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

Navy Federal credit union rerouted my military XXXX direct deposit from my XXXX XXXX checking account ( which was closed well before the deposit showed as pending ) to a savings account without my consent, without my permission and without any type of notification whatsoever. I have called a dozen times only to wait on hold for 2+ hours and be told that there is no further escalation available to solve my issue or answer my questions. I am on vacation 1-1/2 hours away from the nearest NFCU branch and earlier requested a wire transfer of MY MONEY to be sent from NFCU to my new account at XXXX XXXX XXXX XXXX but again after waiting on hold i was told my the security expert named XXXX THAT and im quoting here " No sir we do not have the capability to write transfer your funds, ''. IT XXXXS ONE IF THE OPTIONS ON THE automated menu when you first call how the XXXX are you going to tell me you don't have the ability it 's complete XXXX. and THEN the branch would have to call and wait on hold for XXXX hours to reach someone to release my funds. 
If i find out that them rerouting my funds without my consent is illegal in ANY WAY i will be suing the ever-loving XXXX out of them. I want to know WHO authorized the change in my direct deposit! I've been told " It 's an automatic system that does it, '' I've been told " We don't know who changed your information, '' I've been hung up on and I've waited on hold for a total of 6 hours between yesterday and today alone!!! I was promised yesterday by nfcu 's laughable excuse for a security department that they would notate my account allowing the teller to give me my funds IF i agree to pay some {$230.00} XXXX charge off that they've created. They're holding my protected funds hostage and it 's ILLEGAL!!!! In the past few months i have had my retirement money literally held at bay only allowing me to withdraw the money if i agree to pay them what they want first. I'm contacting my local news station i swear to God i want my money now! I have nothing and those crooks won't hand over MY retirement check!!
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY THIRD TIME WRITING THESE AGENCIES. I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX As required by XXXXXXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Due to the recent COVID19 impacts I reached out to Shellpoint/NewRez for assistance with my mortgage and was advised I was only able to be given a forbearance plan which would not help in my current situation. I asked for a deferment which would move the payments to the end of the loan and allow me to maintain the payments. I asked to speak to a Supervisor on the call and the agent refused to let me speak to a Supervisor. In our current environment this company has not provided the appropriate options to help consumers during this time.
Product: Student loan

I obtained student loans from Sallie Mae when I was completing my XXXX education. Everything was alright with the loans until I went into repayment after graduation. I was misled about the type of loan I had and the interest rates. I was told that the interest rates would be capped at a certain percentage, but every month my interest rates increase by 0.25 % and all 4 of my loans are above 10.5 % and still increasing. I tried to call Sallie Mae to discuss this and they told me that the interest rates do not cap at a certain percentage. Sallie Mae told me that I would receive a 0.25 % interest rate deduction due to me being signed up for auto pay, but no deduction is reflected in my loan balances. I 've tried to call Sallie Mae to get my interest rate decreased, but they said the only way that I can have my interest rates reduced is if my loans default. I do n't see why my loans have to default in order to get my interest rate lowered. That 's absurd. I pay over $ 4,000/ month in bills and Sallie Mae refuses to work with me, but continues to scam myself and other consumers with their fraudulent practices. I try to keep up with my loan payments but it 's hard to when every month my loan balance increases instead of decreases because I 'm paying more in interest rates than principal. This is unacceptable and Sallie Mae needs to fix this. I 've tried to call customer service on numerous occasions to assist with lowering my interest rates but get nowhere with their very poor customer service. I have a loan balance totalling over {$25000.00} that I have been having a difficult time paying on because I have other loans and bills to manage but the balance does n't decrease because of the interest rate. Why will Sallie Mae not work with me to lower my interest rates until my loans default? That is ridiculous and this type of practice needs to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified dispute letters to XXXX, Transunion, and XXXX  with the latest letter being sent on XXXX/XXXX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my Transunion and XXXX  credit reports. XXXX is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after XXXX, Transunion, and XXXX  have claimed to have validated the account. How is that possible? After reviewing my Transunion credit report it shows that XXXX is reporting a Date of Last Activity on XXXX/XXXX/2020. Under the consumer protection afforded by the FCRA Section 605 (  c ) it is against the law to re-age an account. I am requesting that XXXX, Transunion, and XXXX  be investigated and that the XXXX account be deleted from all of the credit bureaus and from my credit reports.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX we received a letter from PNC bank that we owed XXXX dollars from XXXX, no one could tells us what this was for! PNC asked us to pay XXXX dollars and this would be dropped, we paid it because we are XXXX XXXX XXXX and did not want PNC bank to bother us anymore. We are trying to buy a condo and it showed up on our credit report. We want this off our credit report as soon as possible. We never did owe PNC Bank anything! Actually we are sorry we paid that money. We want this XXXX dollar charge disputed as quickly as possible. PNC does not retun phone calls to us.
Product: Debt collection

Paid the entire balance off. I contacted Affirm as I paid this off end of XXXX early XXXX and they are still reporting unpaid to the credit bureau XXXX I disputed and Affirm came back and said i owed money.
Product: Credit reporting, credit repair services, 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 Account Number : XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: Payday loan, title loan, or personal loan

I paid fee to secure this personal loan, this is a told scam and I paid way and above what I should have paid, they keep hitting with all kind of fees, when I cancelled my loan request, they have not returned my fees, fee are in the amount of {$11000.00}.
Product: Debt collection

LVNV continues to attempt to trick me into paying for a bogus debt. In XXXX of XXXX, I received a notice from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX claiming to represent LVNV and were demanding for payment of a bogus debt in the amount of {$540.00} Re :  Acct # XXXX. I disputed this bogus debt via US certified mail on XX/XX/XXXX and requested for a debt validation/proof that this debt belonged to me. I received a copy of a bogus credit card statement from this law firm with no concrete proof of signature or any any contract showing a contract agreement between me and LVNV or XXXX XXXX, I again sent another certified mail to both LVNV and XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX asking for proper proof/validation of debt but I never got any. 

A few months ago, I got a bogus offer from LVNV offering a discount for this bogus debt, I again sent a letter asking for proof of validation and requested that they cease and desist from all communication if they are refuse to provide me with proof of my signature/signed contractual agreement for this bogus debt, never got one and did not hear from them again. 

On XX/XX/XXXX, I received a bogus email from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV and again demanding for payment in the amount of {$540.00}. On XX/XX/XXXX, I again received another bogus request from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV. I sent a official email back to this representative disputing this bogus debt and again asked for proper proof of validation/contract agreement with my signature but never received any. 

LVNV continues this debt on my credit report as a collection account, refuses to provide valid/proper proof of validation that this bogus debt is mine and keeps attempting to trick me into accepting to pay for a debt that is not mine. This company isn't adhering to the FCRA, they need proof that this account is mine. I have disputed this bogus debt with XXXX, XXXX and XXXX and they keep saying LVNV has validated the debt to be accurate, I want to see LVNV proof of validation that they provided to the credit bureaus and tired of this cat and mouse game.
Product: Prepaid card

The business XXXX allows for deposit of funds to be used on their rewards debit cards. I was using their debit card for my purchases and the business decided to close my account. They said they would return funds to my payment method but I have not received anything back.
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to opt out of the Consumer Credit Reporting Companies. I want to permanently opt out of XXXX, XXXX, XXXX, and XXXX, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.
Product: Credit card

Called to file a dispute on transaction from XXXX on XX/XX/year>XXXX  in amount of {$20.00} and financial institution ( Chime ) refused to file dispute Spoke to XXXX with Dispute department Contact Number : XXXX ( XXXX ) XXXX
Product: Credit card

I made a {$900.00} payment toward my balance on XX/XX/XXXX that cleared and came off my balance, then when I made another {$350.00} payment the same day through the same bank it did not clear my balance and was informed it would be available by XX/XX/XXXX. I called Apple to find out what happened and all they would do is give me a list of reasons for the hold, which none pertained to my account, and told me there was nothing I could do. One specialist informed me that because I had canceled a payment in the beginning of the month that all my payments would be on hold which was not true as I made 2 payments that completed after that. The money has been removed from my bank and I can not use it on my Apple card and I need it to pay my rent. Apple suggested I call my bank and dispute the charges and pay a fee when this is not on me or my bank. I need the hold lifted from my payment or the payment reversed so I can have access to the funds
Product: Checking or savings account

Hi first of all I would like to share this process with you my Bank of America XXXX card account has been hacked in XXXX by frauds. They stole XXXX $ in XXXX hours. We immediately called the bank submitted them a claim report and cancelled my debit card while requesting a new card. Bank gave me credit XXXX $ which was hacked on my account and investigation started by the bank Almost after XXXX  months yesterday I have received a letter to my home about result this investigation that says we are unable to approve your claim case???? And this money will be removed on your account XX/XX/XXXX!! it is today!!! How could it happen? I entrusted my money to this bank they didnt protect this money they gave it to me back but now they dont believe this case and did not approved the case did I rob myself? Every transactions are on report with dates. Its so easy to understand this fraud situation in 2024 in XXXX. We have this technology even more than that I have been robbed because of Bank of America. And now XXXX being robbed XXXX more time by my bank this would not be happen! Who is gon na protect our rights? Do you know how I earned XXXX $??? How many hours hard work till midnight??? It was too tough to made this money. After that someone will come and jump in your account to steal this money that your bank your own bank will not do anything perhaps even they will accuse me XXXX ready to go every single court and process in this country this is not only about money but also reputation after this moment. Please help me
Product: Checking or savings account

We received a letter from Wells Fargo stating that they are holding an inactive account in our name in the amount of {$30000.00}. New York unclaimed property law requires us to transfer the money from this account to the state comptroller ( known as escheatment ) if the account has been inactive for 3 years. According to Wells Fargo 's records the last customer initiated activity on the account was XX/XX/2016. We never opened this account and we have called Wells Fargo and no one knows anything about this letter. An email was sent to Wells Fargo phishing email and we have not had a response. We believe we were victims of the Wells Fargo scam where accounts were opened for people without their knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent collection account on my credit report that does not belong to me. The following account is result of fraud : XXXX XXXX XXXX XXXX {$660.00} I reached out to XXXX collection agency who has completed their investigation and determined this account is fraudulent. They stated it can take up to 45 days to remove the account from my credit report.This is too long to have a fraudulent account reporting that is affecting my score drastically. Pursuant to section 605B of the FCRA, this fraudulent account should be removed within 4 days of receipt of notice.
Product: Checking or savings account

On XX/XX/18, my Mother ; XXXX XXXX, XXXX XXXX and contacted the phone number that was given. She spoke to an " XXXX '' rep regarding a refund that she had failed to receive from a return. The individual from " XXXX '' asked my Mother to check her bank account to see if her refund had gone through. During the phone call, the other party accessed my Mother 's bank account and wire transferred {$100000.00} from her checking account to XXXX, XXXX My Mother contacted the Fraud Dept. at Chase Bank the same day and filed a report. 

On XX/XX/18, all accounts were closed, new accounts were opened, a new router was purchased, a cell phone, the home phone number was changed, and a new computer was purchased. Additionally, a police report was filed with the XXXX County Sheriff 's Department, an FBI report was filed via XXXX, a report was filed with the Federal Trade Commission , and the Secret Service and the FBI were contacted. 

Once the police report was completed, a fraud report was filed with Chase Bank. In addition to the {$100000.00} being fraudulently transferred, {$400.00} in XXXX charges were made against the account. Chase Bank reversed the XXXX charges. Yet, are refusing to refund the {$100000.00}. 

My parents receive phone calls from Chase Bank when they are out of town and attempt to purchase groceries. Yet, never were notified by Chase when an unusual, and unauthorized wire transfer went through for {$100000.00}.
Product: Mortgage

Nationstar mortgage llc / Cooper Was the servicer for my home loan I sold the house, closed/distribution was on XX/XX/2020. 
Loan was paid in full.

The loan escrow account had over {$3300.00} I was told by servicer I would be sent a check. It was sent to my old address. I called in XXXX and updated my address, nothing happened, never received escrow. 
I called in XXXX, I was told I would receive a check for the escrow. 
They sent a check for {$2.00} I want the full escrow amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to today to request once more to remove the inaccurate personal information and unauthorized inquiries you have been reporting on my Credit File. I informed you before that I was a victim of identity theft and these items were never mine nor did I authorized anyone to conduct these items on my behalf. I do appreciate your efforts to remove a portion of the disputed accounts and information off my Credit File but there are still items being reported. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please remove the following items off from my Credit File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX If you believe that these items belong to me, I require you to please send my any copies of proof of ownership or verification to support you beliefs. In the event you can not provide such documents, immediately remove the disputed items from my Credit File.
Product: Debt collection

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.

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 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: Mortgage

The following are a list of dates that will help outline my struggle with Selene Finance LP.

XX/XX/XXXX filed an insurance claim with my carrier XXXX. Total Claim Check amount is {$21000.00} XX/XX/XXXX - XX/XX/XXXX Completed the claims process with farmers and they send me a check made out to me my wife and XXXX XXXX XXXX who owned my mortgage at the time..

XX/XX/XXXX jumped through all the hoops required for disbursement and XXXX XXXX XXXX sells my loan to Selene Finance. Selene Finance requires me to jump through the same hoops.

XX/XX/XXXX-XX/XX/XXXX XXXX  with Selene Finance tells me they are requesting disbursement. I ask how long and they tell me it could take 10 to 14 business days to hear from corporate 5-7 business days for check processing and 5-7 more business days for the check to reach my mailbox ... ..WHAT?!

XX/XX/XXXX to XX/XX/XXXX I pay out all of my savings which isnt enough to cover the work done to my home and I still owe the contractor a lot more money.

XX/XX/XXXX-XX/XX/XXXX I give them time to get me the money ... guess this was a bad idea ....

XX/XX/XXXX They tell me ... .and I quote ... '' It looks like we have lost the check..Oh wait no we have it, but we cashed it, but we cant give the money to you. '' I asked why and they said we dont know we need to here back from corporate.

XX/XX/XXXX - XX/XX/XXXX I have gotten XXXX to provide proof of payment and Selene Finance says they have the money, but are working on figuring out what happened with an accounting error before they pay me. ( LOL it takes a month for you to figure out an error you made? WHAT?!! ) XX/XX/XXXX I call them today and demand to speak to corporate. They will not let me speak to corporate. They will not pay me. They acquired my loan on XX/XX/2018 and we are about to enter XX/XX/XXXX ... These people are crooks I need help badly..

My agent said he has never seen a Mortgage company do this to an individual. He said I should get a Lawyer or contact the attorney generals office ... I dont know what to do PLEASE HELP List of names of people who claim they are helping me from the " loss draft department '' : XXXX  ( He is the one who is following my case ) XXXX  ( answers calls ) XXXX  ( supervisor ) I know these people are " trying '', but their efforts are clearly not working..