess they couldn't trust me even with a legit business on file. 

I am truly heartbroken and disappointed in Navy Federal. I was transitioning my money over from XXXX to Navy Federal and they just cancelled my accounts with no hesitation. 

I am waiting on this money to be returned asap to I can get a new wire for my $ XXXX. So now I have no bank account and no way to get my money. 

Please help I have a feeling Navy Federal is going to drag this out way longer than 15 days and will play these games of " nobody has a clue '' what happened to the check. 

Please see my attached proof and appeal I sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is reporting these 3 accounts on my report which i have no clue about ... .. and they are reporting them as a collection account and also 120 days late ... ... they are hitting my account with a double negative ... all 3 are definitely violations... .i have challenged the reporting of these multiple times with all 3 bureaus and XXXX  XXXX as well and all 4 send letters back saying that it is reporting accurately ... ..they are obviously not conducting proper investigations as these are not report 100 % accurately as required by the law that governs them .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand you have assumed a vital role in in assembling information on me as federally protected consumer, your are impeding the bank system by not making sure my consumer report is fair and accurate, you are directly impairing the efficiency of the banking system, with your unfair credit reporting methods undermines the public confidence which is essential to the continued functioning of the banking system. You are an An elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You as the consumer reporting agency are require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I was looking over my credit report and notieced some items resulting in identity theft. 

Pleas see attachment
Product: Money transfer, virtual currency, or money service

During an emergency concerning my child. Cash app made an Unauthorized deduction of funds from my Cash App balance for loan repayment, unauthorized change to auto-pay settings, and refusal to provide agent ID for dispute tracking. I've read their agreement for borrowing several times and there is no clause or fine print that states they can change my auto pay from manual to auto without my knowledge this would be the reason why the agent said " at the time your account was set to auto pay '' On XX/XX/year>, I received a {$50.00} payment from XXXX XXXX ( Transaction ID : # XXXX ) via Cash App. This money was sent specifically to cover urgent medication costs for my child, who is experiencing a medical emergency. However, upon receiving the funds, Cash App automatically applied the money to a Borrow loan repayment, despite my account not being set to auto-pay at the time. Despite me being loyal to the program in paying back in full for previous loans When I contacted Cash App Support, the agent told me that my account was set to auto-pay, which was incorrect because I had previously set my Borrow repayments to manual pay. When I checked my account settings, I saw that my auto-pay had been switched on without my authorization. 

Additionally, when I asked the customer support agent for their agent ID number, they refused to provide it. Also refused to let me speak to supervisor. Along with the agent Refused to give me the name of the lender since cash app is claiming it's a different company. This lack of transparency prevents consumers from tracking disputes and holding Cash App accountable for unauthorized transactions. This refusal further suggests that Cash App is engaging in deceptive business practices and intentionally making it difficult for consumers to dispute unauthorized transactions. 

THIS MATTERS LET ME TELL YOU WHY .... 

1. Cash App changed my auto-pay settings without my permission This is an unauthorized modification of my account settings and is not disclosed in their terms of service.

2. They withdrew money from my balance without consent This is an unauthorized transaction that left me unable to purchase critical medication for my child. 


3. They refused to provide the agent ID number This is a lack of transparency that makes it impossible to track disputes.

4. They are ignoring my complaint and refusing to refund my money This is unfair and deceptive business behavior.

What I Am Requesting : Immediate refund of my {$50.00} Investigation into Cash Apps practice of changing auto-pay settings without user consent Regulatory enforcement to ensure Cash App provides agent IDs when requested
Product: Checking or savings account

We deposited a check on XX/XX/2022 for {$12000.00} into our family limited liability company account at Sun Trust branch in XXXX XXXX XXXX, FL. On XX/XX/2022, Sun Trust advised us that the issuer of the check was likely not to pay although they are a well established jewelry company in XXXX and placed a hold on our account for 10 days. 

Thereafter, a personal creditor filed a personal judgment against our corporate account and Sun Trust placed a hold on Company account. 

Our lawyer has spent hours trying to reach the Legal Department of Sun Trust to explain that the hold is illegal and improper. The branch manager refused to give us any way to contact the Legal Department of Sun Trust.

This is simply outrageous way for a bank to conduct its affairs. 

Sun Trust should be sanctioned and made to divulge to consumers such as myself the availability of the Legal Department.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XXXXXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

We got behind in our mortgage last year when I lost my job. I was told we did not qualify for a loan modification payment plan because our debt to income ratio did not qualify. We got back on our feet and paid the current payment but still had a past due balance. Again asked Wells Fargo if we would qualify for loan modification and was denied because we are no longer in hardship. But we had better debt to income ratio. We also have a VA loan and they did not tell us about any government programs that may have helped us. I was told because we have a VA loan it is a guaranteed loan and they can not work with us like they can with other loans. We are starting bankrupsy now to save our home. Our lawyer told us about a government program that may negotiate with Wells Fargo. No help from our bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected MY RIGHTS.
Product: Credit reporting or other personal consumer reports

My student loans were with XXXX, but were transfered to mohella because I applied for public service loan forgiveness. Loans were forgiven in XX/XX/year>. I have statement from both mohella & XXXX showing balance is {$0.00} and a letter saying my loans were forgiven, but my credit report is still showing a balance of over {$40000.00}. I have disputed several times. Called XXXX they said mohella had to cancel so I called mohella and they said they had done so, but credit report still shows balance 8 months later. Just disputed again still didn't fix issue. Balance needs to be updated to {$0.00} by XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a critical matter regarding fraudulent items on my credit report. It has come to my notice that unauthorized entries have been reported, severely impacting my financial credibility. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I promptly initiated the dispute process as outlined by Credit Bureaus, providing all requisite documentation, including police reports and affidavits, to substantiate my claim of identity theft and fraudulent activity. 

Considering the significant ramifications for my financial stability, it is imperative that you expedite the investigation and removal of these fraudulent items from my credit report. Swift action is paramount to mitigate any further damage to my creditworthiness and restore the integrity of my credit history.

I hereby request the following actions to be taken without delay : Immediate removal of all fraudulent items from my credit report.

Written confirmation of the removal, along with updated credit reports reflecting the correction.

Assurance of ongoing monitoring and protection against potential future instances of fraud or identity theft. 
Given the urgency of this matter, I urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit 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
Product: Vehicle loan or lease

In XX/XX/2013 a car was illegally purchased As a result of identity theft by my sister XXXX who used my information to get quite a few things prior to her going to prison. The account number according to my 3 credit reports shows XXXX but I will provide my social security number. My reports are frozen so there is no harm putting them. It is XXXX.The original loan amount was {$36000.00}. I mailed American Honda copies of signed police reports. Statements from officers showing I did not even live in colorado where this car was purchased, as well as a affidavit from my sister admiting to the investigators she did get this vehicle and other items. I will no longer wait any longer for this item to be removed.My attorney instructed me to file this report, and he will file suit in local court to make them remove it and seek fcra damages for reports this on my credit reports if it is not off immediately.
Product: Credit card

I had a credit card account with State Farm. In XXXX of XXXX I paid off the amount that was due in full. I then phoned them to close my account and to confirm that I did not owe any more money. At no time did they advise me to get a pay off amount or to check back with them about possible further charges. I requested and received a letter saying that my account was closed. I heard no more from them, received no letters, emails or calls until today ( XX/XX/XXXX, 3 months after closing the account ), when I was phoned saying that I owed residual interest for 3 months! I kept asking to talk to someone higher up. Finally I got to speak to an individual named XXXX, who said that they would review the situation. When I said that I thought it was outrageous that at the time of closing my account and paying the balance in full, I was not advised that there might be further charges and I was not contacted for 3 months in any way while those charges accrued, XXXX proceeded to interrupt me and not let me speak. When I asked her to not to be so rude and let me finish my thought, she hung up on me. Not only do I believe I 've been scammed, but they were also rude to me about it! In a nutshell, should n't credit card companies inform you that you may accrue extra interest charges when you close your account and pay in full and secondly that they should contact you, at least monthly, to inform you that you owe them money, and not wait 3 months while interest accrues.
Product: Mortgage

I have a mortgage with my mother who was deemed incompetent in XXXX. The mortgage is in both our names, I was not made aware of the foreclosure until XXXX, my mother 's guardians kept this information from me. Wells Fargo did not attempt to contact me at my residence which is the address of the mortgage. When I did find out about the foreclosure, I went to the next court date. Wells Fargo 's attorney 's XXXX, XXXX and XXXX rarely showed up for court proceedings. I hired an attorney and was assured that Wells Fargo would allow me to make my payments. They declined payments, they will not speak to me about the loan. Also, I filed for loss mitigation and never received a response. This is an FHA loan and is a Ginnie Mae loan. The XXXX website shows that the loan is no longer active. XXXX, XXXX and XXXX purchases mortgages and tries to collect the debt. This debt collector tried to get information from me acting as if they were helping me with the process. The guardians of my mother did not show up to court on her behalf, they sold her other properties and did not pay off this mortgage. The guardians are my cousins who I had appointed as her guardians. They had documents signed off on by her husband, the county judge executive at that time and by the coguardians sister in law who is the county clerk. The judge would not look at material facts because he is a dear friend of the guardians. The County Clerk is their cousin. The attorney who I paid {$3800.00} dropped out of the case due to running for judge and I had to find a new attorney, then the pandemic began, the courts were closed, I couldn't meet with attorney 's and the next court date the judge would not allow more time to acquire a new attorney and said he would get back with me on a decision. I received a document from the court on XX/XX/XXXX stating that the foreclosure auction would be on XX/XX/XXXX. The notice of sale was listed on XX/XX/XXXX. This is not sufficient time according to advertising if foreclosure sales. Wells Fargo 's attorney 's did not have the escrow account deducted from what was owed. The XXXX   documents were robosigned by an employee of Wells Fargo to transfer to Wells Fargo in XX/XX/XXXX, but they actually started servicing the loan in XXXX. Their are so many discrepancies and statute violations in this case. I need help and no one will help me save my home. Wells Fargo also stopped all foreclosure sales during the pandemic, but my sale is still on. Please help me!
Product: Debt collection

My husband and I have a joint account with JPMorgan Chase Bank. We received separate letters both dated XX/XX/XXXX stating that a hold/freeze of {$3300.00} has been placed on our checking account. The letter addressed to me stated that Chase received a garnishment notice on XX/XX/XXXX and that it was attached to the letter. The garnishment notice was not attached, we never received it and never knew it existed. My husband 's letter stated that this hold/freeze was to comply with proceedings against my maiden name. We married in XXXX so that was an indication that this was a time-barred debt. We hand-delivered a letter to our local Chase branch, informing them that we did not owe this debt and that this was likely a debt scavenger attempting to zombie debt. We informed Chase that they are in violation of State and Federal laws : Sec 1692g in Title 15 of the U.S. Code, Texas Constitution, Article 16, Sec 28 and Sec 16.004 of the Texas Civil Practice and Remedies Code. We requested a copy of the judgement and they informed us that they could not provide us with it. They instructed us to call the debt scavenger, they provider us with the following information on a yellow sticker note : XXXX XXXX. We called that number and it was an answering service. Prior to going to our local Chase back we called Chase Levy department and agent provided us with Case No XXXX. With this case number we accessed XXXX XXXX XXXX and found a Register of Actions showing that the action was filed against us on XXXX. The XXXX XXXX XXXX advised us that the original creditor was XXXX XXXX. We call XXXX and they advised us that they showed two debts : {$1600.00} on originated on XX/XX/XXXX and {$630.00}, originated on XX/XX/XXXX. The debt in question is for {$1600.00}. The statue of limitation on this debt was XX/XX/XXXX, the judgement was filed AFTER the statue of limitation on XX/XX/XXXX. The address and name on record with XXXX XXXX has changed. However, we never received any communication. I recently retired from XXXX  XXXX XXXX XXXX XXXX, where I worked for fifteen years. I was required to show financial responsibility with XXXX and this debt never showed on any mandatory financial investigations that I received. When I retired I received a FERS deposit of $ XXXX, a portion of the funds that are on hold/freeze are FERS funds which are protected. We informed Chase that they failed to comply with the look back period by holding FERS funds. We recently withdrew all our funds from Chase but was unable to get our funds they are illegally holding. I have no negative items on my credit report, this items was charged off in XXXX, I have no way of disputing it with the debt scavenger. The debt scavenger has never contacted us. We want resolution by having our funds released and any other restitution afforded under law. We pray that your agency will be able to assist us in this matter. Thank you in advance.
Product: Vehicle loan or lease

Upon reviewing my credit report, I noticed several discrepancies from all three credit bureaus in correlation with my Flagship Credit Acceptance installment account. 

Flagship Credit reports to XXXX and XXXX that my account status is open with an opening date of XX/XX/XXXX, a last reported date of XX/XX/XXXX, and a balance of {$25000.00}. 

However, Flagship Credit reports to XXXX that my account status is Closed with a close date of XX/XX/XXXX, a last reported date of XX/XX/XXXX, and a balance of {$0.00}. 

I have been making consistent payments with Flagship Credit since the installment opened, with the most recent payment being XX/XX/XXXX. I find the information unsettling as Flagship Credit is obligated to report complete, accurate, and up-to-date information per the FCRA. 

I am unsure why Flagship Credit would report to XXXX alone that my account is no longer open. I did not authorize the closing of an account, nor did I receive any information regarding my account being closed. All account numbers from credit bureaus are the same, so the reported data is inconsistent. 

I attempted to pull my payment history receipts from my Flagship account, but there were no downloads of the documents on the website. The only information is the past payment date, payment status, and amount towards the bottom of my account, but nothing tangible. After over a year of making on-time payments, The payment history on my credit reports stops reporting on XX/XX/XXXX. However, I have been making monthly payments, so why is Flagship Credit not reporting correctly? 

The numerous discrepancies described above are not only incomplete, inaccurate, and not current but overall neglectful. I can dispute incomplete or inaccurate information using my Fair Credit Reporting Act rights. The lack of correct information reported to the credit bureaus affects my credit score, which is unfair to me as a consumer. 

Ive called their customer service, but every time I get an answer, the person I need to speak to is always unavailable, or there is some other frivolous excuse for why I cant get the assistance I need and that I should try calling again.
Product: Debt collection

On XX/XX/XXXX I opened a non-descript letter that happened to be a debt collector for XXXX XXXX. The service fees had already been paid. I attempted to reach the debt colletor A.R.M. solutions. The debt colletor will not answer the phone. The line was automatically dropped after about 10 minutes of holding. 
This debt collector company is not operating in good faith if they can send a letter but not provide legitimate numbers to contact them for follow-up.