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 that these practices are unfair and request an investigation into my account transactions. Navy Federal is also listed on my credit report and that serves as proof that the account existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple credit inquiry i never initiated and as a victim of identity theft, i had a fraud alert placed on my credit report which requires 1. i give a written consent before my credit is pulled. 
2. i be called before my credit is pulled. 
3. credit report should stay as much a 6 months, but we also have 11 Pulls within a 1 month span from an individual company ( XXXX ), XXXX XXXX pulls within a week span. 

none of the above fraud prevention measures were followed according to FTC rules, attaching fraudulent pulls below and should be investigated and deleted Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX i have attached 2 police reports from City of XXXX & XXXX XXXX to further make the case that this is a result of identity theft and upon failure to delete these, i would have o choice but to proceeding with legal actio against Transunion XXXX already deleted these as a result and so has XXXX. 

thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a United States XXXXXXXX XXXX My sir name is incorrect, I am a JR, not a THIRD or a SR.
Product: Credit card

I have been contacted by XXXX LLC via letter. They are requesting payment for a 2007 XXXX XXXX credit card. The debt was sold from XXXX Bank to " XXXX XXXX XXXX ''. his debt has since passed the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted XXXX XXXX  and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.
Product: Credit card or prepaid card

I have business and I try to open credit Card Citi Bank Costco, but I always get a refusal even if I have a good credit level ( on XX/XX/2021 XXXX  XXXX, XXXX  XXXX ( see attached ) ). Bank unable to approve application because : " A bankruptcy was recorded on your credit bureau report ''. 
I consider this to be complete discrimination, if a person had bankruptcy for life reasons, in my case there was a business robbery, this does not mean that I am no longer a person and do not have the right to receive credit cards at the same time other credit companies open credit cards without problems. 
Application ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give my support. My email is : XXXX, my cellphone is : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an address on my credit report that is not associated with me. The address in question is : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX I have never lived at, used, or been associated with this address, and its inclusion in my credit file is inaccurate. I request that this incorrect address be removed from my credit report immediately, as it does not reflect my credit profile or history.
Product: Credit reporting or other personal consumer reports

XXXX remains in violation of code XXXX XXXX XXXX XXXX XXXX XXXX, which states a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

XXXX refuses to comply with the law, in which they didn't delete all listed fraudulent accounts no later than XXXX days, but instead simply updated each account with remark codes- reinvestigation in progress. THIS IS UNACCEPTABLE. 

PLEASE NOTE : A REINVESTIGATION IS NOT THE REMEDY TO IDENTITY FRAUD, DELETION IS. XXXX consistently violates my rights as a consumer and is operating in violation of XXXX XXXX. 

Furthermore, XXXX complied with all legal requests and deleted the fraud accounts listed, but still have not deleted the listed fraudulent Inquiries. 
XXXX refuses to delete anything, and Experian is in alignment with XXXX on not deleting accounts & Inquiries.
Product: Student loan

Navient improperly denied my IDR application as " too early for recertification '' when I am clearly requesting a new IDR plan. 

Navient is failing to act in good faith. They are fraudulently seeking to collect more money than what is owed rather than process my IDR plan as required by law. 

They are impossible to communicate with or work with. You can not call, or otherwise communicate with them in any meaningful way.
Product: Vehicle loan or lease

Before I put complaint whit XXXX XXXX my balance was in XXXX ... XXXX ... now XXXX XXXX close my complaint after 6 months and my balance is XXXX, each payment is XXXX ... ..if I do n't put the complaint whit XXXX XXXX this company go in to still my money ... .image if they do this to each costumer ... .the company name is credit acceptance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says they investigated a bankruptcy that isnt mine thats on my credit report. They first stated months ago that they got the information from XXXX XXXX, once XXXX XXXX  deleted the account they then sauced they conducted an investigation which is a lie. According to 15 usc 1681a- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

I want to know who experian spoke to that knows me personally. This is a direct violation of both the FDCPA and FRCA. My next step is to report this to my states attorney general.
Product: Student loan

My loan was issued almost 10 years ago now ; and at it 's start, I chose a payment plan that paid the principal and interest off in 10 years. 9 years later, making all my payments, the principal has barely gone down! My monthly payment is quite large and gretaly impacts my family 's budget. Right now, it appears I could be paying for my education for the rest of my life. Recently, I asked ( income based plan/forebearance ) because I am currently unemployed, I was given a short forebearance but have since received threatening letters about payments. Since that time, my father ( cosigner ) applied for credit and was informed that his FICO score had been negatively effected by the forebearance, an implication that was never explained to me by the Navient representative. I called two weeks ago and asked how much money I needed to pay to make the * 3 times daily* phone calls stop. The rep gave me an amount and I paid it in full over the phone at that time. Now, two weeks later, Navient sent my father a threatening letter demanding more money. I will be paying that amount today because I do not wish to harm mine or my father 's credit any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company listed as ALLSTATE CREDIT BUREAU INC has fraudulently did a hard inquiry on my credit report posing under the guise of being a credit reporting agency and they are in fact not. They also list themselves as a lender or bank which they are in fact not. I have reported this with XXXX as this is the only place I have seen don't do a hard inquiry so far however that is because on XXXX I have a temporary freeze on my account and on XXXX I'm going to place one as well. I am unable to freeze my account on XXXX because it charges a fee to do so. This company is out of XXXX XXXX Michigan I have attempted to contact them and nobody ever answers the phone number that they list. Further research online shows that they have done this to other people and it's fraudulent. I have no credit collections I have no outstanding bills and I do not know who this company is.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

amount was paid immanently after contacted. Prior to being contacted i was under the impression my dead line was at a further date.
Product: Debt collection

My XXXX bankruptcy case was never XXXX. I reopened my bankruptcy case in XXXX of XXXX and amended the file to include additional debt that I incurred. Plaza services was notified by the bankruptcy court on XXXX XXXX of XXXX. I have since also sent communication to Plaza Services in XXXX, on XXXX XXXX, and XXXX. I keep getting information stating that they deny my dispute and are continuing to try and collect this debt. I am trying to raise my XXXX XXXX and they keep reporting this as an active collection and I can not .get them to correct the debt to show as included in my bankruptcy. I have also contacted XXXX.
Product: Debt collection

XXXX XXXX claims that I owe them money for their service from XX/XX/2018. I have never in my life subscribed to XXXX XXXX. And I have had and maintain XXXX XXXX service at XXXX XXXX XXXX XXXX, FL. The debt is now with a collection agency called ERC and ruining my credit. I have tried to resolve it via disputes online to no avail. THIS IS NOT MY DEBT AND I WILL NOT PAY IT I have identity theft with the IRS as well and companies have breached my information. This is beyond wrong. 

Where was this service located?? Again, I have never owned a XXXX satellite or received their services nor anyone else in my home.
Product: Debt collection

SUBMITTED A COMPLAINT ON XX/XX/2018 COMPLAINT XXXX AND XXXX responded back and they sent over a bill with a incorrect address on the bill ... I XXXX XXXX never seen this address as it is listed on the bill from XXXX XXXX XXXX. the address listed on the bill is XXXX XXXX XXXX XXXX,, XXXX XXXX, ,XXXX XXXX   ar XXXX,, I have never lived at the alleged address,,, u can look at my credit file and that address is nit listed on my address with all three bureau,, this is not my account as that address is not assioated with this XXXX XXXX ... .please remove the account from my credit file,,, its it not valid to me XXXX XXXX , ,, never lived at that address.,,,, I have enclosed a copy of the bill that XXXX  XXXX as responded with,,, and that address is not XXXX XXXX ... .
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I ordered a XXXX XXXX sewing machine form XXXX XXXX. I was told it would be about 2 months before it would be delivered. To date, I have not received my order. I have been in constant contact with XXXX XXXX. Each time I am given a timeframe of either next week or next month. I should have cancelled when it didn't arrive when advised. On XX/XX/XXXX someone at XXXX XXXX called and said it would be next week. Then they said it would be next month. They have continuously given me false information. I spoke to XXXX and told her I wanted to cancel the order. She said please don't do that. I told her that XXXX, the owner, needed to call by the end of the day or I would call USBank and cancel. I called at XXXX and spoke yet again to XXXX. Said XXXX was busy. I called back at XXXX- they close at XXXX. They would not answer the phone- they have caller ID. I left a message say to cancel the order, I would call USBank to cancel the order. I then called US Bank and explained. The rep said I was much more patient than she would have been. I received an email saying a conditional credit was issued. On XX/XX/XXXX I received a questionnaire from USBank for additional information. I then mailed it registered mail on XX/XX/XXXX. Tonight I received an email stating the conditional credit had been declined- to log into the account for further explanation - there was not message or explanation. So I called to ask why. They said that it was declined as the purchase was more than 2 months old. I told them they knew that when I called and filed the complaint. I was told there was nothing she could do. I explained that I was an excellent customer and never late, and even more, why didn't they tell me that when I filed the complaint. She again just said nothing she could do. I asked for management- she said no one was there- she would leave a message. 

Now I can't get my money back from XXXX XXXX as they won't even take my call and USBank won't issue a credit. 

I don't this is fair practice. USBank will have {$10000.00} of my money and yet I don't have the item. How fair is this.
Product: Checking or savings account

****not a duplicate complaint**** On XX/XX/XXXX, I deposited a check from XXXX XXXX into my Chase savings account. The following day, on XX/XX/XXXX, I discovered that my account was frozen when attempting to transfer funds from savings to checking. After contacting Chase on XX/XX/XXXX, I was informed that the entire account was frozen due to check holds, and I was advised to call back on XX/XX/XXXX to resolve the matter. 

Despite my efforts, on XX/XX/XXXX, I was told that the account remained frozen, and they needed to verify the check from XXXX XXXX I was instructed to call back the next day. On XX/XX/XXXX, during my call, I learned that my account would be closed if not resolved by XX/XX/XXXX. 

During the attempt to verify the check, I was informed that there was no associated phone number for XXXX XXXX in the Chase system, rendering verification impossible. I discovered that the funds would be held for 2 to 3 years and, if not verified, sent to the state. Despite my pleas, the representative provided no steps for verification and claimed there was nothing they could do. 

Having deposited all my money and transferred my direct deposit, I now face months without access to my funds, causing significant stress, inconvenience, and financial hardship. The lack of transparency in this process is deeply concerning. I was not informed about the need for verification until XX/XX/XXXX, with no guidance on completing this process or registering XXXX XXXX XXXX phone number. Additionally, Chase waited until after the check cleared to notify me that it was being held, which feels extremely predatory. Had I known sooner, I would have asked XXXX XXXX  to put a stop on the check with his bank. 

Chase 's verification process is flawed, and their phone number verification system is inaccurate. To verify the check, Chase must match XXXX XXXX XXXX name to a phone number in their system. Despite having his actual phone number, they refuse to use it, citing that " it's not verified. '' His actual phone number does not verify to him in their system, which contains wrong and outdated numbers for him. When I ask how to get a number verified or where they get their phone numbers from, they say they cant share that. 

I have made upward of XXXX calls, visited the branch, and filed a complaint with the CFPB in an attempt to find a path to verify the check. Every response I receive is that there is nothing they can do, and until they have a verified number for XXXX XXXX, they will continue to hold the funds. ( Though they cant tell me how to get his number verified ) I have proposed several alternatives, all of which have been declined : 1. Provide instructions on how to get his number verified. 
2. Both of us walk into a Chase branch together.

3. Provide a notarized letter.

4. Chase can contact his bank for verification.

5. Return the funds to him ( an obvious solution if they suspect fraud and won't release the funds to me ). 

Looking for any advice on how to resolve this. At this point it feels like Chase has taken the money and have no intention to release it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has posted an account from  XXXX   XXXX  stating I have a charge off for a auto loan. This information is not correct, nor did I have a balance when vehicle was returned to the purchasing dealer by another dealer.   I was not contacted by the bank at anytime that my vehicle was being taken bank by the dealership purchased at nor did the dealership contact me. Also if the dealer took vehicle back dealer should have paid off complete balance prior to receiving title back from bank.   how did dealership get title without paying off loan? When was customer offer a chance to pay any balance prior to truck being returned? Loan listed below.   XXXX   XXXX   XXXX   XXXX   XXXX  {$3300.00} Charged off account Fixed rate
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a complaint about my initial attempt to remove fraudulent items from my credit file. It is disheartening that I must address this issue, as the fraudulent items negatively impact my financial standing and creditworthiness. I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. My initial dispute was submitted with the required documentation, including evidence to support the fraudulent nature of these entries. However, despite my efforts, these fraudulent items remain on my credit report. 

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the fraud items : XXXXXXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX