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

Teller created a minor error, however XXXX. " XXXX XXXX '' made issue worse. Attempted to establish a complaint that was trackable to get follow-up. Problem occurred on XX/XX/23, bank Mgr. " XXXX XXXX '' promised to call by XX/XX/23 ... no respose received as of XX/XX/23 from XXXX XXXX. NFCU has no way of documenting complaints and there is no way to track any complaint received. 

XXXX resolution is two fold : 1 ) Ensure bank customers can levy complaints and get feedback from upper management that the complaint was understood.

2 ) Ensure tellers can print and provide customer statements to avoid having to make an appointment or speak with senior members at the branch to fulfill a simple request. 

The XXXX waisted my time arbitrarily and I would like a written apology and call.
Product: Payday loan, title loan, personal loan, or advance loan

TitleMax was charging me, a 100 % XXXX veteran who receives social security a 176 % annual percentage rate on a 30 day loan and repossessed my car without giving me a written letter before the repossession and tried to auction my car off I. 15 days instead of the 25 that was told to me. My car was repossessed twice in this manner the interest payment alone was almost 25 % or my total monthly income as a single parent. I had to re register my car and pay the fees associated with the removal of the lien and registration due to my plates being destroyed.
Product: Credit card or prepaid card

I applied for Chase credit card for Southwest Airlines in XX/XX/XXXX. I didnt hear from them so I contacted them XX/XX/XXXX. After four different emails, I was told I had mistakenly put my financial income at XXXX household and it should have been XXXX. I was told the agent could correct that but she really was unable to as I was listed as dead. I assured her that was not the case. She then directed me to reach out to three different credit agencies, which I did. Not one of these companies said they had me listed as dead. Its now XX/XX/XXXX and I have yet to get a response from a reliable person who can resolve this. My credit score exceeds XXXX and a credit report that steps I have no debts against my credit at this point I do not want the credit card but I do want a correction from Chase.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Acct # 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
Product: Debt collection

I am writing to formally dispute the collection account listed under RMS-Recovery Management ( Account Number : XXXX ) on my credit report. Not only was this account paid in full and closed as of XX/XX/year>, but I also did not originally owe this debt to RMS. Despite its settled status, it remains on my report and continues to negatively affect my credit standing. 

I am requesting that this account be removed to accurately reflect that it has been resolved. The continued presence of this account on my report is unfairly impacting my credit score, and I would appreciate a prompt review and correction. 

Please advise me on the necessary steps to rectify this matter. I appreciate your time and assistance.
Product: Credit reporting or other personal consumer reports

I need your help investigating accounts from companies that continue to report late payments inaccurately. I was XXXX XXXX and requested forgiveness for these payments, which they approved, yet the reports still show them as late. I have reached out multiple times with no response, leaving this as my final effort.
Product: Checking or savings account

Back in XX/XX/XXXX I was admitted to the hospital and was there till XXXX XXXX XXXXXXXX. Upon being in the hospital I lost my phone my wallet including my debit card during this time my card was used unauthorized and numerous transactions were done using my card. I didn't authorize them. Upon hearing this I notified chime about it and filed a dispute with them. Couple hours later they denied my dispute without doing a investigation. In XXXX I filed a rebuttal and provide them a doctor 's note proving i was in the hospital and once again two hours later they denied it again and didn't do a investigation. XX/XX/XXXX I filed another rebuttal this time providing a sworn statement from the person that did the transactions, and the doctors note and a police report and investigation and once again they denied it without doing a investigation. I have provided them more than enough proof to prove that I was not the one that did these transactions and they still refuse to do anything. All I want is a fair investigation and my money back. They don't do anything when I filed three rebuttals. And yet still nothing gets done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are showing two accts of mine being delinquent. Both Accts are paid in full and aren't late, they were never late. This has gone on for far too long. I have reach out to the bureaus numerous of time with letters and phone calls. And I never gave them written consent to report my credit. This is hurting my credit.
Product: Debt collection

This is in regards a debt of {$690.00} place on collections. I have contacted FIRST FEDERAL CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, disputing this debt place on my credit report. I was not aware of this debt until I apply for a student loan and was denied, I have always has great credit standing. I checked my credit report and noticed that this debt has been place on my credit report as delinquent. I have contacted Federal credit about this debt, they send me an original bill of {$690.00} for XXXX XXXX out of XXXX, Ohio for XXXX XXXX for a XXXX XXXX I contacted XXXX about this and was told that XXXX did not cover the expense for the XXXX for the routine procedure. I have also contacted XXXX about this issue and have been disputed, I still have not received any information. My questions to Federal Credit and XXXX continues to be the same, What control does a patient have when a doctor decides not to use the proper procedure for invoicing? The amount of {$690.00} is not a co-pay. Would this have been a out of pocket co-pay it would've been taken care of. As it is right now, my credit score continues to suffer due to a delinquent account I have nothing to do with when in reality the doctors office should have utilized XXXX, my insurance policy to cover all expenses related to the procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss in the total {$750.00}, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX, Transunion and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
Product: Credit card or prepaid card

This is the 3rd month straight that I keep being charge for late fees which I shouldn't, I keep asking them over and over to keep stop charging me for late faeth when I'm making my payments on time in they refused to
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was alerted by XXXX that CHASE CARD obtained a copy of my XXXX Credit Report. This was not unauthorized by me and I have disputed this with Chase before this incident.
Product: Debt collection

CA Account Service was removed from my XXXX credit file in XX/XX/XXXX. When checking my credit report on XX/XX/XXXX I noticed that CA Account Service was added back to my credit file. I have not received any notification from CA Account Service or from XXXX regarding the account, amount owed, date opened, any documentation that I owe an outstanding balance or that this account would be added back to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the following accounts filed be deleted all collection efforts cease and any information about this account files sent to credit agencies bureaus be removed immediately! 

XXXX XXXX ACCOUNT # XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} BACKRUPTCY XXXX XXXX  BANKRUPTCY REFERRENCE # XXXX XXXX AMOUNT : {$0.00} INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE ; XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE:XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX INQUIERIES NOT AUTHORIZED XXXX ; XXXX XXXX DATE : XX/XX/XXXX XXXX  XXXX DATEXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX  DATE ; XX/XX/XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXXXXXX XXXX DATE ; XX/XX/XXXX INQUIRIES NOT AUTHORIZED XXXX : XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX  DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX XXXX XXXX DATE ; XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX
Product: Bank account or service

On XXXX XXXX, XXXX I went to chase bank XXXX XXXX XXXX, XXXX XXXX NY XXXX to open up a business account Banker XXXX XXXX XXXX XXXX helped me to open up the account, 11 days later on XXXX XXXX, XXXX I went to the same branch to open up another business account different corporation name same type of business but XXXX was not there to help me so another banker named XXXX assumed to try to open up the account for me but she said she can not find the right code to open up the account so she said she will have relationship manager XXXX XXXX contact me on Monday, XXXX contacted me on Friday XXXX XXXX, XXXX and told me that my business is a high risk and its considered money laundering business and I will need a money laundering officer, and when I told him that I opened up an account 2 weeks prior he told me that XXXX used the wrong code and that account has to be closed as well, and when I told him that I had the same type of business around three years ago and it was running for two years he said that the bank privacy changed recently I asked my wife who was a banker for a few years if there 's such a thing she said there 's no such a thing and how can he assume and accuse me for running a money laundering business if the first account has only {$25.00} in it and not a single transaction has been made and the second account was not open, so the next day on Saturday XXXX XXXX, XXXX we went to the branch to get more details but XXXX was n't there so we spoke to XXXX who assured us that he did n't use the wrong code and the privacy of the bank has n't changed since the patriot act XXXX and he never heard of a money laundering XXXX before, so at that point I felt that I was discriminated against, mislead and accused of doing illegal business, so on Tuesday XXXX XXXX, XXXX I contacted the corporate office located on XXXX XXXX XXXX XXXX NY XXXX to file a complain for discrimination, racial profiling, misleading and accusation of doing illegal business against XXXX XXXX and I was told I will be contacted within XXXX hours from that day, On Friday XXXX XXXX, XXXX I got a call from the Executive office informing me that they will conduct an investigation and I will be contacted once they come up with a decision, On Friday XXXX XXXX, XXXX XXXX contacted me from the executive office XXXX Ext XXXX and he told me that they came up with a decision and they did n't find any discrimination against me and I will need a money laundering program for my business.
Product: Credit card or prepaid card

On XX/XX/2019 our Cabela 's / Capitol One credit card number was used to make a charge at XXXX # XXXX in XXXX, Idaho. The amount of {$500.00} was charged. Capiton One called us because they thought it to be fraudulent activity. On the phone we went through the charges and were asked which were correct and which were not. We identified, at that time, only the one charge for {$500.00} that was fraudulent. The credit card company removed the charge until XXXX XXXX 2019 when they sent us a letter informing us that they discovered no fraudulent activity and were thus re-instituting the charge against our account. I explained to them again that my wife and I were not even in XXXX. We were in XXXX Washington. I further explained that we have only one card for that account and it was with us in Washington. They said, no matter, we think it is not fraudulent. I requested they hold the charge in abeyance until the problem was properly resolved and they refused. They have not explained any of the things they did to verify their claim. 

I have made a police report and have requested copies on the signature and an image of the person making the transaction. The police will help procure both.
Product: Prepaid card

{$2600.00} - can't use Amex gift card online - every single attempt is rejected
Product: Mortgage

On XX/XX/2019, I closed on my home and began a mortgage contract with XXXX XXXX XXXX for {$270000.00}. Sometime late XXXX, I received a letter from XXXX XXXX XXXX that they were changing the name on the mortgage from XXXX XXXX XXXX to Ameris Bank, as the two banks are undergoing a merger. On this letter, which I unfortunately no longer have, it stated that my methods of payment would not change due to this name change/merger. 

Ameris Bank sent me a letter in early XXXX informing me how to begin paying them for my mortgage. I received a statement from them on XX/XX/XXXX requesting a payment of {$1500.00} due by XX/XX/XXXX. This was odd to me, as I had paid XXXX XXXX XXXX for the statement they sent me for the same amount, also due XX/XX/XXXX. To avoid any late payment or collection attempts, I sent Ameris Bank a payment anyways, since I was under the impression that these were effectively the same mortgage, and it would be applied to my balance anyways. 

However, this is not the case. Both companies have different payment histories from me, different principal balances, and different escrow balances. Through some further research, I found that there are now two mortgages on my credit report from each company, XXXX/AMERIS BAN ( Ameris Bank ), and XXXX XXXX ( XXXX XXXX XXXX ) for the same original loan amount and same date opened. Apparently both companies think I owe them money. 

I contacted XXXX XXXX XXXX about the mortgage on XX/XX/2019, and their customer service representative told me something to the effect of " Mergers are tricky, this will sort itself out. '' I asked them who I was supposed to be paying for the mortgage, and they said continue paying XXXX XXXX XXXX the same way which was agreed at closing. 

I contacted Ameris Bank on XX/XX/2019 about the same issue, and their customer service said the account is open with them and to continue paying them money. I immediately contacted XXXX XXXX XXXX and spoke with the customer service again, and demanded they resolve this issue. I told them I need something in writing saying that they are who I am supposed to pay, and not Ameris Bank. However, I don't think this matters since there are two mortgages open on my credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Today, I discovered that my credit report contains inaccurate accounts, and I have no clue why. I routinely check my credit report, but this time, there were unexpected inconsistencies. Hoping it was just a display issue, I refreshed my browser, yet the incorrect accounts remained. Due to this problem, I kindly ask for a thorough review of the documents I submitted so that I no longer have to worry about it.
Product: Checking or savings account

I am willing to file a complaint against Navy Federal credit union regarding multiple overdrafts 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 the recent CFPB findings against XXXX XXXX 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: Vehicle loan or lease

Dear Officer. 
I filed a complaint as follows. 
1. At my BMW leasing final lease term, the XXXX verified with the BMW Financial, and I paid off {$27000.00} on XX/XX/XXXX ( Exhibit 1 ). 
2. Based on my final lease term on the lease agreement was {$27000.00}. I paid over {$230.00} more than I had to pay ( Exhibit 2 ).

3. BMW Financial sent a payment notice to ask for more money as {$370.00} on XX/XX/XXXX ( Exhibit 3 ).

4. I have contacted the BMW director XXXX XXXX via several phone calls and mail ( Exhibit 4 ) on XX/XX/XXXX and so on. They refused to explain the details and insisted if not paid with request, it would be reported to the credit agency. 
5, The BMW

Financial reported the invoice to the credit bureau, it hurt my credit score from 800+ dropped to 690 ( Exhibit 5 and 6 ).

6. The BMW Financial also sent this invoice to the collection company. The collection department mailed a notice and received it on XX/XX/XXXX. ( Exhibit 7 ).

The BMW Financial owed the consumer an explanation but threatened to file on the credit report.

Thank you for your help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act, the XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

This account status is labeled as opened. Which is also false. No agreement to distribute funds to this creditor occurred.
Product: Credit card or prepaid card

I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX, XXXX and XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 60 days late XX/XX/XXXX to XX/XX/2019,
Product: Credit reporting or other personal consumer reports

I XXXX from XXXX school XX/XX/XXXX. XXXX started billing me one month later before the pause on student loans was even lifted. I filed for IDR but they still reported my account as 90 days past due on experian. I disputed it but they have not taken it off my credit report. It is my understand that student loans have a grace period after graduation before repayment begins. It is also my understanding that the law passed by the federal government was supposed to protect borrowers from having their accounts reported until XXXX of XXXX. I would like the 90 days past due to be removed from my credit report. According to emails I received in XXXX of XXXX the loans still should have been on pause but I was receiving bills as early as XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are not reporting XXXX student loan accounts despite account information being furnished to them by the servicer on XX/XX/31. XXXX has already reported them.