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 that I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX notified me that my address was changed with equifax today. the change took place on XXXX. i have not moved and suspect this is identity theft. please have equifax restore my address, which i have lived at for over 30 years. I would also like a copy of the request that generated the address change so that i can file a police report lock my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a screen shot that shows the incorrect address,
Product: Payday loan, title loan, or personal loan

XXXX XXXX called my phone told me that I was approved for and loan gave him my account information and he attempted to deposit a fake check into my account
Product: Credit reporting or other personal consumer reports

lease discard these inquiries. I lack any relevant information on this issue, and the company acted without my approval.
Product: Money transfer, virtual currency, or money service

I have an account with coinbase. I had money ready to be withdrawn to my debit card. According to coinbase if you decide to get the Amount on your debit card it is sent there instantly. This was completed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have it available in my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, I purchased a wig from XXXX XXXX for {$1400.00} using my PNC debit card ( cash ). I realized the wig was of very low quality and returned the wig to XXXX XXXX on XX/XX/2022. The owner refused to provide me with a refund. I left the wig with the owner and told her I would submit a dispute with PNC bank. I submit several requests to PNC and they have refused to credit my cash back to me stating the 90 time period has expired. I've spoken to several PNC reps and was never informed of a 90 day timeframe. As a matter of fact the last dispute form I received was mailed to me in XXXX and I faxed and emailed it back to PNC. I've been told several times by the many reps I spoke with that it would be taken care of. As of today, there has been no resolution.
Product: Mortgage

Bank of America and their representatives, including XXXX XXXX, have engaged in the practice of distribution and sharing financial, personal, private, and privileged information contained within the borrower Home Loan Modification Status iportal, My Documents tab page with external users without my permission or consent. It is this long established Bank of America practice that has allowed for the destruction of documents and documentation related to my home loan mortgage account. 
This on-going conduct on the part of Bank of America and their representatives is, in part, the reason I have ha to lodge over sixty ( 60 ) CFPB Complaints regarding Bank of America 's handling of my home loan mortgage account records throughout the loss mitigation and modification processes and have been incorrectly denied a MHA HAMP, MHA HAMP TPP, and incorrectly forwarded to foreclosure. 
There is simply no way Bank of America can come up with an explanation for such errors in processing and handling upon complete and independent reviews of the mortgage and service records for which decisions are based and made. The whole reason for such reviews are to ensure any action taken on an account are based on the complete and current record resulting in accurate and correct decisions. This simply has not been the case in this instance throughout the modification and loss mitigation processes to date as evidenced by the multitude of errors in processing, procedure, law, regulations, and guidelines. In other words, these errors have not been due to Bank of America representative and employee lack of knowledge of specific procedures required in the performance of their duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nearly 60 days. I have sent Experian a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that Experian is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked Experian to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. Experian has failed to provide me with the required information for me to dispute. I believe Experian is intentionally lowering my score because of my ethnicity. For Experian to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent a letter certified mail and it was received on XX/XX/XXXX it has been well over 60 for a response and thats a violation of my consumer rights under fcra 611
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE AND CORRECT the status of my accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I received a late fee and interest on my credit card ( gm rewards card Marcus by Goldman Sachs ). I had previously called and requested a statement for the month of XXXX ( which I never received ), I received a letter with a copy of my statement ( the due date was XX/XX/2023, the date on the letter is XX/XX/2023 ), I have never had a problem receiving my statements in the past, I called 3 different times over 2 months before I received the first copy, I paid by phone the statement balance on XX/XX/2023, I was told they would remove the late fee because they could see where I had called twice asking for my statement, on XX/XX/2023 I received a statement with late fees and interest, I called and questioned the charges ( there has been no activity on this credit card since XXXX ) I was told I had to pay the late fee and interest on the late fee!
Product: Credit reporting or other personal consumer reports

There are false inquiries on my report harming my credit. Please delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

This is in reference to claim number : XXXX. I have energy bill statements, but also, if I owe this much in rent, why are there no records of eviction notices attached? An eviction notice does not entitle someone to be there for that length of period without consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, once I found out there were negative impacts on credit score, I try to contact these creditors ( chase and XXXX ) to solve the issue by providing all the documents they need. However, they always come up with some excuse said they didnt receive the documents and others excuses. 
I did sent polices reports and bank statements to both creditors but they didnt resolve the issue.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Said furnishers never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Im making this complaint because I have tried my best to resolve my dispute with the credit reporting agencies yet this have ignored my request to investigate the errors reporting on my behave. I have gave the reporting agency ample time to investigate and provide me with the investigation results yet they have failed time after time.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX previously deleted and permanently blocked the following fraudulent and unauthorized accounts between XX/XX/XXXX-XX/XX/XXXX from my XXXX credit report, now the accounts is back on my XXXX credit report : XXXX XXXX XXXX and XXXX XXXX. The accounts are fraudulent and unauthorized, and dont belong to me. XXXX previously deleted and permanently blocked the accounts from my XXXX  credit report.
Product: Checking or savings account

I was receiving a cash advance from my wife thru XXXX XXXX to my personal checking account # XXXX the amount was {$100.00} on the XX/XX/. I instead of being charge the fee of a XXXX if done instantly i decide to allow for the 3 day wait and it would be deposited into my personal om Wednesday on XX/XX/ at approximately XXXX XXXX XXXX XXXX When i checking for the funds to see if they were in my account they were .They were not instead put in my old Business Acct. i see my old business account on my Capitalone bank app that was closed by Capitalone some time ago because there was a dispute on overdraft charges that was not notify are expanded to me. I requested a statement of the charges that i never received instead a letter just saying i owe them {$400.00} and change. But the funds were not sent to my personal account but to my closed business account # XXXX. From there Capitalone transfer the funds that were intended to the personal checking account. To the closed business account and seized by Capitalone. They are calling it right of offset debit on the old business acct. I feel they had not right to diverted from one acct in good standing to another. That is misappropriation of funds and thief! The try to call them to resolve to correct the matter they investigated it and said they would issue a refund which never happened til this day XXXX I have try to call the charge back dept with no success other then them saying they don't why it hasn't been refunded yet. But they could request for another refund but it would take another 2 business days.This has been going on since the XX/XX/ eleven days not counting weekend.I have evidence showing the funds in the Business acct. My personal account is in good standing. They are giving me the run around of this refund!
Product: Credit card or prepaid card

THIS CARD GOT A COPY OF MY XXXX CREDIT REPORT WITHOUT MY PERMISSION. ISSUED CREDIT CARD IN MY NAME WITHOUT MY PERMISSION.
Product: Debt collection

XXXX XXXX XXXX Collector Company United Recovery. Called me numerous times at work. The following times that the company called me at work are as follows. XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.
Product: Money transfer, virtual currency, or money service

Venmo tells me these transactions were denied. I will provide screenshots from my bank and you can clearly see all the {$200.00} transactions went through. Venmo tells me they did not, they will not write me back and none of the following transactions shows up on my Venmo.
Product: Debt collection

I received a debt collection letter from CMRE FINANCIAL SERVICES INC, dated XX/XX/XXXX, stating that, XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. I do not owe this debt. I do not recognize this claim ( {$1000.00} ) and I have not taken any service from this provider after XX/XX/XXXX. 

The last service I had taken from this provider was on XX/XX/XXXX. The claim ( {$2000.00} ) was fully payed by my insurance provider XXXX ( {$1800.00} ), and me ( {$200.00} ), and I do not have any outstanding bill. 

This is not the first time XXXX XXXX XXXX XXXX XXXX. XXXX placed my account for collection. They did it before on XX/XX/XXXX with XXXX XXXX for the above mentioned service. I tried to contact both the service provider and the debt collector that time, but did not get any response from any of them. 

Please help me resolve this repeated harassment.
Product: Mortgage

Wells Fargo has had me paying a loan that was discharged XX/XX/2010 as part of my Chapter XXXX Bankruptcy. I only found this out because I inquired to the payoff amount and asked my loan payoff be reported to the credit bureaus. XXXX and XXXX both sent paperwork showing the loan was discharged in XXXX 2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

INQUIRIES XXXX XXXX XX/XX/2017 XXXX XX/XX/2017
Product: Credit card or prepaid card

I recently opened a new cash rewards credit card account with Synchrony bank. There was a problem when I attempted to make an internet purchase and it triggered a fraud alert with them. The telephone message I received appeared to be fake, so I called customer service. I called from my home phone registered with the account, and correctly answered their security questions. However, when I was transferred to the fraud department, and answered the same security questions, I was informed that since my telephone service is a VOIP service, it was considered " not secure '' and therefore, they would not validate me as the real customer. After much back and forth, they sent me an email with a " code '' that I had to repeat to them. It also seems absurd that if my VOIP service is not secure, what good is giving Synchrony Bank a " code ''. All the code does is validate that I can read my email. If the VOIP account is hackable, then it isn't a viable service for phone conversations. 

They claim that VOIP phones are not secure. Fraud alert inquiries from credit card companies are a common occurrence and I have never run into this type of statement before. 

Anyway, I think their position is absurd. I would appreciate it if you'd also communicate with the FCC as they oversee the internet regulation. If in fact, a VOIP phone service is not secure, why are they allowed to be marketed without proper security? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report I XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. believe it was reported in error. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from this source SYNCB Inquiry : XX/XX/2018  This is the info provided Institution Information SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX When this number is contacted it only wants a passcode .... which of course I do not have seeing how I have no idea what this even is. I did not authorize anyone to pull my credit on this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless!
Product: Credit reporting or other personal consumer reports

The whole credit report from Experian is wrong, fraud, manipulative. XXXX XXXX  won't let create a bank account because Experian sent a negative ORDEN. 
I have never buyed a single article thought credit. 
I do work for the government. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of birth XX/XX/XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : 1 /Creditor Information CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$570.00} Highest Balance {$570.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info XXXX Information CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} Highest Balance {$560.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

Please find the documents attached to this complaint regarding this serious matter that is causing me physical, mental and financial harm.
Product: Bank account or service

I received a NetSpend card in the mail. It has my first and last name on it. The label advising to call and activate.