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 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: Debt or credit management

In XXXX  I was aggressively approached about a refinance promised money from escrow and to be able to miss payments with a lower interest rate by XXXX XXXX XXXX. In the situation I was asked to lie about income by placing " nanny '' as employment. This didn't seem like fraud because I was employed but hadn't been there long enough. In the process I questioned the Esigning legal situation and the name of the lender being " XXXX '' not XXXX XXXX, she told me that they were under XXXX etc. moving forward I didn't have a state ID so she asked me to take a picture of the paper copy printed, they sent a closing agent to my house and I was confused and my questions weren't answered and the closing disclosure wasn't signed. I was then asked to provide a cashier check for the title company at XXXX point then on XXXX sign and backdate the closing disclosure for a loan executed on XXXX and recorded on XXXX. Moving forward the loan was endorsed " without recourse pay to the order of XXXX XXXX  '' signed by someone working for the bank, the security that was recorded claimed that XXXX was the holder of this security. I have filed a complaint in regards to the rest of how things continue in bad faith fraud including my credit reports reflecting multiple active servicers with over XXXX in debt with varies names. I was reading the news on XXXX regarding reporting of this and when I do report it to VA and to OIG I am told they are unaware of anything I'm saying, and continue to try to get me to engage in loss mitigation with Mr. Cooper/Nationstar who have demanding my bank account information, called me names with threats and misapplied the funds they received while dual tracking. How can I report fraud and be told I have no choice but to deal with these criminals? The complex layers of criminal action with federal agencies threatening my home if i don't enter this adhesion contract is criminal also. Yet here I am AGAIN with them dual tracking in loss mitigation with Veteran Affairs while i'm in court
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXXXXX XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX XXXX   XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have been emailed hundreds of times since XX/XX/XXXX to sign up for TOMO CREDIT BOOST ; a supposed creditline/tradeline company to help monitor your credit, report the paid tradelines to your credit via XXXX, XXXX and XXXX. 

I did sign up for the service however nothing has been reported and it is also virtually impossible to cancel your membership. They are still attempting to charge my locked cards on file but have not reported any of the promised services to the reporting agencies as advertised. There is also no way for me to remove my payment methods online. 

The tradeline tier I originally signed up for was the {$1000.00} basic membership tradeline. 

As of XX/XX/XXXX, I still have not seen any of the advertised services being reported. If this is happening to me I can imagine there are plenty of others this is happening to.
Product: Checking or savings account

On XX/XX/21, I opened a Fifth Third Momentum Checking account online ( ending in XXXX ) and was provided with the account opening disclosures. I also created my online banking account at the same time. In all of the disclosures that were provided to me at account opening and when I created my online banking, Fifth Third did not disclose to me that there was a {$3.00} web transfer fee for making a transfer from online banking to an external account. On XX/XX/21, I initiated a {$2000.00} transfer to an external account. I later learned when reviewing my statement that Fifth Third charged me a {$3.00} web transfer fee. This fee was not disclosed to me on the screen prior to making the transfer either. Fifth Third advertises this checking account as " No Hidden Fees '', but this {$3.00} web transfer fee appears to be a fee that was not disclosed prior to when it was charged and is therefore a hidden fee. This type of fee would be a fee that is required to be disclosed prior to account opening or prior to when the first EFT is completed under Regulation E. To make sure I didn't miss this fee at account opening, I reviewed the fee disclosure that is located on the Fifth Third website and again noted that this fee is not listed. I also could not locate a separate online banking fee schedule on the website or when logged into online banking. I have since closed out my account, as I did not see value in keeping the account open and was not happy with these hidden fees.
Product: Credit card or prepaid card

There was XXXX capital one credit cards open in my name that I didnt open I have never had or applied for any credit cards with capital one
Product: Checking or savings account

On XX/XX/XXXX Capital One sent me an email saying they restricted my checking account due to it being overdrawn for more than 56 days. I contacted them on XX/XX/XXXX, to inform them that I had been out of work since XX/XX/XXXX due to medical reasons. I had been waiting for my state of DE tax return which was filed on XX/XX/XXXX to satisfy the {$44.00} overdraft. I have been with Capital One for over 10 years. There was not email or notice that came to warn of restriction. The representative advised that it was in my Terms and Conditions. The representative informed me that once I satisfied the balance, the account would be automatically closed within XXXX business days. I called Capital One back on XX/XX/XXXX to advise that the tax refund had finally hit the account and authorized them to move forward with closing the account and rolling the additional funds of {$1700.00} into my other Capital One checking account. I called them back on XX/XX/XXXX to inquire about the funds and was advised that they were still within the XXXX business days and to give them a couple of days to complete the closure. I called back on the XXXX and spoke with Management. She advised she was escalating the matter and emailing the back office to resolve the matter. I called back on the XXXX and Management advised that it was an additional XXXX business days because the closure request was resubmitted on XX/XX/XXXX due to the first closure request receiving an error code. I have called everyday since and I was told they had until the XXXX business day but the request was still open. I called this morning, XX/XX/XXXX, and was advised that the request failed again and they were going to need an additional XXXX business to resolve this matter. I advised that this is unacceptable and I wanted to speak to someone higher up. Management advised that it was at its highest level and my next step would be to write a letter and mail it to the office of the President at XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and they had XXXX days to respond. I will be mailing the letter today as well as filing this complaint.
Product: Credit reporting or other personal consumer reports

There is information that is inconsistent and inaccurate on my credit report and I would like it to be removed.
Product: Debt collection

I received a letter from XXXX XXXX courts about a debt owed to Jefferson Capital Systems for XXXX. I have no knowledge o this debt, I also didnt receive a debt validation letter, or purchase agreement from creditor to collection agency. See attached document XXXX sending of letter from courts.
Product: Credit reporting or other personal consumer reports

I have been disputing negative and fraudulent Items in my credit reports since XX/XX/XXXX. XXXX, Equifax and XXXX are constantly bouncing my information back and forth, they are always adding derogatory items on my credit reports. They are constantly sharing my personal private information without my permission they are constantly violating The Privacy Act of XXXX, XXXX, XXXX and Equifax are extremely negligent they constanly violate 15 U.S. Code 1681s. They are supposed be truthful but they just lie they constantly send me the same computer generated responses and they tell me I'm not truthful. I have submitted multiple identity theft reports, they all owe me {$50000.00} each, one day they will remove items and then the next day they add items that are not mine. they violate 18 U.S. Code 242 and 15 U.S. Code 1681n They constantly break the law. I have not been able to get approved. On XX/XX/XXXX they removed the XXXX account and they blatantly disregarded the attorney general of XXXX  they also violate 15 U.S. Code XXXX XXXX, Equifax and XXXX are violating UCC 1-103 : Duty of good faith and fair dealing.

UCC 2-305 : Implicit contractual obligations requiring equitable exchange.

UCC 9-102 : Protection of intangible property interests. 
Additionally, I suspect that XXXX, XXXX and Equifax 's actions, including the unauthorized use and monetization of my data, may involve the private securities market, with significant tax implications. I have requested a forensic securities audit to uncover the extent of these practices. They break every FCRA law including 15 U.S. Code 1681e. I have submitted affidavits under penalty of perjury and they still provide no proof or help. XXXX, Equifax and Equifax pose as " Credit Bureaus ''. but they are not Federal, Bureau means federal. These are privately owned data mining companies. They get to s
Product: Credit reporting, credit repair services, or other personal consumer reports

How many letters do I have to send to the Credit Bureaus for them to finally take action and correct the information that the disputed account reports on my Credit Report? I have been disputing the accuracy and validity of the information these accounts report on my Credit File with by sending dispute letters to them hoping that the Credit Bureaus would turn their heads and comply with my requests. The last letter I sent to the Credit Bureuas was dated XX/XX/XXXX and I have not received anything from them which is considerable as a response. I am willing to pursue legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. I am submitting this complaint to protect my rights. I need the following accounts be correcred from my Credit File in order to report accurate only information ; 1. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Balance {$170.00} Date opened XX/XX/XXXX 3. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Product: Credit card

My Citibank credit card was hacked for over {$XXXX} starting in XX/XX/XXXX and continuing to XX/XX/XXXX. Citibank will not refund the money despite numerous phone calls.
Product: Credit reporting or other personal consumer reports

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned, and I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.
Product: Checking or savings account

the summer of 2012 Wells Fargo closed my account after I made a deposit of around {$5800.00} I was in a XXXX  XXXX my insurance company totalled out my vehicle and cut me a check I deposited into my Wells Fargo account and XXXX days later went to withdrawal it since I had found the new vehicle I was going to purchase XXXXwells FargXXXX XXXX me a piece of paper told me it had been closed and I could call the number on the piece of paper they gave me .no other resolution or help was ever received by anybody at Wells Fargo XXXX
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I applied for a personal loan in the amount of XXXX for a XXXX.I never went back seems like XXXX charged the XXXX XX/XX/2013 and I just found out after getting collection notice found out it was from XXXX office Almost 4 years later.XXXX has reimbursed the $ But I have a collection with all XXXX Bureaus.As of yesterday the dental office paid back the XXXX I never received or got work done for this is XXXX XXXX XXXX in XXXX XXXX Ca collection agency is Portfolio Recovery Associates.
Product: Credit reporting or other personal consumer reports

XX/XX/22 company violated my consumer rights 15 U.S. 1601, 1602, 1605
Product: Debt collection

Someone called from XXXX to my best friends phone ( the same number I provided on the previous page ) and stated MY name on her voicemail and that it was regarding a transaction I approved, and that her " output will determine the outcome of this serious matter '' -- he is walking a very fine line, I don't know what the calls about as I recently had XXXX and have a lot of debt now but the language is definitely deceiving and appears to be against UDAAP standards. The callers phone number was XXXX extension was XXXX name is XXXX, states he was calling from Alliant Capitol Management, a company I have never heard of. I can assure you that nothing she says will determine ANYTHING and this was a false and deceptive statement ( coercive ) to an unauthorized 3rd party-and I have never authorized any transactions by that company, that was a lie. The phone number provided for a return call is not the same number on their website.
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 USC 1681. XXXX XXXX XXXX, XXXX XXXXXXXX Bank : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 ) ( 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. The company took about 37 days. I was advised a response is to be given within 30days or by law it has to be removed.
Product: Debt collection

I contacted RMP services on XXXX17 - and spoke with a representative, I advised them that I had medical insurance coverage at the time ( that is still active ) through my employer, and that I had provided the emergency room registrar with that information. The representative stated that she did not believe me and did not care even if that was the case, that I needed to give her my bank account or credit card information and pay it myself. 
I told her that I pay a large amount every paycheck to have the XXXX XXXX XXXX XXXX coverage that I have, and I am not liable for this fee, it was covered, and that I have my insurance card info so they can bill my insurance company appropriately. 
She said that they do n't do that there, and that the only kind of cards they take are credit cards, and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX were informed that they were reporting inaccurate payment history for account XXXX XXXX. XXXX is reporting 30 days late in XX/XX/2023, while Experian and XXXX reports 30 days late in XX/XX/2023. This is obviously an error on the CRA 's behalf, and this has been confirmed in the XXXX response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/2023 as a goodwill. I was informed by the company that the late payment XXXX is reporting in XX/XX/2023 is not correct. I am demanding that the late payment is removed from all 3 credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.
Product: Debt collection

We ended up owing our old apartment complex money, XXXX XXXX, after leaving our unit. A judgment was rendered against us for the amount of XXXX by the court. No more. And no less. We satisfied said judgment through payment of garnishment. And paid off the ENTIRE debt on XX/XX/2018. We have the " Judgment Satisfied '' letter from the courts. And thought that the issue was resolved.

However. U.S. Collections West, is still trying to collect money that we DO NOT owe. And has put the amount of XXXX on my credit. And the credit agency XXXX, has refused to remove the debt. What they are reporting is false, especially since the courts probably did not give them the amount they were looking for. And are now harassing us for something we already satisfied THROUGH THE COURT. So are they trying to collect the same debt twice, by holding my credit hostage?

They are also holding our credit hostage for something that has already been satisfied. If they do not remove the debt ASAP. We will be getting a lawyer.
Product: Credit card or prepaid card

I applied for the Amex EveryDay card with the sole intention of transferring {$10000.00} upon approval since they were offering 0 % balance transfers and 0 % APR for 15 months. I thoroughly looked through the terms and conditions, and all applicable additional information online, found at the following two Amex websites : https : //www.americanexpress.com/us/credit-cards/card/amex-everyday/ https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/amex-everyday-credit-card/36502-10-0/? pznOfferCode=2USH-57UK9D-31LD-SZW # FeeTable There is no mention on the website about a maximum amount you are allowed to transfer with the exception of " You may not request a balance transfer amount less than {$100.00} and the total amount of balance transfer request ( s ) must not exceed your credit limit. '' Seeing that I was approved for {$15000.00}, I should be eligible for a $ XXXX balance transfer. However, they told me that their policy only allows for a total transfer of {$5000.00}. This is very misleading. 

Furthermore, when I was on the phone with Amex, they told me they could up the balance transfer to {$7500.00} because it was their current policy. I told them that still wasn't the $ XXXX  I was planning to transfer. When I spoke to a supervisor telling her this, she said that the {$7500.00} offer was revoked after I was approved for the credit card. 

XXXX was the name of the supervisor, and she put me on hold to review the terms and conditions. When she came back, she told me that I was absolutely right, but they weren't going to do anything about it immediately. 

At the very least, I'd want to transfer the $ XXXX that I planned. However, because Amex was misleading in their terms and conditions can not do that with this card. I would have applied for another credit card that honored their terms and conditions but having applied for this card hurt my credit score. I don't feel comfortable getting another card with another credit company because my score has already taken a hit.