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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I incurred. Despite having sufficient funds when transactions where authorized, I was charged a fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of a lawsuit against Capital One for there criminal conduct in regards to repossessions. they where to remove the delinquent status of the loan and repair the damage that resulted from " default '' status of the loan. The defaulted status has been removed but they also removed everything from my credit record meaning my credit score is now non existent which creates a problem when applying for loans. when i look on credit services such as XXXX XXXX they show some credit but when a company searches my history is does not " exist ''. I need to find out why my credit history was completely wiped.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen and misused by a company without my knowledge or permission. The following accounts must be removed from my credit report immediately because it is not my information. I have filed complaints with law enforcement and the FTC. 


Remove the following false accounts Immediately : 1 ) XXXX XXXX XXXX   {$3200.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$6000.00} XX/XX/XXXX 3 ) XXXX {$4500.00} 4 ) XXXX XXXX XXXX ( Someone Paid ) XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/XXXX. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$1200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts/ inquires cant be verified and need to removed from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. Barclays Bank Delaware : {$16000.00}. 
These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 


This is a legal request to cease and desist.
Product: Debt collection

They are calling my workplace. A representing by the name of XXXX XXXX keeps calling.
Product: Credit card or prepaid card

I have a Capitol one credit card and have had nothing but issues constantly with no help. Customer service always hang up on me and refuse to move me to a manager. The APP I use for my card refuses to set my autopay through the Capitol one checking. I recently got restricted and my account closed because of one reverse payment that was the fault of the APP and now customer service just keeps hanging up on me and refusing to help. Literally absolutely no help. Now Im worried about my credit report because I have been killing my self to keep everything perfect. I need help. I feel like Im being forced to fail.
Product: Checking or savings account

I have attempted several times with different checks of varying amounts. I attempt to cash them, and they won't becaue I have a low balance. I deposit the checks, and have been assured a few times that the funds would be available the following morning. They always end up putting a week and a half hold on my check deposits. When I have called them they tell that it's due to my low balance or account history or that they don't trust the bank it came from, and tell me there's nothing they can do about it. It seems like targeted punitive measures on low income people.
Product: Checking or savings account

Navy Federal Credit Union Charged me over draft fees around XX/XX/year>2021 2021
Product: Credit reporting or other personal consumer reports

See Attached Documents I have been montoring my credit reports due to multiple incedents of my information being included in several data breaches and my identity compromised over the last XXXX years the last one being XXXX and I have found many many inaccuracies added to my credit report and I have attempted to fix these issues through the dispute process and to no avail XXXX has not investigated my request or fix the inaccuracies I am requesting the CFPB to step in and demand these inaccuracies to be corrected immediately!
Product: Credit reporting

I submitted a dispute to Equifax for inaccurate information. This inaccurate information included wrong personal information, obsolete public records and inaccurate collection information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 Collection/Chargeoff from XXXX XXXX with a balance of {$1700.00}, XXXX XXXX with a balance of {$270.00}. XXXX XXXX  with a balance of {$3200.00}, XXXX with a balance of {$10000.00} and XXXX  with a balance of {$6400.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX 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: Money transfer, virtual currency, or money service

I have sent a totally of {$1400.00} & {$200.00} through XXXX. A girl was doing some type of cash investment to earn {$2500.00} if I did everything she had ask for. Her name on XXXX is XXXX. Ive reported on XXXX that it was a scam & I called my chase account as well. The reason I fell for it is because I needed the money for bills and rent. It is not cheap living in XXXX XXXX. Chase couldnt help me retrieve my money & XXXX  denied me as well. This happened XX/XX/XXXX, Ive been calling non stop & they told me to wait. Until yesterday they finally said they couldnt help me. Because of this scam I worked my XXXX off to pay my bills and rent. Ive messaged the girl to return my money & but she didnt. Ive been with chase for years & Since chase didnt help me I am closing the account when I get the chance to at the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account 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 instructions Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian
Product: Checking or savings account

I am having a problem with identity theft and people trying to XXXX XXXX to be me, I have no idea. This is horrible to go through. All my financial and federal reserves where scammed and everything I owned vandalized i have been through 14 states begging for my life. 
This complaint A man named XXXX XXXX had me on his bank of america account which I never said okay to, and I found a debit card. I have no idea. I contacted the bank I went there and they said they couldn't give me any information
Product: Debt collection

Dates beginning middle of XX/XX/XXXX and then XX/XX/XXXX and XX/XX/XXXX I keep receiving calls from a Synchrony Bank ( robo call ) stating to call them at phoneXXXX I do not owe a debt. I do not have a credit card with them. I called them and was transferred to another number. I then talked with a man and stated I do not owe a debt. He said he would stop calling. But the calls keep coming. I have not received anything in writing stating I owe a debt ( because I don't ). I believe they are trying to scam me. I am a XXXXXXXX XXXX senior citizen. They called my before XXXX eastern time- about XXXX every time. Years ago I had a credit card with XXXX serviced by/under Synchrony Bank but do not now and all credit card bills were paid off. I do not appreciate them continuing to call me especially since I am in mourning about the passing of my older brother ( I was not the executor of his estate. ) I checked the internet and their number comes up as an online bank that scams people. Several people have had the same experience as I am having now ( robo calls then being transferred to another call, claims of owing money on a nonexistent credit card, etc. ) Please make them stop calling me. Thank-you very much for your assistance in this matter.
Product: Mortgage

I'm in the process of selling my home and received a payoff letter which lists a Total Corporate Advance amount of {$1000.00}. I sent an email request on XX/XX/XXXX requesting an explanation of this fee. I received an email with a letter stating " per the terms of the contract, the lender may may necessary expenses in order to protect its security interest in the property. The lender may then seek reimbursement from the customer. Unless arrangements are made, failure to pay the expenses may constitute a continuing default under the terms of the contract. Please find attached a copy of the advances to the account made on your behalf. '' I called Ditech 's customer service department at XXXXXXXX XXXX on XX/XX/XXXX and spoke with XXXX. I explained that none of the transactions add up to the amount listed on the payoff. I had filed Chapter XXXX bankruptcy in XX/XX/XXXX. The mortgage was sold to Ditech ( known as XXXX XXXX at that time ) in XX/XX/XXXX. The bankruptcy was discharged XX/XX/XXXX. XX/XX/XXXX directed my most recent mortgage payment from the principal, interested and escrow, reversed the payment and applied it to corporate advance repayments at that time in the amount of {$1900.00}. It was then necessary for me to make an extra mortgage payment. I contacted Ditech in XXXX via email and phone and had no resolution. I should have continued to fight and question but I seemed to be getting a runaround from the various representatives I spoke with. XXXX submitted a verbal request and it would take up to 30 days to receive a response. I don't have 30 days to wait from today XX/XX/XXXX as this house is going to settlement on XX/XX/XXXX. I need this resolved as quickly as possible. 

I find that this additional corporate advance repayment fee listed on my payoff letter to be highly unreasonable, especially since my chapter XXXX bankruptcy was discharged 14 months ago and Ditech didn't even originatet the mortgage. 

I would like to have this unreasonable fee removed from my payoff. I question Ditech 's ethics and the competence of their accounting procedures.
Product: Credit card or prepaid card

After reviewing my credit report I noticed that an account with target cred/Td bank was added to my credit report I have never authorized a credit card to be opened with this company nor have a I have anyone permission to open an account. This account is fraudulent and I am a victim of identity theft.
Product: Debt collection

I filed a previous CFPB complaint ( XXXX ) describing both a potential FDCPA violation and a realized FDCPA violation. Rent Recovery Solution 's response to this complaint only addressed the lesser, potential violation. I am repeating the complaint to get a response to the actual FDCPA violation which occurred on XXXX XXXX, XXXX. 

I received initial communication from Rent Recovery Solutions in the form a letter dated XXXX XXXX, XXXX XXXX no postmark present ). This letter did not include verification of the debt. On XXXX XXXX, XXXX, I replied via certified mail with return receipt asking for verification of the debt and to consider the debt in dispute. Per the return receipt, my dispute letter was received by Rent Recovery Solutions on XXXX XXXX, XXXX. I was called by Rent Recovery Solutions on XXXX XXXX, XXXX. I did not receive a verification letter until XXXX XXXX, XXXX. The verification letter is dated XXXX XXXX, XXXX and postmarked XXXX XXXX, XXXX. Because Rent Recovery Solutions knew the debt was in dispute and had not even sent verification, the phone call on XXXX XXXX, XXXX was in violation of FDCPA.
Product: Mortgage

Class action suit against swells Fargo for loan modification and improperly handling account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter dated XX/XX/XXXX to have inaccurate items removed from my credit report. it was Document # : XXXX Those items were XXXX XXXX XXXX and XXXX self reported. Those are items I do not recognize. They could possibly be a result of Identity theft. XXXX has not provided the method of assessment to indicate that those items belong on my credit report and therefore they must be removed. 

I would like to have the negative and inaccurate items mentioned above, removed from my credit report immediately because it's causing me financial injury and it's extremely difficult to acquire credit.
Product: Student loan

1st, Sallie Mae sold/handed off my loans to Navient, without my knowing/consent. 
2nd, On multiple occasions, when trying to get Navient/Sallie Mae to put my student loans in deferment status they decline. Saying that this is not something that they can do and that the payment plan they have me on is the lowest they can go. That there is nothing more they can do for me and my economic hardship.

3rd, When I was unable to make the minimum {$230.00} payment/mth. They harassed me saying that they were going to get their money. Called me a deadbeat and scum for not making my payments.

4th, When I was financially stead enough to make payments, they wanted an absurd amount upfront.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ( XXXX ) requested that XXXX and XXXX remove this account from my credit consumer report via certified mail number XXXX XXXX XXXX XXXX XXXX FAIR COLLECTION & OUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MD XXXX contact number XXXX to send me the original contract that shows that I have a contract with this company and provided my wet ink signature showing that I have entered into a contract for this company to collect any debt. this company is in several USC violations for false reporting USC 15-6802, Title 18 USC 241 , UCC 9-210 15 USC 1681, 15 USC 1601
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.
Product: Checking or savings account

On XX/XX/XXXX, a check that had been stolen from the mail was washed, altered and deposited. XXXX XXXX XXXX  was the depositing bank, PNC ( my bank ) was the paying bank. The check was originally made out for {$670.00} and the altered amount was for {$9700.00}. I reported the problem to PNC on XX/XX/XXXX. An affidavit was completed and notarized at PNC. The form was sent to their XXXX Department. The XXXX reference number is XXXX. 
I received 2 calls from XXXX XXXX XXXXXXXX, XX/XX/XXXX and XX/XX/XXXX, to confirm that this check was fraudulent. 
As of today, XX/XX/XXXX, PNC has not notified me of any action taken or resolution. I have called the XXXX department phone number, XXXX, at least 4 times with no return call. Their message says they will return the call within 2 business days. I soke with XXXX in the retail customer support on XX/XX/XXXX. He told me that the investigation is still ongoing and could take up to 90 days. I call him again today with no return call. 
we are now over 90 days and there has been no resolution. 
After I reported this, 3 more checks hit my account but I reported it to PNC the same day and they where able to spot payment on those.

I don't know who to ask or how to get help on this matter. Please advise. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2019 notifying Transunion that there was fraudulent information on my account and asked that the fraudulent account, including related inquires, be removed from my account. I received a XX/XX/19 credit report from Transunion. The fraudulent account had been removed. However, there are still three related inquiries that have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

XXXX. XXXX XXXX Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Debt collection

I XXXX XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2012. A consumer credit transaction that involved a finance charge. 
15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash. The finance charge is also supposed to include insurance but Navy Federal Credit Union made me purchase insurance separately. Navy Federal Credit Union is supposed to provide me the right of rescission according to 15 USC 1635. This is a consumer credit transaction and Navy Federal Credit Union did not clearly and conspicuously disclose this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

https : XXXX USBANK states mobile deposits are available. but usbank states the features are unavailable.