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

My brother passed away. I am the Executor of his estate. When notified of his death USAA froze his accounts and locked out all access to his data. 
They have the paperwork on file establishing me as the Executor, along with his death certificate. 
They are denying me access to, or printouts of, his checking, savings, and credit card accounts which I need to : - make Medical Insurance claims. 
- make a XXXX claim. 
- do his taxes. 
- audit amounts and activity. 
USAA 's freeze also stopped all pre-authorized autopays and deposits, although there were ample funds in the accounts, sending his rent and bills into overdue status the next pay due date, which in turn caused extra charges. 

USAA transfered what they claim was in his accounts to mine, per my written instructions, but I have no way of verifying that the amounts they transferred are in actual fact the amounts that were in his accounts.
Product: Credit card or prepaid card

On XX/XX/2018 I went to the assigned U.S. Bank Branch, Surprise, AZ XXXX to withdraw the usual {$740.00} from my XXXX XXXX XXXX Account ( early Direct Deposit monies ). 

XXXX XXXX only allows {$750.00} cash deducted daily so that is why I deducted {$740.00} as money has always been paid in {$20.00} bills. I have done this for four years, however, on this day the bank started using {$50.00} bills -- I only received {$540.00}. 

Immediately I ran into the bank with my {$540.00} to complain. Even opened up my XXXX Online XXXX Account which did show a {$740.00} deduction. The Bank 's manager, XXXX XXXX said there was nothing they could do, that I would have to contact my own bank. I did call XXXX XXXX from the U.S. Bank lobby and filed a " dispute. '' I was told the money could be replaced within 10 days and then up to 45 days to investigate. Ten days later XXXX XXXX sent me an email and informed me it would take until XX/XX/XXXX to investigate -- I did not the {$200.00} as promised. 

So today, XX/XX/2018, XXXX XXXX sent me an email that they investigated and that the account stands -- I am out {$200.00} with no recourse! I did call U.S. Bank and asked XXXX XXXX, the manager to call me back. She did not.

Bottom line, I am a Senior Citizen trying to live on my monthly Social Security check. Believe me I can not afford a {$200.00} loss. I have used both these banks for four years now and have never filed a complaint before as I always received the {$740.00} cash amount for rent and monthly expenses. XXXX did say there could be a " glitch '' somewhere. Guess so. Would be easy for cash handlers to take four {$50.00} bills for a total of {$200.00}! 

So what can I do? I did contact our local TV stations and their Consumer Affairs departments. This can not be allowed to happen. I am hurting financially from this loss.
Product: Mortgage

I received a 'Notice of Rights to Cancel PMI ' from my mortgage company. I emailed them on XX/XX/XXXX to dispute that they told me I was not eligible when I called. Their reasoning on the phone was that my loan was not old enough and would need to pay to get an appraisal, however my broker said since I have invoices of work completed on my house to backup the increase of value when I had an appraisal done at refinance in XXXX that I should qualify to have it removed without needing appraisal. At the time of my call my mortgage balance was XXXX % of the scheduled value- and the letter states that once it reaches XXXX % if should automatically terminate. I emailed Freedom Mortgage copies of the contract for improvements completed in XX/XX/XXXX, a copy of the refinance appraisal from XX/XX/XXXX, and a copy of PMI rules sent to me by my broker showing that since I made improvements I should not need a new appraisal to be eligible to have PMI removed. I received a letter dated XX/XX/XXXX that I would receive a response within XXXX business days but still have not received any response.
Product: Mortgage

I have submitted a complaint about Wells Fargo to your company during this process due to there misconduct. I want to Thank You, your company is amazing and the problem I submitted was remedied thanks to CFPB. 
On XX/XX/XXXX I opened a short sale contract in order to avoid foreclosure. My agent is very experienced and successful in short sales and dealing with different lending companies.We have had nothing but trouble with this company now going on the 6th month of trying to work with them. The one point of contact who we unfortunately have to work with supposedly ordered the appraisal XX/XX/XXXX. My agent was to be the point of contact in order to let appraiser into the home which typically can take 7-10 business days. We didn't hear from anyone until XX/XX/XXXX The appraisal was done on XX/XX/XXXX the appraiser told my agent that he was the only appraiser for Wells Fargo in a 400 mile radius and that he had 22 assignments to do that day. This concerned my agent due to her past occupation being Real Estate Appraiser and knowing the time and detailed work an appraisal takes. The appraisal on the property came back very high for the condition the home is in. My agent then appealed the appraisal and supplied pictures and estimates of work to be done to support the lessor value on XX/XX/XXXX. XX/XX/XXXX the point of contact called me to let me know that our appeal to value was denied. They gave no reason for this conclusion. In the 6 months of trying to work with Wells Fargo Loss Mitigation I have been Denied a short sale until my agent appealed that under the PFS procedure under the HUD guidelines. Then we appealed the market value and have been denied. Wells Fargo and the employees in the loss mitigation department do not follow the Required HUD guidelines nor do they try to help homeowners under the Homeowners Bill of Rights.
Product: Credit card or prepaid card

There were upwards of $ 900+ on my XXXX XXXX card. I reported fraudulent charges to my card and they say they would remove them. They were removed and I had a positive balance on my card. I was not sent a new card. I then received a new bill with the charges placed back on it with additional fees. I contacted them and they said they would look into it. Meanwhile I paid to ensure that my credit would not suffer. They claimed to of not received any of these and added more and more fees. I have the copies of the bill pay info from my XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz Financial Services has promised me that they would Not Report late ( or charge late fees ) to the Credit Bureau during the Covid 19 pandemic. I lost both my jobs as well as my husband did. I called all of XXXX, filled out the info on their Covid 19 page on their website. Spoke to XXXX more then once and continue to speak to her even now. I am at lease end XX/XX/2020, can not go to a dealership anywhere in the XXXX, NJ or NY area to return the car. I owe {$6100.00}, trying to make payment arrangements and am told that I have to wait for lease end statement, which I did not receive.I don't have the money to pay in one shot but am willing to make arrangements which am told by XXXX that I will be able to do this. On XX/XX/2020 MBFS reported me late for {$720.00} and then again on XX/XX/2020 for {$6100.00}, on XX/XX/2020 again for {$7100.00}. How can they charge me LATE FOR XXXX WHEN IT IS XX/XX/XXXX??? MY payment is due XX/XX/XXXX??? They are charging me late fees as well. My credit score fell by over 100 points in just 2 weeks!!! I am desperately trying to remedy the situation to no avail. I believe this is unfair credit reporting, especially when they advertising that they care are not doing this to their customers, they most definitely are, and reporting late BEFORE its actually late??? HELP PLEASE. I have read many complaints of MBFS complaints about this very thing. I just can't take it anymore. I get calls every day, 3 times a day and I answer every one, XXXX, XXXX, XXXX, borderline harassed but I speak to XXXX all the time almost every day and she know that this is true. XXXX I'm sure it is recorded.
Product: Payday loan, title loan, or personal loan

I was told that I was approved for an loan with LendingClub. I submitted my documents multiple times to them they said needed my bank statements ; I informed the reps that my account just got hacked so I had to open another account.I called over 70 times was told something different everytime which was very confusing. 
I went to my bank waited for over an hour to get bank reference letter which did not have any bearing on the approval.Lending Club had my income documents for an whole week if they were not going to approve why keep leading me on as if I was. When called in final time I told them was contacting the CFPB they sent me a denial letter 30 minutes later. I was speaking to an manager says going to call me back to followup because their was something wrong with the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 90 Days Late Past due amount {$360.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$0.00} Unauthorized inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

My vehicle is with XXXX XXXX XXXX  my payments have not been reported to any credit bureaus since XX/XX/2020 2020
Product: Debt collection

I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 
On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 
All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 
On turning the age of XXXX, it became my secondary policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.
Product: Debt collection

I've asked Portfolio Recovery Associates , LLC numerous times to provide purchase and monthly statements. As of today, I have not received any statements, yet I receive continuous phone calls and receive letters stating that I owe {$2600.00} for an account with XXXX who is the merchant and the seller, XXXX XXXX. This account was opened in the Spring of XXXX and there has been no activity on the account since XXXX. I initially disputed charges that were placed on this account with XXXX. After several conversations with XXXX regarding charges, I never received copies of the charges and all communications ceased. Years later I began to receive constant daily phone calls from Portfolio Recovery letting me know that this was now on my credit report and would impact my credit if I didnt send them money. I requested again, monthly statements and informed Portfolio Recovery that I had requested such from XXXX, but never heard back. I requested Portfolio Recovery to provide the same documents to show that I owed what they were claiming. I have spoken to them so many times, I've lost count. This debt is over XXXX XXXX XXXX, but I still receive phone calls constantly and receive statements that provide the account number, the merchant name, the seller 's name and the balance and asking me to pay the balance or chose a savings plan. After years of requesting actual statements, and not receiving and disputing the balance, I am frustrated, and tired of the constant phone calls and letter. The letter also states on the backside " NOTICE we are required under state law ( what state? ) to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws. '' CALIFORNIA : License Number pending. '' There are no rights listed at all. It is as though I have no rights and they don't have to provide any information that I've requested since XXXX. I tried in good faith to solve this issue but Portfolio has never sent any of the documents that I have requested to show that I made certain purchases that I disputed with XXXX and with Portfolio Recovery. I refused to make any payments until such time I was provided the documents. Since this time, I've received nothing but constant harassment.
Product: Mortgage

My husband and I refinanced our home with Chase Mortgage in XX/XX/XXXX. We were told after we signed the first refinancing that the paperwork was inaccurate and we would need to resign a second set. We are now selling our home and have been told by the underwriter and have copies of XXXX security deeds on our home issued by Chase Bank. Each was issued for the XXXX refinancing sets of paperwork. I have gone to a Chase Branch on two separate occasions XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and on both occasions have worked with bank customer service reps and those they have reached within Chase Mortgage and their legal department to fax these documents with a formal request that the first security deed dated XXXX/XXXX/XXXX be released. Chase Bank agrees that this should have been voided at the time of the XXXX issuance of the security deed of XXXX/XXXX/XXXX. On both XXXX and XXXX I was assured by as Chase employee that a release letter would be sent to me and faxed to my closing attorney forthwith. This has not occurred. I am returning to a Chase Branch tomorrow. My expectations are not high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
Product: Mortgage

My wife and I had a mortgage on a property which we are selling and is currently under a XXXX XXXX XXXX  which was signed on XX/XX/XXXX XXXX XX/XX/XXXX XXXX sent to NewRez, holder of the mortgage a check in the amount of {$120000.00} via Registered mail to cover the total amount outstanding as per their " pay Off '' statement sent by NewRez date XXXX XXXXWe received from NewRez a letter dated XXXX XXXX saying that they had applied to the payoff of the loan the payment sent, and that " As of that date your payment has been paid in full ''. They also included a statement of our payment history. 
Since then I have been on constant communication with NewRez in writing and verbally by telephone requesting that they send me the documents cancelling the mortgage and the cancelled original mortgage documents. To date I have NOT received the documentation requested but only various letters all of which state ; " We are working to gather the requested information and will forward it to you as soon as possible '' The first such letter was dated XXXX XXXX and the latest dated XX/XX/2021. 
The XXXX XXXX XXXX has had to be extended twice beyond its original expiration date due to the missing Mortgage Cancellation Documents, and NewRez has NOT given any reason for their delay in providing what we have requested and which we need to go to a closing on the sale of our property.
Product: Checking or savings account

Around XXXX of XXXX, I encountered a troubling issue when my Navy Federal Credit Union debit card was declined while I was attempting to make a small purchase at a convenience store. Despite having sufficient funds in my account, I was compelled to use my credit card instead. 

Upon reviewing my account, I discovered multiple unauthorized XXXX XXXX charges totaling approximately {$7900.00} USD. I immediately contacted Navy Federal Credit Union to report these unauthorized transactions and provided all requested evidence, along with a detailed explanation of the situation. Unfortunately, I was unable to determine how these charges occurred. 

As a customer with a heightened concern for bank security, I was reassured during my initial account opening that Navy Federal would never allow transactions exceeding {$500.00} USD to be processed without proper authorization and authentication. Consequently, the multiple unauthorized XXXX XXXX charges exceeding that threshold were particularly alarming and contradicted the assurances I was given. 

After waiting several months for a resolution, I reached out again, only to be told that they could not take further action regarding my claim. My subsequent inquiry received a discouraging response, leaving me feeling hopeless and frustrated.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 those account 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.

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 XXXX 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

XXXX XXXX is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to XXXX in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and XXXX  took advantage of me and my finances. Please delete this account right away!
Product: Student loan

My student loans were consolidated on XXXX of XXXX so that I could get on an Income Based Repayment plan so that I could have my loans forgiven under Public Service Loan Forgiveness. I  began making payments to Navient from XX/XX/XXXX through XXXX of XXXX. My credit report does not show that I made payments to Navient from XX/XX/XXXX to XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 total payments have been made. That is also {$9200.00} that is not credited to my bill plus interest I may have accrued. I have my bank statements showing that I made all of  these payments. 

Also, when I call XXXX XXXX ( my current servicer ) they are saying that I was on the wrong payment plan during this same time period XXXX XXXX XX/XX/XXXX. So if I do get credited for these payments they are not in the right plan in order to receive Public Service Loan Forgiveness. XXXX XXXX is the company that serviced my loan in XX/XX/XXXX and put me on an IBR plan. When they sent my consolidated loan to Navient they should have had Navient put me on an IBR plan. It did finally get changed to an IBR plan at the end of XXXX. 

XXXX needs to show a credit to my account of {$9200.00} plus interest. 
XXXX currently only shows that I have 11 payments towards my 120 payments needed when I have made 102 payments.

I have never missed one single payment. Please help me. Thank you for your time.
Product: Credit card or prepaid card

In about XX/XX/XXXX I applied for a BJs Credit Card  and was granted a Master Card in the amount of {$1500.00}. 

I received a bill in the mail for {$35.00} placed on my MasterCard for the renewal of my BJs membership. At the time when I received the bill, I knew it was an ERROR because I had not ACTIVATED this credit card AND had not AUTHORIZED any purchases. I immediately contacted BJs and explained to them that a {$35.00} charge was placed on my MasterCard that I did not AUTHORIZE. 

I asked if the charges could be removed because I did not make them. The young lady stated she would REMOVE THE CHARGES immediately. That was not done as promised! 

A month later I received a bill from BJs stating I owed the {$35.00} plus a late fee of {$16.00} which totaled my bill to {$51.00}. Again, I got on the phone and contacted XXXX Capital Bank to resolve the issue. Again, I was assured that the {$51.00} would be removed from my account. That was not done as promised! 

I received a letter dated XX/XX/XXXX, stating Ownership of your BJs Perks Plus MasterCard account has been transferred from XXXX XXXX Bank to Capital One, N.A. and is now called a BJs One Mastercard. As part of that transfer, were reaching out about an important change to your account. Capital One gave me a new account number.

I contacted Capital One and explained what happened and asked for the charges to be removed from my account. The young lady at Capital One stated she would contact the three credit bureaus to have the information wiped/removed from my file. That did not happen.

I have been blatantly getting the run around for the longest time and everyone I have spoken with regarding getting this matter resolved- They have FAILED me. 

When I applied for a Home Mortgage Loan my credit score had dropped significantly due to this infraction.

I am totally devastated because this gives LENDERS the impression that I am NOT capable of paying my bills in a timely fashion, which is NOT true.