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

I applied for a Pledge loan at Navy Federal Bank this loan is basicaly a secured loan I was approved and I agreed to a XXXX XXXXsand dollar secured XXXX loan with a two year time frame to pay it back.I was informed by the bank that ounce I made my final payment that my money would be returned to my acount I made my final payment on XX/XX/XXXX and never recieved my money back into my savings account. When I called the bank telephone help line and asked when would the money be put back into my account I was told that it would show in my account within 24 to 48 hours. the money never showed on my online banking so I went to the bank three times, first time XX/XX/XXXX, and the XXXX. the bankers could not provide me with a papper trail proving that they deposited my money back into my savings account. I was told they had to reach out to the consumer loan department they would email me I never recieved a email and so I went back to the bank, I asked to speak to the bank manager and she told me that she did not have no more information for me showing that my funds was deposited back to my savings account. They just kept giving me print outs of my bank statemen, which i already had. I have gone over my bank statments highlited the times and dates of my payments twords my XXXX loan and there is no were in my bank statements showing I received my money being deposited back into my account. I was told every time I made a payment the amount of the payment was released back into my savings account but theres no proof on my bank stament showing that i received the money in instalments and definitley not showing in my total account balance. I am requesting that my XXXX XXXXXXXX XXXX  that was wrongfully withheld from my account after I paid off the XXXX loan be returned to me in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22, I am very upset with this matter. I sent letters, and police reports via mail regarding fraudulent inaccurate account on my credit report. I also faxed in letters and police reports to Equifax. I feel like Equifax is taking advantage of me by ignoring my disputes and not removing inaccurate account from credit report even after I've provided proof multiple times. Section 611 ( a ) states that failure to investigate these items within 30days gives a reason to immediately remove promptly but month after month Equifax has yet to do so. Due to that law I researched, I demand this account be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at this point. Please help me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report i noticed that there were two accounts listed that do not belong to me. Here are the accounts listed below. 

XXXX XXXX XXXX Acct # XXXX, Bal {$42000.00}, Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Acct # XXXX, Bal {$24000.00}, Opened XX/XX/XXXX
Product: Mortgage

Countrywide sold my loan. They changed it to a fixed loan since I told them I was promised at closing plus I could n't afford ARM. XXXX Bank of America but they kept me on ARM. XXXX shows that after XX/XX/XXXX sale to BOA they were to reach out to customers to issues checks and be required to offer a loan modification. I was never notified. I had to file for bankruptcy and once it was closed last month, they sold my loan. This SHOULD HAVE BEEN MODIFIED per agreement with attorney generals complaints. XXXX XXXX XXXX MN XXXX
Product: Checking or savings account

In XXXX of this year I deposited {$15000.00} with Citi Bank from a promotional offer they sent me that was maintain a balance of {$15000.00} or more and receive a bonus of {$400.00} after 90 days. I kept my balance at XXXX the entire time. What they did was say I wasnt eligible to receive the bonus because my checking account had been closed. They closed the checking account themselves, not me. They closed it they said because I hadnt maintained a balance in there even though they said either checking or savings account in the promotional offer. I called and they just told me to go XXXX myself basically. Avoid Citi ( XXXX ) bank whenever possible. Misleading and purposely deceptive business practices.
Product: Bank account or service

Taking an offer with Bloomingdales to receive a discount on a singe purchase if I took a credit card and paid it off within a certain time. did so, but they credited the wrong account and started charging me interest and fining me for late payment. On discovery, they apologized, refunded all the fines and promised to not let it affect my credit history. On being turned down for a mortgage last week, I pressed for possible reasons and this came up along with an internal error by XXXX, my bank, which also apologized and refunded fees charged, but has still adverse affected my credit scoring. XXXX Bloomingdales error and XXXX XXXX error
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delay posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with finding by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX EQUIFAX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX/ XXXX account # XXXX ...., XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ... XXXX account # 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, ID XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. 

I intend to sue this company if this collection company if this is not deleted from my XXXX and XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.
Product: Debt collection

I currently have a mortgage with Newrez. Prior to that it was XXXX XXXX XXXX. I recently noticed there was an additional {$20.00} charge on my paper statement. I initially assumed it was escrow adjustment, but when I called, I was informed it was a non sufficient fund ( NSF ) charge. I looked back through my statements. Sure enough my payment went through on XXXX, XXXX. They then attempted to draft my account on XXXX XXXXXXXX XXXX, in which I had insufficient funds, because they had just taken my payment the day before. I received multiple excuses, such as XXXX had the account XX/XX/year> and then Newrez took over the account XX/XX/year>. I'd like to point out my bank statement and the NSF letter I got from my bank showed Caliber home loans. I attempted to reach out to XXXX, but low and behold, the number connects me to Newrez. Or that sometimes it takes multiple attempts to go through. All excuses, no proof. I sent a statement, along with my banking documents to Newrez via USPS. Along with filing a complaint with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original lender was XXXX XXXX up until XX/XX/XXXX bsi is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them
Product: Mortgage

The mortgage company LoanCare has not reported correctly to the credit bureau. They reported that I missed a payment and every month after shows a missing payment. What actually happened was the my credit score went up {$70.00} and I Was n't notified to make the change in my bank account since payment is deducted automatically. I owe the XXXX to bring my account up to balance, but the principle and interest payment has never been late.
Product: Debt collection

Check city called from a restricted number, dod not leave a message, and immediately called a family member asking for my contact information. I have already been in contact with them weekly, they have my number and address and have spoken to me recently. Why be deceptive, calling from a blocked number, then to call a family member when they have my correct and current info?
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. 

Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Debt collection

Received a Letter from XXXX that my balance was Settled in Full, which is false and misleading in violation of 15 U.S.C. 1692e ( 10 ).
Product: Debt collection

Trident Asset Management Original Creditor XXXX XXXX. XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX and I am disputing this debt because this debt is originally from XXXX established in XXXX, FL. In the state of Florida the statue of limitations has expired long ago, and this company keeps opening a new first reported date as in the letter I have enclosed this date states XX/XX/XXXX. The last time this creditor contacted me was XX/XX/XXXX which the time had expired then. I have wrote all three creditors continuously from XXXX, and the creditor still disputes even though you will see from my report XXXX  states that this does fall meets requirement of the Fair Credit Reporting Act this is a violation. Trident disputes the original date of XXXX because they know this is a violation. They continue to keep this on my report and that is why I am contacting you, they are trying to keep this on my credit now until XXXX and at that time they will just renew.
Product: Credit card

For upwards of the tenth time in the last two years, I have made a monthly payment on my Bank of America credit card after the bill issued, and they failed to credit it for that bill, instead imposing a late fee, reporting me late, and requiring a double payment. This has been complained of to CFPB multiple times before, and yet it keeps happening. Here again I sit after having spent a half hour earlier this week during the work week trying to get it straightened out, then when that representative said he had it straightened out and credited back the erroneous late charge, on the immediate next bill it said I was late and required double payment. Very simply, bill issued XXXX XXXX, due XXXX XXXX, I paid it XXXX XXXX, and yet they do not credit the payment. This has happened seriously upwards of eight times, perhaps more., I have complained repeatedly to CFPB, spent HOURS on the phone with B of A, been told varying stories by B of A, but they just keep getting it wrong. This is now a chronic consumer finance problem with them bordering on intentional.
Product: Vehicle loan or lease

I believe I leased the XXXX from Chrysler Financial about XXXX however. they came and towed it away before the lease ended, and I may have been only late on my last payment. 
When I called Chrysler Financial about the lease they kept giving me the run around about where the vehicle was or if I could get it back or renew my lease. I know I shouldn't have gotten frustrated with them. but all they said was that I owed them money. 

I never heard from them again, no letter or anything to explain the situation. They keep Garnishing my wages after all this time, since XXXX, and the amounts get higher ans higher. Know that I know it's Chrysler. the amount is now {$5600.00} from 2004 I'll never be able to keep up paying it, I've worked all my life & now being XXXX is a shame. It's been XXXX XXXX XXXX, by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX sent a copy of the filing, under Case # XXXX
Product: Credit card or prepaid card

Between XX/XX/XXXX and XXXX, 2019, my credit card was used to make several purchases at XXXX and XXXX stores at various locations around XXXX. I called Chase Fraud Operations to report these charges as fraudulent, and they credited my account while they investigated the charges. I then received a letter, dated XX/XX/XXXX ( attached ), stating that they had completed their investigation and that I was found responsible for the transactions and would be re-billed for them. 

On XX/XX/XXXX, I spoke with XXXX XXXX ( sp? ), my fraud representative, and she stated that the transactions were made using a chip card that matched the card I had confirmed was in my possession. I reviewed the transactions again and confirmed that I did not make them, as they were at store locations I do not shop at and were made during the week when I was at work. 

On XX/XX/XXXX, I called to report this, and the representative, XXXX, stated that they would file a dispute on my behalf for the re-billed transactions. I requested that they provide me with the specific addresses of the stores. They stated that they could not provide me with this information, but that if I filed a police report, law enforcement could contact them to request it. I did file a police report that same day ( XX/XX/XXXX ), and I submitted a copy of the report to Chase as documentation ( also attached to this complaint ). I also requested time stamps and a list of purchased items for each transaction ( as further evidence that I did not make the transactions ), and they stated that they did not have this information. 

I received another letter, dated XX/XX/XXXX ( attached ), stating that Chase had investigated the charges again and confirmed their previous finding that they were valid, and that I would be re-billed for the charges. 

A list of the transactions in question ( along with locations I was able to find by searching store numbers ) is below. 

XX/XX/2019 : {$110.00} at XXXX  XXXX XX/XX/2019 : {$110.00} at XXXX XXXXXXXX XX/XX/2019 : {$59.00} at XXXX XXXXXXXX XX/XX/2019 : {$120.00} at XXXX XXXXXXXX XX/XX/2019 : {$68.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/2019 : {$57.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/2019 : {$74.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/2019 : {$65.00} at XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and disputed these things on my credit report and I have let them know this information is incorrect. I have written letters and spoken with multiple representatives to get this information corrected. The following accounts are listedXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" EQUIFAX CREDIT REPORTING BUREAU LOST MY SOCIAL SECURITY NUMBER TO HACKERS /SCAMMERS WHO HAVE SEVERELY DAMAGED MY CREDIT SCORE UNBEKNOWNST TO ME. 
I ALSO AM A VICTIM OF FALSE XXXX  AND XXXX  # XXXX  DUE TO SOMEONE STEALING MY IDENTITY. 
I HAVE MAIL, CALLS, EMAIL FOR A VEHICLE ( S ) THAT WAS PURCHASED IN MY MAME # XXXX XXXX, ALTHOUGH I CATCH THE BUS OR WALK.
Product: Credit card

I opened a credit card with Tdbank and when waiting for the card to arrive it never did. I contacted Tdbank and they reissued a card. In XXXX of XXXX  while at the hospital in New York I received a fruad alert transaction in Florida. I immediately checked my credit card to find that there was a few transactions in Florida that were not made by me. I contacted td to let them know that fraud had occurred. Went through all the prompts with their customer service rep. Who advised me that someone from the fraud department will get in contact with me to ask me for proof or anything I can provide to state my case. No one contacted me and right away they said the transactions were not fraudulent due to it being made with my card even though td had sent out 2 cards that were exactly the same and I only received one. 
I filed a second complaint notifying them that they had sent out 2 cards, they also put in charges that I did do this time around and I told them that the card numbers never changed on the account as I checked the account to asked if it was changed after I notified them that I had never received the card. I went down to the bank to send them copies of the hospital information since no one contacted me for more info and the fact that I had used the card that same weekend at the hospital in New York while its being used in Florida at the same weekend. I have not received anything since. I have called back their hotline saying I need it escalated with no more updates or mail or anything sent back. 

When asked to send me info on the second no fraud only received 4 copies of the first fraud case I put in not the second or the escalation
Product: Mortgage

First Citizens Bank of XXXX, undervalued my request for a mortgage by $ 100,000+. To do that, they appraised the land ( purchased for {$120000.00} ) at {$9800.00} ( tax appraisal uninproved is {$70000.00} ). To do that they found land XXXX miles away selling for $ XXXX/acre and ignored land pricing anywhere closer much less inside the resort community. They chose XXXX comparable, XXXX was a mobile home and the XXXX had been abandoned unfinished in 2006. Our planned " custom built '' log home is in a gated community atop XXXX XXXX ( XXXX ), the mobile home they compared it to has a State Highway running thru the backyard and was simply dropped off a flatbed onto a slab at that location. 
But that 's how they do business. They claim the " negligence '' is all the fault of the appraiser and his negligence is my problem, not their 's ( that 's not true in all States ).
Product: Debt collection

On XX/XX/2023, I sent the following letter to Affirm Inc. regarding a reporting on my credit report. This company claim I have two accounts with them. For account XXXX, they claim I own {$290.00}. For account XXXX the claim, I owe {$2200.00}. In the letter sent on XX/XX/2023, I ask them to verify this debt was mine. 

As of XX/XX/2023, I have not received any validation of the debts that Affirm , Inc is claiming to be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call MICROBILTFinance ResellerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
Product: Mortgage

In preparation of foreclosure, Bank of America stopped paying the XXXX portion of the hazard insurance. As a previously MHA HAMP modified home loan mortgage account guidelines require the establishment and continuation of an escrow account for the purposes of ensuring the payment of property taxes, hazard insurance and natural disaster ( acts of God ) insurance as appropriate. Appropriateness is indicated when natural disaster property insurance is offered by the state. In this instance, the state of California offers earthquake insurance for interested homeowners. Bank of America incorrectly and improperly effectively cancelled the XXXX property insurance, without the borrower consent, when it refused to continue to pay the XXXX portion of the hazard insurance for the property as Bank of America had been doing before simply stopping when deciding to move forward with foreclosure.