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 have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. The issue aligns with the recent CFPB findings against Navy Federal 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 transaction.
Product: Vehicle loan or lease

When looking for a used car to lease, I chose the cheapest car on the lot, thinking I can pay it off faster and my student loans wont affect the debt to income ratio much. Well XXXX became XXXX from Credit Acceptance after signing the loan to lease! Im about to hit a year in XXXX and Ive paid off XXXX of my XXXX ( I put a XXXX deposit. ) Its projected that I would pay XXXX XXXX XXXX at the end of the loan in 4.8 years! Thats insane!!
Product: Checking or savings account

Six months ago, Bank of America opened a savings account associated with my existing account without my permission. I immediately called and had the account deactivated. My BoA username and password were changed, and two-factor authentication was added. This week, BoA opened ANOTHER savings account without my permission. I have not called on this account because it seems like it is someone with BoA, not an outside scammer, that is opening the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to Experian, XXXX, and XXXX   along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Experian has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Experian never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Experian has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Due to these numerous violations Experian must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}.
Product: Mortgage

PNC accepted my application for $ XXXX in a home equity loan late XXXX. Upon signing, PNC told me I would have a locked-in rate. They then split the loan into 2 segments. $ XXXX and $ XXXX. They also opened a checking account and 2 savings accounts " as a favor. '' I told them I did not want the savings but insisted I sign anyway, claiming I could just close them. After a few days, $ XXXX appeared in the account, and the remainder was missing. Upon now 8 conversations that have led to these issues. 

1. I have to request the money transferred and go through another process, not discussed.

2. I requested they submit the funding multiple times, yet no movement has occurred in a month.

3. I was insulted, and a manager told me, " I don't know how loans work. '' I thought they gave me an agreed-upon amount of money, and I paid it back with installment payments plus interest. 
XXXX. I was just told the $ XXXX was not a locked rate. I was repeatedly assured I have a locked rate on the full amount. 
XXXX. I now get multiple calls a day from them explaining the loan is $ XXXX, yet I can not answer why $ XXXX is not transferred. 

PNC now has equity in my home without completing the transaction. It has become active refusal to correct as " no one has authority '' to complete the agreed transfer.
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 XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Checking or savings account

On Thursday XX/XX/2019 I had received 2 different letters dated on XX/XX/2019 from the HSBC Bank to inform me my checking account will be close on Friday XX/XX/2019. By exercising their right for rules for consumer Deposit Accounts. 
Second letter was my credit line account has been terminated ... 
I try many times call XXXX numbers to know the reason with details to defend myself of innocence of what triggered the company to close all my accounts. Only answer was I break the rules for consumer Deposit. 
I had 9 years of relationship with the Bank never had problem of late payment of my credits Line and never use the full potential of the credits few months ago they raised my credits line ... I never on 9 years overdraft my checking account, plus I had security checking account if was ... 
Only Deposit I have on this checking account are my direct deposit from my employers.
Product: Debt collection

I, XXXX, received XXXX collection letters from Nationwide credit Inc. where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the Bar Code. 

Showing the " Bar Code '' is a FDCPA violation of section 1692f ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me XXXX options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas Finance Code. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX., the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/2015. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.
Product: Credit card

In XX/XX/XXXX I opened my account with XXXX XXXX XXXX XXXX. I never had a late payment or missed payment, in fact for a long time I paid my balance in full. I am not sure when exactly but Bank of the West became BMO and everything about the quality of their service declined. 
I stayed with the bank regardless. However about a week ago I tried to use my card and it got declined. I checked my account online and saw that I do have an available balance of over {$3000.00} and my account was current so I couldnt understand why I was declined. I thought there was probably something wrong with the credit card machine at that store but I was very embarrassed. Not thinking it was the card that had the issue I tried to use the card again a few days ago and had the same issue. I was extremely embarrassed called BMO to figure out what the issue was. I called them on XX/XX/XXXX, I was on the line waiting for customer service for 40 minutes and they never connected me and it was disconnected after 40 minutes of waiting. Called again today XX/XX/XXXX. Finally got a hold of someone and they told me BMO had closed my account and they dont have to give me a reason. I asked why didnt receive a notice they said they didnt need to notify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

This is in reference to a XXXX XXXX Platinum Mastercard secured credit card. The issuer held {$350.00} of mine and I could charge up to that amount every month. I paid in full almost every month and was Never late. 

I was notified on XX/XX/2019 that I was going to be charged a renewal fee of {$49.00} during my next billing cycle, beginning on XX/XX/2019. 
I IMMEDIATELY sent a written notice requesting that my account be canceled Before the charge went into effect. 

Two weeks later I spoke with a Customer Service representative who told me that I was Not being charged the fee, that a check in the amount of approximately {$400.00} had already been issued ( {$350.00} deposit plus a negative balance of approximately {$45.00} ) and that I should be receiving it any day now. 
I can provide proof of that phone call but cant attach it here. 

Today, XXXX XXXX, I was told that charges were approved on the account after I closed it, and that I was being charged the {$49.00} fee even though the card has been canceled. 

I would like the {$49.00} fee refunded. 

The representative was rude and totally unwilling to help.
Product: Payday loan, title loan, personal loan, or advance loan

I do not recall taking this loan out. I also had a CC that somebody fraudulently opened around the same time. I did not receive money for this loan. I did try to call them but they were very rude and insisted since my social was the right number it was me that took the loan out. I have never taken a pay day loan in my life. I did not receive this money, they said that somebody also paid on this loan, I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED FROM XXXX THEY HAVE REMOVED THIS ACCOUNT AND EXPERIAN SHOULD DO THE SAME. EXPERIAN VERIFY THEIR BANKRUPTCY THRU XXXX AND XXXX HAS REMOVED HERE IS THE LETTER
Product: Student loan

I had many occassions when I asked for relief on my loans and was offered forbearance instead of deferment which caused my student loan debt to go over 200,000.00 which caused me tremendous XXXX XXXX  and financial problems before I was able to finally have these loans forgiven due to XXXX. This occurred approximately between XXXX-XXXX. I was also offered a extremely huge payment for an income repayment plan that I was told was all I qualified for. This process of being offered options that were not affordable for many years was vey stressful, discouraging, and hurtful financially. We had to file bankruptcy many times over these years due to student loan debt.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband XXXX have several issues with The Loancare XXXX XXXX since they took over the loan. They have sent all credit bureau of reports of being late for 30 days due to the fact they were not processing our payments correctly. I had to repeatedly contact them because they were pulling funds from an non-existing account that my husband and I had never even heard of. We had two separate accounts they could pull the payment from after I made the payments online in which I drop boxes for two accounts. This company has also had extra fees on the account totaling over {$270.00} extra. The customer service representatives act like they dont know what Im talking about. I went to look for reviews about this company due to the fact our loan was sold to them from XXXX XXXX and elven with these reviews the complaints are the same as ours. I think they are gouging us with fees and this just ridiculous. We never had problems with the previous loan company and all our payments were on time. We need assistance on how to deal with this company. please help. We are now in the of 3 payments because of this foolishness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint regarding a delayed payment initiated via Hyperwallet on XXXX XX/XX/year> to my local XXXX account amounted XXXX Despite multiple follow-ups, I have yet to receive the funds, and Hyperwallet 's support team has only provided standard replies stating they are " tracking the payment '' without any resolution or timeline. I have provided all necessary transaction details to Hyperwallet and confirmed with XXXX that no incoming transfer has been received. This prolonged delay has caused significant financial inconvenience, and the lack of clear communication from Hyperwallet has been deeply frustrating. 

I kindly request CFPB 's assistance in investigating this matter, ensuring Hyperwallet complies with financial regulations, and helping resolve this issue by providing proof of transfer and ensuring the funds are credited to my account without further delay. Supporting documents, including transaction details and email correspondence, can be provided upon request. Thank you for your attention to this matter.
Product: Credit reporting

I have sent certified mail to all XXXX credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response back was that they do n't have any information that pertains to me or my ssn. They also state that they do not supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail showing that this was in fact not my account and requested that they remove this account. They have yet to update my credit they fail so far to remove this account and experian wont allow me to dispute anything else with their company. I have went to my local police filed a report about my identity theft like the credit bureaus have asked me to do. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case. 

I have attached the second letter I have sent them and a copy of my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2021 I learned about a collection for a course that my previous employer suggested I pursued- I contacted General Revenue Corporation in order to satisfy the collection and dispute with university. I asked what did I needed to do to have that collection removed from my credit report. I was told by XXXX that in order to have it removed I must pay it in full or they can also accept a settlement. I chose not to do the settlement because the collection was affecting my credit. I paid it in full, and I am in the process of disputing the debt with the school. Today XX/XX/XXXX I contacted the collection company to request an update on why the collection has not been removed if payment was made in full on XX/XX/2021. 
I was now told that they would update the account but those collections dont get removed. I was lied to and provided incorrect and deceiving information in order for them To collect payment. I am requesting this collection is removed entirely from my credit report and they refuse to do so.
Product: Credit card

Received a debit and credit card in the mail from Chime that I did not order or authorize. I called Chime to cancel these cards and the first time I called I was put on hold for 20 minutes then the call was dropped. When I called back they reviewed the accounts and noted that though my name, phone number, date of birth, last 4x of my social security number and address were all correct the email and phone number were not my own. They then transferred me to their fraud department where they asked for some verifying information then put me on hold for another 10 minutes or so. In the end they cancelled the cards and sent me an email confirming that the cards were cancelled and urging me to report the fraud with at least one of the major credit bureau. Even a cursory search online finds this same thing happening to many other people. Chime needs to change the way its accounts are opened to take into account that if you have any kind of online presence then all of the basic information they require to open an account is readily available to the scam community because of how poor online security is for so many businesses.
Product: Student loan

XXXX XXXX XXXX is trying to file motions in the XXXX County Circuit Court against me and my co-signer for this loan. They have filed misleading and false documents to put this in the court system.
Product: Debt collection

XX/XX/2022 I made a membership with XXXX, Ibwas told they had a promotion that was ending that day, if I signed up. My membership would be XXXX dollars. Fast forward a two months later. I reached out via phone asking for a cancellation. I had a herniated disc that got worse, so I was not able to step in the location. They told me to send a email to coorperate. Which I did. Never received a response. 2 months later. I received a later saying I had a balance of {$350.00}. Which didnt make sense. Because my membership was {$10.00} a month. Not a lot of time had passed. Fast forward. I reached out once the balance hitbmy credit. I was told XXXX sold their company and there was nothing they can do. 

Atleast take responsibility. Or fix the balance that I owe. They told me my acc was a {$25.00} acc. Which was inaccurate. XXXX created problems for me and left the problems to a Nw company. I m not the first because I read a few reviews on XXXX. Please look into this, the ammount is not accurate
Product: Payday loan, title loan, personal loan, or advance loan

Tried to dispute accounts
Product: Vehicle loan or lease

I am writing this letter to express my deep dissatisfaction and frustration regarding the recent threats of repossession of my car from GM Financial company. My name is XXXX XXXX, and my husband and I have been clients since 2017. Recently, we have experienced a series of devastating losses : both my mother and his father passed away. In light of this tragedy, it is incomprehensible that they do not show even an ounce of empathy or compassion towards us. 

We are aware that our payments are behind schedule ; however, with my husband taking care of most bills, it has become increasingly difficult to catch up on our car payments. Furthermore, the thought of someone coming into our private property to repossess the vehicle is absolutely outrageous and illegal in many states across the nation and I believe New York its one of them, correct me if Im wrong.

We would like that, if possible, stop calling us multiple times a day and sending us threatening emails related to repossession. We have decided that we will only respond to written correspondence from you due to the constant phone calls demanding payments at our workplaces which makes us feel deeply uncomfortable, the constant calls and letters are not helping the situation. We understand that this is a difficult situation for both of us.

We understand our responsibilities as clients and were not denying it, but we also know what rights we are entitled to as well, and know thats why we are here to contact the Consumer Financial Protection Bureau.