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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have Incurred. Despite having sufficient funds when the 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 are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to comply with my demands. They continue to violate my consumer right. I have made complaint after complaint just for them not to comply. I have being continuously violated by Experian. i am demanding them to stop infringement and discriminations as well as identify theft and follow laws as they state. i will start to seek further litigation for the violation of consumer rights. repeatedly breaking the law. my demand need to be met immediately. They are keeping bad information on my report demeaning me unworthy or credit or a home. They are using their status to discriminate towards me and keep me on the lower levels or credit worthiness LAWS TO SEE : according to 15 U.S. Code 1666B it's a billing error. Also, if a finance charge were included it shouldn't be no late payments 15 U.S. Code 1605 ( a ) finance charge because that's the sum of all charges so you can't penalize me for something paid in full. 15 U.S. Code 1681e ( b ) which is maximum possible accuracy. DEMANDING inquires and collections as well as late payment need to be removed... 

Collections remove!!! ( XXXX XXXX XXXX Opened XXXX {$2700.00} ) CLOSED ACCOUNTS REMOVE NOW!!! 

XXXX XXXX XXXX XXXX  XXXX Remove XXXX XXXX Closed Closed on XX/XX/2016 XXXX XXXX Closed XXXX XXXX XXXX  Closed Closed XXXX XXXX XXXX XXXX  Closed Address where advised my only address is XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX Remove addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Money transfer, virtual currency, or money service

BMO Harris Bank cashed the check without confirmation of proper ID. 

I was expecting a bonus check for {$3000.00} from XXXX XXXX XXXX after 90 days of employment with XXXX XXXX. The check was sent to XXXX XXXX XXXX in XXXX XXXX, IL XXXX, which is the address that I was supposed to lease, and I notified XXXX via email of my new address on XX/XX/XXXX and on XX/XX/XXXX. XXXX XXXX of XXXX never updated my new address. The check was sent to XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and the occupants at XXXX XXXX XXXX stole the check and forged my name. The check was cashed at BMO Harris on XX/XX/XXXX. 
XXXX XXXX is the bank for XXXX XXXX XXXX, and they will not reissue the check until they are reimbursed by BMO Harris. 

Thank you!!
Product: Credit reporting or other personal consumer reports

I have notice several unauthorized credit inquires on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Unauthorized Disclosure of Student Loan Data Dear Consumer Financial Protection Bureau , I am writing to formally submit a complaint regarding the unauthorized access and potential misuse of my confidential student loan information by the Department of Government Efficiency ( DOGE ), an entity established by executive order in XX/XX/XXXX. 

Recent reports indicate that the U.S. Department of Education shared sensitive borrower dataincluding Social Security numbers and financial account detailswith DOGE and unauthorized individuals, including XXXX XXXX. This action appears to have violated the Privacy Act of 1974, which restricts the governments ability to collect and disclose personal information without proper authorization. 

As a borrower affected by this breach, I am extremely concerned about the security of my personal data, the risk of identity theft, and potential fraudulent activities arising from this improper disclosure. Furthermore, multiple lawsuits have been filed against the Department of Education by the University XXXX XXXX XXXX XXXX and various labor unions, reinforcing the severity of this issue. While the Department has temporarily halted DOGEs access to these records, I request that the CFPB take immediate action to : 1. Investigate the extent to which my student loan data may have been improperly accessed or shared.

2. Ensure that all affected borrowers, including myself, receive timely notifications regarding this breach. 
3. Require the Department of Education to implement stronger protections to prevent unauthorized disclosures in the future.

4. Hold accountable any parties responsible for violating federal privacy laws.

Given the sensitive nature of this matter, I urge the CFPB to act swiftly in addressing these concerns. Please confirm receipt of this complaint and provide me with information on the next steps in the investigation process. 

Thank you for your prompt attention to this urgent issue. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX, XXXX and XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION were made aware that the alleged mortgage was paid in full, that any amounts showing were in error, except that those amounts are owed to us, that the full amount to pay the alleged mortgage was tendered, received, and change or the item returned with Navy Federal failing to credit the mortgage account. We expressly disagreed with any sum showing as due from us. On XX/XX/2024 an amount was showing as due. We paid that amount showing due on XX/XX/2024. Please see the enclosed check. The scanned image from NAVY FEDERAL does not show .private.special deposit.entrust. which was printed in RED on the top of the check. The date says XX/XX/2024. The amount is XXXX XXXX real united states dollars as shown by the double line in the dollar sign and the wording XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX in united states dollars having the double line in the dollar sign. The account number ending XXXX was written on the face of the NFCU check. The check shows PAID IN FULL. It was tendered, accepted, processed and the account was PAID IN FULL again XX/XX/2024. There was no debt. The Teller confirmed that there were no payments due. We transferred funds into the NFCU checking account for a specific purpose to be used for education and to pay on the purchases. Social Security transferred money into the account. On about XX/XX/2024 Without our authorization, without our consent, NAVY FEDERAL Stole our money {$3400.00} in unlawful conversion and applied our {$3400.00} funds and Social Security funds to a mortgage that on XX/XX/2024 the Navy Federal Teller in XXXX Kentucky confirmed, nothing due, no name on Mortgage. The teller applied the funds XX/XX/XXXX to MORTGAGE HELOC XXXX  in another act of money laundering. The documents show PAID IN FULL XX/XX/2024. NAVY FEDERAL misapplied funds XX/XX/XXXX and caused harm to us in THEFT, Bank Fraud, Conspiracy to Deny Rights, Deprivation of rights under color of law. The XXXX  shows a R.I.C.O.  action with " payment '' on XX/XX/2024. We made no payment as no payment was due. XXXX and Navy Federal Credit Union conspired with XXXX XXXX and XXXX XXXX in a second predicate act of R.I.C.O. action under the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i brought a Money Order from Western Union Services, for a friend out of town. He never received the Money Order. With XXXX hitting my family and friend, the Money Order slipped my mind. I called XXXX. to get information about a Lost Money Order. The stated the Money Order had not been Cashed. She also said that i would be receiving {$48.00} from a {$75.00} Money Order. I said im aware of the {$15.00} Processing fee but nothing or fees are on my receipt in my hand. She stated the Money Order had Depreciated. I said that's not on my receipt. I told her i did not believe her and she was making it all up to Steal my Money. Why wouldn't a Large Company like XXXX XXXX make it clear on ALL FEES. It's All a Trick to Steal Consumer 's XXXX.
Product: Vehicle loan or lease

Exeter finance is deleted off my XXXX  report but they did not deleted off my XXXX   or XXXX  report cause if the account was valid they wouldnt had deleted off
Product: Credit card or prepaid card

I do not have dates because they are not showing up on anything the Credit card company has given me but I got an ASPIRE Mastercard and its not accepted most places that Mastercards are accepted. This has been going on since I got the card, I called todayNd they said I had a {$7.00} available credit when there automated service and app says I have {$140.00}, they told me I must be buying it from insecure places but unless every shop in XXXX County is unsecured I thing the security issue is more likely on their end. They are charging me fees for a card I can barely use. This has been happening since I first got the card and knew it had to the full amount approved by the credit card company available. I hope you will look into their practices because I have never had issues like this before with any credit card
Product: Mortgage

Our mortgage lender Wells Fargo has refused to work with us regarding modifying or refinancing our mortgage. We recently sent in a request for either a loan modification, refinance, or a principal reduction due to the fact that my husband has taken a pay cut with his company in order to retain his job and we wanted to take advantage of the all time low interest rates for a lower payment and not have a interest only payment but include some principal so it is getting paid down. We have been denied at every step with Wells Fargo and it has taken from XXXX to XXXX to get a refusal. Wells Fargo did completed a temporary loan modification with us on XX/XX/XXXX with a interest only loan for XXXX years and a lower interest rate but it steps up the interest rate each year until XX/XX/XXXX where the interest rate will cap at XXXX, then will re-adjust the payment to include principal and interest. We also have a balloon payment due of {$26000.00}, that was added to the mortgage for attorney fees, late fees, and other fees by Wells Fargo because of the modification and we are not quite sure when that balloon payment is due. We now currently owe {$520000.00} on our mortgage. They did lower the interest rate to reduce the payment but we think we are worse off now then before. The recent appraisal that Wells Fargo completed in XX/XX/XXXX the house appraised for {$440000.00}. We have contacted the XXXX XXXX Financial Counselor ) to help with trying to get Wells Fargo to work with us but they have not been able to achieve any results either. We have contacted other lenders to see if we could get our mortgage refinanced but because we are underwater they can not work with us. 
The reason Wells Fargo states that they can not do anything with out loan is because they only service the loan and can not contractual make any changes to it. The loan is owned by XXXX Bank and research shows that it belongs to Wells Fargo Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous complaint I transposed XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXXrefuses to remove the information. XXXX and XXXX both removed the information. 

All three -- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-- were reporting Wells Fargo information that Wells Fargo was fraudulently reporting to them. I made payments on one student loan account at Wells Fargo. In XX/XX/2019 I asked Wells Fargo to place the account in deferment because the student was still in school. They verbally agreed, sent me a notice on their " secure email '' portal that they could do so on my XX/XX/XXXXaccount but would need to speak to others if I wanted any assistance on credit card payments. I did not need assistance with the credit cards and did nothing along that line. One dirty little secret is that WF sets up additional student loans under the same account but with " sub-account '' numbers. I made payments via the top level account. I checked my account in XXXX and the account appeared to be properly deferred and not requiring payments. Suddenly in XXXX XXXXtwo_ delinquent accounts showed up on my credit reports, both from WF. One account showed " pays as agreed '' in XXXX then 30-days-late in XXXX. The other account showed " pays as agreed '' in XXXX then XXXX_60-days-late__ in XXXX. I immediately called WF, paid everything they said was owed, and they indicated they would remove the reported delinquencies. They never did. And their " secure email '' is apparently no longer in the system and does not show up in my " secure email '' portal any more. 1. It is IMPOSSIBLE in this universe for an account to go from " pays as agreed '' to 60-days-late in a single month. This alone is FRAUD. 2. Wells Fargo buries the fact that even though you have one main account number, and make payments on that one main account number, that all of the " sub-accounts '' are reported individually. This is also FRAUD because it is like a credit card company claiming that each transaction is a separate " account ''. I had two student loan TRANSACTIONS with WF. They were paid under ONE ACCOUNT NUMBER. But reported as two accounts? And then, the one account on which I was paying goes from " pays as agreed '' to *BOTH* 30-days-late *AND* 60-days-late??? FRAUD. I talked to Wells Fargo MANY times to attempt to resolve but they refused to remove the fraudulently reported information. I disputed multiple times with all three reporting agencies. But their online dispute forms make it very difficult to explain precisely WHY the information is wrong, so it kept coming back onto my reports. I finally submitted disputes via the " other '' reason that allowed me to enter an explanation. XX/XX/XXXXremoved the information. And it has stayed off. XX/XX/XXXXremoved the information. And it has stayed off. XX/XX/XXXXREFUSES TO REMOVE THE INFORMATION. It is ALSO an impossibility in this universe that Wells Fargo allowed XX/XX/XXXXand XX/XX/XXXXto remove the fraudulent information but told XX/XX/XXXXto keep it. MORE FRAUD.
Product: Debt collection

I was notified through an email that a new Jefferson Capitol Systems account was added to my XXXX credit report. It states that I owe {$860.00} to XXXX XXXX. 
It also states the date opened was XX/XX/XXXX. However upon checking my credit report with XXXX, it stated that the account was opened on XX/XX/XXXX and that I also owed XXXX {$860.00}. I filed a dispute through XXXX immediately after discovering I was a victim of fraud and or identity theft. I hereby state that I never had an account, applied for credit, or have knowledge of ever opening an account or owing money to XXXX or Jefferson Capitol Systems who is a collection agency for XXXX. 
I further state that this action against me is fraudulent and I should not be held responsible or liable for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit
Product: Credit card

I am writing to formally dispute fraudulent transactions that appeared on my account at the end of XX/XX/year>. These transactions were not authorized by me or my authorized user, who has been incapacitated due to a medical emergency. 

To provide context, my authorized user has been XXXX since XX/XX/year>XXXX  due to a XXXX  XXXX and was undergoing treatment during the time these transactions occurred. She did not perform these transactions, and her Navy Federal card, which is linked to my account, as well as other cards ( including XXXX XXXX XXXXXXXX ), were reported missing during this period. 

Here are the details of the fraudulent transactions : XX/XX/year>XXXX  : XXXX XXXX XXXX - {$1700.00} XX/XX/year> : XXXX XXXX - {$11.00} XX/XX/year>XXXX  : XXXX - {$99.00} XX/XX/year>XXXX  : XXXX XXXX - {$590.00} I immediately contacted Navy Federal to report these fraudulent transactions and requested they cancel the charges. However, my claim was denied without sufficient explanation. On XX/XX/year>, I followed up to request proof validating the transactions, such as receipts, security footage, or any evidence gathered during their investigation. To date, I have not received any substantive response, and the responses I have received appear automated and unhelpful. I must stress that these are fraudulent charges, not disputed transactions, and I can not be held liable for charges I did not authorize. I have evidence of my authorized users XXXX  during this period and am prepared to provide additional documentation if necessary. I request your assistance in investigating this matter thoroughly and providing me with clarity regarding these transactions. If required, I am ready to involve law enforcement to resolve this issue, as I can not accept responsibility for fraudulent charges.Please let me know if you require further information or documentation to support your investigation. I look forward to a prompt resolution of this matter. 

Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX   XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX   XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, AZ XXXX MULTIFAMILY potentially negative icon Potentially Negative StatusClosed. {$15000.00} written off. 
Account TypeUnsecured Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7500.00} written off. {$7400.00} past due as of XX/XX/XXXX. 
Account TypeUnsecured Balance {$7400.00} Account Name XXXX XXXX / XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$240000.00} Highest Balance {$0.00} Terms 30 Years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill Medicare, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.