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

I requested a IRA CD fund transfered into a 14 month cd to be distributed for 2024 in my Synchrony Bank account. Instead they put my funds into a 3 year cd. They admit it was their fault and that they have escalated their efforts to make the change whatever that means. I have been calling them weekly for the last 2 months to no avail. 

At the same time my wife XXXX requested them to send funds to an Anuity company and leave money in 3 different IRA CD 'S to be distributed in 3 different years. They sent all the money instead to the annuity company which those funds are now tied up. To with drawl these funds and to now send them back would cost us 9 % penalty. 
I'm sure their shoddy practices are hurting many more families then ours throughout the country.
Product: Payday loan, title loan, or personal loan

Navy Federal Credit Union Member Service Department XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Late Payment Removal - Account Numbers : XXXX, XXXX, XXXX Dear Navy Federal Credit Union , I hope this letter finds you well. I am writing to kindly request the removal of late payments from my accounts, specifically for the accounts with the following numbers : XXXX, XXXX, and XXXX. I understand that the late payments occurred during the challenging period of the COVID-19 pandemic and before the pandemic when I was faced with the unexpected circumstances of being laid off and searching for a career path. I am deeply grateful for the understanding and support that Navy Federal Credit Union has shown during this time. 

Firstly, I want to express my sincere appreciation for the opportunities you have provided me over the years as a valued member of your credit union. I have always been proud to be associated with Navy Federal, and your exceptional customer service has been a significant factor in my financial journey.

During the unprecedented COVID-19 pandemic, I faced financial hardships due to job loss and reduced income. As a result, I experienced difficulties in making timely payments on my accounts. However, I am delighted to inform you that both the loan accounts, with account numbers XXXX and XXXX, have been successfully paid off. The remaining account, XXXX, is also nearing its full settlement, and I expect to have it paid off shortly. 

I wish to emphasize that I have learned valuable lessons during these challenging times, which have greatly contributed to my personal growth and financial maturity. I have become more disciplined and responsible in managing my finances, and I am committed to ensuring that all future payments are made promptly. 

Considering my long-standing relationship with Navy Federal Credit Union , the successful pay-off of the aforementioned accounts, and the extenuating circumstances surrounding the late payments during the pandemic, I kindly request your consideration in removing the late payment records from my credit report. 

Removing these late payment entries from my credit profile would significantly improve my creditworthiness and strengthen my financial standing. With the newfound knowledge and maturity I have gained, I am determined to continue demonstrating a reliable payment history moving forward. 

I truly value the relationship I have with Navy Federal Credit Union, and I believe that this goodwill gesture would not only benefit my financial prospects but also reaffirm the trust and loyalty I hold towards the credit union.

I would be deeply grateful for your understanding and positive response to my request. If possible, I kindly ask that you provide a written confirmation of the late payment removal for my records. 

Thank you for taking the time to consider my request. Please feel free to contact me at XXXX or XXXX if any further information is required. 

Sincerely, XXXX XXXX
Product: Debt collection

Receivable management Corp. 
Disputed this charge years ago and still show no verification proof. From XXXX  until present for amount XXXX.
Product: Credit reporting or other personal consumer reports

So I applied for XXXXXXXX freedom flex, and I received email saying that I was not approved because I have high inquiries and when I check my credit app I see that I have a lot of Chase credit card application and I remember that day the system was glitching that I never received an email saying if I got approved or denied so I was applying for so much days that I got tired and I stopped applying and a few days I got three letters on my mailbox saying that I was not approved for Chase freedom flex because I have so much in hard inquiries
Product: Checking or savings account

On XX/XX/2023 I received an alert from Chase bank regarding suspicious activity. I advised them I did not enact the transaction of two wire transfers. Chase advised they would be monitoring my account more closely and my password was reset by the rep. 
On the morning of XX/XX/XXXX, XXXX wire transfers went through. I contacted Chase immediately and a claim was submitted and my checking account was frozen. 
I was told i would have to go directly to Chase bank in order to open my account so I could have access to it. 
I went to the bank the following morning and was told no one was available to assist me in any matter. 
An appointment was made the Monday of XX/XX/XXXX. 
At this time my checking account was changed from frozen to restricted, meaning no monies could be taken out but any credits and refunds would be accepted. 
A new checking account and savings account were opened. And new cards were issued for the checking account and 2 credit cards I have in the account. 
At this time as well the rep contacted the fraud department and this is when the rep informed me the claim was denied because they could not confirm it was fraud. 
The reason they claimed no fraud was because the transaction occurred in the same geographical area. 
What does that mean? Just because it did not occur internationally, its not considered fraud? 
I also mentioned that the 2 transactions on XX/XX/XXXX had referenced names and XXXX XXXX. Which had been reversed by Chase during the call on XX/XX/XXXX. 
The 7 seven transactions were also to XXXX XXXX and had one of the same names referenced. 
The rep said he would escalate this issue and I would receive an answer by Friday of that week. 
I called Chase on XX/XX/XXXX and was told the claim was declined again. 
These transactions are fraudulent and Chase will not do anything further. 
These transactions overdrew my checking account and since I have overdraft protection the monies were transferred from my savings account to the checking account. 

These transactions are on on record with Chase I have lost {$1900.00} and transfer fees of {$170.00}. Total {$2100.00} Please look in to this matter and I hope to have this resolved with the monies that should been considered as fraudulent. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is codified in the United States Code under XXXXXXXX XXXX  XXXX et seq. This law governs the accuracy, fairness, and privacy of consumer information in credit reporting. XXXX XXXX. XXXX - Requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy in credit reports. Equifax received my letter to add my personal information on XX/XX/XXXX and I know this because they signed for the certified letter. To date they have not added my information to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX RE-AGED 2 ACCOUNTS FROM XXXXXXXX XXXX THAT WERE ALREADY REMOVED BEFORE FROM MY CREDIT REPORT IN XXXX AND XXXX. TRANSUNION IS STILL REPORTING THESE RE-AGED ACCOUNTS FROM XX/XX/XXXX. 

IT IS A VIOLATION OF THE FCRA LAWS TO RE-AGE AN ACCOUNT. I WANT THIS REMOVED IMMEDIATELY. THIS IS NOW MY THIRD DIPUTE WITH YOU. 

THE LAST DISPUTE TRANSUNION STATED THAT IT WAS NOT REPORTING ON MY CREDIT REPORT HOWEVER IT WAS AND STILL IS. I WANT THIS DELETED IMMEDIATELY.
Product: Checking or savings account

I have not been able to get in touch over the phone with my bank to discuss the overdraft payments assessed to my account for XX/XX/2021 {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$68.00} XX/XX/2021 {$68.00} and XX/XX/XXXX {$68.00} totaling {$300.00}. Due to the pandemic I am currently receiving unemployment assistance and trying to manage my money to pay all my creditors monthly and had a few mix-ups along the way.
Product: Mortgage

* Company failed to provide notice of transfer per 1024.33 ( b ) ( 3 ) * Company sent mailing asking for payment of mortgage after loan was transferred to another servicer and marked as closed with credit reporting agencies * Company has caused significant delay in insurance claim process by failing to transfer relevant paperwork to the new loan servicer. 

After our loss ( due to fire ), we filed the requisite paperwork with AmeriFirst to initiate the loss draft process. After over a month of delay with no word, I called to inquire as to the cause of the delay. On XX/XX/XXXX I was contacted by an employee named XXXX XXXX, who verbally informed me that my loan was being sold to a third party. His verbal notice was not within the timeframe described by law, nor did it contain the disclosures required by law. 

On XX/XX/2019 I received a bill from AmeriFirst asking for payment on the loan, due XX/XX/2019. This mailing was sent after the effective date of transfer, and references a billing month after the date of transfer. This notice is confusing, and could have resulted in errant payment being sent to the wrong financial institution.
Product: Debt collection

This is actually a complaint which stems from another complaint I made against IC Systems directly to you. It involves a phone call made to them on XX/XX/XXXX of this year. In that phone call I attempted to have IC Systems forward me an itemization and contract on collections they were attempting to collect on behalf of XXXX XXXX Hospital. I was met with a lot of resistance and was outright lied to and demeaned by their rogue collector. The collector stated I could only obtain a contract and itemization of the charges directly through XXXX because IC systems didn't do that. I was in shock because they are obligated by the F.D.C.P.A. to do so. To prove my point, IC System did eventually give me what I asked for but they didn't do so until XX/XX/XXXX and XXXX which was 41 and 42 days after I requested them by phone and writing as well as week after I submitted my complaint to you. 

I was also told by the collector that " he knew I wasn't trying to pay this bill at all '' which was abusive insinuating that I don't pay my bills as well as demeaning my character. Furthermore, I was told by the collector that if I sent a dispute to his company that it would ultimately do nothing and that I should only send it to make me feel better. This was a clear and willful attempt to get me to give up my rights under the F.D.C.P.A. to dispute a debt and have it validated. It is also clearly a false and misleading representation and an unfair practice. 

When I submitted this complain on XX/XX/XXXX, I was expecting IC Systems to file a response to the complaint as is suggested by this website. Instead, what I receive is a paragraph saying IC system 's response was sent to me directly by mail because they couldn't verify who wrote this complaint! To make matters worse, they never did! It is true that I finally received an itemization and contract that I requested 41 and 42 days prior, but there was no letter of acknowledgment of my C.F.P.B. complaint. No letter from a compliance department, management, or any other department which addresses complaints. No letter or anything addressing my concerns with their collector and his rogue tactics and multiple willful violations of the F.D.C.P.A. NOTHING! I did get an opportunity to give feedback on the response through my previous complaint but I feel that is inadequate and will accomplish nothing in regards to my complaint of what IC Systems has done. I am filing this complaint because I want them to address my concerns about their multiple violations on that initial collections call on XX/XX/XXXX. They don't get to simply sidestep my complaint by saying they will send a response to me directly because they can't " confirm '' who wrote this complaint and never actually do it. I am submitting this complaint because IC systems has continued to this point in breaking the law and obviously treating me like I am unimportant or just somebody they can just ignore. If I get another half-baked response from them saying they will " send me a response directly because they can't confirm who filed this complaint '' and then never do so I will be forced to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with Fair Credit Report Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Experian credit file without my authorization, I did n't get a response nor did they help me.
Product: Debt collection

I have been receiving unwanted calls from ( XXXX ) XXXX. I found that they are debt collection company and I do not have any outstanding debts. I have told them not to contact me and they have continued to do so. I am an attorney and I will not hesitate to escalate the situation if they do not continue trying to collect the debt that I do not owe. Any provided proof of debt would be inherently fraudulent
Product: Mortgage

City property taxes were received in XX/XX/XXXX and sent to my mortgage loan servicer, LoanCare, LLC., on XX/XX/XXXX. Payment due by the end of XX/XX/XXXX was not dispersed from my escrow account to cover my city taxes. Additional follow up emails and phone calls were placed with my loan servicer and I was told that the issue would be resolved. In XX/XX/XXXX, I received a notice from the City of  XXXX that my XX/XX/XXXX payment was not received and that the property taxes incurred approx. {$100.00} penalties and interest and that both installments ( XX/XX/XXXX. and XX/XX/XXXX. ) of my property taxes are due by the end of XX/XX/XXXX. The notice that was received in XX/XX/XXXX has been sent to LoanCare , LLC on XX/XX/XXXX and I was again told that the issue would be taken care of. This morning I noticed that the servicer of the loan has dispersed a portion of the money in escrow back to me in the form of a refund for escrow overages and now there is insufficient funds in escrow to pay property taxes and home insurance by their respective due dates. This loan servicer pulled the same thing on me last year with my county property taxes and I ended up paying an additional {$100.00} out of my own pocket to pay the taxes that were overdue by 4 month. It should not be this difficult to get a loan servicer to do the job they are required to do by federal regulation.
Product: Debt collection

In XX/XX/XXXX, this collection agency proceeded to try to collect funds that were NOT owed and while the litigation of the case was in process. This has been an ongoing legal issue with original creditor since XXXX. The collection agency failed to provide validation the debt all while knowing this account was going through the litigation process. The counsel for the Apartment complex has been willing to work with my attorneys to resolve this matter and they have agreed to settle this issue. I can not share all of the allegations and filings but I can share the response from their clients general counsel that proves this collection agency is in violation. This collection agency had enough proof to remove this collection while my attorney worked with their clients attorney and refused. They have damaged my credit for over a year and legal proceedings will begin.
Product: Mortgage

My loan was in default. I made arrangements with Seterus and applied for an assumption. It was approved, I made payments and then Seterus had my house up for auction and it was sold. I was able to stop the certificate of occupancy in time. Seterus admitted their mistake in court. This was in XX/XX/XXXX. Since then it has been a constant battle to get some sort of payment arrangement made. They keep giving me the run around. Saying this or that was not received. I have proof that all communications were received ( my own fax ) Most recent was a letter dated XXXX XXXX, XXXX saying they were in the process of investigating the issues I had brought up and will contact me. Yesterday ( XXXX/XXXX/XXXX ) I received court papers stating a motion to reset foreclosure sale date! I called Seterus today ( XXXX/XXXX/XXXX ) and was told " It looks like we are still investigating. " No other information. This is but a small example of all their evasive tactics to foreclose on my home ... .Respectfully, XXXX
Product: Bank account or service

XXXX did it again. XXXX checks written days apart held until the perfect moment to hit me. The {$74.00} check in the pictures I 'm enclosing was written 6 days previous. Please make them stop this criminal robbing of their customers I 'm begging you they 've taken hundreds it if not thousands from me and my family. You 'll notice in the second pic I had {$200.00} in my account to cover these checks so how am I {$78.00} in the red when the checks do n't come close to equalling {$200.00}? Please help me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I called SallieMae to set up recurring payments for my student loans for {$840.00}. The representative set up withdrawal from the wrong account, causing an overdraft to occur on XX/XX/2024. On XX/XX/2024, I called to speak to supervisor XXXX to have this issue resolved. XXXX verified, after receiving the call, that the representative selected the incorrect account for the payment to be withdrawn from. I was supposed to have it drawn from checking, and it was instead withdrew from savings. As a result, the payment did not complete. Sallie Mae still sent a letter to the credit bureau that I was delinquent in paying my loans for 3 months due to this issue. On XX/XX/2024, when I was able to make the payment. Sallie Mae XXXX XXXX was supposed to send a letter to the XXXX XXXX XXXX stating that I was NOT delinquent, and that it was a mistake. It is now XX/XX/2024 and the mistake has not been resolved. My credit score has dropped almost XXXX points due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes, called to dispute XXXX XXXX XXXX   XXXX. The account does not belong to me and can not get Equifax or XXXX XXXX XXXX XXXX to provide me any information that it belongs to me. They are withholding information and refusing to delete the collection that does not Belong to me. I have disputes on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt : Debt Validation Dear, XXXX XXXXXXXX XXXX XXXX XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$120.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor. 

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated. 

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX accounts that I have requested to be removed from my file. Both accounts are over XXXX XXXX XXXX and serve no purpose in my report. Equifax, in their brilliance, has decided that since I filed a dispute for removal and the information was deemed valid by the companies, it will now stay on my credit file for up to another XXXX years. 

XXXX 's last activity was XX/XX/XXXX but since I disputed it this month on XX/XX/XXXX it is now scheduled to stay on my report until XX/XX/XXXX. Equifax can't continue to make and apply rules that contradict the FCRA. 

XXXX 's date of last payment XX/XX/XXXX should have come off XXXX to XXXX years ago but again because I had to dispute the information it is now scheduled to stay on my file until XX/XX/XXXX. 

Why does Exquifax feel it can do whatever it deems to a consumer credit file? If the company sends data saying the sky is blue they put it on your report with no validation and no proof but for a consumer to remove or have accurate information they have to jump through loops and provide documents. Yet, they create rules to continue to manipulate data to ensure consumers ' scores are low to benefit their clients banks, lenders to ensure higher interest rates, and poor creditworthy consumers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for reporting inaccurate and inconsistent information regarding the XXXX XXXX account ( partial account number : XXXX ) in my credit report. Experians reporting violates the Fair Credit Reporting Act ( FCRA ), as detailed below : Inaccuracies and Issues Identified XXXX. Date Opened : Experian lists the account opening date as XX/XX/XXXX, which conflicts with the date reported by XXXX ( XX/XX/XXXX ). 

XXXX. Payment History : Experian reports XXXX  late payments : XXXX days late : XXXX  XXXX XXXX days late : XXXX XXXX XXXX days late : XXXX XXXX XXXX days late : XXXX  2023 150 days late : XX/XX/XXXX Charge Offs : XX/XX/XXXX and XX/XX/XXXX These details conflict with the lack of payment history shown by XXXX. 

XXXX. Comments : Experian includes comments such as " Account was in dispute- now resolved '' and references to bankruptcy Chapters 7, 11, or 12, which are absent from TransUnions reporting. 

FCRA Violations XXXX Section 609 : Experian is required to report verifiable and consistent information. The discrepancies and additional comments in its reporting violate this section. 

XXXX. Section 607 ( b ) : Experian must maintain reasonable procedures to ensure the accuracy of information. Its failure to align key data points with other bureaus shows non-compliance. 

XXXX. Section 623 : The information provided by XXXX XXXX is inconsistent, and Experian failed to ensure its accuracy before reporting it.