23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX at Navy Federal Credit Union XXXX XXXX violation of the following regulation. I presented securities on bond paper to her with my XXXX account information, XXXX formXXXX XXXX  as I am a member of Navy Federal Credit Union and asked that she transfer my XXXX  through the XXXX XXXX so I could sell or trade them on the XXXX XXXX XXXX XXXX refused to endorse mXXXX XXXX and transfer them stating she " doesn't do that '' I asked if she could explain or if I was missing information and she said " those are XXXX '' and told me if any XXXX else had provided me with a XXXX XXXX  that " they shouldn't '' I asked for an explanation or if I was incorrectly submitting them and she said " those are bills '' I explained they are XXXX XXXX and she refused to assist me or guide in any form. I told her XXXXXXXX XXXX provides XXXX XXXX and that was why I went to the location and she said " they shouldn't '' and that she " wouldn't do it '' no explanation was provided as to why she refused to transfer my XXXX  ( valued at approx {$12000.00} ) VIOLATION OF XXXX XXXX XXXX General instructions and liability. 
( a ) The certifying XXXX must : ( XXXX ) Require the person presenting a bond, or an appropriate XXXX XXXX transaction form, to establish his or her identity in accordance with XXXX XXXX XXXX XXXX instructions and identification guidelines ; ( XXXX ) Place a notation on the back of the bond or on the appropriate XXXX XXXX transaction form, or in a separate record, showing exactly how identification was established ; and ( XXXX ) Affix, as part of the certification, his or her official XXXX XXXX XXXX or issuing or paying agent 's stamp, address, and the date of execution. 
( b ) The certifying XXXX and, if such person is an XXXX or an employee of an organization, the organization will be held fully responsible for the adequacy of the identification. 
( c ) A signature guaranteed stamp under the XXXX XXXX XXXX XXXX XXXX ( XXXX ) is an acceptable XXXX XXXX.
Product: Mortgage

I applied for a refinance on XX/XX/2019 with a very specific fact pattern including a 2nd lien which was an equity sharing agreement. The entire time throughout the informational gathering process this was known. 48 days into the process after all other information was obtained they indicated they would not subordinate an equity sharing agreement.
Product: Checking or savings account

I do not conduct business with Zelle or the payee recipient that XXXX and Zelle have added to my bill payment recipient list. XXXX is legally incorrect to respond to my XX/XX/year> complaint by asserting that I have a duty to contact Zelle to remove a Zelle payee recipient from my bank XXXX account? XXXX is violating banking and privacy law by allowing Zelle to insert a payee into my bank account payee recipients list. XXXX admitted on telephone that Zelle found the recipient from my emails contacts. 

Zelle is listing an unknown person and their email called XXXX on my XXXX XXXX pay recipients list. I am inserting Asterisks inserted for security. I demand compensation for time and effort to have unknown person and email removed from my XXXX bank account bill pay recipients list and compensation for invasion of privacy
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$300.00}. with XXXX XXXX XXXXXXXX. Account Number : XXXX I do not have an account with this company. I asked to be provided with the original contract as my wet signature and ID verification. Instead was sent a Final Bill.
Product: Mortgage

The underwriter went over the top with multiplicious requests for the same information. I had to write a letter justifying why I was buying in this city ( provide a birth certificatereally ) to prove I was born in this city. Then, after a fiscal torture our mortgage agent quit out of frustration. We got a new loan officer midstream and a new underwriter and we closed a week later. Then, magically we received a letter from the IRS saying they were going to audit us. This agent, XXXX XXXX, violated and abused us through the underwriting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX   XXXX  Original creditor : XXXX XXXX  XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX   XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXXXXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX
Product: Mortgage

I was approved by one lender but same issue, cost of loan was not disclosed during initial conversations so I went shopping for an option. I specifically said at the start that my maximum down payment was 25 % and any additional fees would need to be rolled into the loan. After a week of them continuing to request more information, they now refuse to roll in the additional fees into the loan, and of course deny the initial conversation.
Product: Mortgage

I am in a chapter XXXX Bankruptcy and am working with a HUD approved Housing Counseling Office Named XXXX XXXX XXXX XXXX Who was given approval from my attorney to help me get a modification. The paperwork was faxes on XXXX XXXX, 2016. My counselor has been Calling two to Three days a week for the last 2 weeks and they Keep telling her that a fax was received but it is not loaded yet. My mortgage company is Rushmore Loan Management. I think they are trying not to help me. I know that it does n't take that long to upload paperwork into a system. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX  XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX  XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX  XXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.
Product: Payday loan, title loan, or personal loan

Wells Fargo sent me a pre-approved business credit line offer XXXX XXXX, 2017 I was denied because I already have a " similar '' product with the bank. This was only after they ran a credit check and dinged my credit. I told them this was not disclosed during the application period nor the full disclosure. My complaint is this could have been avoided if WFC knew what the left and right hand was doing. " See too big to fail '' In addition, the bank nor my personal business banker communicated the denied credit line via phone, email, letter etc ... I had to call them XXXX XXXX 2017 I have asked them to remove the credit inquiry and apply the favorable terms to my current " similar '' product as of XXXX XXXX. They agreed to removing the inquiry and are pushing the terms to the underwriters.
Product: Checking or savings account

I contacted Chime to verify that if I locked my debit card by not allowing transactions option, that my account could not be debited. They confirmed this, so I turned transactions off. But the following day, on XX/XX/XXXX hey allowed XXXX transactions to go through. XXXX for {$28.00}, and XXXX for {$46.00}. I contacted Chime multiple times from XX/XX/XXXX - XX/XX/XXXX requesting an immediate reimbursment of the funds. They flat refused, would not take accountability, and refused to escalate my issue to appropriate department. I requested the chat transcripts, and was refused these by a XXXX. Ive had chat transcripts sent to me recently, so I know they have the ability. They failed to protect my funds as agreed and refuse to accept responsibility.
Product: Debt collection

MIDLAND CRED is alleging I owe them a debt I do not. I have no contractual obligation to pay this debt and refuse to pay it. Before adding this debt to my consumer report I did not receive my notice of my rights to dispute this information before it was added to my consumer report. I would like Midland Credit to forward their authority to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eqifax reporting fraudulent accounts as open and closed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco out of XXXX XXXX did a credit report without my knowledge. It was done with my social security number, but my husband 's name. Totally incorrect. Last month I sent a letter to Credco and they assured me it would be removed. It's still on my report -- twice
Product: Credit card

Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has singlehandedly and intentionally sabotaged my credit with their false credit reporting. I hold 3 different accounts. One with XXXX XXXX, one with XXXX XXXX, and one with XXXX XXXX. As of today they have closed all three current non delinquent accounts based on a retaliatory act. They claim that based on their information I am considered a high risk of failure to pay. Mind you I have never defaulted on any existing creditor or have been late with any existing creditor for over 7 years. I have waited 7 years to establish new credit after I was forced to file for bankruptcy 7 years ago due to outstanding medical bills. But when I hit my 7th year XXXX has been nothing but disrespectful towards me treating me like an XXXX that has no credit.. This complaint has to do with my XXXX account. I have paid down this project monthly as agreed with the contract. But thats not good enough! I have paid more than the minimum payment for several years not once missing a payment and the thank you I get for being a great customer is " we are closing your account because you are a risk of not paying. '' On my credit bureau, Again there are no indications of defaulting on any of my creditors, on the contrary I have an outstanding payback history Any negative reporting has been caused by XXXX XXXX  and their false claims that I went over my credit limit by 300 percent due to their retaliatory act of reducing my credit line because I retracted a payoff to the XXXX XXXX account, this after they froze my account for a suspicious large payment. Since XXXX of XXXX they have been claiming i became a high risk of not paying and have reported incorrectly to my bureau ruining my credit score. Something needs to be done. No other creditor does this lunacy to good customers.
Product: Student loan

Roughly a month ago, I called Wells Fargo to discuss lowering my interest rate, removing a co-signer, etc. I learned that unless Ive been paying on time for about 48 months ( 4 years ), and unless my co-signer is also experiencing financial hardship, I could not have my monthly payments adjusted. I accepted this, and was told by customer service that since I graduated, my interest rate would now be lowered by half a percentage or a quarter of a percent. The problem? I graduated in XX/XX/XXXX. The call was made in XX/XX/XXXX, after Id been in repayment for over a year. I asked why this hadnt been applied when I went into repayment. After all, I went online to confirm Id graduated, and even updated my contact info. The representative told me that since I hadnt contacted them specifically about the issue ( I had called multiple times during repayment and nobody had ever mentioned this ) that they did not apply the lower rate. I told them I had never heard about this in any communication, therefore I wouldnt know to ask for this specifically. I had asked in early XX/XX/XXXX for a lower interest rate or monthly payment, and nobody mentioned the graduation incentive then, either. The representative told me that this is something in the fine print when I signed the loan originally ... five or six years ago when I was still a minor. I asked if the lower interest rate could be applied retroactively, since I had  asked for something to help and had not been given the information. She said no, that was also in the fine print. The amount may be negligible, but this is just one instance of poor customer service and predatory lending practices Ive experienced with WF. The customer lines are often busy ( not even a waiting time, just busy ), and my emails almost always go unanswered. I was a few days late on my very first payment, and as a result can not make any moves to refinance even though every following payment has been on time.
Product: Credit card or prepaid card

I have been in contact with CapitalOne since early XX/XX/XXXX. I have made numerous calls and sent numerous emails ( two calls occuring as recently as Friday, XX/XX/XXXX and Wedensday XX/XX/XXXX ). 

I had a dispute with XXXX an attorney and in my case a mediator/arbitrator. 
I authorized a charge to put in {$7500.00} in a trust account only because he thretened he was going to use this against me in deceiding custody. Mr. XXXX refuses to give me the money back in trust and continues to bill against it for emails etc. 

Here is what I responded to CapitalOne with : 1. Proof of Return/Cancellation - I do not have proof of cancellation because I was threatened that if I didnt put money in a trust it could adversely affect the custody of my four year old daughter. ( See testimony from my attorney and court documents Dqmotion.PDF pages 6-15 ). 
2. Proof of alternate payment - Disp Tran There was no alternate payment. Mr. XXXX would not allow me to pay on a payment plan. 
3. Copy of your sales receipt Attached. I requested a confirmation of the split, but never received it. This money was to be held in a trust and this Mediator/Arbitrator continues to bill me against. I have no idea of what I am being charged for at this point. ( see email exchange ) 4. Response to the Merchant`s Rebuttal - I dont know what he has as his response. Again he has used the custody of my daughter to force me to pay him. 
In addition I have issues with my bills. Mr. XXXX charged me with a search for a psychologist for my daughter and we ended up with the psychologist I suggested in the onset. He gave me a partial refund for me disputing ex-parte communications ( see below ), but refused to refund me for the entire bill. 
I have disputed them a couple of times. My attorney XXXX XXXX told Mr. XXXX in XX/XX/XXXX that I would no longer be able to afford his services however he would not put me on a payment plan ( see email below ). Mr. XXXX was told in XX/XX/XXXX ( see attachment XXXX XXXX XXXX ) I did not have the means to pay him, yet he again threatened to use nonpayment against me in custody dispute. 
There must be some consumer protection against this behavior. 
I have been a long time customer of Capital One. My expectation is I will have your support. Please have someone contact me ( XXXX XXXX XXXX. 
Thank you. 
CapitalOne Case number : XXXX
Product: Credit card or prepaid card

On or about XXXX of 2022, I discovered a CitiBank credit card on my XXXX checking account. Once I discovered the credit card that same day, I informed both bank entities that this credit card account did not belong to me. Neither bank has not addressed this credit card account as to this present day. However, I had CitiBank fraud department on the phone upon my first inquiry and made a payment of {$1.00} to this credit card account and CitiBank acknowledged the payment. I am requesting for both banks to properly address this issue in regards to how this credit card account was added by XXXX and for CitiBank to address my concerns when or where this account come from.
Product: Payday loan, title loan, or personal loan

I received another call today including a previous call that I reported from XXXX on XX/XX/XXXX at XXXX p.m. On this phone call I was informed that this person was calling to work our an arrangement on a debt. I informed him that he never mentioned it was an effort to collect a debt and proceeded to give personal information without notifying that it was an attempt to collect a debt which should be done on every phone call because he does not know if he is even speaking to the correct person when the call is answered. He said he did on the first call when he called me on XX/XX/XXXX which I do not remember. A XX/XX/XXXX phone call does not verify he is talking to the correct person on XX/XX/XXXX without verification. I informed him that he said my own personal information to me without having me verify which seems like a scam to me. On this phone call I expressed how I did not agree with the collection practices and how I felt it was a violation of the Fair Debt/Credit Practices. The gentleman became irate and expressed that this company paid off my debt with My Pay Day Loan and that I owe them in return, but never mentioned the company name. I have never received any information stating that this happened nor is it listed on my credit report. If the debt has been paid, then why am I being contacted? The gentleman also expressed that they would not accept any payments from me and would be reporting it to have my wages garnished. I called the # back to find out the name of the company that was handling the debt for My Pay Day Loan, but the gentleman hung up on me once he realized I knew it was a scam.
Product: Debt collection

I am filing this complaint because there is a debt collection tradeline in my consumer reports. I have not received any notice of information regarding this alleged debt which is in fact a statutory violation of the FDCPA. I am uploading a notice of debt validation to ensure compliance from the collection company.
Product: Payday loan, title loan, or personal loan

XXXX XXXX of PNC Bank called me in XXXX and said that my line of credit would not be renewed this year. I 've had this line of credit for over 20 years and have always paid off. When I asked him why the would not renew it he said corporate decision. This line of credit is essential to run my business. I asked for a written statement stating why this line of credit was cancelled and got no response. 
HIs contact info XXXX XXXX XXXX Vice President Asset Resolution Team ( XXXX ) XXXX Phone ( XXXX ) XXXX Fax XXXXXXXXXXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX Mail Stop XXXX My company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have attempted to dispute inaccurate items on my credit report due to identity theft. I reached out to Experian ( via certified mail ) in XX/XX/2019 and XXXX 2019 to dispute inaccurate items reporting in my credit file. In XXXX 2019, my dispute letter was completely ignored and I did not receive a response from Experian. On XXXX XXXX, 2019, I contacted Experian and spoke with a male in consumer relations that specifically handles my credit file. I explained that Experian continues to report an inaccurate address, inaccurate accounts and an inaccurate public record. I have two identity theft affidavits with police reports on file with Experian and the gentleman insisted that I obtain a new police report that does not contain an online police reporting system as he stated Experian policy does not accept such reports. However, I disputed the information I received from the gentlemen as consumer regulation does not state such information and most enforcement agencies only accept theft reports online. During the phone conversation, I disputed a inaccurate address listed along with a bankruptcy reported with an alias of XXXX XXXX that does not belong to me. Experian refuses to remove and block this information from my credit file as an identity theft victim in accordance to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. 

I have included all inaccurate and fraudulent information included in my credit file that should be blocked and removed from my credit file.
Product: Mortgage

On XX/XX/XXXX I inquired about a cash out refinance with Strong Home Mortgage , LLC. We were assigned a Loan Officer, XXXX XXXX. On XXXX I was completing the assigned documents when I came across a forbearance disclosure form. I contacted XXXX via email and let her know I was currently in a forbearance with the date it was initiated and its expiration. She advised me that we had met the parameters of the refinance with no concern of the forbearance start date ( less than 210 days after the loans first payment ). I followed through with each of the requirements including obtaining a wholesale membership they requested, a home appraisal and termite inspection all at my expense. I was continually reassured that we met the 210 day or 6 payments required by VA. Our closing date has come and gone and I was made aware that we in fact did not meet that requirement and must wait an additional 210 days from the date our first payment was made after the forbearance end date. I've invested time, money and now sacrificed a credit score due to the false claims made by the Strong Home Mortgage loan officer. I have made contact with a superior in the company who seems to be diverting the issue rather than resolving my concerns.