23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

While signing up for a checking account at Regions Bank, the banker asked me if I would like to opt-in or out of overdraft protection. The camera on my motorcycle helmet was left on, though not intentionally, and recorded me verbally telling the banker to opt-out of overdraft protection. So I go home and notice I have a hard inquiry on my credit report and states from Regions Bank. I also noticed through my online banking profile that I was enrolled in overdraft protection. It was confirmed that Regions Bank would only do a soft pull and it would not show up on my credit report, but since I was enrolled by the banker into overdraft protection without my legal consent it resulted in a hard inquiry instead of a soft. So now my FICO score has dropped by XXXX points and will take it months for it to recover. Time in which will set me back drastically as the inquiry will stay on my credit report for 2 years.
Product: Bank account or service

Yesterday, I went to a local TD Bank to make a {$400.00} deposit before XXXX so I could bring my checking account current and not have to deal with receiving any overdraft fees but when I got to the local TD Bank, after banking hours, my TD Bank debit card would n't open the door. No matter how many times I tried swiping my TD Bank debit card, the door would n't open. Si I never got to make my deposit before XXXX. When I called TD Banks ' customer service department, the young lady who answered my call quickly told me that this was starting to happen a lot with their customers and as I started telling her about other after banking hours situations I had in the past with other TD Bank ATMs ( not returning my debit card, not accepting cash deposits, etc ), our call get disconnected. So when I called back the new TD Bank XXXX number customer service representative I was speaking with, placed me on hold and when she returned to rhe line, the first thing she told me was that her supervisor her told her to tell me that I was going to be receiving several overdraft fees and that I was n't going to be given any courtesy refunds/waviers of the overdraft fees I was going to be receiving. I got so upset that I lost my cool and started cursing up a storm. What was I suppose to do, kick open or break the glass doors to enter TD the ATM area and make my deposit on time???? Clearly this was a situation caused by the doors at that TD Bank location and not me. This was totally out of my control and that why all of the overdraft fees I received such be refunded/waived. Plus these ATM doors at TD Bank, seem to be causing this situation all over the place, something that TD Bank needs to and should address and resolve.
Product: Student loan

I dropped out of college in XXXX, my loans then went into repayment. Unable to afford them at the time, I was told my only option was to go into a temporary forbearance. I was steered towards this multiple times. Also in XXXX after completing my college degree and after XXXX after completing another degree. I was given no information about income based repayment plans. I now know that XXXX  has a history of predatory practices such as the one Ive experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times delayed that is being accounted on my credit report seems inaccurate and or misleading.
Product: Student loan

I 'm filing this complaint in regard to my student loan with Navient and the collection agency XXXX. This complaint, steam from having multiple agencies and collecting agencies demanding payment on this student loan. Now, you would think all these agencies would communicate with each other, but they are n't sharing the information of withholding my IRS return. I have found out from requesting a credit report, that this action has a negative reflection on my credit score. I have attempted to explain my situation, within reason to the XXXX credit bureau ; XXXX, XXXX formerly known as XXXX and XXXX XXXX. I have experience in contacting these organizations are very unreasonable and inhumanity. Yes, my student loan is in default from not having mean fully employment, in other words, I have regain employment from alone period of live changing events beyond my control. I ask of you, the Ombudsman Group to assist me with XXXX, ( XXXX ), in reaching some common ground within reason. I thank you all your assist and look forward to hearing from soon. XXXX has my file not Navient trace number : XXXX Acct Number : XXXX XXXX. At this time, XXXX is demanding payment and is threating me with garnishment of my salary. I have forward a request for delay. Once again, I truly thank you. 

Sincerely ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX and found that I still have accounts reporting on my credit report fraudulently. The XXXX XXXX XXXX account # XXXX, opened XX/XX/XXXX XXXX {$1300.00} has been previously disputed through Equifax and XXXX personally. I have reason to believe investigations conducted have not been thoroughly conducted as only the balances on the debts have been updated and no validity of the debt has ever been produced by debt collection agency or credit reporting agency.Upon sending a letter to verify what debts that I allegedly owe, the address presented on all XXXX credit reporting agencies is a fictitious address as this company is just a sub corporation attempting to collect a debt for XXXX XXXX. There is now a XXXX XXXX account # XXXX opened XX/XX/XXXX XXXX {$2000.00} reporting fraudulently as well via same company. XXXX Account XXXX has recently been placed on my credit report balance {$530.00} and have never notified or communicated of any debt what so ever. These accounts are in violation of the FCRA and is a violation of 15 USC 1692g in particular. Please ( RE ) investigate these accounts as they are hindering my ability to obtain credit. These accounts violate the FCRA are subject to {$1000.00} per violation as well damages accrued in the process of insuring my credit report has been reporting fair and accurately for several months now. These damages would certainly fall under 15 USC 1692d with both debt collection agency and credit reporting agency being liable
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am having issues with Equifax and getting information. I initially pulled a credit report with a credit monitoring site and noticed that Equifax was reporting some inaccurate information, such as two accounts showing charged off with XXXX XXXX XXXX XXXX. I have never had any type of bad account with this bank, so I researched my options and a letter was sent to Equifax demanding they remove the the false information. This was back in XXXX of this year. I never received any type of response from them so another letter letter was sent XX/XX/XXXX and to this day I still have yet to hear from them. I have sent a 3rd request on XX/XX/XXXX and no response. I accessed my account with XXXX XXXX to see if maybe they are working on things and just not sending me the information but that information hasn't been updated on XXXX XXXX 's site since XXXX of LAST YEAR. It shows that for some reason Equifax is completely ignoring me. With ever correspondence sent I included the documentation they request to research items so that is not the issue.
Product: Credit reporting or other personal consumer reports

I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account NameXXXX : 15 U.S.C 1681 section 602 A. States I have the right ot 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 Delete this account immediately, unless you want ot be held {$1000.00} per violation 2. Account Name : Account Number : 15 U.S.C 1681 section 602 A. States Ihave the right ot privacy. [ Text Wrapping Break ] 15 U.S.C 1681 Section 604 ASection 2 : tI also states a consumer reporting agency can not furnish a account without my writen instructions [ Text Wrapping Break ] Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to each of the credit bureaus asking for verification on items that are reported differently for each of the XXXX bureaus. On XX/XX/2022, I mailed a letter to each of the credit bureaus asking that they provide a number of details about each item that was challenged. No response has been received and the items that I requested proof of validation on have not been confirmed. 

I am kindly asking for help with resolving this matter as it has been much longer than the 45 days and I still have not received a response. 

In accordance with the Fair Credit Reporting Act, the following XXXX Accounts have violated my rights : Account Name XXXX XXXX XXXX - Account # XXXX Account Name XXXX XXXX  - Account # XXXX Account Name XXXX - Account # XXXX Account Name XXXX - Account # XXXX Account Name XXXX - Account # XXXX Account Name XXXX XXXX - Account # XXXX *** Account Name XXXX XXXX XXXX - Account # XXXX 15 U.S.C 1681 section 602A. It states that I have the right to privacy. 

15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I should be included in the Navient private loan forgiveness program. I attended XXXX XXXX XXXX XXXX XXXX Indiana in XXXX. I was behind on my loans multiple times prior to XX/XX/ XXXX I was even in default from XXXX and making payments to a different company. I was told I did not qualify. I meet all the criteria which are attached.
Product: Student loan

I authorized XXXX to take {$140.00} a month. They took that plus {$450.00}. I never authorized this. They used the information from one loan to deceptively take an additional amount out. When I told them they said it would take 5-10 days to refund my money. This happened two months in a row. 
Help
Product: Credit card or prepaid card

XX/XX/XXXX. Opened a case. Vape  company in XXXX scammed me with a defective product. 

XX/XX/XXXX I inform cashapp there is not an option to dispute via services not as described. We banter back and forth. 

XX/XX/XXXX : On Sat, XX/XX/2021 at XXXX XXXX, Cash Support XXXX wrote : Hi XXXX, This is XXXX, Thank you for your patience during our delay and I hope you're doing well and you've been staying safe during this time. 

We will update you with the required information to open your claim within 10 business days.

After this I reached out multiple times starting XX/XX/XXXX and never received a response again. I believe they blocked me from opening a support ticket.
Product: Credit card

I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed a letter requesting inaccurate accounts listed on my credit report to be verified. It has been over two months and I still haven't received a response and these inaccurate accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Product: Debt collection

I am filing this complaint against National Credit Systems due to their inaccurate reporting of a debt on my credit report and their failure to properly address my dispute and cease and desist request. 

Details of the Complaint : Inaccurate Reporting : XXXX XXXX XXXX is reporting an account with the reference number [ Insert Reference Number ] to the credit reporting agencies under my name. This account is not accurate and has been mistakenly attributed to me. 
Dispute and Cease and Desist Request : On XX/XX/XXXX, I sent a formal dispute and cease and desist request to National Credit Systems. This request included a demand to cease all communication regarding the alleged debt and to delete the disputed information from my credit reports. 
The cease and desist request referenced case law, specifically Edeh v. Midland Credit Management , Inc., 748 F. Supp. 2d 1030 ( D. Minn. 2010 ), which recognizes that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Therefore, the cease and desist naturally includes deletion from my credit reports. 
Lack of Response and Compliance : Despite my request, National Credit Systems has not provided any documentation to verify the validity of the debt. They also continue to report this disputed debt to the credit reporting agencies, which is a violation of my rights under both the FCRA and FDCPA. 
Impact on My Livelihood : The continued inaccurate reporting of this disputed debt has significantly damaged my credit score, leading to the following impacts : Loan Application Denials : I have been denied loans due to the negative information on my credit report, hindering my ability to secure financing for necessary personal and business expenses. 
Higher Interest Rates : My lowered credit score has resulted in higher interest rates on existing credit lines and any potential future loans, increasing my financial burden. 
Employment Opportunities : Certain employers conduct credit checks as part of their hiring process. The inaccurate reporting has jeopardized potential job opportunities, affecting my career growth and income potential. 
Emotional Distress : The XXXX and XXXX caused by the unfair and inaccurate reporting have taken a toll on my mental health and overall well-being. 
Desired Resolution : I request that the CFPB investigate this matter and take appropriate action against National Credit Systems for their failure to provide accurate information and for their violation of the FCRA and FDCPA. Specifically, I request : Deletion of the Disputed Debt : National Credit Systems must delete the inaccurate information from all consumer reporting agencies. 
Confirmation of Compliance : Written confirmation that my dispute and cease and desist request have been received, investigated, and that all inaccurate information has been removed.

Prevention of Further Violations : Ensure that National Credit Systems complies with all relevant laws and does not continue to report inaccurate information.
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. 
I want the
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I have noticed theres some unauthorized inquiries on my report, and jobs and addresses I never stayed in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Address that I never lived, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Allied Insterstate LLC XXXX is a 3rd party and they along with XXXX XXXX XXXX XXXX have been harassing me under a former married name as well as calling and sending mail to my job demanding a wage garnishment for a Federal Student Loan and threatening my job with suing them if they do not comply. 

The harassment started when I applied for my first Credit Card ( XXXX XXXX ) in my life through the XXXX XXXX Link. 

I never had a Student Loan and am a client of XXXX XXXX XXXX because I am a Identity Theft victim. 

The Law firm as let me know that there has never been a student loan on my credit report not now or ever and that goes for all 3 credit bureaus. 
XXXX XXXX XXXX has stated on their recorded line that these 2 companies are a known scam companies. They have also stated on their recorded line that if my job did the garnishment that all of my jobs info as well as finances of the company the scammers would have access to. 

I need for the harassment to STOP ASAP. 

Many thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX County. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not notified me of my investigation or results. I need them to follow the law and start my dispute from my letters sent to them back dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so I have been actively working on all 3 credit reports since XX/XX/XXXX to establish and correct any inaccuracies. I have had a terrible time getting things in order with the credit agencies. Equifax has been a nightmare and complaints for them have been filed. XXXX has no score generated for my idenity. I think this is unfair reporting & caused me unfair credit opportunities un the FCRA. I have always paid my way in my XXXX years of life not knowing the importance of monitoring my credit as an adult. I did not feel the need to credit knowing the cash flow was keeping me stable. I'm older now and have been on XXXX since XXXX. I now have been enquiring of credit to help my life style. I am not getting an equal fair chance to establish revolving credit mainly because the agencies I have accounts with do not report to all three credit monitors. I have made requests for this to change and was denied. I'm getting XXXX per month to live on and can not do a deposit on credit that would take away from available money. I'm in need of possible credit to add to available funds that can be paid on the first with my one other expense I currently have. My lack of information should show in a good perspective that I'm responsible not to have exhausted my resourses by asking for to much credit. Is there anything that can be done that may give me a shot at fair credit chance? I dont care if the generated score is next to nothing I just do not think that by the FCRA and the fair equal credit opportunities this kinda treatment just does not fit the script as Fair! I'm confused how foriegn citizen 's that arrive here as adults can get fair credit chances with just submitting paper work even without a social.I 'm born in the USA & seem to be categorised as some kinda gamble to creditors for losses or gains. ( I read an article ) I hope our system is not set up to determine our financial history at birth by our given names and social security numbers. The credit agencies do business with our personal information across seas in the XXXX and that does not seem appropriate however we tolerate it. I'm sorry in advance but please help me get the 3 credit agencies to combine the good and the bad equal between the 3 agencies so I will generate a fair score to allow credit opportunities for once in my American life. Please? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I found an inaccurate and unknown accounts on My credit report. Its over 30 Days today But No Response. I was a victim of Equifax Data Breach. I want to delete those accounts ASAP or I will file a litigation.