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

On XX/XX/year>, my account was charged for two transactions 1 for {$170.00} and one for {$170.00}. The charges occurred at a XXXX XXXX XXXX in XXXX XXXX Arkansas. I filed the claim on XX/XX/XXXX. I called Navy Federal to explain to them I do not live nor have I been to Arkansas. In addition, I did not have a car. The lady on the phone stated that she could tell my CVC was not used for the transition. She also said I would receive an email in 24 hours to upload documents. I never received another communication or email from Navy Federal for me to upload any documents. On XX/XX/XXXX at XXXX am I received an email saying that my claim was canceled they found no error. I reopened the claim and uploaded many documents. I uploaded my XXXX location from when the charges occurred. I uploaded a police report I filed online with the Arkansas police. I also explained to someone on the phone that I was able to use my debit card at a gas station without requiring a PIN or zip code. I have video evidence of this. In addition, when I spoke to XXXX they stated they did not have information regarding the dispute and have received no contact from my bank. XXXX told me to provide my bank with a claim number for them to speak. I provided that number to XXXX XXXX as well. In addition I provided a receipt that I was able to get from XXXX for the transaction showing that there were 2 different card numbers used for the translation. I did not receive any letter or emails from XXXX XXXX explaining why my claim was denied. They did not even investigate the claim. I know this because they denied my claim not even 24 hours after I filed it.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received two credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of two other individuals who share my name but possess different social security numbers. Despite my earnest attempts to rectify this situation, XXXX, TransUnion, and XXXX have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter. I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts. It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner. While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer. I implore the Consumer Financial Protection Bureau to intervene and compel XXXX, TransUnion, and XXXX to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as XXXX or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me. Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing situation.
Product: Student loan

I have had auto pay or auto debit on my account since they instituted a new system ( late XXXX ). In XXXX ( previous complaint ) my auto payment was deducted from my bank but not applied to my account. This complaint specifically relates to my XXXX payment. Again, autopay was on for this payment. It was submitted to my bank on XX/XX/year>XXXX  and cleared on XX/XX/year>. I contacted MOHELA on XX/XX/year> to notify them of the error. I then proceeded to spend XXXX XXXX on the phone with them on XX/XX/year> over two phone calls as they tried to get more details. This payment STILL has not been applied to my account. My account has now been marked as past due and I am receiving debt collection notices from MOHELA about it. This is unacceptable that XXXX. They for multiple months have not applied my payment, XXXX. Do not have a process for marking an account in a dispute state, XXXX. Do not stop debt collection notices when it is their own error. 
It has now been 33 days since I submitted the original dispute and I have received no updates about it. I have been forced to call them requesting updates and they tell me it could be 90 days and they refuse to send me written confirmation of the investigation or details about the dispute.
Product: Debt collection

A received a threatening " robocall '' today at XXXX from XXXX XXXX XXXX XXXX. Here is what the robocall said ( paraphrasing ) : This is a final courtesy call from the Weinberg mediation group. Before reporting that you've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. 

The problem is, i do not owe anyone for past debts or any unpaid debt other than what is on my credit report that i pay timely. 

I googled this number and several complaints have been noted from calls all over the US asking you to call another number. This is a SCAM.
Product: Debt collection

Violation of HIPAA privacy. I do not know who H & R ACCOUNTS INC is and did not written consent to access my credit report. This debt is allegedly medical but not sure as I have not knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing the invalid information on my Experian credit report that is hurting my file. a lot of information is invalid.its not correct on all 3 reports. I wants to dispute all incorrect information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter in regards to inaccurate and unknown things on my credit report. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.
Product: Money transfer, virtual currency, or money service

dailypay : I have called to verify my identity several times even have my human resources HR department where I work tractor supply involved. 
sent my copy of my state driver 's license have an available balance, can not sign in on my app apparently this company only allows the phone number as attached verified way to open app. that phone has gotten disconnected. 

according to their own written on line policy only states you have to sign in this app has me totally locked out of my owned account they refusing to assist me with phone number change even after my head quarters verified my info for them. I have emailed my state driver 's licences. 
something about they want a blank pay stub to assist them with this issue. 
why I said I proved who I am, I just need to change my number so I can use said owned account. 
my concern is huge. on payday the XXXX and everything will come to that account now. 
how am I getting back into it with it locking me out? 
the app is set up only to verify through a phone number now that is not active. 
company refuses to simply assist me in the phone number change.
Product: Debt collection

I submitted a loan discharge application to nelnet on XX/XX/18. I have an email confirmation they received the application. However, I have received no additional response back other than them providing me a hardship deferment. I previously mailed documents to them per the department of education and apparently they never got them, but reported negatively on my credit report. I told the dept of education they don't listen and they have my payments too high. I discussed a criminal record with the department of education and was told about the loan discharge paperwork. I was advised to send the paperwork to nelnet. When I called nelnet they denied knowing what it was and told me it was not then that handles it. And that I needed to reach back out to the dept of education. Everything in the dept of education site states it should go to your loan servicer who is nelnet. I emailed the documents and uploaded them in my account for review. I feel like I am being ignored yet again. I want to know this is seriously being reviewed. This last representative told me I could upload documents to my account as I do not go on the site because it never recognizes my password and I have to reset it everytime. This becomes very annoying. This time I uploaded the application to prevent them saying they didn't get it and I emailed it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The app isXX/XX/XXXX Im pretty sure you guys got many complaints about them Ive deposited XXXX was ably to have my bank reverse XXXX worth of deposits but thats all they was able to do Ive waited weeks still no reply from email they dont have a real support number I have proof of deposits and balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter for the creditor in question that was on my credit file as proof that the account that they have placed on my credit file was reported in error. 

Then, I mailed the copy of the letter of proof from the creditor to the credit bureau. The credit bureau refused to remove the creditor from my credit report file.
Product: Credit reporting or other personal consumer reports

This account is Fraud Not only have i NOT given permission to furnish it on my credit report but this account has been settled and charged off. this is identity theft and fraud there was NO court order or permission given to slander and defame my character by putting this on my credit report
Product: Mortgage

Back in XXXX XXXX, Freedom Mortgage was to close the refinancing of our mortgage loan. We started the loan application in XXXX XXXX and on the onset, our feeling was things were being handled and managed to allow us a closing date of XXXX XXXX. When there were delays due to operations issues with Freedom, we requested that all of these issues be resolved before the party involved in the transaction had travel plans and would be unable to postpone them. 

Needless to say, Freedom was negligent in responding to this and closing did n't happen on time for this party to leave for Florida for 3 months. BUT, to make a solution for all concerned, we moved the closing to XXXX XXXX and myself and my other half had to pay the cost of an airplane flight from florida to our home and then return back to florida. 

Needless to say, XXXX date of settlement came and there were again problems made along the way by Freedom that caused delays in settlement on that particular day of closing. They provided a closing cost statement without knowing all of the numbers on the itemized report and could n't explain it to us at Closing. It required further email follow up days after the " closing '' for anyone to provide the complete closing details to us. HIGHLY UNUSUAL for a Mortgage Company in the business of closing loans.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. These practices are unfair and I would like to request further investigation into my account transactions.
Product: Checking or savings account

XX/XX/XXXX, my checking account was locked and I was unable to access any of the funds in that Chase account. This was due to a letter sent by XXXX of a fraudulent transaction into Chase that was sent XX/XX/XXXX. XXXX was able to clear things up with my relationship with them within 2 days. The transaction was an amount of {$4000.00} that I transferred into chase and the same amount of {$4000.00} out of Chase back into XXXX 6 days later. I was never notified from Chase bank of the lock of funds and it took me a week to realize. I went into a Chase branch to speak with someone and we spent 4 hours attempting to contact a specialist within Chase to understand why my account funds were not accessible. They told us that Chase was going to automatically close my account and send me a check of the balance in the mail within about 10 days. I called daily to check on the status of my account and nobody in customer service was able to give me any information. XX/XX/XXXX, a month after I was told I would receive my money via check, I went back into the bank branch to speak with someone about this matter. They told me they were investigating my account and there are no updates and nothing I can do about it. I filed a corporate complaint the same day and was told I would receive a call from a Chase representative to help me with my account and still have not received any contact. Throughout this entire time I have not received any updates with my account status nor documentation or notification of my account being locked of funds. Chase bank is holding my entire life savings and I am unable to pay bills, groceries, and gas. I have received no help nor compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with REGIONAL FIN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and REGIONAL FIN with no successful resolution. There was definitely an error on their part.
Product: Mortgage

I have been working with XXXX to save my home. My lender ( Wells Fargo ), after I submitted paperwork from XXXX in XXXX, including, hardship letters, bank statements and tax returns told me, via phone call, I did not qualify for a loan modification because I was " over 37 months delinquent '' and made no indication of reviewing the documents submitted by XXXX. 

When I spoke with the Wells Fargo representative, on XX/XX/2018, I was told that I was 1 ) Considered as delinquent since I was not paying the full monthly mortgage figure ; and 2 ) Had extra late fees now attached to my mortgage ; and 3 ) was in a category identified. The only option I had was to pay the full amount owed {$110.00}, XXXX by XX/XX/2018 or conduct a Short sale on the property. 

As of today, I have not received a denial letter from Wells Fargo underwriters with notes for the denial regarding the rejection for loan modification. All I want to do is pay the amount I owe, less the add-on penalties and late fees, and restructure the loan. I have attempted to sell the condo two times in the past five years, but have been unsuccessful, due to condominium management negligence. I am in imminent danger of foreclosure. Filling this complaint is my last resort. 

I have a court date scheduled for Friday, XX/XX/2018 for a foreclosure hearing.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : BANK OF AMERICA Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. 

According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches. 
If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.

To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the Bank of America branch, as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Capital One creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Credit card or prepaid card

In XXXX I got a credit card with saks Fifth Avenue, I was {$100.00} in debt with them I called them to make a rangement and they said my card will not be close, the next day someone from capital One call me from the corporate office telling me that the whole balance will be taken care of {$510.00}. Until this day capital one is reporting this all my credit report after they said they will cover the whole {$510.00}, because they made the mistake for closing my card after they said my card will not be close and I can make the payment for the XXXX dollarse to catch up my payment!! Capital one still have this on credit report as today!! The corporate office said they XXXX out the whole bill and they lie, because someone told me this and they Sorry for the inconvenience and they will make good one not charging me the {$510.00}. This was in XXXX when one of Capital one representatives from the corporate office said they will not bill me for the {$510.00} that it will be XXXX out!!! I am so upset because they lied to me and here it is XXXX and I still have it on my credit report!!!
Product: Credit reporting or other personal consumer reports

Synchrony bank is in accurately reporting my payment history on the care credit account. My last payment was on XX/XX/year>. I am requesting my payment history reflects that in accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Verification of proof request was sent to bureaus on XX/XX/XXXX regarding a collection that didn't belong to me from XXXX XXXX and the bureaus didn't respond within 30 days.
Product: Payday loan, title loan, or personal loan

I took out a student loan with Navient. There are two issues. 

One issue is that Navient charges high interest rates. 

The second and most pressing issue is that I contacted Navient in order for me to make an early pay off. Navient refused my offer. Other service lenders have allowed me to make an early pay off in order to make a large one time payment that would be easier on the borrower. 

I am seeking assistance from CFPB on this matter.
Product: Mortgage

XXXX subserviced by Flagstar Bank holds the mortgage on my home. Over the past year they have charged me over {$400.00} in late fee 's that are not legitimate. Their escrow department can not correctly calculate the money owed for taxes, so they re-calculate my monthly payment without notice, and then when the payment increase my auto pay is set for a lower amount, they hold this payment until I get a late fee. Each time I call in and they give me a dollar amount to bring the amount owed to zero and claim to remove the late fee but they do not. I have spent hours of my time on the phone with flagstar over the past year and {$400.00} because they are incompetent. They also miss the early pay savings when paying taxes and cost me {$600.00} last year. 

I have set my mortgage on auto pay since I closed on my house and have no trouble affording my payments yet XXXX / Flagstar has made the home buying experience and absolute nightmare. I have simply been paying them for what they are asking for and then they " Hold Money in Suspense '' to rack up Late Fee 's. It's no different than theft. I simply want to pay my mortgage.