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

On Tuesday XX/XX/2019 I transferred {$1200.00} into my checking account from a savings account that I opened up with Navy Federal Credit Union for the purpose of depositing my XXXX  son 's SSI XXXX check in the amount of {$1500.00}, which I had deposited on Saturday XX/XX/2019 and had cleared Monday XX/XX/2019. After the transfer was successful I left my home and realized I had to withdraw some cash so I went to use my card at the ATM and the transaction was declined. Confused by this i logged in to my account on the Navy Federal mobile app and noticed all of the money I just transferred had been removed and dispersed to other Navy Federal accounts that were past due. This was done without any prior  notification, no phone call or any other form of communication was used to notify me that funds were going to be transferred. 

I quickly called customer service who then transferred me to Personal Finance Management and finally to Collections. The representative in Personal Finance Management was unable to fix the issue himself so he informed me that collections should be able to and explained what I needed to tell them in order to get the funds reversed. The representative in collections took my information down and put in a request that he said could take up to 24 hours. I waited and called back Wednesday XX/XX/2019 to reach him via his extension. After being answered by other representatives and left on hold, one time up to an hour, I was informed that the request had been denied because " no prior arrangements had been made. '' The representative and supervisor were unwilling to reach any sort of agreement or work towards solving this issue in a way that would be beneficial to myself and the bank. I was willing to make a small payment in exchange for the return of most of the funds. My pleas were met with stubborn refusal and indifference to my situation.
Product: Debt collection

I was contacted via text message regarding a debt that was owed. I went to download the file linked in the text message and was unable to put in the password to open the document. 

I know for a fact that I do not owe any debts that would be in collections. I have since deleted the file off of my phone.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian, XXXX XXXX Experian Credit reporting agencies regarding their handling of my recent credit dispute. Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in several ways, resulting in continued inaccuracies on my credit report. 

Issues at Hand : 1. Dispute Denial Without Proper Investigation : Experian denied my dispute without conducting a reasonable investigation as required by FCRA Section 611 ( a ) ( 1 ) ( A ). I have never signed or submitted any documents that misrepresent the information, yet my dispute was rejected without adequate justification. I never signed anything saying it wasnt fraud either I was never notified at all 2. Illegal Re-Insertion of Disputed Accounts. XXXX XXXX XXXX XXXXXXXX XXXX accounts These disputed account where removed but subsequently reinserted without proper notification, violating FCRA Section 611 ( a ) ( 5 ) ( B ). This section mandates that if an account is reinserted, the consumer must be notified within five business days, including the name of the furnisher and the reasons for reinsertion. I did not receive any such notice. 

Legal Implications : XXXX actions are not only in violation of the FCRA but also have caused significant damage to my credit standing. As outlined in FCRA Sections 616 and 617, Experian is liable for willful and negligent non-compliance, which can result in damages, including actual, statutory, and punitive damages, as well as attorneys fees.

Desired Resolution : 1. Immediate removal of the inaccurate and disputed information from my credit report. 
2. Written confirmation of the removal and a detailed explanation for the mishandling of my dispute.

3. Assurance of compliance with all FCRA regulations in future interactions. 

I am requesting that the CFPB intervene to ensure Experian rectifies this situation and adheres to the legal standards set forth by the FCRA. Their non-compliance has negatively impacted my financial well-being, and immediate action is necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX. XXXX, XXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items 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

The company XXXX XXXX is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.
Product: Debt collection

Portfolio recovery is garnishing my check and never contacted me about this matter they are taking money from check im a single mom my work said it start XXXX XXXX XXXX  so it must be from super old debt from XXXX or XXXX years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX. I have sent many letters with no response from the bureaus. This is a violation of the Fair Credit Reporting Act and the erroneous accounts must be removed. I have attached the last round of letters sent along with the certified mail receipt numbers for confirmation that the bureaus received the letters. 

Certified mail receipt numbers XXXX Equifax XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I've 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 for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices and unfair/impartial and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria XXXX XXXX to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX financed through Santander Consumer USA. The amount financed was {$21000.00} with a 24.84 % APR for 72 months. As of XX/XX/XXXX I have paid {$5100.00} towards the car loan and have a balance of {$24000.00} ( my balance is {$2900.00} more than my original finance amount ). I have never missed a payment on this loan, but due to the XXXX pandemic had made arrangements with Santander to defer some of the months to the end of the loan to provide financial relief as my income and work had been impacted by the pandemic. 

On XX/XX/XXXX I went to a XXXX XXXX XXXX to get information on refinancing my loan. At this time the credit union made me aware of how upside down I was on this loan. The informed me that the value of the vehicle is {$13000.00} and in order to refinance I would have to pay the difference of {$10000.00}. After doing some research I realized I had been the victim of subprime lending and that Santander had been in a lawsuit it seems they lost in XXXX about the subprime lending practices they were engaging in. Unfortunately, I was not part of this lawsuit as I just found out about it on XX/XX/XXXX. I called Santander on XX/XX/XXXX to try and renegotiate the terms of the loan as it is difficult to 1 ) pay {$570.00} per month since the pandemic and 2 ) I owe more than I borrowed even after making payments. Santander is unable to negotiate with me and at this time I am seeking some assistance as I am the victim of predatory lending in the midst of a pandemic that greatly impacted my finances.
Product: Debt collection

Its been over 7 years since XXXX is trying to charge me for equipments that I never had and an account that was base solely on fraud. There is a third party call EOS/CCA base in Massachusetts : www.eos-ca.com. My account # XXXX. 
Current creditor : US asset management inc. 
Original creditor : XXXX The whole thing was a scam base on nothing. I want these collectors to stop sending me to collection bureau every month. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off. I told the credit bureaus to " delete all names, addresses, and phone numbers '' on my credit report. Also I have attached the letter I sent out.
Product: Credit reporting

EXPERIAN COMPLAINT : Complaint regarding dispute sent to Experian regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Experian reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Experian was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Experian never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 

Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Experian reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Experian Credit Report Experian Response to Letter # 1.
Product: Money transfer, virtual currency, or money service

paypal closed my account for no reason and will not help me with getting it back up and going, i am not sure if this a same mistake as i assume it has to be. i have not been able to get help them from months but i just remembered i could file a support on here as i feel theyre not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently My email linked to my paypal is XXXX XXXX
Product: Credit reporting

I would like to inform you that XXXX XXXX XXXX went to court and filed a civil suit and got an Abstract Judgment behind my back without sending me any affidavit or letters before and after court. I found out about this judgment on my credit report a few days ago and was shock to find out that the XXXX account that XXXX sued me for is paid and closed since XXXX, 2008, almost XXXX years ago. I never receive any notification about court neither in person nor in writing and they do that deliberately by not advising customers about court case so that way they could fool the judge with their scam and win the case when the case when there are no defendants present and that is fraud filing false civil cases against customers who have a {$0.00} balance on their account. I never take out any revolving accounts once they are closed so any revolving charges are fraudulent and done by someone who has access to my personal information. Please investigate XXXX XXXX because I do not believe they are legitimate or their practices are wrong and misrepresentation. They deliberately file cases behind customers back or not notifying customers about court hearing so they can bribe the judge and win without proof of account transferred to them or they bought it but still never send me a judgment after court either. They are scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax CRA ) XXXX XXXX XXXX For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. XXXX, XXXX, and Transunion continue to report this as a paid collection instead of deleting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I received postal notification for collection of debt from XXXX XXXX XXXX ( c/o XXXX XXXX XXXX XXXX for {$3500.00}, account # XXXX. 

Per my XXXX credit report this account was opened on XX/XX/XXXX. 

XX/XX/XXXX - I contacted XXXX XXXX XXXX to dispute inaccurate reporting of debt to the XXXX credit bureaus ( XXXX, Trans Union, and XXXX ). 

XX/XX/XXXX - A debt collection of {$3500.00} was placed on my credit reports with all three credit bureaus ( XXXX, XXXX, & TransUnion ). 

XX/XX/XXXX I disputed the collection of debt for {$3500.00} with XXXX XXXX XXXX on XX/XX/XXXX with all three credit bureaus asking each credit bureaus ( XXXX, XXXX, & TransUnion ) to complete a thorough research to verify if debt belonged to me. 

XX/XX/XXXX I completed thorough research of the debt and found improper inaccuracies with my credit report concerning XXXX XXXX XXXX. 

XX/XX/XXXX XXXX Credit Bureau notified me they could not verify the debt as accurate and deleted XXXX XXXX XXXX from my credit report. 

XX/XX/XXXX XXXX Credit Bureau notified me they could not verify the debt as accurate and deleted XXXX XXXX XXXX from my credit report. 

XX/XX/XXXX TransUnion Credit Bureau notified me the verification of debt as accurate and XXXX XXXX XXXX remains on my credit report in collection for {$3500.00}. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights : -15 U.S.C 1681 Section 602 A, states I have the right to privacy.

-15 U.S.C 1681 Section 604 A, Section 2, states A consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit card or prepaid card

I recently got a Venture credit card from Capital One. I use credit cards a lot for my company and they were advertising the 2 miles for every dollar spent. Since I have several employees that charge corporate expenses, I went on line and ordered additional cards. I got a call today from Capital One telling me they needed further information on all the employees such as Social Security card, drivers license, etc. I told them it was too much of a hassle and to just please cancel my request for the additional cards. Since I am responsible for paying the bill I did n't want to give a lot of personal information on all my employees. I was then informed I could not use the card again until I gave them the information on those employees, even though I was cancelling the request for the additional cards. I told the representative that I would not use the card any further and went on line to redeem the miles because there was a big bonus up front. Well, they wo n't even let me redeem the miles without giving them the personal information on my employees. Even though I do n't want the cards now! Capital One is obviously trying to get information to market to my employees and are holding the miles hostage. I will never use Capital One again as I have been a client for years and always paid on time but am being treated this way.