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 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 the recent CFPB findings against Navy Federal for similar practices, which transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I have an app called XXXX in which I can deduct money from the hours I have already worked and deposit it into my account. However the app has to see that I got paid via direct deposit. The bank lags or takes its sweet time to update and post the direct deposit information. Sometimes it can take as long by as 2 business days. Other banks like chase update their information much much quicker
Product: Money transfer, virtual currency, or money service

I noticed my money not being available I called to ask. After hanging up they sold my remaining stocks without my authorization. As to close my account. I will provide following statements showing a deficit of at least {$300.00}.
Product: Mortgage

UPDATE ON THE HOUSING FORECLOSURE MATTER. XXXX XXXX XXXX  XXXX XXXX. AGAINST. XXXX XXXX. 
LOAN # XXXX THIS TO BRING TO YOUR ATTENTION, THE URGENCY OF OUR SITUATION. XXXX XXXX XXXX  CALLED AND REQUESTED FOR A MODIFICATION. THE BANK GAVE US UP TILL THE XXXX OF XX/XX/2022 TO SUBMIT ALL THE REQUESTED PAPER WORK. MEANWHILE THE SALE IS THE XXXX XX/XX/2022. SO THE BANK NEED TO MOVE THE SALE DATE TO ALLOW TIME TO COMPLETE THE MODIFICATION .WE ARE SOLICITING THE YOUR OFFICE TO COMPEL THE BANK TO EXTEND THE LAW DATE TO XXXX. IN HOPE THAT YOUR OFFICE WILL INTERVENE. THANKS IN ANTICIPATION. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Connecticut XXXX.
Product: Debt collection

Subject Follow-up on Capital One Account and CFPB Case I recently spoke with Account Supervisor XXXX ( XXXXXXXX XXXX XXXX  XXXX ) about ongoing issues with my Capital One account ending in XXXX. While XXXX attempted to direct me to the appropriate department, I experienced multiple transfers, and unfortunately, the representative I spoke with at XXXX was unable to resolve my concerns. 

Capital One Case Number XXXX CFPB Case Number : XXXX I am attaching a document recently sent to me via XXXX and am re-attaching the opt-in document related to my initial complaint. 

Please review these documents and provide an update on my case status. I look forward to a prompt resolution. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I called to inform both card companies and credit bureaus and both were not able to assist me in resolving this issue. 

XXXX XXXX XXXX XX/XX/year> US BANK XX/XX/year> US BANK XX/XX/year>
Product: Mortgage

In XX/XX/2021, I applied for a mortgage with First Hawaiian Bank ( FHB ). After submitting my complete financial and employment history, my mortgage loan officer, XXXX XXXX ( XXXX # XXXX ), recommended that I pay for a rushed home appraisal ( {$700.00} ) and mortgage lock rate ( {$1700.00} ). Per XXXX XXXX 's guidance, I submitted a check for the mortgage lock rate on XX/XX/2021 and paid for the rushed home appraisal on XX/XX/2021 via my credit card. It was my understanding that after submitting both payments my mortgage was finanalized -- XXXX XXXX stated nothing to make me believe otherwise. However, prior to submitting these fees, XXXX XXXX failed to disclose : ( 1 ) she had little to no communication with the FHB mortgage underwriter up to that point, ( 2 ) the loan was not even close to being finalized, and ( 3 ) there is a possibility I will not receive 100 % refund should my mortgage be denied. Thus, it was out of blind faith, and trust in XXXX XXXX 's advise, that I paid both fees. It was not until XX/XX/2021 that I received the preconditional loan approval -- weeks after being advised to submit the fees. Similarly, it was not weeks later that I learned the FHB mortgage underwriter had concerns regarding my financial eligibility and my mortgage approval was in jeopardy. My mortgage was ultimately not approved. The fact of the matter is, if I would have been correctly advised, I would have never submitted either payment. I've raised my concerns with FHB, and attempted to dispute the fees with XXXX XXXX 's supervisors, but they insist they have done nothing wrong and there is nothing they can do to help.
Product: Student loan

Per the Cares Act, I requested Mohela to reinstate $ XXXX in Federal student loans to my account that was voluntarily paid in late 2020. Please assist. Thank you.
Product: Bank account or service

I have set up a pay my bill with XXXX XXXX to pay my mortgage at Valley National. Valley National complains that they are getting the payments late because they are mailed to them by XXXX XXXX. When I asked if they can get the payments wired to receive quicker they say that the option is not possible through Valley National. I 'd like to understand why with the technology available these days why this is not possible. The only reason I see is that Valley can charge late fees by saying they have not received the payment.
Product: Credit reporting or other personal consumer reports

Looking into my credit reports all 3 are reporting different accounts and incorrect scores that is making it hard for me to obtain credit. I see I have had 13 hard inquiries why? I dont know because I know Ive applied for 2 credit cards that were both denied on XXXX. My credit score apparently hasnt been updated between the companies in a very long time. I also have accounts on the Equifax and XXXX that need to be removed.
Product: Debt collection

Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX   INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SIMON 'S AGENCY , INC . 
Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$42.00} Amount {$42.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact SIMON 'S AGENCY , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I have no knowledge of this bill I have health insurance that have paid these bills around that time I have proof of that. it just appeared on my Credit report now it showing that I owe this and its bringing my credit report down on my credit numbers I also get phone calls from this agency disguising numbers at all times of the day
Product: Debt collection

Midland Credit Management sent me a collection notice in XXXX of XXXX. I wrote them a correspondence back explaining to them I do not owe this debt and to not contact me again, in any form. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX by certified mail. They then again sent me a correspondence In XXXX of XXXX, after I asked not to contact me again. I again sent a correspondence explaining I did not owe this debt and to not contact me again regarding this debt. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX via certified mail. Both times the letters were signed for by representatives of Midland Credit Management. On XXXX XXXX, XXXX, I again received a collection notice on the above referenced debt. I have sent a third correspondence again stating I do not owe this debt and to not contact me regarding this debt again. I have done this three times to no avail.
Product: Mortgage

I lost my earnest money in the process because the mortgage loan officer was not forth coming or communicating with me or the real-estate agent regarding the loan. She told me from the beginning it would be an FHA loan and when it was time to close which we didn't of course, it switched to a rent to own lender with the rental amount 3 times the original mortgage payment amount. It is called the TRIO Program. The original interest rate was XXXX and with this program it was XXXX XXXX loan terms 40 years. I feel this was predatory lending practices.
Product: Credit reporting or other personal consumer reports

Account number # XXXX I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with Portfolio Recovery, regarding a debt they are currently reporting on my credit report.

Recently, I sent a debt validation request to XXXX XXXX as I wanted to confirm the legitimacy of the debt they claim I owe. In response, XXXX XXXX provided me with a bill from the original creditor that contradicts their claim. Specifically, XXXX XXXX states that I owe them {$990.00}, while the bill from the original creditor indicates that the outstanding amount is only {$350.00}. 

Furthermore, I noticed some discrepancies regarding the account details. According to the bill from the original creditor, the account was opened in XX/XX/XXXX, whereas XXXX XXXX states that the account was opened in XX/XX/XXXX. Additionally, I requested information on the date of the first delinquency and the date of last activity, but XXXX XXXX was unable to provide this information. 

Given these inconsistencies, I am concerned about the accuracy of the information being reported on my credit report and the validity of the debt XXXX XXXX claims I owe. I have attached the bill from the original creditor for your reference. 

I kindly ask for your assistance in addressing this matter. It is important to me that my credit report reflects accurate and complete information. 

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

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2021, verification of the alleged debt that they keep reporting on my credit files. However, MIDLAND FUNDING failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX  and XXXX  have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Product: Credit reporting

Credit card account for The XXXX XXXX via XXXX is suddenly listed on my credit report, dating from 2003. I do not currently and have never had a credit card from The XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX Acct # XXXX 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, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This Account payment dates are different and not acurrate please remove
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I logged into the Credit Acceptance website as I always do and I paid my final car note which I have proof of. I paid the full balance of what was showing on the site at that time. A few days later I was alerted that there was a late payment reported to my credit. When I called Credit Acceptance to inquire about the late payment they stated that I had a {$18.00} balance that I was unaware of and that was not showing on their website when I paid my bill, however I paid the {$18.00}. 

I was never 30 days late paying my car note and I would like my credit report updated. I have proof that the payment was paid at the time I stated which will not make it 30 days late.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My XXXX  XXXX c

ard and PNC credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. You see, i worked as a XXXX  XXXX  for the XXXX XXXX with a
company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX  another XXXX XXXX XXXX  all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no PNC banks east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money.

Both the PNC credit card and XXXX XXXX did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX because someone already has it under my email. I gave so much to our XXXX XXXX XXXX XXXX
that I would hope Uncle Sam can help me in a time of need.
Product: Credit card or prepaid card

I received a couple mailed notices and emails stating that they required a physical address to not have my account restricted. Today XX/XX/2021 I contact Capital One only to be xferred 5 times and told without them being able to get a copy of my drivers license they would not be able to update my address or phone number. I will not provide them with my drivers license as they already have all of my personal information. I was not able to use my card at the store as it declined due to me not giving them the physical address that they state is a requirement of the federal government.
Product: Debt collection

Kay Jewelers Credit Card has been calling me multiple times per day from multiple phone numbers during a time which I have repeatedly asked them not to call me. I have requested them not to call me before   XXXX   XXXX   and they call me multiple times per day multiple times in an hour before  XXXX . Today I spoke with someone at around     XXXX   XXXX   and made arrangements to make a payment on the account and received another call not even  5  minutes after hanging up. They called 5 times on  XXXX  from  5  different phone numbers  (   XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  .,   XXXX   XXXX  ,   XXXX   XXXX   and   XXXX   XXXX   They called 4 times on  XXXX  from  4  different numbers (  XXXX ,  XXXX ,  XXXX  and  XXXX  ) at the following times :  XXXX  ,    XXXX   XXXX  ,   XXXX   XXXX  ,  XX/XX/XXXX  ). And today they called from  XXXX  different number s (   XXXX ,  XXXX  and  XXXX  ) at the following times :   XXXX   XXXX  ,     XXXX   XXXX  ,   XXXX   XXXX   ). This is just the list from the last 3 days. They have been doing this for over a week and this is harassment. This is the second time I have filed a complaint with consumerfinance.gov regarding this company and the same issue.
Product: Checking or savings account

This compliant is on Netspend deliberate failure to apply advertise interes rate ( refer to Addition 2, 3.02 %, 4.91 %, .49 %, Addition 3, 12.37 %, Addition 4, 5.00 % to .72 %, Addition 5, 5.02 %, 4.91 %, .49 % ) apply applicable amounts on interes, concealment and false advertisement. Netspend advertise even as of XX/XX/XXXX that is Savings Account Interes rate is 4.91 % with and APY 5.00 % on balance under {$1000.00}, and .49 %, APY .50 % on balance exceeding {$1000.00}. That APY would range from 5.00 % to 0.72 % ( refer to Addition 4 ) depending on the balance on Saving Account, In addition Claimant account receved 12.37 % Annually on balance {$1000.00} and above, Refer to Addition 3. Even after applying Netspend fluctuating rate into calculation .502 %, XX/XX/XXXX to .302 % XX/XX/XXXX Netspend amounts applied {$2.00} to {$9.00} is not only not suitable payments it is far below applicable amount base on compound yielding formula. Formula on calculating daily/monthly/quarterly interes is simply divide the daily/monthly/quarterly interes rate by 12 months. The total number of periods is calculated by multiplying the number of APY by 12 months since the interes is compounding monthly. Another Netspend contradiction is yield computation is on 2 % ( {$1500.00} ) purchase Claimant got reimburse {$31.00} ( XXXX ), at another purchase 10 % ( {$27.00} ) Claimant got reimburse {$2.00}, ( BOA ) and on another got reimburse {$15.00} ( XXXX ) on {$1400.00} purchases calculated at .01 % ( {$1300.00} ) and .02 ( {$110.00} ) So on deposit balance {$5100.00} that is 3.26 times more than {$1500.00} and 3.5 time more than {$1400.00} how can {$5100.00} balance in three months attract only {$17.00} ( even at adding recent courtesy offer XX/XX/XXXX {$50.00}, sum {$67.00} ) Addition 1, and {$1500.00} and {$1400.00} within a month attract {$31.00} and {$15.00}. Complainant is asking {>= $1,000,000} from Netspend based on not adequate notice, not due concealment, value to time, not applying applicable formula, fiduciary breach and trend found to not suitable interes payments ranging from {$2.00} to {$9.00}, XX/XX/XXXX to XXXX, XXXX. That even after Netspend XXXX XXXX, affirm 12.37 % annual credits, XXXX processed {$990.00} on the annual credit, XXXX send the notice on 12.37 % annual credit and XXXX affirm calculation on applicable formula tabulation these later NETSPEND employees including XXXX that recently offer courtesy {$50.00} and argued afterwards, XXXX and XXXX XXXX argument to the contrary on what was already agreed and advertise comes out deliberate and complete violation to FCC Truth to Advertisement Clause.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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: Debt collection

they have written the debt off and it has been removed from my report. Yet still run hard inquiries on my credit every month. This needs to stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Date assigned _ XX/XX/ 2023 Original Amount Owed- {$8800.00} I asked for a validation of debt letter with my signature showing I have a contract with the company
Product: Vehicle loan or lease

On   XX/XX/XXXX ,  I purchased a vehicle a   XXXX   XXXX   XXXX    from  XXXX  of Georgia. On   XX/XX/XXXX , I found out the vehicle was no good meaning the motor and catalytic conve rter was gone out. I took the car back o n    XX/XX/XXXX  less than 24 hours later after purchase also being told at the  time I sign the contract that I had 72 hours to return the car if I decide I did not want it. When you bring the vehicle history up on this vehicle connected to VIN   XXXX   may have been recalled. Check full report for more information vin #  XXXX  ... this comes up. I was told by  XXXX  who is now working for   XXXX   XXXX   XXXX   in   XXXX   XXXX  , GA the vehicle was sold and they had already receive a check for the vehicle. I ask who was my finance company and she replied Automobile Acceptance. On   XX/XX/XXXX  , I went to the finance company in  XXXX , GA and told them that I no longer wanted the car and that I have 72 hours to bring it back and I was well within the 3 days and the credit manager replied they had already electronically sent  XXXX  check and conveniently   XXXX   closed down everywhere. The credit manager said it would be a repossession if I return the car so she convince me to keep the car. It became very hard to maintain the car and the payments so I voluntarily gave the car back. The car has been charged off on my credit and now Automobile Acceptance are suing me for almost $ 15k with 12 % interest. I was initially tried to be served in  XXXX  county   XXXX   XXXX  , Ga but when I went to  XXXX , GA Magistrate court and was the served with this civil suit, in which ; I find illegal and unethical. I will upload s upporting documents that will show the vehicle loan was charged off.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section 605 you are required to remove these items listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}