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

On XX/XX/23 I completed an application with Popular Bank to open a XXXX jumbo CD. I received an email verification that the application had been approved and that Popular would make two test deposits, which were successfully completed on XX/XX/23. On XX/XX/23, I received a subsequent email that my account was opened, an account # was provided, and that the account would now be funded via external transfer and to expect a Welcome Package within the next few days. Accordingly, on XX/XX/23 the wire for the full amount of my CD was received by Popular from my personal checking account. I set up my mobile online access and was able to access my account that reflected the CD and deposited balance. Then on XX/XX/23 when I tried to checked my account via online banking again, I received a message that verification needed to be provided prior to online access being granted, that I would need to send Popular a copy of the first page of the account that my funds were transferred from. I did that and received a return email that Popular had successfully received the verification document. I then contacted Popular on XX/XX/23 to find out why I still could not access my account and was told to give it another day. On XX/XX/23 when I still could not access my account, I called Popular again. I was now told that my account had been closed. When I inquired as to why, I was not given a reason, so I subsequently spoke to two different supervisors. When I finally spoke to XXXX XXXX, a supervisor, he told me that they had closed the account and were not required to provide a reason, that it was their discretion on whether or not to accept the account. This made no sense to me as Popular had already opened the account, provided me an account #, and had transferred the money via wire into the Popular CD. I was on the phone for XXXX minutes and when I kept pleading for a reason why my account was being closed when I had successfully provided all the information and received emails that everything was done properly, I kept being told by XXXX XXXX that Popular reserved the right to close any account for any reason, including denying an account to any person that they desired to turn down, and that they did not have to provide a reason for closure. I told him that this was discriminatory and a wrongful act. XXXX XXXX was very aloof towards me and would not provide a reasonable response, other than repeatedly stating that Popular " can close any account to any person for any reason at their discretion ''. I then requested that XXXX XXXX have his supervisor call me which he said that he would do by no later XX/XX/23. I still have not received a call or email. Popular has had my funds since XX/XX/23 and still have not responded back to me. This has caused tremendous stress and sleepless nights as I am not receiving any communication as promised and their act in my opinion has been discriminatory and reckless. Please help. Thank-you.
Product: Student loan

On XX/XX/2019, I contacted Navient because they have incorrect rly calculated my IBR payment amount. This is the 7th or 8th time they incorrectly did this and now they are trying to get me to change my plan, or take an administrative forbearance. They continued to give me the runaround when the payment is incorrect and it is their error : my payment went from approx XXXX XXXX  monthly to XXXX XXXX  monthly. Our income has only changed by XXXX XXXX so a payment of around {$200.00} would be maybe accurate. 

Navient is gaming the system knowing we will never be able to pay in full, so the interest they can rack up will be paid out at the end of IBR regardless of it they do it wrong or not.
Product: Checking or savings account

COMPLAINT FOR VIOLATIONS AND DAMAGES CAUSED BY NAVY FEDERAL CREDIT UNION** ** CONSUMER INFORMATION : ** * Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX * Account Numbers in documents **COMPLAINT DETAILS : ** 1. **Excessive Overdraft Fees** : * Multiple unfair overdraft fees charged ( $ [ total amount ] ) despite account management efforts.

* Fees caused significant financial hardship and violated reasonable banking practices.

2. **Unresolved Credit Card Transaction Disputes** : * List specific disputed transactions in documents -...

* Navy Federal failed to investigate/resolve disputes promptly, violating credit card agreement terms.

3. **Lack of Clear Disclosure and Consent** : * Claim : Navy Federal failed to clearly disclose product terms, conditions, and fees associated with accounts.

* Allegation : This lack of transparency led to unwanted features, excessive fees, and financial harm.

* Request to opt-out of all disclosed agreements due to unclear/misleading information provided.

4. **Violations and Damages** : * Alleged violations of Consumer Financial Protection Bureau ( CFPB ) regulations and XXXX XXXX  XXXX XXXX XXXX XXXX ) rules. 
* Seeking damages for financial losses, emotional distress, and reputational harm caused by Navy Federal 's actions.

**REQUEST FOR RELIEF : ** 1. Reverse all excessive overdraft fees and disputed transactions.

2. Cancel all accounts and products due to lack of clear disclosure.

3. Provide compensation for damages and harmed credit reputation.

4. Confirm actions taken in writing. 
**CERTIFICATION : ** I, XXXX XXXX XXXX certify under penalty of perjury that this complaint is accurate and true. 
Signature : XXXX XXXX_________________________________ Date : XX/XX/year>
Product: Vehicle loan or lease

On XX/XX/2018 i spoke with a Supervisor and i paid my balance that was left for my payment. Then on XX/XX/XXXX a regular employee XXXX XXXX called saying oh my supervisor didnt collect the right amount so i need you to pay the rest. I advised him if a supervisor made a mistake he should fix it and now i will be charged a late fee because of his mistake.It was lates fee supposed to be remove. This company has made it to where i dislike doing business with them. I had told them for over 2 years for them to not call me because so many people say different stuff. Between my husband and i been in and out of the hospital. Like now my husband is under the doctor care after XXXX.I dont need to have any more XXXX behind this company.This company has t o be the worse i have ask for some services to be done instead they do the opposite. When XXXX was here they moved the payment but then report it to the credit bureau is late, if it is being moved to the end of my car payment. Every other company that i had dealt with do not do business like this.I have 2 late payment right now reported in XXXX and XXXX that they moved but still report it olate to the bureau. If they are helping me out why not help all around. I have been dealing with my husband and i health then also deaths.So please help i want all this corrected
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I have been receiving phone calls from a company called PCB about a medical bill from a year ago. What 's alarming to me is I have yet to receive a detailed statement, as this was from XXXX year ago. 
I spoke with my previous insurance company and was informed there is no outstanding balance, and I have documentation as well. 
I 'm being intimidated by a representative named XXXX, that I have to pay my debt which I do n't have. Upon trying to get further information and explaining the situation once again, I 'm either put on hold for a long duration or they disconnect the call. 
The reps name is XXXX from PCB, and the number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX  XXXX  and someone, that being said the people that used me for XXXX XXXX has used my personal information to obtain services and goods to capture goods using my personal information. 
please block the information that is currently being reported on my credit report fraudulantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX  XXXXXXXX XXXX XXXX with the bank and with the credit bureaus. The information is incomplete. I will post pictures of this violation and now i want the account deleted and removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All this account s not mine it is opend by somebody who stole my identity and used to get cards and loans. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont have contract with this Agencies they did not provide me with original contract as i requested. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNTS ABOVE THAT I MENTION HAS VIOLATED MY RIGHT 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 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Its over twenty hard inquiries on my credit report and this has caused hardship and mental mental anguish for me. The Fair Credit Reporting Act ( FCRA ) has a strict limit on who can check your credit and under what circumstance. The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check your credit without written permission. Also its been over 15 days for the compay to respond and this is a violation. Seeking filing for compensation due to the negligence and the improper use of my credit. Remove inaccurate inquiries. XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX I ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting

Equifax is in violation of FCRA laws. Instead of conducting a reasonable investigation of my dispute they have continued to " parrot '' the creditors clearly inaccurate portrayal of the account in question ( XXXX ). The creditor has routinely refused to report the date of closure and date of last activity, and rather than correct the erroneous information they update the aforementioned field by leaving them blank. This allows them to continue to report negative information on an account that has been closed for several years.
Product: Credit card

This account was open fraudulently and without my knowledge and Ive requested from the company to provide ID presented at point of sale and signature on original contract matching the ID presented at point of sale company still havent provided both. How can credit be obtained or used with ID and if ID was presented then a copy should be available. I would like for this account to be deleted and removed from all XXXX credit bureaus XXXX, XXXX and XXXX IMMEDIATELY INDEFINITELY thank you.
Product: Mortgage

XXXX RELATED TO CASE NUMBER:XXXX.SECOND REQUEST TO QUESTIONS XXXX REQUEST DOCUMENTS FOR VERIFICATION OF SALE TO XXXX XXXX XXXX WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE
Product: Debt collection

on XX/XX/25 I was sent a text saying I owed several debts. I called same day to ask for verification that the debt was mine, what is was for, and that I agreed to pay it. They refused to send that. They said they would send me a bill. I told them that was inadequate because I could send them a {$2000.00} bill and that does not mean I owe or agreed to pay it. they just kept repeating that they would send me a bill. I asked to talk to speak with their supervisor, they said they were a supervisor, I said " I don't want to talk to a supervisor, I want to talk to your supervisor '' they proceeded to transfer me to someone who was not their supervisor and couldn't help me. The new person ended the call.
Product: Debt collection

We opened a merchant account with XXXX  XXXX XXXX back in XXXX, XXXX, And after opening the account we noticed that XXXX is only a middleman between us ( merchants ) and another merchant provider called XXXX ( the new name of this merchant provider now is XXXX ). 

We had no problems and our business was doing fine and stable, after few weeks we scaled our business and we start getting more sales, and suddenly we received a call from XXXX claiming that our account is under review, and this review took more than 2 weeks, after that they took a reserve of more than {$20000.00} ( in this stage I was calling them everyday with no answers from the risk department [ I mean XXXX  risk team, since XXXX  was not involved in these issue for some reason ] that they claim is the right department that can provide details about the hold and the reserve ), and that means XXXX did all that without any formal communication. 
Note : during this entire period of the review, they were collecting fees from my bank account. 

After few days the account was closed [ on XX/XX/XXXX ] and because of that I was out of business permanently, and I was surprised when I got a call from XXXX claiming that I owe them this amount. I requested XXXX  and XXXX to explain why I owe them this amount, since the statements [ see attached ] that I received after the account closed were not showing this numbers. But no explanation was provided. I called the XXXX customer support ( since XXXX didn't have any info ) to ask about the reserved balance that was held before the account closed, and after I got connected with a lady who explained that they still have a reserve balance of more than {$14000.00}, and she stated that I will receive a check to my address with this amount, witch I never received. 

And today I got a letter from a collection agency regarding this matter, asking me to pay this debt. That I am still waiting an explanation for it from XXXX and XXXX. 

XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Thank you for allowing me to submit this complaint. 
XXXX XXXX XXXX XXXX recently submitted to Transunion a credit reporting agency that I was 30,60,90 days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from XXXX acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
~XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 to be removed/updated. 

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. 

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Student loan

I have had multiple issues with the XXXX XXXX XXXX XXXX XXXX through Fedloan servicing that I have tried to resolve directly with Fedloan via multiple phone calls and inquiries, as well as working with partner/outside organizations to help resolve this issue. 
The following details the most recent experience I've had with this program. I filled out the application for loan forgiveness on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Fedloan that they received my application for forgiveness which had been filled out, and signed by me and my employer. On XX/XX/XXXX, I got notification from Fedloan that I have made XXXX XXXX qualifying payments. Please see attached documents for details. There is also a notification on my Fedloan website that I have made XXXX qualifying payments. 
On XX/XX/XXXX, I received a letter from Fedloan that said that my employer needed to contact them, as there was missing information on my application according to the letter. The letter did not specify how to contact them or provide any specific contact information. I consulted with my employer, we reviewed the XXXX forgiveness application that we submitted together and did not see any missing information. However, we decided to call Fedloan together, with hope to resolve the issue. Here are details from the call. 
1 ) Waited on hold from XXXX, spoke to XXXX ( XXXX ) about the issue related to the letter I got on XX/XX/XXXX about my employment verification and section XXXX not being completed properly ( even though it was ). She said that a XXXX needs to update my account once they have my employer 's verification that I am still employed at ( my PSLF qualifying employer, a non-profit agency, that I have been employed at since XX/XX/XXXX ). 
2 ) We were transferred at that time and on hold until XXXX. We Spoke with XXXX ( XXXX ). When I shared that the application we submitted for XXXX, from what we could see, was completed correctly and did not have any missing information she said that they are changing the forms, and planning to require that employers put the date the form was filled out as the " last date of employment '' and that is why they needed additional verification from my employer. My employer gave her title and verified that I am still currently employed, and XXXX updated the account and said that I should receive written notification. To date, ( XX/XX/XXXX ) I have not yet received any written notification. 
XXXX ) I asked if there was anything else I needed to do and she said no. She said that I could certify my iXXXX XXXX XXXX XXXXXXXX  and continue making payments if I don't get forgiveness before my first payment is due. She also said that I will be refunded all payments back to the date of XXXX payments if/once my balance is forgiven. She also said that it could take several months, there is no timeline, but then later said some people have already received forgiveness. The next step should be that I hear whether or not my loan forgiveness is processed.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. They should correct the following accounts completely from my credit file : DEPTEDXXXX XXXX Balance : {$6500.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

DEPTEDXXXXT XXXX Balance : {$1100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

DEPTEDXXXX XXXXXXXX Balance : {$2300.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

DEPTEDXXXX  XXXX Balance : {$6200.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 
DEPTEDXXXX XXXXXXXX Balance : {$2500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
DEPTEDXXXX XXXX Balance : {$2600.00} - Please take off the late things from this account because I think I made my payment on time. 

DEPTEDNELNET XXXX Balance : {$6300.00} - I need this account be corrected NOW.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I had an email from both XXXX and XXXX that I had a new hard inquiry on my credit report from WF CRD SVC that occurred that day. I have not applied for new credit through Wells Fargo nor did I authorize a credit check. I do have an auto loan that I opened nearly 2 years ago through Wells Fargo. I contacted Wells Fargo and Wells Fargo Auto Loans and they stated that they did not see any new credit requests on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to re-implement the security freeze on my credit report with Equifax. I logged into my account and received the notice that " We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details ''. When clicked, I am instructed to call. I have now called three times. I can not get through to any representative because the security questions I am being asked are not about me - i.e. you opened an auto loan in XX/XX/2017, who was it with. I do not have an auto loan and never opened one. Then the next question is how much the loan is for! I can not get through to a rep without verifying, but the info they are attempting to verify me with is inaccurate
Product: Credit card

Wells Fargo offered me a predatory credit card when I was only XXXX XXXX XXXX with very high interest rates and a very high credit limit. They intentionally mislead me and trapped me in debt for many years.
Product: Debt collection

About 20 or 25 yrs ago XXXX said that i owe them some money but I never took out any loan or anything from XXXX, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called ARA Collection they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing
Product: Mortgage

My loan was transferred to DiTech for servicing XX/XX/2016. Since then my taxes have not been paid. Funds have been withdrawn from my escrow account and not applied to my tax bills. To this date my County and interim school tax bills have not been paid. I have been reaching out to DiTech since XX/XX/XXXX to get this resolved and have been unsuccessful. I was put in contact with several managers at DiTech and XXXX who distributes the tax funds and have not received any feedback or resolutions. DiTech has also taken additional monthly mortgage insurance payments from my escrow account as well with no explanation on why. Any help addressing this matter would be greatly appreciated.