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

I am writing to XXXX complaint and 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 lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where are transaction settled With insufficient balances despite initially available funds. I believe these practices are and request an investigation into my account transactions.
Product: Credit card

I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior.
Product: Checking or savings account

I called Wells Fargo to resolve the issue with my bank regarding the amount of XXXX dollars. {$28.00} & XXXX dollars. Wells Fargo refused to give my money back and made inappropriate statements to my checking account one dispute agent stated I should utilize my money better and not towards XXXX XXXX. As a customer of Wells Fargo its not her right to discuss and manage my finances. I find the discussion to be inappropriate. Secondly, she made false accusations and speculations stating is there inappropriate behavior on my checking account that she needs to report. She has no rights to make speculations claims to discredit the Wells Fargo customer and shes held liable for those statements she misrepresented the integrity of Wells Fargo and customers. I have proof and evidence I tried to resolve the matter with XXXX XXXX. XXXX XXXX refused to give my money back and I have followed the necessary steps which is going to the restaurant to speak to them and XXXX XXXX. They both refused to give my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on requested documentation of the information each consumer credit reporting company used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded by either saying they don't understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 

Each company was sent a copy of the attached 3 letters ; one sent in XXXX, one in XXXX, and one in XXXXXXXX XXXX XXXX
Product: Checking or savings account

Im currently applying for tech jobs and I received an email from a recruiter stating that I might be a good match for a company called XXXX, and I should apply and interview with them. I researched the company and found it to be legitimate. In the email Im given details on how to set up my XXXX account and reach out to the person from XXXX who will interview me. I connect with this person via XXXX and interview with them and after a few days Im told that Im hired. I get a call from them that they would like to start training in a little over two weeks. I researched the company through their official website and researched the person I was in contact on XXXX so that would know that they were the real people from XXXX. As it turns out, the scammers were impersonating real people that actually work for the company, using their information from XXXX. Its a remote tech job and Im told that the company will be supplying me with a new laptop and other devices for me to succeed in my new role. Im told that I will be receiving a check that I need to deposit to the ATM in my bank and then Im provided with the tech website where the equipment is going to be purchased. I receive the check, I deposit it and go ahead to the website, XXXX, where I purchase the equipment. The options for the payments are XXXX, wire transfer and XXXX XXXX. I choose wire transfer as its more convenient and I go ahead and wire transfer the money to the recipient. Two days later I get an email from my bank that the check that I deposited is not valid and its returned. Therefore the money that I deposited is no longer there and now Im out of {$8600.00}. As soon as I discovered that the check was fraudulent, I contacted my bank to begin a recall. I spoke to 3 different agents and each of them gave me conflicting information, which led to it taking an entire business day to initiate a recall. At this time Im not sure if any funds will be recovered, and my bank is now trying to collect a balance from me for funds that they themselves represented as available when in actuality they were not.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My card was stolen on XX/XX/2023 and a {$400.00} atm withdraw was made in downtown XXXX XXXX at about XXXX the next day. I never noticed this until I attempted to withdraw funds into my XXXX XXXX on XX/XX/XXXX and it said insufficient funds so i check my card and it is almost completely empty. I call my bank XX/XX/XXXX to file my dispute and they tell me they will send an email for me to attach my ID and any proof or information I had. The email was never sent to me and I have called US Bank 5 times since my dispute and they all give me the same answers like they are reading it from a book. They tell me my dispute was denied and that I benefited from it when their is no way possible I could have. They refuse to show me their proof or reason for believing this when I know for a fact atm cameras should be able to confirm this.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue that I recently discovered on my credit report. Specifically, a new late open account has appeared on my credit report, which is both inaccurate and unjustified. 

Upon reviewing my most recent credit report from your agency, I observed the inclusion of a late open account that I have no knowledge of and have never authorized. This entry, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history and is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I must emphasize that I have consistently maintained a strong record of financial responsibility, ensuring that all my accounts are paid on time. It is therefore perplexing and concerning to me that a late open account has appeared on my credit report, as this adversely affects my creditworthiness and poses a serious risk to my financial standing. 

In accordance with the FCRA, I am formally disputing the accuracy of this late open account entry on my credit report. I am enclosing relevant documentation that substantiates my claim, including [ list any supporting documents, such as payment records, correspondence with the creditor, etc. ]. These documents clearly demonstrate that I do not have any outstanding or late open accounts with the creditor in question. 

I kindly request that you undertake an immediate investigation into this matter to verify the accuracy of the late open account entry on my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and the necessary corrective actions taken to rectify my credit report within the legally mandated timeframe. 

The inclusion of this inaccurate information on my credit report has the potential to harm my financial well-being and my ability to access credit on fair terms. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure the accuracy of my credit report is promptly restored. 

Failure to address this issue in a timely manner will compel me to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. Please help me remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$7000.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$6800.00}.
Product: Credit card or prepaid card

I got a credit card through XXXX XXXX 's insistence that it would help my credit. The card is called, XXXX ' from Continential Finance . From the first moment I received it, it has been laced with problems that seem fraudulent because they try to extort more money than they are owed by their Customers. They are quite good at it. My first payment was {$99.00}, they withdrew from my bank XXXX payments of {$99.00}, on auto-pay but it was MY fault. I had to call and fight with them to refund XXXX payment. Since then, I have had to call them every single month after I've made a payment because something is always incorrect! Wrong amounts, always to the detriment of myself. This month however was the straw that broke the camels ' back. I prefer auto-pay, ( which comes out of a checking account ). I wanted to change that information to a new bank & I went to the account page at XXXX XXXX  2 weeks before my payment was due in hopes all information would sync by my payment. ( Their accounts page won't allow you to select more than one bank for auto-pay ). I always pay my entire bill each month, this month my balance was {$180.00} to come out of a XXXX XXXX checking account. That amount came out and so did a {$35.00}, ( minimum payment. ) from my XXXX XXXX account!! It made that account go to NSF status. It's constant with this company. I have noticed they change information on my accounts page such as dates, and dollar amounts and have deleted a month or two payments, which always return in time. I would say, " As if cooking the books! '' I spoke to a Supervisor today about refunding the {$35.00} along with {$25.00} NSF fees. Help, I know I'm not the only one they're doing this too.
Product: Mortgage

I have pulled my credit report from all three credit companies. XXXX  XXXX, XXXX  XXXX, XXXX XXXX ( XX/XX/2020 ). These credit scores came from Annual credit Report Request Services. In getting a mortgage for a home ( FICO ) USAA credit pulled ( Annual Credit Report Request Service ), XXXX XXXX, XXXX  XXXX, XXXX  XXXX ( XX/XX/2020 ). It's being report on my FICO credit report serious delinquency. The information from my credit report doesn't report serious delinquency so, where is the FICO score getting their information. I am a XXXX retire veteran who is concern. USAA and others gives you know dispute process or any understanding of why the scores are so different. In, fact, I have never been late before are during my chapter XXXX. I only filed Chapter XXXX because, of my divorce that landed me in jail in which, I was acquitted, and the Maryland supreme court overturned. I have personal credit with USAA and I have never been late on any payments.
Product: Mortgage

Simply trying to request Wells Fargo bank to bring down the monthly mortgage to more reasonable and affordable monthly payments. We requested this in our Modification application form that we filled out and sent with all pertinent documents required by Wells Fargo bank for the modification of our home loan. I just received an email from Wells Fargo bank that they closed my application for mortgage modification on XX/XX/2022, stating that there was " insufficient information ''. I disagree with this because all the documents were sent and I have file records of this completed. This is so very unfair how big corporate banks like Wells Fargo can do whatever they want. They received government bailouts and should be more understanding about how families are going through a lot of economic Challenges during this pandemic times. We are bringing this up to this Reputable organization With hopes we can A voice for others going through what we are experiencing. 
Thank you for your kind attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion has been requested to fix my personal file and has continued to destroy my credit health and fail to resolve issues for the past 2 years now. They haves sent letters stating the need information and when that information is sent they dont resolve the issue. They have sent letter saying they dont understand the request being made but the letters Ive sent specifically say THESE ARE NOT MINE, THESE ARE INCORRECT, THESE ARE TO BE DELETED. They failed to open disputes over the phone when requested and they have failed to correct invalid information. When sent XXXX credit file with all valid information they failed to investigate again. There lack of concern has now led to me being denied for a loan based on incorrect, outdated information and even while contacted they have still blamed the me for there lack of investigation and said its my job to call all the companies
Product: Debt collection

I fulfilled our XXXX contract with storage company and we gave him his 30 day notice per contract. The owner harassed us our entire contract because I stored a atv along side my boat and he wanted extra money for same space. A storage unit is just that?
Product: Debt collection

I have asked this company to stop calling me as the debt is now not under the orginal creditor and they keep calling me during owrk hours when im using my phone for calls, and they call upwards of three times a day
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint with these bureaus XXXX, Experian, and XXXX to conduct disputes on my credit report for these following actions I'm about to thru attachments. It's been 90 days and I haven't heard anything back nor has there been any changes to my credit report. I just want these issues resolved so I can move on to further ventures with my credit. Please And Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

******CPFB***** This is regaurds to an account that has a few late payments that is on my credit report, it is reporting as joint when in fact I was never ever a joint member on this card, I have tried numerous ( more than 10 times per bureau to explain that I never once filled out an application via Phone, nor in person or by mail.I have asked for some sort of proof as to why they keep updating the file as apposed to deleting it and I get nothing.I have disputed the file so many times and each time they say that they have ammended some part wich the file is not large enough for them to have done So.The part that really gets me is that i am not claiming no affileation to the card I was suposed to be listed as an authorized user on the card I never had a card it was only to benifit my credit I was never ever responsible for the bill XXXX XXXX the primary was. They even had personal info on my file that was incorrect claiming i had an address in alaska and one in florida wich i have never lived at either address, This Account in question is a XXXX credit card for {$25000.00} the XXXX XXXX payed off I had nothing to do with it I do not so much care if the card has to stay for how many ever years but i should not have to suffeer the impact from the missed payments please advise XXXX XXXX, Experian, and XXXX to remove the late payments or theaccount all together since I am placing my cries on deaf ears dealing witrh the unresponsive credit Bureaus thanks in advance
Product: Student loan

I currently have student loans through Navient formerly XXXX. I have received no help from Navient for the past 3 years since having my bankruptcy discharged. Before filing the bankruptcy, I was dealing with XXXX once discharged I had to resume payments to now Navient. I have been threatened continuously, told that I have exhausted any deferments or forbearances ( all done prior to the bankruptcy ) and was just told that my payments were going to go up even with me renewing the 'income driven repayment plan '. They do not currently have my current earned income. Mid-year last year, I changed jobs. I am making less money than I did at the time of the last application. I heard on the news about the Feds coming in and suing Navient for being dishonest in how they apply the payments. I am currently trying to get away from Navient and applying for a loan consolidation and loan forgiveness through the US Dept. of Education. I need help. I have been paying on this loan with no help from Navient, money is tight due to my health and finances and every time I deal with Navient, I start to cry. There is no need to add undue XXXX to what I am currently going through. The school is no longer open that I attended 20 years ago. I really need your help. Are you able to suggest a servicer who can help me? According to the US Dept. of Education, they can not give me much information. I have to wait for confirmation of my social before applying online through studentaid.gov for my loan consolidation. I have to pick a new servicer and would like to make the best decision possible for my situation. My current payment is {$190.00} due on the XX/XX/XXXX of every month and Navient has threatened to increase it to over {$400.00} by XXXX. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active 7 year Consumer Statement to contact me before extending or allowing access to my credit report on each reporting agency of XXXX, XXXX and Transunion and to contact me at XXXX or XXXX before extending Credit or access to my Credit Report. 
I have had Identity Theft twice on my and my wife 's Credit. 
It has been in place XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In spite of these Consumer Statements all three agencies have Hard Inquiries on my Credit Reports. I have not being accessing credit as I already have a Mortgage and have only 2 items I have 3 legitimate Hard Inquiries. 

I was unaware until recently and need these Hard Inquiries removed : XXXX has 14 Hard Inquiries with only one being legitimate. XXXX has 18 Hard Inquiries with only 2 being legitimate. Transunion has 16 Hard Inquiries with only 2 legitimate Hard Inquiries. Credit Reporting agencies are ignoring the 7 year Fraud Alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a loan that was paid in full by XXXX XXXX XXXX XXXX XXXX as I did A refinance on vehicle. Yet XXXX is still reporting the account open and recently reported account late even though account is CLOSED but its not reporting as CLOSED paid in full with the XXXX credit reporting agencies. XXXX is falsely reporting inaccurate information on this account which is negatively impacting my credit
Product: Debt collection

I have asked Diversified Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full however this company is still reporting on my credit report as being in collections
Product: Debt or credit management

Credit glory was the company taken care of disputes And every month for the last 7 months I was spending money to have charges removed off my credit report and nothing much has been done. They would call me every day about a missed payment but was not following up on their end. In my opinion.