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

Greetings, I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed postings of charges and or credits. this issue aligns well with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction. Not too mention, just this past XXXX ( XXXX  ) when I opened an account with them and it was never stated that they will take my funds when I receive my first deposit from employment, which left me in a very uncomfortable and emotional state while out of the country with no access to accounts due to lack of internet service and security.
Product: Debt collection

LVNV FUNDING ( Original Creditor : XXXX XXXX  ) XXXX {$800.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with LVNV FUNDING LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, LVNV FUNDING LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account XXXX XXXX, XXXX   XXXXXXXX  s reported as duplicate on my XXXX and Experian credit report. They are reporting it but XXXX did not, why?? My student loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out and placed a complaint with the cfpb about two or three weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. Ine sent on the XXXX and another on the XXXX XXXX  XXXX. Many letters were sent before that but these are the two I would like to focus on because these are the two I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.
Product: Mortgage

I received second notice that my XXXX tax bill had not been paid through my escrow account. Amount due : {$8300.00}. 
I called my loan servicing company ( Community Loan Servicing ) and was advised the issue should be resolved in XXXX business days. ( I do not recall the date I called to speak with them ). 
About XXXX weeks later I called to follow-up to make sue the bill had been paid and was advised it had not and that I would need to work with a XXXX XXXX. 
I sent the XXXX XXXX ( an employee of Community Loan Servicing ) the 2nd notice I had received through email on XX/XX/22. 
I called today ( XX/XX/22 ) to ensure it had been taken care of and was advised the bill has still not been paid and that they are working with their XXXX  department ( who I am not allowed to speak with ) to get it resolved.
Product: Checking or savings account

Citibank- I have two savings accounts with Citibank . One savings had {$26000.00} and the other savings account had just over {$500.00}. 
Today I tried to sign onto my online banking and it said there was a problem and I could not view my accounts. I called customer service 4 times ( total of over an hour ) before I finally got to someone who was able to tell me that my accounts had been closed. They would not give me a reason and told me that I would be sent a letter and a check would follow with my funds. 
I have done research on this specific situation and it looks like it has been months as some people still havent received their money. 
This money was my savings to purchase a house in the next month or so. How can they just close my account, cut off all access to my fund and tell me this can take 30-60 days to resolve. 
This savings account was a deposit only account, no negative activity and no account information was incorrect. NO REASON FOR THEM TO CLOSE IT. The funds deposited were strictly from my salary. This is unacceptable and I would like a reason and my funds in my hand ASAP. I have been working towards a goal to purchase a home for two years and this has now XXXX  me!
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy. 

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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: Payday loan, title loan, or personal loan

I have been receiving phone calls and texts on a daily basis. Sometimes numerous times a day. I explained that I am laid off and receiving unemployment benefits that barely pay my rent. I have also asked them to stop contacting me. They have stated that I have received unemployment for a number of weeks and that I should be able to pay the loan. Which, as stated, is not possible since my benefits barely cover my rent. It's my belief that under federal law that when told to stop the contact, they must stop. However, they have continued to do so. I have blocked the calls and texts from being received from my phone. I have told them that I would pay once I return to work.
Product: Checking or savings account

I deposited my cashed paycheck into the ATM at Bank of America and it said there was an error and only deposited {$300.00} of my deposit. Bank of America started an investigation which they stated may take 30-34 days to complete, meanwhile my account has a negative balance because I havent been paid in 19 days and they wont give me my money back, wont close my account and I have no way to eat or feed my dogs or pay my bills and they just keep telling me theres nothing they can you do to help me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( XXXX ) 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 paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on 'XXXX XXXX and other soft draw agencies. Went through BBB And Equifax just gave me the soft shoe shuffle!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i sent a letter to the bureau regarding Inaccurate accounts being reported to my credit report. It has now been over 45 days that I have not received a response, I feel as though my request has been ignored. In this time of pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, it has been over 45 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the XXXX data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : ALLY FINANCIAL is willfully and knowingly violating my rights. I have not consented to my personal information being shared. This corporation has shared my non- public information and reported my credit worthiness. They submitted multiple late payments and reported a delinquent account on my consumer report to XXXX XXXX XXXX XXXX XXXX I did not receive my 3 disclosures that allows me to OPT-OUT. On XX/XX/2023, I contacted this Corporation and was transferred to a line that prompted me to answer 3 questions. After I answered NO to every question, the corporation still dishonored my request. I submitted a letter to the corporate address and have not received a response to my request. I am not belligerent. I just don't want to jeopardize my ability to purchase a home for my family. I am in the process of moving and this is really a form of defamation of character. I demand this be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Inquired on XX/XX/2022 XXXX - XXXX XXXX Inquired on XX/XX/2022 XXXX - XXXX XXXX  Inquired on XX/XX/202 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The four major credit bureaus, XXXX, TransUnion, XXXX, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
Product: Checking or savings account

They have been breaching of my information tampering with my funds going in and of my account as well as tampering with my personal things and subliminal messages to me thru mail and staff members they proceeded with an investigation on who was altering and messing with my data
Product: Debt collection

I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the information being provide on my credit report is wrong. I did not recieve any XXXX XXXX and medical bill/charges that have ever been billed were covered by my ex-spouse 's medical coverage as well as state health care coverage. And I would like to note that I am being put in collection under false pretenses in the year XXXX for my child 's medical bill who I do not have custody of as he has been in his father 's care the entire XX/XX/XXXX year and has him under his medical insurance which he is covered through with the federal government and my ex-husband is responsible for any outstanding balances in regards to that. I also contacted the collection agency on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I was told that they could not verify my information thus could not provide me any details with that said then why do they have my information and negatively reporting information that I owe them. I would also like to note that I have had continued issue with identity theft since XXXX as well as my ex running up my credit without my knowledge as he took advantage of me due to my XXXX XXXX XXXX XXXX caused by XXXX and XXXX XXXX and XXXX XXXXXXXX I have gone theough.
Product: Debt collection

I was trying to make apply for credit to make a large purchase and was denied due to a collection from Wakefield & Associates reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Wakefield & Associates nor the original company that owns the debt. I don't even know who the original company is that owns the debt.
Product: Checking or savings account

Citi closed my checking account on XX/XX/2022 due to suspected fraud. The account had been open a little over a week. The account had $ XXXX in it at the time. I attempted to make an XXXX XXXX purchase to a merchant and it was marked as fraud. An agent from the fraud department called me and I confirmed the transaction and I was successfully able to process the transaction. I then attempted to make another XXXX XXXX purchase with the same vendor and it was once again flagged for fraud when I called back again, they told me that they decided to end the relationship with me. Prior to this, this account was only used for incoming transfers from my external bank account and paying credit card payments. This was all the money I had, and I will now fall behind in all of my bills, waiting XXXX to XXXX days for my money. There was no fraud on this account whatsoever. I called a branch and they were also unable to help due to the notes that they viewed on the account.
Product: Credit reporting or other personal consumer reports

I have contacted all Three ( 3 ) Credit Bureaus with regards to this account with XXXX XXXXWalmart . I have disputed it with all Bureaus. I have called XXXX XXXX  more than 10 times with different numbers given to me by them. Each time I talk with XXXX, they tell me that they do not have the information needed to help me with my problem with the incorrect information on my CB report. When it is disputed by the Credit Bureau, the same answer comes back as the " Information is Correct. '' That is an answer they tell everyone, I assume. As stated, when I call them myself to try to find out about this unknown account from XXXX, it is always the same answer : " We do not have that information. It has been sent to XXXX XXXX. I need to contact them. I did! They do not have any information about the account, but to try calling some lawyer at XXXX and XXXX, XXXX. I did try to get them five ( 5 ) times since last Tuesday ( XX/XX/XXXX ) and left messages with the lawyer and the receptionist. NO return call ever made to me. 
Yesterday, XX/XX/XXXX, I called XXXX again and was told the same thing : No information, but to call the Fraud Depart. I did and was transferred to another number and I called them this morning, XX/XX/XXXX. The XXXX employee in that department told me that they had no information because all the previous info was transferred to Capitol I. I called them and was told they had no information because they only took Walmart accounts in XXXX or XXXX. No infor there either. 
My main question now is how can XXXX XXXX  place a Charge off for Walmart in the amount of XXXX when no one has any information about me or this account. I am very insensed and very troubled with their business methods. It is very dangerous to have in America today the ability to do this to a consumer and ruin their credit with no information on the account mentioned. How could this happpen?
Product: Money transfer, virtual currency, or money service

On Tuesday XXXX XXXX, 2017 I went into my Chase bank branch. Made a wire transfer from my account in the USA to my account abroad, XXXX. I have wired money before and it has taken two business days.
The transfer did not go through after two business days so, I called the branch on Thursday X/X/17. They told me that technically they have until X/X/17, but that they will look into it. The branch manager called me back and said that all was good that the money had been released.
I arrived into XXXX X/X/17 and no still no money ; I was to close on a home here today X/X/17 and nothing.
I called on X/X/17 to inquire about wire transfer, they said it should be released within 1 hr. Monday X/X/17 still nothing, they said it was out of their hands and that I should call the Chase Wire department.
I called the Chase Wire department ( this international call will cost me a lot of money ) and they said that the wire transfer should be here by X/X/17 ; and still nothing.
Today is X/X/17 and nothing. This is ridiculous, I am stuck abroad, with no money.
**The worse part is that within the phone calls made, I have spoken to several representatives, some passing me on to others, and some even telling me that the transfer does not exist on my account.
For example yesterday I called XXXX, one customer representative said that the money was released X/X/17 ; when I inquired about the delay, she passed me over to another  representative, the other representative told me that she did n't know what transfer I was talking about since she did not see any wire transfer- as you can imagine I was upset. This representative suggested that she contact he branch manager to inquire about this.
She called he branch manager and his response was that the wire had gone through and that I should have the funds available today X/X/17.
That international call lasted over 55minutes. There is major miscommunication between the representatives.
Product: Debt collection

XXXX/ XXXX/ XXXX XXXX is stating that I owe money to the company, however the debt was verified as invalid with XXXX  XXXX. Amount that they are stating I owe is XXXX
Product: Credit card

I respectfully ask for the removal of late payment remarks and a transition to a positive status indicating payments made as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied by over 160 rental applications. Experian, XXXX and XXXX  are attacking me and forcing me to live in the streets and in homeless shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in XXXX. When I left high school in XXXX   my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.