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

I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees I have been charged. Although my account had insufficient funds at the time transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue appears to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Navy Federals similar practices, where transactions were settled despite insufficient balances, even though funds were initially available. 

I believe these practices are unfair, and I request a thorough investigation into my account transactions. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

This would be my XXXX dispute letter to the XXXX ( XXXX ) major credit bureaus because my previous letters were left unanswered and unresolved. I have repeatedly advised them with XXXX  honesty that these reported accounts below were found to be XXXX  reported on my credit files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX XXXX  - Account XXXX : XXXX Kindly help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

These inquiries have been on my credit report for a while and I feel violated due to these companies having access on my report without my consent.
Product: Checking or savings account

Date : XXXX, 2023 XXXX XXXX  {$360.00} US I have been a victim of fraud by XXXX XXXX and Chase Bank, and neither organization has done anything to assist me. I received an alert on my phone on XX/XX/2023, at XXXX XXXX asking for authorization to process a transaction. I replied NO because I was not familiar with the charge. At this time, I was home with my children. The following day, I called and explained to a Chase representative what occurred. I was asked to destroy my bank card as I would be sent a new card. I did receive a new bank card. 

I was also told by the Chase representative that I would receive a credit for the two charges of XXXX that were done by someone in New Mexico, according to my XXXX XXXX history. 

A few months later, as I reviewed my credit report and my Chase transactions, I realized that I was not credited the XXXX. 

I called Chase and explained what had occurred in XXXX and that I just realized I was NEVER credited. I was then credited. A few weeks later, I realized that the credit was retracted. 
I have been back and forth with a Chase representative who has since denied the refund. 

I have also printed out a copy of the text message proving that I responded NO to the authorization of the transaction that occurred. 

I went to the local precinct and filed a police report. 


I visited a branch, sat with a chase rep, and gave him a copy of all the documents I am submitting now, with the exception of the police report, as it was not ready yet, to no avail was I helped or assisted. 

I do not appreciate the manner in which I was treated by the representatives on the phone. 

I have included with this letter. 
A police report stating that I did not approve these charges A print of the text message proving that I responded NO to the approval of the transaction A copy of the XXXX XXXX History of the two charges A printout of my call log shows that I did call Chase and report the incident, as they are claiming that there is no log of my call. 
I am asking for a refund. I responded No to the authorization of these charges, yet the charges went through. 

XXXX XXXX has referred me to Chase, and no one has helped me.
Product: Credit card

NETCREDIT made false statements to cfpb. I suspect impersonation. The ID thief who had been in frenzy of insider trading with the company is at large. The ID thief might be XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX I refinanced a home with XXXX XXXX Westar Mortgage XXXX In XXXX I got a notice saying Westar sold my loan to XXXX XXXX XXXX. In XXXX I began making payments to XXXX because that is who I thought the loan was through. In XXXX of XXXX Weststar reached out to me and said that I am two months delinquent on my payments. I did not realize the XXXX payment was supposed to go to Westar instead of XXXX. I informed Westar that I have been paying XXXX and they said it would be my responsibility to recover that payment from them. They stated in writing that I had until XX/XX/XXXX to submit the payment or they would report it on my credit. On XX/XX/XXXX I received a letter that they are reporting my account delinquent, even thought they previously said I had until XX/XX/XXXX. Payment was made to Westar on XX/XX/XXXX. They stated that they would make the correction once payment was received even though it was reported prior to XX/XX/XXXX as they had originally stated. On XX/XX/XXXX Westar was still reporting my account as delinquent. They submitted a second letter stating that they were removing the reporting. I believed this issue to be resolved. On XX/XX/XXXX I began to refinance my personal home. When credit was pulled Westar was still reporting our loan delinquent on my wife 's credit. I contacted them and they stated it was an automated error in their system. They submitted a letter stating it would be removed from her credit report. Today XX/XX/XXXX, 31 days later it is still reporting.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit report immediately. I am attaching proof that I was a victim and Equifax has done nothing to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again this complaint to TRANSUNION I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 
My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

have not received anything from the experian or XXXX  within the 30 days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C.

1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. 
The unauthorized credit accounts I am disputing are as follow : 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, unauthorized credit inquiries I am disputing are as follows : 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/year>, These inquiries and accounts were made without my knowledge or consent and should be removed from my credit file . As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from
Product: Payday loan, title loan, personal loan, or advance loan

I applied for XXXX dollar loan. I knew it would draw interest daily, but did not know I would be paying back triple for what I borrowed. I will be paying back XXXX dollars of just interest over XXXX payments. And that is entirely too much interest for a XXXX dollar loan. and thats not including the XXXX I owe them, totaling XXXX dollars. Something has to be done because this is ridiculous. You go to these loans wanting some financial help only to get riped off and put in further debt. Especially since are country is having economic crisis already and you have companies like this robbing you. Something needs to done because we are all struggling to make it.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello XXXX XXXXl has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax for the reporting of inaccurate information. My initial dispute was on XX/XX/XXXX. The dispute results came back and it was not resolved. I contacted the original creditor and they stated the reporting was done in error. I filed another dispute on XX/XX/XXXX and XX/XX/XXXX. I submitted documentation with the dispute to show this was inaccurate and they would not update my account and are violating the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I had my unemployment deposit into Venmo I guess I was trying to transfer the money out the account because I didnt receive the card they then froze my account and told it was deactivated I verified my identity I have called and chatted no one has told me anything they promise my money would be released after 180 days after 180 days I called back they said they permanently locked my account they didnt know when I would get my money I dont understand I dont want the account I just want my money its sitting for over XXXX years no explanation Im tired of this its depressing can someone please help
Product: Credit card or prepaid card

on XXXX/XXXX/XXXX, I received a text message from my Barclay bank asking me if I authorized a cash advance on my credit card for a cash advance from  XXXX XXXX XXXX for {$600.00}. I immediately called Barclay Bank and told them that I did not authorize any cash advance. They also asked me if I made a purchase at XXXX for {$9.00} also on XXXX/XXXX/XXXX. I told Barclay bank representative that I did not make this charge as well. My card was also charged for a cash advance fee of {$30.00} twice for a total of {$60.00}. I was charged a total of {$680.00} that included an interest fee of {$12.00}. I called Barclay bank Fraud department and the investigator told me that they would start an investigation. On XXXX/XXXX/XXXX I received a letter from Barclay Bank stating that I was not responsible for the charges and interest while they were investigating the disputed charges. On XXXX/XXXX/XXXX I received another letter from Barclay bank stating that the investigators concluded I was responsible for the charges. 

on approximately XXXX/XXXX/XXXX I called Barclay Bank fraud department and told them that I did not make these charges and disputed them. Barclay Bank investigators told me that they would reopen the case and perform another investigation. XXXX XXXX, I received a statement from Barclay Bank stating that I owed {$690.00} that included a XXXX service fee and a {$15.00} interest charge. Again I called Barclay Bank and the Investigator told me that the  investigation was still in process. The investigator told me that the chip was activated on the card and  since the card was not reported stolen I was most likely responsible for the charges. I told the investigator that someone must have had a card sent to their house since my card was in my office and I did not make the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only TransUnion and XXXX. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting file.
Product: Debt collection

I did not consent to authorize to nor benefit from the following account ( XXXX ). XXXX and Remove
Product: Credit reporting or other personal consumer reports

I found inaccurate accounts on my credit report today and cant understand the reason. My routine check revealed unexpected errors. I tried refreshing my browser to rule out a technical issue, but the incorrect accounts were still there. Therefore, I kindly ask for a careful examination of the documents I submitted so I wont have to deal with this problem again.
Product: Mortgage

On XX/XX/XXXX, my new year escrow starts. On the beginning of the escrow, I had a left-over cushion of {$500.00} on XXXX. My new escrow calculation is XXXX. + {$78.00}, ( the latter the negative # ), bring a total of {$1200.00}. According to RESPA, I'm supposed to have up to 2 months plus the minus default. Rocket Mortgage has been charging me for 5 years overage beyond 2 months requested for 5 years, on few occasions even changing the price of my home insurance to gather extra money on my escrow, ( ex. : in XXXX, my HOI was XXXX XXXXXXXX, they made the escrow calculation as XXXX. For 13 month I paid an excess of XXXX XXXX, every time I tried to talk to them the escrow is wrong, they dismissed me. 
I've been trying to explain to them if my cushion was supposed to be {$1200.00} on XX/XX/XXXX and they already had {$500.00} from XXXX without counting my XXXX payment, I own to them only {$760.00}. They refuse to acknowledge and they are asking me to pay the full amount or add XXXX XXXXXXXX. for 12 months. 
In XXXX, I was able to lower my HOI {$260.00} ( XXXX ), my School Taxes {$560.00} ( XXXX ) and removal of PMI {$100.00} ( XXXX ). A total reduction on my escrow of {$940.00}, I asked them why I still have to pay shortage in XXXX, XXXX, XXXX on my escrow and they refused to take it off. By the end of my year escrow was {$2200.00}, this was completely unnecessary. They eventually refunded {$1700.00}, then later asked me to give them back {$1300.00}. I told them I was going to review the numbers, it turns out they again refused to fix my HOI amount, and they increased XXXX XXXXXXXX, I told them to fix it. They didn't do it, then now they did and asking me to give another 2-month payment on the top of {$500.00}. I'm on XXXX, my SS pay isn't high for the bank request excessive payment because they don't want to make proper calculation, The only time I as late, was when XXXX took over the payments during COVID-19, the second time, they pay them the months in advanced. 
I feel that I've been discriminated and taken advantage of, because XXXX is not my native language, and is isn't good enough to argue with them. Like they told me there is no HOI XXXX XXXXXXXX and I did believe because I was ignorant in the subject. It has been a quite a while that I've been trying to educate myself about the escrow on my own and doing the calculations and search for my rights on CFBP articles, I would appreciate if I can have this matter resolved, since they are refused o do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax Via telephone, and Mail about some fraudulent accounts appearing on my credit report. They refused to delete or investigate the fraudulent accounts. I never gave anyone, or any business permission to use my information, nor have I done business with these companies. Equifax here has failed me and has placed my identity and personal information at harm. I have sustained damages anxiety, and XXXX because my credit is affected and my identity is at Extreme risk, because Equifax has failed me. Equifax has no proof that was me and was not there when the transaction took place. Pursuant to 15 USC 1641 ( a ) ( 4 ) You were unfair and reporting this erroneous information without first consulting me the consumer. Delete UNAUTHORIZED HARD INQUIRES ( XXXX XXXX XXXX, XXXX )
Product: Mortgage

In the midst of the corona virus and the care act, my mortgage company charged me a late fee as well as reporting a payment as late to the credit bureaus. I have paid all mortgage payments and was only late that one time during corona virus and Id like this removed from my credit report. 

Payment was due XX/XX/XXXX for {$2600.00}. I paid it on XX/XX/XXXX and paid XXXX on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan from XXXX XXXX XXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX ( XXXX ) XXXXfor a very close friend ( XXXX XXXX ) at the time who asked me to help him by getting a loan to help him because his credit was not good enough to take out a loan in his name and that he would pay the loan payments on time and if I could do this for him it would releive some of his financial stress for the thing 's that required prompt attention. I was not able to loan XXXXXXXX XXXX the money because financial I just didn't have it drowning in my own finances. I finally said yes because of my compassion to help other in their time of need in any way that I could and put my trust and faith in XXXXXXXX XXXX to keep his word on our verbal agreement/contract to never be 30 days and don't have lendmark call my job and he verbally agreed and promised to do as I asked which was discussed while at the Lendmark location with the loan officer.  The Branch Manager XXXX and loan officer XXXX were aware that this loan was solely for XXXX XXXX but needed my my credit to obtain the loan. I have received numerous phone calls, voicemails, and correspondence by mail in reference to late payment. The branch has been kind and helping with a solution to this problem by deferring payments and waving late fees due to XXXXXXXX XXXX being in breach of our verbal contract. It was stated to XXXXXXXX XXXX that I could afford him not making the payments on the loan, because I could not financially afford it. I travel for work up until I start my XXXX XXXX for XXXX XXXX and will no longer be able to work full-time. While between travel assignments I don't get paid and to gain the extra financial strain of this loan payment is overwhelming and unaffordable for me with everything else I'm already burdened with financially is causing me physical and mental distress. XXXXXXXX XXXX has been paying the loan since XXXX up until XXXX XXXX and just stop responding to Lendmark 's phone calls and my phone calls and text and just think that it's ok to just not pay his loan in my name because he used the money not me it was for his expenses not mine and I'm hurt and disgusted because I'm doing my best to maintain my credit so that one day I can be a first time homeowner like many others, but don't feel that the good deed I did that I should bear the burden, because they breached and violated the verbal agreement/contract to pay this loan. I would really love to have resolution from this issue and I'm begging for this loan to be forgiven because I just can't afford it and it's ruining my life with the constant phone calls and crying because I need my credit and digging myself deeper in debt by neglecting my financial responsibilities to address this loan that only belongs to me by name. I really need some help and resolution. I thank you for your time and patience and pray that things will work out for XXXX 's glory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been furnishing deceptive and incorrect address, that are being advertised. On XX/XX/2022 I sent a letter to the company, and it was sent back to me saying the address was incorrect when they clearly advertise this address on their website and XXXX XXXX XXXX XXXX
Product: Debt collection

DIVERSIFIED ADJ SVC reported a false collection on my credit XX/XX/year> This is another company did not send a collection letter allowing me to dispute this alleged debt This company just appeared on my credit report causing to lose the ability to purchase a home for my family and i Violating the fair Collection Act. These monsters appeared when i applied for a mortgage No letters No Phone calls. I never had a XXXX XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to Equifax credit reporting agency XXXX XXXX XXXX XXXX, GA XXXX knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. Per Federal Law 15 U.S. Code 1681c-2- BLOCK of INFORMATION resulting from identity theft. 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 alleged identity theft, not later that 4 business days after the date of receipt by such agency of. I have attached proof of receipts and identity theft report that was provided to EQUIFAX sent on XX/XX/2021 EQUIFAX received on XX/XX/2021. Federal Law requires you to respond in 4 business days after the date of receipt to BLOCK of INFORMATION as of today XX/XX/2021 the alleged information is still reporting on my credit report. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has the report listed as a criminal report when it is a traffic offense. It is a traffic ticket, issued to a traffic court by a traffic XXXX and adjudicated as a traffic offense by a traffic judge. The court can be contacted by phone to fix this matter. The number is on the ticket provided and hire right already has a copy. 

They refuse to do any more than look at the Virginia internet site which observes my privacy and is therefore incomplete.