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 fee I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charge and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these prescribed are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Its been 8 days my account is blocked and when Im going to the bank the manager told me call customer service and when I call customer service customer service told me talk to the manager I cant go to work I cant go to school Im stressed Im not ok I have XXXX Im not ok Im sick Im crying everyday because I cant do anything I cant bought anything I cant pay my bill TD BANK BLOCKED MY ACCOUNT FOR NO REASON AND I NEED TO TAKE OFF MY MONEY
Product: Debt collection

XXXX bills filed through this company for medical bills. Both have been paid off but my credit report does n't reflect this.
Product: Checking or savings account

On XX/XX/XXXX I used a bank of America atm to deposit cash/checks that needed to be in account before the next morning to pay rent, bills, ECT. I normally wouldn't deposit that much cash in atm but it was important it was in account immediately. 3 of the 4 atms were frozen and the atm I had used never disbursed a deposit slip after I deposited a check for {$220.00} And {$3200.00} CASH. Upon checking account again for my deposit I then received a debit card alert. I was unable to get ahold of anyone of the weekend and the usual verification text/email that I get to verify my account never came. I spoke to three reps on Monday XX/XX/XXXX and was informed by the final rep at XXXX that the atm i had used had a lot of fraud in the area and that is why I received debit alert. I was told my deposit would be disputed and investigated up to 90 days and I should be receiving my {$3200.00} CASH back. I decided to keep account with bank of America closed and opened an account somewhere else as they have been nothing but problems this past year I received notice that I have a negative balance of {$490.00} on my account which is false. Wht would I owe anything as I haven't used the account and they informed me checks from a catering job I had done recently were written on a closed account. If this is the case it is their responsibility as my bank to help me dispute these checks and protect me as a customer. They haven't done so. Now I am being told by my employer they are holding the funds of my direct deposit he has requested to be reversed. This is against the law as my employer should not be punished in any way shape or form for my account issues and if the account is closed they are to return the funds to sender. My employer paid me with a personal check up on reversing direct deposit and now he is out {$170.00} And I did not receive my paycheck this week because of this and still owe him for another 4 hours. Bank of America needs to own up to their mistakes and pay me and my employer back for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card was listed as a charge off on my credit report. However I disputed it multiple times before it became a charge off so they sent me letter stating they would take less. So I paid a small portion just to get the card off my credit report. It's been a long time and I asked the representative that I talked with over the phone if it would be removed and she said it would. I don't understand why it hasn't been. This was not my card and was the result of fraud.
Product: Debt collection

This Company Continuously calls me and harasses me even though I've asked them to stop multiple times about a debt that I'm not aware of on XX/XX/23 I received a call from this company claiming they sent me an email about a debt that I never got and that I'm not aware of the lady was extremely rude threatening me that I have 30 days to pay this debt or they will be adding it to my credit report, they are threatening to damage my credit report and improperly use information about me. I will be filing a complaint with the XXXX  about this company.
Product: Credit reporting

I was set up to receive my XXXX statement online. I did not receive my statement ( second time this had happened ) one month. When I received my statement the next month and saw a past due I immediately called and was told if I paid the balance due over the phone ( approximately {$30.00} ) I would have a XXXX balance, so I did this. 
The next month I received another e-mail from XXXX and believing what the representative had told me the previous month ( XXXX balance ) I did n't bother to open the e-mail. When I received another e-mail the following month I opened it, called and got into an argument with the representative, paid additional monies ( service charges ) and asked that the account be closed. 
Recently a banker told me that XXXX jumped me straight to 90 days and that I should dispute this. I have a flawless credit score except for this one charge.
Product: Debt collection

I have been called XXXX by XXXX XXXX XXXX for XXXX past XXXX weeks ( XX/XX/XXXX ). XXXX calls from every area code across the country and uses a different phone number every time. No matter how many times I block a number, XXXX calls back on a new number. 

XXXX is claiming I owe over XXXX in debt to XXXX Credit Card. Which is absolutely false. I have contacted HSBC in the past to verify there is no debt. This is the XXXX time in the past XXXX years this company has called me claiming I owe money on a credit card. Absolutely nowhere does this debt show up on my credit report. The credit card company they claim I owe money to has no record of me owing them any balance on a credit card. I have NO account with HSBC! I asked XXXX for copies of what they had, showing I owed any debts. They said it was mailed to my house. I've never received any mail from them. I then asked for them to email me a copy of the paperwork. The woman from XXXX asked for my email address and said she'd email it right over. Of course, nothing as ever sent to me. BECAUSE THERE IS NO DEBT. 

When they called back in XXXX, they told me the account was open in different years from what they are now claiming. The dollar amount from what I remember is fairly similar. I believe I was removed from the scam list after I told her to XXXX XXXX she told me the same. She hung up on XXXX and then called XXXX back and said, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then hung up on me again. 

They are claiming no payments were made since XXXX on an account I opened in XXXX. I did not open any new credit cards during this time period. My dad passed away, my best friend was XXXX, I feel like I probably wouldn't have opened a credit card during this period of my life. 

They tried scamming me again a year or XXXX ago with the exact same credit card scam. 

I have no fraud on my credit report, so I know no one is using my information. HSBC doesn't even show up on my credit report as a past or present debt. Make it make sense.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to letter dated XXXX XXXX ( Shop Your Way Mastercard Account ending in XXXX Citi Reference Number : XXXX ), My sears mastercard limit was lowered from XXXX to XXXX was never sent a letter telling me my sears account was lowered.I found out my sears credit was lowered when i used it at the the sears auto center for car repairs.That was embarrassing.In the letter dated XXXX XXXX, It states on XXXX XXXX my sears was converted to shop your with terms and conditions.I never received any paper work, terms and conditions, or opt in/out paper work, etc..It also states in letter dated XXXX XXXX, '' This was a business decision and there was no opt out option for our customers. 
Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit '' .I do not accept this letter as confirmation on change in the account number.Recently, i called citi bank and spoke to customer service and spoke to " XXXX  '' CSR XXXX and i stated to her to produce all letters to me for shop your way card, sears lowering credit limit, etc., that was sent to me and XXXX  stated that she cant produce that info to me.Also, there was no letter sent to me in XXXX citing closure of account.I totally disagree with citi bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with XXXX XXXX XXXX XXXX XXXX which I accidentally overdrafted in XX/XX/XXXX ( used checks from the wrong account ). The account went into collections with Kinum , Inc. out of XXXX XXXX, Virginia. Kinum reported the amount ( {$2600.00} ) consistently on my credit report through XX/XX/XXXX. On, XX/XX/XXXX, the full amount was withdrawn from my personal account paid to Kinum directly via ACH ( Auth # XXXX ) with promise from them that they would notify the credit bureaus and also XXXX XXXX that the debt had been paid. Since that time, they have stopped reporting to the credit bureaus ( nothing since XX/XX/XXXX ) altogether and my credit report still shows an open account with unpaid balance, but have also never reported the payment to XXXX XXXX via letter or email as they stated would happen. Additionally, XXXX XXXX still has not received the funds. I've called Kinum multiple times and their excuse changes each time. I've notified XXXX XXXX, but they can't do anything about it as it is in the hands of Kinum. At this point, it is clear Kinum has perpetrated a fraud and is holding the funds without consequence. 

Kinum, Inc : ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN DISPUTING THESE ACCOUNTS FOR A FEW MONTHS NOW AND THEY STILL APPEAR ON MY CREDIT REPORT.
Product: Mortgage

My XXXX mortgage loan was issued on XXXX loan on XX/XX/XXXX for amount XXXX and on XX/XX/XXXX my loan trasfered to Nationstar mortgage now my balance is {$580000.00} and when I ask the customer service how my mortgage balance increased by {$120000.00} they said since its transferred from XXXX XXXX they have no idea and I would like the consumer protection bureau to investigate the matter
Product: Debt collection

I received a bill from Great American Finance stating that I owe {$3000.00}. I called and emailed multiple times to report this as a fraudulent account since XXXX XXXX but have gotten nowhere in resolving this matter. I first called on XX/XX/23 and was told to send an email with my information to their administrator and I would hear back. Its now XX/XX/23 and I still havent heard anything from them. I called again asking for help and the representative XXXX actually hung up on me
Product: Debt collection

XXXX XXXX XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

On XX/XX/2022, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. XXXX XXXX XXXX and XXXX XXXX have failed to validate the debt of {$7700.00}. According to case law XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX is also in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report as a means to negatively affect my future consumer transactions and swindle me into making payments in order to remove the account from my consumer report. Again, I do not give XXXX XXXX XXXX or XXXX Funding permission to report a collections account for the amount of {$7700.00} for account number XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities and according to XXXX law, this includes reporting to the XXXX credit bureaus XXXX, XXXX, and XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Product: Mortgage

Carrington mortgage has been habitually tacking on " uncollected fees '' I bring my account current, and it states your next payment is due on the first of the month. The interface is designed in such a way not to show any outstanding amounts, but I continually get this 'uncollected fees ' with no provenance or explanation as to what these fees are. Speaking to frontline agents or managers has been useless. I registered a complaint with the escalations department, and the resulting letter was we don't see a problem here. I have never received an explanation of what an uncollected fee is. Carrington Mortgage needs their business practices audited, if this is happening to me it's probably happening to someone else.
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 XXXX XXXX XXXX. 

Account XXXX : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently had a derogatory remark added by a rogue debt collector called XXXX XXXX on my credit report. After attempting to notify and collect information on the debt, XXXX XXXX failed to provide information that would validate that I owed any debt and I asked them to provide further information if they had it, which they did not because I did not hear from them again. 

Weeks later, I see a hit on my EQUIFAX credit report showing a debt outstanding with XXXX XXXX and immediately disputed it. After a few days, EQUIFAX responded that the debt is valid and not being removed from my credit report. 

I then spent the next eight days attempting to contact EQUIFAX about this and ask them to provide any correspondence or evidence that was provided to EQUIFAX by XXXX XXXX, since EQUIFAX claimed the debt is mine, so surely they received information to prove this. 

After days on the phone with customer service and emails sent to XXXX, along with their CEO XXXX XXXX, several VPs and Customer Service Manager XXXX XXXX, I was ignored and promised I would be contacted from someone at EQUIFAX but was not. 

I have also filed CFPB complaint against XXXX XXXX and the original company that XXXX XXXX supposedly purchased the debt from. 

This false, derogatory, and incorrect information needs to be immediately removed from my credit report
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX I got charged 8 overdrafts fees to my personal account totaling {$270.00}. I called on Saturday XX/XX/XXXX for help on removing the fees, because after the pandemic my life changed and I have been thru financial hardships. My time is limited, I have XXXX kids and XXXX jobs. When I called the associated said he could help me with 3 overdrafts because that was the max allow in 1 day, that I had to call back to get help on the other fees. I called today, lost my time to find out that I was lied on, they tell me 3 is the maximum allowed in an entire year. I spent 1 hour today on the phone to solve nothing. Chase is very black and white where they allow 3 and they don't care about what situation you are having at the moment. I explained I usually transfer the money as soon as I get a negative balance alert, however I explained I had a situation where I couldn't be on top of my accounts as I usually am and also amazon transactions were those subscriptions where of course I didn't have the time either to be cancelling those transactions because what was going on. I would like the rest of the overdraft fees removed.
Product: Credit card or prepaid card

Dear Sir, I have been member of Bank of America Individual Credit  Card since XX/XX/XXXX. I have called up Bank of America customer care and informed them to close my individual credit card at consumer request effective from XX/XX/XXXX. Bank of America closed my credit card on XX/XX/XXXX as requested by me. During my conversations with customer and written letters from  Bank of America, it has been mentioned that Bank of America may allow such as internet service provider, health clubs or insurance companies. when the card is closed, how does bank of America allow any transactions?. I have never ever used my individual Bank of America credit card for anything like internet service provider, health clubs or insurance companies. If someone use my closed credit card for any kind of transactions or bills ( service provider, health clubs or insurance companies ), this will be considered as Identification theft and will be communicated to FTC and Law Enforcement officers by filing the official complaint. Closed Credit card should not be allowed for any kind of transactions or bills, first of all I never used bank of America credit card for any kind of bills and only used for Balance transfer and committed Balance transfer amount, I have been paying monthly as agreed. I am not using this closed credit card and also not authorized for any kind of transactions. I am only using online credit card account to pay monthly payment till the complete balance is paid off. Monthly statements should be sent to me and allow me to pay the monthly payment for remaining balance. Since account is closed on XX/XX/XXXX, Any transactions in this account will be considered as identification theft and  unlawful. I also requested Bank of America to close the credit line and make to XXXX  so that there will not be any transactions in this account. Could you kindly direct Bank of America to close my credit line to XXXX  and not to allow any transactions ( since XX/XX/XXXX ) on my closed credit card, I am only allow to use online account to pay my monthly payment till it gets completely paid off. For any kind of transactions on closed credit card, Bank Of America is going to be legally accountable and responsible.
Product: Bank account or service

I had identify theft back in 2007 a citibank account was opened for me through my first job. The day before i got paid i lost my wallet with my information in there..i made a report about it to citibank but have n't gotten no help..then i opened a XXXX account so i can get my paycheck deposit there..but i guess the person that had my information from previous situation had gotten a hold of that account..and opened numerous bank accounts in my name and this destroy my credit to the point I ca n't open no bank accounts..i read online it takes 7 years to renew or able to open another bank account its been 10 years with my situation and i still ca n't open a bank account please help me.