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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, 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: Credit card or prepaid card

I purchased three items XXXX  {$2.00}, XXXX at Best Buys in XXXX  NY XXXX in the store on XXXX. The delivery and installation to be made on XX/XX/XXXX and XXXX. 

Note I opened a Best Buy house credit line with the understanding I would be billed after delivery and installation. 

On Friday XX/XX/XXXX Best Buy the credit statement bill in the mail with a due date of XX/XX/XXXX I contacted Best Buys Credit customer service and complained that I should be forced into making a payment for goods not yet delivered or installed only to be told that if I did not make a payment I would be assessed a late charge and interest. 

On Thursday XX/XX/XXXX I was informed that my delivery and installation was delayed and I would not get delivery until until XXXX XXXX Due I have recourse. This appears to be illegal?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter in regards to inaccurate and unknown items on my credit report. It has been over 30 days and I have yet to receive a response. I feel like my disputes are not being taken seriously, and I feel like I am being taken advantage of. I have researched and found that my disputes are to be investigated within 30 days. Because the investigation has surpassed the timeline required by federal law, the items in disputes must be deleted. If the items are not deleted immediately I will file for litigation for the stress caused. Additionally, my information was also impacted by the equifax data breach and has most likely gotten into the hands of a malicious person.
Product: Mortgage

Inability to resolve online account access issue. 
I have an online account with nationstar. My login ( username and password works ) but the system provides an error message -- -- HMM ... 
Keyp Your account ca n't be accessed through the Nationstar website at this time. 
Please give us a call at XXXX to discuss your account status. We 'll be glad to help. 

Importantly this message is different than the bad password error message. 

Representatives have worked to reset my password a number of times even so ( they only have a certain script I 've learned from calling in repeatedly ). Even after a password reset the system does n't work. Ironically, when I provide the reps my password they too can not login ( login is OK, it does n't give username or password incorrect message, but gets a bit further and provides the the above error message after logging in ). 

I 've worked this issue more aggressively since XXXX without success ( at least XXXX calls now ). I 've asked that my account be deleted so I can re-create it - so far without success. 

Despite the inability of nationstar to provide online access, in telephone and written messaging I 'm constantly encouraged to use the online system.
Product: Mortgage

I applied for a {$120000.00} fixed rate 15y mortgage with XXXX % down with The Money Store on XX/XX/XXXX. We spoke about closing XXXX/XXXX/15 but did not since the commitment was issued XX/XX/XXXX. I submitted all documents requested XXXX/XXXX/15. The contracted closing date was XXXX/XXXX/15, which they also now missed. Since submitting all my requested documents on XX/XX/XXXX, The Money Store has continued to delay the closing requesting unreasonable documents, not originally requested. Each time I submit documents, they come back with yet another request. For example, there are beneficiaries listed on my bank accounts and The Money Store demanded that I obtain a letter from the bank stating my beneficiaries can not withdraw any money from the account. Once I submitted that bank letter, then they asked that my beneficiaries sign something to the same effect. Another example is The Money Store requesting me to contact the title company I sent a wire to requesting the copy of the cashed check for the money I gave to my mother to pay the balance due on the purchase of her home XX/XX/XXXX! I have perfect credit with no debt and an annual salary of over {$100000.00}. I have plenty of cash in my Money Market account to cover the XXXX % of the purchase and to cover all closing costs, yet The Money Store continues to make these unreasonable requests delaying our closing and pushing us back beyond the contracted closing date. What rights do I have in NJ regarding this issue? The sellers of the house are looking into their legal rights since I have violated the contracted closing date due to The Money Store. I have requested an extended closing date and have yet to hear back from the sellers. The Money Store has had some management changes. I wonder if they are hoping I move onto another lender due to the benefits I reminded them about - {$1000.00} back at closing, no application fees, no commitment fees, no lender fees. Their commitment letter to me listed the fees, which is when I reminded them of the benefits listed on their own website! The loan officer said he was not aware of them and said after checking with his supervisor, it was determined I would receive those benefits at closing.
Product: Vehicle loan or lease

Kitch Acceptance Corporation Continues to report missed payments on the loan to credit bureaus but will not accept payment, restructure the loan or admit to selling the contract to a third party. I literally continue to dispute their inaccuracies on my credit report because they are purposely attempting to ruin my credit ; therefore I would like to file a claim due to misconduct, false reporting, and any other violation that has taken place.
Product: Debt collection

Debt in the amount of {$300.00} is not owed to the collector. Disputed in XX/XX/2021. Debt had been removed from the credit report & has reappeared.
Product: Credit card or prepaid card

I rented a room at the XXXX XXXX in XXXX, GA on XX/XX/2033 and as of XX/XX/2023 funds XXXX pending and cash app will not release unless XXXX XXXX submits something in writing and when I contact the best western I stayed at, the front desk said theyve never had to do that and that since its pending it is on cash app to release funds. Please help
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX
Product: Credit card or prepaid card

This complaint is being filed regarding a {$170.00} charge from XXXX, originally {$270.00} - but I received a refund from XXXX in XX/XX/2018, so the total amount still being disputed {$170.00}. I have disputed this charge four times with American Express due to the fact my sister and I were kicked out of our hotel room at the XXXX XXXX on XX/XX/18 at XXXX after I had a XXXX XXXX. We did not cancel the reservation, we were kicked out of the hotel by their staff. 

I have explained verbally via phone and provided detailed documentation ( including a XXXX and Texas Attorney General complaints ) of exactly what occurred at the hotel that evening to American Express four separate times in filing disputes. To respond to my dispute, XXXX has provided the cancellation/non-refund policy of the hotel, and stated lies that include I assaulted a security person with my room key - which I did not. See XXXX   pdf for messages from American Express as a result of the 2nd and 3rd disputes and pdf 's ending in -XXXX and -XXXX ; these pdfs being the same document that was sent to me as part of the response for the 2nd and 3rd disputer. It is very frustrating to me that the 3rd disputer was closed after I went into a very great detail when filing my 3rd dispute and was told by the American Express customer service agent that the response from the company should not have been accepted as this was not a cancellation attempt by me the customer so the cancellation policy has nothing to do with the dispute. 

My complaint today is that American Express is not protecting me - the customer - against XXXX non-responsive responses to the disputes filed. I fully understand the no cancellation/refund policy of XXXX/the hotel. However, I did not cancel the reservation - the hotel kicked us out in the middle of the night. American Express is accepting the same irrelevant and nonsense response regarding cancellation policies from XXXX each time as an answer to the dispute I filed, but their response is not responsive to the reason for the complaint. I have called and talked to American Express customer service when filing these disputes and have been told that the response from the hotel is not responsive and a new dispute will be filed, twice now. I'm worried that this 4th dispute, filed today, is going to result in the same non-sense, non-responsive response from XXXX and American Express is going to accept that response again and close my dispute, leaving me on the hook to pay {$170.00} for a hotel I was erroneously and illegally kicked out of.
Product: Checking or savings account

On XX/XX/XXXX I, XXXX XXXX, discovered my identity ( and my spouses ),  was stolen after receiving mail from Wells Fargo ( WF ) with a debit card and checking accounts information. Two account were opened in my name with a mailing address for a residence I had not lived at in over 13 years. The account numbers end in XXXX and XXXX, the mailing address used is XXXX XXXX XXXX XXXX, XXXX. Thankfully the current home owner tracked me down and brought the mail to me. I contacted WFs fraud department immediately and learned these accounts were opened on-line without physical proof of identity. I have completed all the steps required by WF to  prove these accounts were not opened by me ; including, meeting with local WF bank officer, Mr. XXXX XXXX, on XX/XX/XXXX. After providing Mr. XXXX with two forms of ID ( also a police report and my FTC complaint ) I was told the account would be closed immediately and any further correspondence would be sent to my correct address ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

As of XX/XX/XXXX, it does not appear these accounts have been closed because statements, for accounts I did not open, continue to be sent to the INCORRECT ADDRESS. I have spoken to countless WF representatives on the phone, sent emails, letters, and spoke to the local representative several times trying to resolve this matter to no avail. I am asking that these accounts be closed immediately and any additional correspondence be sent to my CORRECT address. I should not have to depend on, or burden the current homeowner on XXXX XXXX XXXX to deliver the never ending correspondence from WF. 

Any documentation needed can be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX ON XX/XX/XXXX REPORTED INCORRECT DATE OF MAJOR DELINQUENCY AND FALSE SCORES BY THEIR ERROR. 



XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$2000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$2000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$960.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : {$2100.00} Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Account paid for less than full balance, Paid charge off DISPUTE : Date Major Delinquency First Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX, Actual Payment Amount : {$960.00}, Account paid for less than full balance, Paid charge off STATUS CHARGE OFF IS FALSE AS THE ACCOUNT IS A PAID CHARGE OFF WHEREAS, THE DATE MAJOR DELINQUENCY XX/XX/XXXX IS FALSE, AS THE ACCOUNT WAS PAID XX/XX/XXXX. 
IF THE ACCOUNT WAS PAID XX/XX/XXXX MAKES THE DATE MAJOR DELINQUENCY XX/XX/XXXX FALSE. 









XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$200.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$300.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 86 Creditor Classification : Activity Designator : N/A Charge Off Amount : {$300.00} Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Paid charge off, Account closed by credit grantor DISPUTE : Date Major Delinquency First Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX, Actual Payment Amount : {$300.00}, Account Paid charge off WHEREAS, THE DATE MAJOR DELINQUENCY XX/XX/XXXX IS FALSE, AS THE ACCOUNT WAS PAID XX/XX/XXXX. 

IF THE ACCOUNT WAS PAID XX/XX/XXXX MAKES THE DATE MAJOR DELINQUENCY XX/XX/XXXX FALSE. 

STATUS CHARGE OFF IS FALSE AS THE ACCOUNT IS A PAID CHARGE OFF
Product: Student loan

This is my second complaint to Consumer Finance Bureau for the same issue. The issue fell through cracks the first time and no one closed the issue on Consumer Finance Bureau or Navient side even though Consumer Finance Bureau did contact Navient. 
The last payment I made on Navients Smart Option Loan was on XX/XX/XXXX for {$91.00} and in XXXX, the balance on the loan was {$5600.00}. I stopped making payment on the loan because I did not remember signing any agreement for it. The loan did not add up to my total calculations of other loans. I was XXXX  and XXXX  from XXXX to XXXX. It has been 7 years and the loan has passed statute of limitations still I get harassing calls and letters asking for money. The loan has been removed from my credit report but still Navient has put it under delinquency so it still shows up on Navient website and it shows up when I try to sign a lease for an apartment. I have to rely on others because this shows up on the credit report even though Im unable to see it. It has ballooned to {$7200.00}. I do not have any money to pay this loans and with COVID-19, I have lost my second job so Im struggling to make ends meet. Navient is breaking the law by harassing me through multiple collection agencies for recovery of a loan which is not even real and has passed statute of limitations. One of the collection agencies told me to become a XXXX and make payments for this loans. If I pay this loan, the total interest I would pay would be 26 % and they continue to increase this number. Please I beg for this loan to be removed. I have been making diligent payments on my other loans.
Product: Credit reporting or other personal consumer reports

I was told that I would not receive a hard inquiry because I already had an open account. I called the creditor she said she would email her corporate office to fix the situation. The company name is World Finance on XXXX and on XX/XX/XXXX This also happened with XXXX XXXX XXXX XXXX Im not sure if this is a common practice for their employees to lie to the consumer to get applications?
Product: Checking or savings account

a personal loan company emailed me stating I could get a loan the company 's were fraud the company 's deposited mobile check deposits citibank wo n't help I have been hung up on at least four times I 'm XXXX and citibank did not due due digenge and check my signature card it was two companies XXXX XXXX and XXXX XXXX citibank wants to take my brothers. XXXX check how is he supposed eat or pay rent I have been with citibank since the 90s I expect better from this company and I expect a call a call back since the repesentinel wo n't help I 've contacted ftc aND did a preport I expect help and a call back at XXXX XXXX XXXX or XXXX asap
Product: Debt collection

Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??
Product: Money transfer, virtual currency, or money service

I am writing to informally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I reached a settlement agreement with XXXX XXXX XXXX for the account ending in XXXX with an original balance of {$14000.00}. The account is now paid in full. XXXX XXXX XXXX updated my credit report with all three bureaus to reflect the payment I made, showing a remaining balance due. The accounts do not show paid in full and remain as charge offs. I have exhausted the dispute resolution process with XXXX Transunion, and XXXX and am seeking assistance from the CFPB to resolve the matter. I have attached the settlement letter and a recent copy of my 3 bureau credit report. <P/>XXXX XXXX XXXX has been paid since XXXX and the company has failed to timely send confirmation of settlement to me, and failed to accurately report the account on my 3 credit reports, to include inaccurate investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXXXXXX XXXX XXXXXXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX KS XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

High Point Asset, Inc. called saying that I owe money from a payday loan in which I never took out. They claim that the money was issued to my bank account, and then I closed my bank account and they was unable to retrieve the money. They can not provide me with any information other than that amount that is owed. They can not provide me with who the original amount supposedly came from. The emailed me a generic letter with an amount owed that was not even the amount that they told me on the phone. I have spoke with my bank, and they have advised me that they have had other reports from this company, and that I should not proceed in making payment until I speak to my attorney, which I will be doing later today.
Product: Credit card or prepaid card

I have a superior credit score of XXXX. I have had XXXX lates in XXXX years, and my debt-to-income ratio is below XXXX XXXX, so I am certainly not a low life. On average the other credit cards I have are between XXXX XXXX XXXX %. In the last XXXX months, I don't run a balance with American Express because they were already charging me XXXX XXXX XXXX. 

Last month I was paying XXXX XXXX and this month with a XXXX balance THEY RAISED IT! Now I'm being charged a usury rate of XXXX XXXX? Are they loansharks? Is this allowed? What is the maximum amount they can charge? Or they have no limit? 

Are they allowed to abuse people like this for no economic reason? Is my only only choice just to avoid them and seek another alternative? I've been paying off my balance every month so I never let them charge me another dime, but it just seems wrong. 

And yes I called today, and " XXXX, '' said my account was reviewed in XXXX, and there was nothing he could do. I think this is unacceptable to do to people when you're getting the money for XXXX XXXX and changing me XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On this day, XX/XX/2018, at XXXX, I received a voicemail, that sounded 'scattered, ' and almost unable to understand the message. But, they portrayed 'PayPal , ' of which I do not use, and told me that my account (? ) was not able to transfer monies. It was also said that it came from a 'suspicious ' location. It was also obvious that the voice was digitalized. Their ph # is XXXX. Please do what you can, as I will, to stop these annoying robo calls, asking about my personal life. 
Thank you.