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

I am submitting a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Although I had sufficient funds in my account at the time transactions were authorized, I was still charged overdraft fees due to delayed posting of charges and credits. This issue appears to be consistent with recent findings by the CFPB, which highlighted similar practices by Navy Federal, where transactions were processed with insufficient balances despite available funds at the time of authorization. I consider these practices unfair and request a thorough investigation into the handling of my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$760.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Debt collectors from TRS recovery calls you without identifying they are from debt collector. They identify themselves by their name and ask you to confirm your name. Once you confirm your name, they ask you to confirm your address. I refused. They said its to discuss an account with TelCheck. I told i do not know any account, i do not know them. They keep talking without disclosing they are from debt collector. I guessed it, because i previously received a letter from them. I think the communication tactics done by TRS recovery is illegal. At no point in the call, they said they were a debt collector. They are trying to trick people without telling they are a debt collector
Product: Vehicle loan or lease

I acquired a loan for a XXXX XXXX XXXX on XX/XX/XXXX. I signed on contracted on XX/XX/XXXX which was dates for XX/XX/XXXX. On that particular contract, I had XXXX on that contract. The dealership ( XXXX XXXX XXXX in XXXX, alabama ) called me and had me to allegedly sign another contract, which was dated XXXX, but time stamped for XX/XX/XXXX at approximately XXXX XXXX. On that particular contract the sales person stated that he accidently left it off. My signature isn't on neither contract. I have full coverage insurance and I had a mechanical breakdown and and electrical issue with the vehicle and it's in operable. My insurance company paid approximately XXXX and the pay off is approximately XXXX the salesman at the dealership lied to me about being able to refinance the loan if I had went along with Prestige Financial. My signature was copied and pasted onto the contract. I don't have one piece of the contract whereas I physically signed on that contract.
Product: Credit reporting or other personal consumer reports

There's 18 hard inquiry in my credit I didnt authorize and no actions were taken by none Sams club 5 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX TJX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX amazon XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2022 I received a summons to appear form XXXX XXXX XXXX XXXX represented by Blitt Gaines PC. I never received a notice that I could dispute this debt.
Product: Debt collection

This Debt Collector continues to report to all XXXX Credit Bureaus that I owe them when in fact this debt was taken care of by the original creditor via a XXXX. 

XXXX is also reporting the incorrect date on SEVERAL accounts as the " Account Open '' date as of last year ( XXXX ) when in fact these accounts were opened in XXXX to XXXX and are ALL past the Statue of Limitations and are about to be either removed by the Credit Bureaus OR are about to turn positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a chapter XXXX bankruptcy. The account XXXX XXXX with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through XXXX several times.
Product: Student loan

Hello, I am filing a complaint against my federal student loan servicer, MOHELA. My student loans have been serviced by MOHELA for a number of years now and I have consistently made my payments which has recently increased to {$780.00}. When I enrolled with MOHELA for online payments, I provided my cell phone number as the means to contact me and I have not changed that number, nor have I given MOHELA any indication that my cell phone number was not the best number to reach me at. I have called MOHELA from that number, as well as received calls from MOHELA from that number. On Thursday, XXXX XXXX, 2016, when my loan was only 21 days past due, MOHELA call my in-laws and left a message about my student loans at their residence. Of course my in-laws immediately called my husband to inquire as to what was going on and whether my student loans were behind, which is clearly none of their business. I immediately called MOHELA and spoke with a representative. The representative indicated that while my cell phone number was still listed as the primary number, that my in-laws phone number had been added through skip tracing. I was horrified that MOHELA would have gone through skip tracing measures on a 21 day delinquent account and when there was already a good number on file. I have never lived at my in-laws address, nor have I ever been associated with their phone number. I am in-house counsel at a mortgage company and I understand fully how this process works. My situation did not warrant the measures MOHELA took. MOHELA has violated the FDCPA by communicating with a third party about the collection of a debt without my consent. I demand that MOHELA pay me a civil penalty in the amount of {$1000.00} that I would be entitled to if I brought a civil action against them, which I would not hesitate to do. At this time, my student loans are current. The {$1000.00} can be applied towards my XXXX payment and the remainder towards my XXXX payment. I also demand that my account be coded to avoid any further skip tracing. Skip tracing is not necessary, the number I have provided is the correct number, and the status of my student loans is nobody else 's business but my own. I am a full time working mother and would like to avoid the need to pursue a civil action, but if this matter is not resolved as requested, I will not hesitate to file XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I purchased a couch at XXXX XXXX XXXX XXXX using their store credit Fortiva. When signing up, I was told I would not be charged any interest for a year. I was in an unexpected motor vehicle accident and was out of work and I was late making payments. I received my statements from Fortiva and seen I am being charged interest. I called and spoke to a representative and was told because I missed 2 on time payments that the whole contract was canceled and I'd now be charged interest every billing cycle. This was not told to me at time of purchase. I have no problem paying late fees I take XXXX XXXX accountability for late fees but now I will be charged extra every month and it was never explained to me as such which I feel is extremely misleading & unfair. Their interest rates are XXXX XXXX so now it will take longer and spending more money to pay off this debt. If someone could reach out for some guidance I'd greatly appreciate it. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/year>. On that day, I contacted Westlake and was informed that the total amount required to cure the loan and retrieve my vehicle was {$1000.00}. I was explicitly told by your representative that no additional fees would be incurred. I paid this amount in full and successfully retrieved my vehicle the following day XX/XX/year>. 
Lack of Notice : According to XXXX state law, I was entitled to receive a notice of repossession at least XXXX  days before XXXX XXXX days after the repossession via certified mail. I did not receive any such notices, which is a clear violation of the state requirements. 
Unacknowledged Charges : I subsequently received a bill that included additional charges of {$150.00} and {$220.00}, labeled as repossession fees. I was not informed of these fees either before or after the repossession, nor was I provided with a breakdown of these charges. As per XXXX law, these fees can not be imposed without proper notice and a detailed explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( Equifax ) a fax containing my FTC reports on XXXX. I called the reporting agency on XXXX to confirm that theyve received my faxed documents which contained all three ( 3 ) of my FTC reports. During my call with the reporting agency, I spoke to XXXX ( supervisor in the fraud department ) and he provided his employee ID # : XXXX. XXXX confirmed that my faxed documents containing all three ( 3 ) of my FTC reports were received on XXXX. XXXX also informed me that the reporting agency deemed my FTC reports invalid. I asked why were my FTC reports deemed invalid. His response was, because there are more than XXXX ( XXXX ) accounts being reporting on my FTC report. I then, notified XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have XXXX accounts or fewer on each of them as I described below : FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX  XXXX XXXX accounts, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX SERVICES accounts. 
FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX FUNDING accounts, and XXXX ( XXXX XXXX XXXX XXXX  accounts. 
and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX ignored what I was telling him and chose not to investigate the problem any further. I do not agree with the reporting agency decision/ findings as it is deemed inaccurate.
Product: Checking or savings account

On XX/XX/, I deposited a Cashier 's Check in the amount of {$5100.00} into my Fifth Third Bank personal checking account. When I checked my balance on XXXX XXXX XXXX I found that the cashier 's check deposit was not reflected in my account balance. I called the Fifth Third Bank and spoke with a supervisor to ask why the amount had not been credited to my checking account. He said that the Fifth Third Bank had placed a hold on the cashier 's check. I have reviewed Fifth Third Bank 's published deposit policy which states that a cashier 's checks are to be available to a depositor within one business day. 

My checking account with Fifth Third Bank has been in existence for over 30 years. 
I would like your help in resolving this issue.
Product: Checking or savings account

XX/XX/2022 my account was closed without any notification because my account was charged the XXXX fee for having the account and there was only XXXX in the account so they just automatically closed it and I've had the account for 13 years and anytime the fee is charged next time you add money ot takes the balance off instead of just closing without notice or notice that the debt needed to be paid I called and they said oh well its our new policy and the new policy was never mailed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
Product: Debt collection

DEBT IS STILL SHOWING AS AN ACTIVE COLLECTION ACCOUNT - SUBMITTED DISPUTE W/ CREDIT REPORT. CONTACT THE DEBT COLLECTOR WHO STATED THEY COULD NOT DO ANYTHING ELSE. - EVEN THOUGH VERIFIED DEBT IS PAID IN FULL. MONTHS AGO.
Product: Credit reporting or other personal consumer reports

A company named Sequium Asset Solutions put on my credit report that I am in colletions for {$1200.00}. 
I do not owe anybody any money. Looked them up on internet and they are a scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts and Inquiries on all three credit reports.
Product: Credit card

My issue with Fifth Third Bank started when I closed my three accounts ; Checking, Savings, and Credit Card. I was instructed by the bank to do the following : Pay off the credit card balance from the checking account. 
Wait for the transaction to clear. 
Transfer the savings balance to the new bank account. 
Transfer the remaining checking to the new bank account. 
Before I transferred the checking to the new bank account, the banks auto bill pay withdrew {$710.00} to pay that months credit card statement balance. Their system failed to check to see that there was a zero balance. I asked the teller what to do about this and she said to just transfer the {$710.00} back to the checking account, which I did. I then transferred the checking balance to the new bank account. 
However, Fifth Third Bank treated this as a cash advance and charged me {$35.00} cash advance fee. I called the bank many times trying to stop this and to close the account. But they continue to charge me late feres which are mounting. I have tried to talk with their foreign speaking agents but they keep say I still have to pay the balance of {$150.00}, which continues to mount up.
Product: Bank account or service

The bank deducted over draft fees when the money was in there to cover the checks that came thru. 
They had the nerve to prdate the fees to when the check actually came in. 
This is more than deceitful but crocked!! 
I wonder just how may people they do this to every day??
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a cash advance on my XXXX XXXX XXXX credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted XXXX  XXXX XXXX and XXXX and received poor treatment and a total failure to explain why such a massive impact to my credit.
Product: Credit card

Approximately 2 weeks ago, XXXX Credit Bureau contacted Synchrony Bank regarding my credit card accounts, and allegedly provided information from myself stating all of my accounts provided by Synchrony Bank were fraudulently obtained. In turn, Synchrony Bank placed a restriction on my accounts & closed my most recent account, which totals approximately XXXX different retail cards. I 'm having an issue with receiving the CORRECT information on how to lift this restriction, as I am being told different, conflicting information EVERY single time I contact this company. I was first told I could verify my identity by text message being sent to my cell phone, then this changed to me calling from my cell phone number, then this changed to me calling from my landline because my cell phone number could not be verified as being owned by me, then this changed to me calling from my cell phone number but receiving an automated message for verification, then this changed to me sending documents via postal mail to verify my identity, then this changed to faxing these documents to a specific number. I have logged over 50 calls to this company 's credit card services, and as of today, Friday, XXXX XXXX, 2016, Synchrony representatives have yet to receive the documents I mailed AND faxed, leaving me open to facing possible ACTUAL identity theft since I have mailed and faxed personal identification documents to phantom mailing addresses & a fax number that allegedly have n't been received. While I can understand Synchrony 's action of restricting accounts until verification, the amount of incompetence and stress I am having to deal with to rectify this situation is absolutely HORRID!! It took them minutes to restrict my account, however it will take me-according to each representative-14 to 21 days to reinstate my accounts, which is utterly ridiculous. I know for a FACT that whatever alleged proof Synchrony Bank has from XXXX will NOT include ANY account I currently have with them, so that allegation itself is FALSE, as I opened each account in good faith and truth. It would not make sense for me to say an account is fraudulent when I have actually even used each credit card account issued. I need this issue rectified with the same swiftness used to restrict my accounts.
Product: Mortgage

I have repeatedly requested the FHA MIP be removed from my mortgage since XXXX/XXXX/XXXX when my home loan went below the required 78 % LTV. Everytime I 've requested the removal, I received a denial letter. I requested it again in XXXX XXXX, again receiving a Denial letter. Then, a few weeks later, I received an apology letter stating that the MIP would be removed. I requested that the repay the MIP amount that I had paid since the first request in XXXX/XXXX/XXXX, that was denied. So, they have now removed the MIP, but I was forced to pay it for a year beyond what was necessary.
Product: Credit reporting or other personal consumer reports

I received a copy of the credit report that I requested from Transunion. Upon further review, it appears that XXXX is still listed on my account. This account was disputed along with a collection that was placed on my account from XXXX XXXX. They participated in illegal debt collection practices by adding the collection to my report without first sending me a letter stating they were collecting on a debt. They also reached out to members of my family and disclosed the debt. I requested additional information regarding this debt from both XXXX XXXXn regards to account XXXX and XXXX  XXXX  and never received documentation supporting their claims. This account was opened fraudulently on my account, and to date still has not been removed. The collection account was closed and removed because they did not have supporting documentation and they participated in legal practices, while XXXX XXXX XXXX XXXX emails trying to collect on this same debt, even though XXXX XXXX stated they owned the account. On my credit report, in the remarks it states the account was transferred to another lender, however I still have not received any documentation and it has been over XXXX months.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. 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. It also states a consumer reporting agency can not furnish an account without my written instruction. 
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