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

I am filing this complaint against Navy Federal Credit Union ( NFCU ) due to improper overdraft practices, mishandling of fraud disputes, and furnishing inaccurate information to third-party reporting agencies, all of which have caused significant financial and personal harm.

Details of the Complaint : 1. Unfair Overdraft Charges : NFCU allowed transactions to overdraft my account, resulting in repeated overdraft fees. This includes instances where payment platforms such as XXXX and XXXX XXXX posted funds on the front end of my account but delayed clearing them on the back end, creating artificial overdrafts and subsequent fees. 
2. Fraud Dispute Mishandling : My account was hacked, and a large unauthorized charge was allowed to go through. When I called NFCU to report the fraud and initiate an investigation, the bank closed my account without resolution, claiming it was " above the banks risk. '' As a victim of fraud and theft, this action not only delayed payments to my creditors, but also caused further financial strain as I had to switch banks and re-establish payments. 
3. Furnishing Inaccurate Information to Reporting Agencies : Despite calling and filing a fraud dispute for the unauthorized charge, NFCU has reported inaccurate and damaging information to XXXX XXXX XXXX XXXX XXXX. The fraudulent charge has been misrepresented as a {$5000.00} {$6000.00} overdraft debt, making it appear as though I owe NFCU this amount. This false information is severely impacting my ability to open new accounts or maintain my financial stability. Hindering me from opening a bank account
Product: Credit card or prepaid card

Approximately 4 years ago I applied for a credit card from my bank - Santander Bank. From the very inception I started to have problems using the card at retail stores and complained to the bank about the embarrassment I experience each time ; nothing was done about my complaint. On Monday, XX/XX/2020, the card was declined for purchases I wanted to make ; on Tuesday, XX/XX/2020 I contacted the customer services department of Santander bank and requested that the card be closed ; for over 45 minutes I was bounced from department to department and was unsuccessful in getting my request completed. On Wednesday, XX/XX/2020, I went to the XXXX XXXX, XXXX, New York Branch of Santander bank and requested assistance from the employee who originally helped me to obtain the card. The credit card department refused to comply with the request made by the bank employee and insisted in speaking with me. I spent over i hour being transferred from one employee to the next without getting my request completed. I noted some of the employees names they are XXXX, XXXX and XXXX. Those employees kept making a number of frivolous excuses and refused to close the credit card account. Now I am being held responsible for a credit of {$10000.00} but can not use the card at my convenience and can not get the bank to cancel the account.
Product: Credit reporting 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 https : //www.ftc.gov 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 XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX FL 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Product: Mortgage

We closed this loan in XX/XX/XXXX, Two companies have handled the servicing. XXXX XXXX is the company we closed with and made payments from the first due in XX/XX/XXXX thru XX/XX/XXXX then made rest of payments to Freedom Mtg starting XX/XX/XXXX to current date. We have had nothing but problems with this mtg from the beginning. XXXX XXXX tried to escrow our loan for the homeowners and taxes but was only suppose to collect escrow on Flood Ins. We spoke with XXXX repeatedly and I thought we had worked all the problems out then they sold the loan to Freedom. I also spoke repeatedly with them to make sure all was corrected and thought after my letter asking for investigation into the loan and their reply on XX/XX/XXXX we had finally got the figures straight. But no dice. We received their reply of XX/XX/XXXX on XX/XX/XXXX and the letter stated that after their investigation our payment was going to be XXXX instead of the XXXX, however, our payment for XXXX was already made. A customer service rep phoned us on XXXX and wanted to collect XXXX to bring our XXXX payment up to the new amount so we complied and paid the XXXX over the phone with them assuring us we were up to date and the next payment would be XX/XX/XXXX for XXXX ( this was a recorded conversation ) Then we received their letter and read that the new payment would start in XXXX not XXXX so the rep should have collected XXXX for both XXXX & XXXX. I phoned Freedom Mtg to make this additional payment but they refused and said I was a payment behind. I did send in this XXXX by separate check with XXXX 's payment with instructions to put towards XXXX payment to bring it up to the corrected amount. So off went another letter to them, certified dated XX/XX/XXXX. They acknowledged my request for another investigation and ask for 30 days to figure it out then sent another letter asking for an additional 15 days. The response I received from 2nd investigation was totally ridiculous and had no relevance to the actual problem only that I was behind one payment. There was no information as to how they figured I missed a payment or when. I phoned and once again asked for a supervisor but got no where or no one. They want me to send copy of all payments I've made and they will try and figure it out although in the mean time they are reporting us to the credit bureaus as being 30-60 days behind in our payment which cost us a very important real estate purchase. That hurt our business tremendously as this property was highly sought after and we barley managed to beat out the competition only to lose it because there wasn't a lender who would loan to us with our primary mtg reporting 30-60 days behind, yet WE NEVER MISSED A PAYMENT. XXXX 's credit scorXXXX went down 97 points from XXXX to XXXX Why are they allowed to report delinquency while the loan is undergoing investigation for accuracy? We are now getting 2-4 calls a week dunning us for payment and receiving 2-3 letters per week threatening foreclosure if we don't pay. We Need HELP.
Product: Mortgage

Our mortgage servicing company, OCWEN, has failed to make an earnest effort in accordance with the Make Home Affordable policy to help our family re-negotiate our home loan balance, which at the height of the Housing Crisis in XX/XX/XXXX-XX/XX/XXXX, reached nearly {$200000.00} in negative equity. OCWEN declined requests for modifications that were submitted with reasonable justification of loss of family income from XXXX to XXXX income source, medical determination of my husband 's XXXX, and a high debt to household income ratio. On XXXX occasion, a OCWEN representative 's advice was for us to miss several monthly mortgage payments to allow our home to go into pre-foreclosure as a basis for OCWEN to consider adequate justification for us to request a loan modification. At present, our family has cut living expenses where feasibly possible in an attempt to pay down our mortgage balance to equal the amount of our home value, presently a difference of {$100000.00} negative equity, so that we may refinance at an interest rate less than our current 6.25 % rate. The primary purpose of this complaint is to report OCWEN 's pretextual policies and lack of incorporation of the Make Home Affordable initiatives in OCWEN 's mortgage loan policies.
Product: Mortgage

Myself and my girlfriend live in XXXX  and we closed on our home purchase on XX/XX/2020 and our loan was through XXXX XXXX. Almost immediately after closing XXXX XXXX  sold our mortgage to loan care in XXXX. XXXX XXXX  did not have all of the details of our loan ( mortgage payment ) complete before selling it to loan care. Prior to closing we were required to have flood insurance however we went through the XXXX process and obtain a letter of map amendment from XXXX stating we did not need flood insurance. XXXX XXXX  obviously never transferred that information to loan care however I did. Loan care received the letter stating we were not required to have flood insurance in XX/XX/2020. We made our first mortgage payment to XXXX XXXX  because the loan had not yet been fully transferred to loan care. That payment was for {$590.00}. Our 2nd payment went to loan care for {$590.00} on XX/XX/XXXX. The payment amount of {$590.00} is " with '' the flood insurance that we are not required to have and that insurance has been cancelled for some time. I have contacted loan care " several times '' explaining this and they have confirmed to me verbally and with a letter they sent to me dated XX/XX/2020 that they are aware that we do not need flood insurance however our mortgage payment is due today XXXX and loan care has still not removed the flood insurance portion of our mortgage payment. We will be forced to make our 3rd mortgage payment in the amount of {$590.00} when it should be less minus the unnecessary flood insurance. We could be using that extra money we are paying for flood insurance that we don't need and that has already been cancelled for our other bills. I do " NOT '' want your office to have loan care call me because as I stated I have discussed this with them several times and gotten nowhere. If I could resolve this issue myself with loan care I wouldn't need to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my XXXX and XXXX, SageSteam reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of XXXX, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for XXXX, XXXX and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CREDIT, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Report Original creditor this co-pay for XXXX XXXX {$45.00} I paid this you can't see the doctor unless you paid, XXXX I never had XXXX XXXX {$300.00}
Product: Debt collection

LVNV funding LLC is reporting inaccurate and unverifiable information. The account numberXXXX under reference number XXXX can not verified under personal information with LVNV funding and XXXX XXXX XXXX XXXX XXXX. I am requesting that LVNV funding LLC delete this account from my credit profile under the FRCA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verify able information to the consumer credit report. If the information is not accurate or verify able it should be deleted. XXXX XXXX from XXXX XXXX XXXX could not verify that my social matched the social they had for account ending in XXXX. Under section 605B ( a ) ( 1 ( ) 2 ) of the FCRA XXXX XXXX XXXX and LVNV funding, a consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identities as information that resulted in identity theft, not later than XXXX business days after the date of receipt by such agency of a copy of an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I quickly pulled my report to review my credit. I found many fraudulent accounts I have never gave consent to open. Please delete these items from my accounts. 

XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$870.00} US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX  XXXX {$720.00} XXXX XXXX   XXXX {$890.00} XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$150.00} XXXX XXXX  XXXX {$830.00} US DEP ED XXXX {$24000.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX {$820.00} XXXX   XXXX {$640.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX, GM FINANCIAL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

Carrington Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Authorization has been faxed in starting XX/XX/XXXX, and also on XX/XX/XXXX, and multiple times on XX/XX/XXXX. 

I spoke to a rep from CMS today and I was told they are running about 30 days behind on processing authorizations, as they do not have the staffing to process their current file load. 

What is is going on?
Product: Debt collection

i have never ask for my medical information to be release once i inform them of that they have violated the HIPAA LAW they told me no they have not because they partner with the hospital XX/XX/2022 was first reported on my credit report Amont : XXXX
Product: Credit reporting or other personal consumer reports

My ex husband financed a vehicle in XXXXXXXX XXXX XXXX. We have been divorced for 10 years and his loan is on my credit report. It dropped my Experian credit score 3 points. My credit was never run and my personal info nor social was ever supplied to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt no apply for XXXX bank account and i have the dispute open with chexsystems and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my chexsystems report .... the dispute in question is XXXX bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud
Product: Money transfer, virtual currency, or money service

Im a widow mother of XXXX kids and my husband died XXXX years ago on duty!!! I have information in my emails and also in mail saying that its money for survival families but some how cant reach it!!! Took out a loan for XXXX to go to school and then transferred after a couple months cause its was too much on me! Then decide to do home school! Then I applied For social security for my kids that haveXXXX and XXXX!!! Then I lost my house with everything in it and my identity was stolen so now I jus have unexplained bills transferred transactions and emails spams and so much and cant get back on track
Product: Checking or savings account

Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXXXXXX  Claim Amount : {$4200.00} This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

The above letter is what I received from chime about unauthorized transactions from my stolen debit card.
Product: Credit card or prepaid card

I have a Citi Diamond Preferred Mastercard and have had the account with Citi since XXXX. On XX/XX/XXXX, I received an email notice of a promotional offer for 5 % back on online purchases made between XX/XX/XXXX and XX/XX/XXXX ( XXXX Monday ), so I enrolled using the button in their email. On XX/XX/XXXX XXXX XXXX Monday ), I made an online purchase with XXXX in the amount of {$370.00}, forgoing 3 % back I would have received by using a different credit card. The purchase immediately XXXX on XX/XX/XXXX ) appeared as a pending charge to my Citi Mastercard. XXXX, due to a large number of orders received on XXXX Monday, did not ship the order out until XX/XX/XXXX, at which time the charge was finalized at {$370.00}. Citi failed to provide the 5 % back. I initiated an online chat with Citi asking why the 5 % back was not made. Citi 's response was that, even though the purchase was made on XX/XX/XXXX, the charge was not finalized until XX/XX/XXXX, thus occurring after the offer period and said too bad, there was nothing they could do about it. 

A credit card operation as large as Citi is well aware that many vendors, on XXXX Monday, will have charges that are finalized a few days after the purchase date. As I pointed out in my online chat, Citi must have a similar situation with many other XXXX Monday transactions. To entice consumers to use Citi 's card by promising 5 % back, then failing to provide the 5 % back on XXXX Monday purchases, under the guise of 'the charge was finalized after XXXX Monday ' is disingenuous, if not an act of widespread consumer fraud. Citi has defrauded me {$18.00}. Multiply this by countless other similarly situated victims.
Product: Credit reporting

Equifax is providing me unequal / disparate treatment as it relates to unfreezing my credit file. Their online portal does n't allow me to unfreeze my file so I have to call in. When I call, they taunt me and say that since I did n't do it online I 'd be punished with a five day waiting period. This prevents me from running any credit applications for an extended period of time. They have no technical support department to contact to resolve the issue. Therefore I 'm unable to unfreeze my credit report in a timely manner and the company is clearly unwilling to support this simple issue.
Product: Credit reporting or other personal consumer reports

Im not able to get my online credit report from TransUnion. The message on the website says the following : We're unable to complete your request online. The TransUnion customer service refused and declined my request to give me an access to my online credit report. They also blocked me and dont allow me to submit online dispute. This is unacceptable service, discriminatory business practice and negative experience.
Product: Checking or savings account

Fraudulent charges were debited from my savings account on the following days and were not authorized by me. I reported unauthorized withdrawals from my account and investigation was done. I received a letter stating that the error did not occur and that my account would not be credited. 
XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$800.00} withdrawn- {$7.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$400.00} XXXX {$3.00} bank charge XXXX {$500.00} XXXX {$3.00} bank charge XXXX {$500.00} XXXX {$3.00} bank charge