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

I would like to file a complaint against Navy Federal Credit Union regarding several overdraft fees I have incurred. Even though I had sufficient funds when transactions were authorized, I was charged fees due to delays in the posting of charges and credits. This issue aligns with the recent findings from the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and I would like to request an investigation into my account transactions.Thank for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the inquires that are my credit profile that I didn't authorize XXXX XXXX XXXX - XX/XX/2021 Capital One - XX/XX/2021 XXXX - XX/XX/2021 XXXX Premier - XXXX XXXX Capital One - XX/XX/2021 XXXX
Product: Money transfer, virtual currency, or money service

Chase block my XXXX  and flag me as fraud over {$75.00} dollars. XXXX is design to receive and send money. I used XXXX as follow but chase bank flag me as fraud and stop me from using XXXX  with other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

After chapter XXXX  filing was completed, I opened a new credit card with XXXX XXXX XXXX. I used it for a couple of month, but I decided to close this account since their customer service quality is too low and payment system was very inconvenience. 
I closed it on XXXX, 2019, but I found they put incorrect information on my credit report as " discharged from chapter XXXX filing '' It is non-sense because this account was opened after my bankruptcy. 
I had tried twice to correct this information thru Experian dispute, but it still remained on my report. 

Please help me out to remove the incorrect status for this closed account asap.
Product: Credit card or prepaid card

I was scammed by a scam outfit that claimed to be from XXXX and would help me fix my PC that had been compromised. They told me that my bank account had been hacked for XXXX and I would need to have them fix it by using XXXX worth of gift cards to void out the transaction. Reading this now, I shake my head, but they had me under so much duress, I could not think clearly. I went to XXXX to get the gift cards. I tried first with a XXXX XXXX XXXX XXXX. Denied. Then tried with XXXX XXXX XXXX XXXX and they went through. I gave the scammers the numbers.I went home still on the phone with them and my wife had just returned fro. Work. She knew right away it was a scam and hung up on them. We immediately called Barclays to report the incident. The woman told us that the charges did not go through and had a fraud alert on them. She cancelled the transactions and issued us a new card. She told us we were all set. We were so relieved. This occurred in XX/XX/XXXX. On XX/XX/XXXX we were informed by Barclays the charges had been reinstated because I clearly was the purchaser. 
The XXXX web site talks about gift card scams and that their employees are trained to identify. Evidently not the employee that watched me get these cards. Now that I am learned about this scam, no credit card company should allow large purchases of gift cards or multiple, as mine was. I feel that they both should.be held culpable and let them eat their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrect personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I  am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency  have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous account
Product: Bank account or service

On XXXX XXXX, 2016. I went online and removed the overdraft protection from my bank account. I received an email from Suntrust that stated. This notification is confirmation you have chosen to remove Overdraft Coverage from your account ending XXXX for ATM and one-time debit card transactions. This change will become effective within two ( 2 ) business days, On XXXX XXXX, 2016, Suntrust paid a transaction for me for {$1000.00} and I was charged a {$36.00} fee for this transactions. In addition, I have XXXX other {$36.00} fees. I did not authorized Suntrust to pay this. It was my mortgage payment but I plan to make arrangements with my mortgage company so I would not be in the hold. I expected the check to be returned unpaid and that what I wanted to do. Now my checking account is in the negative of {$1600.00}. When I get paid and my check is direct deposit, this is going to take my entire check and I am going to be in a lot of financial trouble. I can not afford for this to happen. I was just in a car accident, I have medical bills to pay and other utility bills to pay. I never expected this to happen and that Suntrust would pay this since I cancel the option or did not ask them to. 

In addition, I had Suntrust investigage charges of {$200.00} taken out of my account from a Health Club that took out the money to early. They basically did not do anything and said that the business did not wrong. I gave the documentation stating when it should have came out and when it actually did. Also, have since cancelled the service with the company. The company sent me an email showing that they could not find an account for me. I sent this to Suntrust also as part of my documentation. They still did not help me get my money back. I am tired of the fees that I am being charged and the bank charging even {$36.00} if I have a debit amount for {$13.00} that some how get paid.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I reached out to XXXX XXXX XXXX  letting them know that XXXX XXXX XXXX XXXX XXXX XXXX brought my car and I was no longer the owner of the XXXX XXXX XXXX with XXXX # XXXX in which was traded on XX/XX/XXXX. XXXXXXXX XXXX reported to Experian, XXXX, And XXXX that I was XXXX  days late on my payment in which this reporting is inaccurate, I have always been in " good standing '' with my auto loan with ally finance since buying the car and I want this reporting deleted and or updated to on time payments and " Paid as Agreed '' because it is not acturate please update this admittedly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  Account Balance : {$11000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

The response was do to my late payment the interest went up
Product: Credit reporting or other personal consumer reports

This is my second time contacting Transunion fraud dept and special handling team about these inquiries on my credit report. I called on XX/XX/year> and talked to a representative about this matter and gave them the complaint number from the previous complaint from the CFPB. The agent lied and stated that the CFPB was phony, and it was not a real complaint. They lied and needed to be dealt with. They are not compliant and not following the rules of the fair credit reporting act XXXX Inquiry added on XX/XX/year> XXXX  Inquiry added on XX/XX/year> XXXX XXXX Inquiry added on XX/XX/year> XXXXXXXX XXXX Inquiry added on XX/XX/year> XXXX XXXX Inquiry added on XX/XX/scrub> XXXX XXXX
Product: Vehicle loan or lease

Was told we could qualify for SCRA by XXXX XXXX  as well as XXXX XXXX XXXX. Lending company sent documentation stating I could attach a copy of my XXXX  ID as well as XXXX  orders to show qualification and we could move forward. A month later was denied, and told to send in more documentation, personal information from my husband. We sent in documentation after what was asked and told that was still not enough that even though he was XXXX XXXX on orders, it had to be " temporary XXXX  orders '' like a XXXX or we did not qualify??? Every time we call I get a different answer, and the receptionist keeps telling me that it was notated I was extremely rude when in fact I am frustrated and trying not to loose our family car. I have literally begged with this company to help me.
Product: Debt collection

I submitted a previous complaint recently regarding a debt collection placed which was erroneously upon my credit report. I noticed it on my XXXX XXXX app. It was from CCS Collections for {$86.00} for a bill from XXXX. CCS replied to my complaint and stated they would investigate it. In their reply, they said they mailed me letters. I told them I never had XXXX, did not owe XXXX, and that I have a common name and that this has happened before. They then sent me a letter to my home wanting payment. The accompanying documentation they sent me was for a XXXX XXXX who lived on XXXX XXXX in XXXX. I've never lived in XXXX. So, on XX/XX/23 I called CCS and they asked if the last XXXX of my SSN was XXXX. It's not. They then asked me if my birthday was such and such and that wasn't my birthday. I've attached a screenshot of my XXXX XXXX app showing the debt collection.
Product: Credit card

I had a direct payment on line issued on XXXX/XXXX/16 to Goodyear Credit Card/Citibank. My bank showed that payment was made and received on XXXX/XXXX/16, which was due on XXXX/XXXX/16. I received my Goodyear bill on XXXX/XXXX/16, showing payment was never made. I reviewed my on-line account and it showed payment was made and cleared. I contacted my bank and they are looking into it, as the account number is correct. I contacted Goodyear/Citibank and advised them of same, asking them to not charge me the late feel. I offered to show them my bank statement advising of same, but they refused to credit the late fee, stating my payment was late, apparently not even reading my email. I went on line to Goodyear directly, after talking with my bank and made a payment to avoid another late payment. Please assist me in getting my late fee reimbursed, as the payment was made timely, it was an issue with my bank sending the payment. 
I tried to attach my history of payment, but the website would n't let me attach anything
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating my consumer right to privacy, pursuant to 15 U.S.C. 1681a 602.4. Company also has NO permission to report ANYTHING using my information, pursuant to 15 U.S.C. 1681b 604.2.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. 

The fraudulent account appearing on my credit report is XXXX. 

I only ever opened two accounts in my lifetime and those are XXXXXXXX XXXX and XXXX XXXX  card, whatever else showing on my Credit file is not mine and is direct result of Identity Theft. 

XXXX and XXXX removed the fraudulent above account but Transunion failed to do so and did not even respond to my inquiry. 

Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act.

I have attached the Police Report and proof of my identity to this inquiry.
Product: Student loan

I graduated University XXXX XXXX in XX/XX/XXXX during this time XXXX kept pressing to take out more loans putting pressure on you in order to graduate. After graduating the job market fell I could only afford so much but XXXX XXXX now know as Navient kept pressing me to put it in forebearance. I had to do that up until XX/XX/XXXX when I finally got a job and I have to keep calling and spending a lot of time on the phone to keep my payments low. They asked for {$180.00} a month so I was paying {$200.00} with my last payment as of XX/XX/XXXX only to receive an email stating that my payment was due. I checked the website and I also called to find out that my payment had been reinstated and that aTotal Payment Due : {$800.00} Current Amount Due : {$500.00} and I have a Past Due Amount : {$290.00}. The customer service rep I talked to said that my 2 year lower payment time was over but I had never received any notifications from them and they always add late fees and if adding up late fees from all the previous times they have done this to me it will add up to over {$2000.00} in late fees when I was never late with one payment. 

This does not include the fact that they increased the interest rate from 2.65 % to 6.8 % so when I asked about that she stated that is because I could not pay the amount they want for 6 XXXX loans they carry. When I commented on the interest and stated to this rep " So they pretty much just raise the rate when they feel like it because you can not pay the large payment they request every month '' Her answer was yes they do so I think they need to be investigated for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been asking Capital One and XXXX XXXX update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with XXXX  credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized Capital One and XXXX XXXX to open an account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts 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 accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX : {$710.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX : {$460.00}
Product: Mortgage

Sometime in XXXX XXXX XXXX XXXX 2022 my mortgage was transferred without my knowledge from XXXX XXXX XXXX XXXX XXXX California to Fay Servicing in Chicago. I then recieved a letter from Fay Servicing dated XX/XX/2022 which contained my XX/XX/2022 mortgage check for {$1000.00}, which was of course made out to XXXX XXXXXXXX XXXX, since I was never notified about the transfer. 
So I immediately sent Fay Servicing a new check for my XX/XX/2022 mortgage made out to Fay Servicing plus an additional check for my XX/XX/2022 mortgage payment, both of which they have declined to credit to me or even acknowledge in any way. I did ask them when I sent the payments to please send me a Fay Servicing account number and have not heard from them at all, one month later. 
Am elderly and this is causing me terrible stress to the point that it is making me physically ill. 
Would so much appreciate any help you can provide me with this. I know it is illegal for them to reject my mortgage payments and now I am getting ready to send them the check for XXXX 's payment. Not sure what to do at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are saying I was past due 30 days with XXXX. I was never late with them I've complained to XXXX and they stated I was never late both verbally and by letter. I dispute over and over. XXXX responds everything reporting is correct never late. Transunion responds everything reporting is correct 30 days late. I've called XXXX and they stated they would send statement as such to Transunion but they still will not remove. I've tried everything but you or an attorney
Product: Credit reporting

XXXX submitted a removal request through XXXX for an account in collection. Equifax has yet to remove this collection account.
Product: Credit card or prepaid card

I continue to experience issues with this bank 's mobile and online payment feature function. On XX/XX/2021 ( two days after my payment was due ), I contacted the bank 's Customer Service and Technical Support divisions to determine the source of the errors and make sure my account was current and in good standing. I have had the account for nearly ten ( 10 ) years. I was told the late fees and interest would be waived. Today XX/XX/2021, I noticed that the late fee was waived but the interest of {$14.00} was not. I spoke with three representatives. XXXX, ID number XXXX was rude and told me to close my account if I was not happy with the interest fees but they would not be waived as there was no notation of recurring technical issues with the payment function ( s ) on my account nor was there any indication that late or interest fees would be waived on XX/XX/2021.
Product: Credit card

I regularly use PayPal services to pay for XXXX purchases. When you are checking out with PayPal to purchase the XXXX item, you are given choices of how to pay, such as credit card or from your bank account. For credit card, you have the choice of a credit card you previously had or, PayPal offers its own. PayPal makes its own card the default payment mechanism, which I resent and am well aware of. I never asked for a PayPal credit card. I have never wanted a PayPal credit card. I have never received a PayPal credit card. I have never activated a PayLap credit card. I have never used a PayPal credit card. In short, I have never wanted anything to do with PayPal credit cards. Yet, a few months ago I received a purported credit card bill from PayPal with alleged charges. I immediately called PayPal and informed them of the above and that the charges were fraudulent. I have continued to receive PayPal credit card bills, through Synchrony Bank, XXXX. XXXX XXXX, XXXX Florida XXXX. These bills have been adding steep interest and other fees on top of the original fraudulent charges. When I received the last bill, I called Synchrony bank and informed them the charges were fraudulent and the interest charges unjustified. I informed them I would not pay either. Yet, I continue to receive new bills. I am sure at some point they will turn the bill over to a bill collector and try to ruin my credit. Please begin an investigation into this matter and order PayPal and Synchrony bank to expunge all charges, delete forever a credit card I never asked for, and order them to agree not to pass on any information about this to either a bill collector or a credit rating agency.
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted 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 The following account does belong to me, however the dates for the lates are incorrect. 
XXXX XXXX XXXX