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 transactions were authorized. I was charged fees due to lagged posting of charges n 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

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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: Credit reporting or other personal consumer reports

For several years I have repeatedly tried to access my Transunion report online, to dispute, freeze credit etc. They won't fix the problem and I can't access any of my information. No one will help me. I have repeatedly, called, chatted etc. Initially I was told it was because they were using XXXX ( nickname ) instead of my full name XXXX. I sent in all the proper documentation and my report has been updated but I still can't access any of my information. I have a Transunion account online and every time i try to access anything it tells me Sorry we can not complete your request online. No one will fix the problem and this has been going on for XXXX plus years. We are in the process of shopping for a house and I freeze/unfreeze my credit reports often. I need access to my account and MY information! Please get someone to actually fix this!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issues with my credit report dispute, which remain unresolved despite multiple attempts to resolve the matter. Specifically, I submitted dispute information to Experian via the CFPB Complaint Portal on the following dates : XXXX, XXXX, XXXX, XXXX, and XXXX. Unfortunately, the issues raised in my dispute have yet to be appropriately addressed. 

Experian 's Failure to Properly Investigate Dispute : On XXXX, I received a communication from Experian requesting more specific information regarding the dispute. However, if the dispute had been adequately investigated when initially submitted, Experian would have resolved the matter without requiring additional details. The issue was clear from the outset, and Experian should have investigated and ceased reporting the disputed information as required by law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : If Experian is acting as a debt collector in the context of reporting negative or disputed information, I must remind you that Experian is required to follow the rules outlined in the FDCPA. This includes ensuring proper debt validation, avoiding deceptive practices, and handling disputes in accordance with the law. 

Experian 's failure to : Ensure Proper Debt Validation Failure to provide adequate proof of debt, or to verify the accuracy of the information being reported. 
Investigate the Dispute in a Timely Manner Experian has failed to investigate my dispute promptly despite clear evidence and repeated submissions. 
Remove Unverified or Outdated Information The failure to remove unverified or outdated information from my credit report constitutes a violation of the FDCPA. 
Provide an Adequate Dispute Process The repeated requests for additional documentation and delays are unreasonable and go against the FDCPA guidelines. 
Possibly Mishandling My Personal Data Experian 's failure to protect and maintain my data in a secure and efficient manner is a cause for concern. 
Negligence and Willful Non-Compliance : Experian 's actions or lack thereof demonstrate negligence and willful non-compliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following violations of these statutes have occurred : FCRA Violations : Section 607 ( b ) of the FCRA : Reporting inaccurate information on my credit report.

Section 611 of the FCRA : Failing to correct or remove inaccurate or incomplete information after I disputed it.

Section 605 of the FCRA : Failing to remove outdated or unverifiable information from my report.

Section 607 ( a ) of the FCRA : Reporting information that does not comply with FCRA standards.

Section 611 of the FCRA : Failing to investigate my dispute properly and provide a response in a timely manner.

Section 604 of the FCRA : Sharing my credit report information without my consent or without a legitimate need.

Section 609 of the FCRA : Failing to provide me with a copy of my report or the sources of the disputed information upon my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA. The accounts are XXXX Bank, XXXX Bank, XXXX XXXX Bank and XXXX XXXX XXXX. All accounts have been removed and reappeared at least twice!
Product: Debt collection

I received a notice from my employer that I will be garnished the next pay cycle by MCR receivables  Corporation represented by attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX mi XXXX. The writ for garnishment was furnished by my employer on XXXX/XXXX/XXXX and my paycheck was garnished on XXXX/XXXX/XXXX. I never received a notice from the company and I do not know what the debt is for and was never given the opportunity to confirm the debt belong to me. It shows on the writ that the collection agency sent the original judgment to an old address that I have n't lived at in 10 years. 

The writ states : Plantiff received judgment against defendant for XXXX on XXXX XXXX, XXXX. The amount of unsatisfied judgment is XXXX. 

It does not state on the writ what company is demanding payment. At this stage I am being garnished for a debt that I know nothing about. 
To date the following amounts have been garnished from my paycheck : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

PayPal prepaid. I purchased the card 3 months ago from XXXX. I called to activate the card. Something happened on the automative recording. It says it's in another name. Well it shouldn't be. But even if it is the card should be limited use. The card is non active and I've gave netspend fraud department my identification and the info they needed more than five times. As well as PayPal prepaid. They give me all types of problems. Everything I call.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Charged-Off Accounts from Credit Report Complaint Details : This is a formal demand for the immediate removal of two charged-off accounts that are inaccurately and unlawfully appearing on my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX Both accounts have been charged off by the creditors, and under IRS regulations, the charge-off amounts are considered taxable income. The debts have been satisfied in accordance with federal tax law. Therefore, any continued reporting of these accounts as unpaid is not only misleading but outright deceptive and in violation of the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 

The failure to correct this misinformation is causing significant and unnecessary harm to my financial reputation. Let me be clear : this is a violation of my rights as a consumer, and I will not tolerate this negligence any longer. 

Attached to this complaint is a Federal Trade Commission ( FTC ) affidavit. 

Resolution DEMANDED : The immediate and permanent removal of the two charged-off accounts from my credit report by all reporting agencies. 
Written confirmation that these accounts have been removed and that my credit report is fully accurate and reflects the resolution of these debts. 
Should this matter not be resolved promptly, I am fully prepared to escalate this case further, including filing additional complaints with other regulatory agencies and pursuing legal action if necessary. 

Attachments : FTC Affidavit. 
This matter requires your urgent attention. I expect a response within four days as per FTC. Thank you for addressing this issue promptly and appropriately. 

Sincerely, XXXX XXXX
Product: Mortgage

dear sir/madam : I am fed up and sick to my stomach from hearing and reading about equal opportunity and anti discrimination laws for the last twenty years since I came to this country. after many many incidents over the years, this is the latest incident : I send full application for home refinance to elend.com ( new jersey ), on XXXX within 2 days they provided the credit report from XXXX agencies with score of XXXX, and accepted the income requirements and sent someone for appraisal and charge me {$420.00}. for four weeks after that I was sending emails and making calls with no result. on XXXX they called me asking to provide 1- statement to explain why I got my social security card on XX/XX/XXXX ( the time I came to USA ), 2-documents from XXXX party CPA accountant to show the XXXX for past years although I provided them with complete tax returns from my accountant with there name and signature and contacts. 3-wait for additional possible requirements, although the application was sent with over XXXX pages that include every piece of information any lender would ever ask for. when I got angry about that they called next day to tell me they withdraw the application. up to this moment I have not got copy of the appraisal, and I called the guy who did it, and he said they should give it to me not him.
Product: Mortgage

Green tree was initially my mortgage company ok? Then they sold my account to ditech. And then Ditech filed for bankruptcy protection. And so now I have Shellpointe Mortaging Service. So when I was switched in XXXX of 2020 my account was current and up to date .And so now shellpointe has an old attached balance of XXXX plus our regular payment of XXXX which we are current on and pay every month. We have reached out to XXXXhellpointe many times to no avail. We have even gone as far as sending several documents twice to them. No help Shellpointe tells us they can not dismiss this. Ditech told them we missed insurance and escrow. I did not even ask for escrow. And the insurance was current as of XX/XX/2020. So Our statement shows us continually behind and we certainly are not. And even in XX/XX/2020 we paid Ditech XXXX to catch up what they said we behind on .sent ALL the receipts to Shellpointe, no one has been able to help Us! Please help us if you can!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I also have no association with these accounts you blatantly ignored my FTC report you are violating my federally consumer protected rights.

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

- 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 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 Provide the description of the procedure of the investigation used to verify these accounts if you cant, delete the accounts immediately. Failure to do so will result in me contacting the attorney general and filing a law suit. 

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Also I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). 

These accounts are incomplete and not accurate. Not belonging to me. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX CORRECT ALL PERSONAL INFORMATION YOU FAILED TO EVEN DO THAT LAST INVESTIGATION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes it is me disputing no one is representing me at this time.
Product: Debt collection

i am unaware of this debt i didn't have the opportunity to dispute this debt. i did not receive proper notification of this debt. if in fact you believe i received proper notification please provide me the certified receipt with my signature proving i received the notice. 

if in fact you bought or received the assignment of debt from a third party or the original creditor claiming i own the debt, please also include the assignment of contract
Product: Vehicle loan or lease

I recently purchase a XX/XX/XXXX XXXX XXXX XXXX XXXX from XXXX auto sales XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I received ZERO paperwork when I called them to get the paperwork, they refused to give me the paperwork. We havent received any disclosure. They ( dealer ) also told the finance company I put {$4500.00} dollars down when I only put {$3000.00} dollars down. Also after driving the vehicle for 8 days it will not crank up and I had a mechanic to look at it and the mechanic says it need injectors {$2500.00} in parts and labor.
Product: Credit reporting

The above is what was issued for the report-case number. 

XXXX had reported an account through various agencies for over 7 years. My XXXX count was closed in 2007. I have disputed this and had it removed before due to age and they have sold this debt and reported it for close to 9 years for over 400 dollars. Now under pinnacle for {$460.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX  XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

I was given 2 prepaid cards valued at {$100.00} each from American Express Prepaid Gift Card,  Prepaid Card Management, XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX, with an expiration date of XX/XX/XXXX. I believe I received them in 2018. They contain a $ XXXXmonth service charge and so, when I went to use them, they had no value. That warning about the fees is in small type ( 6 points? ) and barely visible on the card. I have tried contacting American Express and they say that the $ XXXX month fee is legitimate and so, after 30 months, they cards have no value. Are there no consumer laws protecting us on this? The monthly-fee advisory is not prominent on the card and the card are valid until XX/XX/XXXX, they say. 

XXXX XXXX XXXX, AZ XXXX XXXX
Product: Credit card or prepaid card

Purchased of {$15000.00} to XXXX XXXX  on XX/XX/XXXX with an American Express Card. 
The FTC has filed suit in Federal court and shut down XXXX XXXX and all of their phony affiliates on XX/XX/XXXX, due to fraudulent practices, resulting in an interruption of services for the service we purchased. XXXX XXXX violated the Federal Credit Billing Act codified 15 U.S.C section 1601 Truth in Lending Act that protects consumers from unfair billing practices. 
Many calls to American Express to find a solution to get down APR when I did not know it was a fraudulent practices. 
Transfer account to a new credit card with XXXX  XXXX XXXX - suggestion of American Express. I call on XX/XX/XXXX to American Express to let know I have this situation of spam and they tell me they can not help at this time, because they do not see the purchased on the computer system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 - I sent a communication through the XXXX XXXX, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. 

I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.
Product: Credit card

I have closed a credit card account because i havent had use the credit card for a year and the company started charging monthly account fee. Since Ive had closed they started charging me interest on interest, claiming that the last charge before the account was closed wasnt paid. The big problem is that the interest they are charging me is XXXX XXXX and when I tried to resolve the issue with them, they simply said that I have to pay the full amount. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of the Pandemic, XXXX XXXX offered us the option to " pause or skip '' 3 payments under their Covid Forbearance & Cares Act program as most lenders were offering similar pandemic assistance. We were assured by the representative that this would NOT affect our credit. Months later, we decided to sell our home. Once we paid off the loan in full, XXXX XXXX decided to report over 6 months worth of late payments! Our credit scores dropped over 150 points due to this error! We are now forced to rent until our scores improve to purchase another home. My wife & I need our payment history to be updated and reported as on-time/perfect to all 3 credit bureaus ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection from XXXX XXXX XXXX in the amount of {$58.00} on my credit report. This information was previously reported by XXXX XXXX, and subsequently deleted after I disputed it and filed a complaint. 

Since the reinsertion, I have not received a notification of the information 's reinsertion, as required by the Fair Credit Reporting Act, 611 ( 5 ) ( B ) ( ii ) - ( iii ). The information has been on my report for longer than the 5 business days after reinsertion mentioned in 611 ( 5 ) ( B ) ( ii ), and I have not received any information from Experian and I was not provided any information listed in 611 ( 5 ) ( B ) ( iii ) ( I ) - ( III ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.