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

I was with navy federal for over XXXX  years. I would have overdraft fees due to the bank not updating funds immediately letting me know my exact amount that was in my account resulting in overdraft fees. My account was also hacked and they stated that they investigated and it turned out not in my favor and left me with a massive bill as well as took one of my minors funds in the process. I even spoke with the department when i noticed it happened while at work to get everything situated. I had overdraft fees as well as disputed charges that were not done by me. The bank should have been able to see when i dispute charges i call to dispute as with my account you cant dispute online ( or i didnt know how to do it ). I reached out to even the CEO and higher ups with no response
Product: Debt collection

It happened while serving in the XXXX XXXX in XXXX or XXXX went to XXXX XXXX XXXX looking for a laptop, signed a reantal agreement for laptop was discharged from XXXX  in XX/XX/XXXX could no longer afford laptop, decided to return laptop to company and even had a signature required for when they received it they received their merchandise back. After that heard nothing from them until XXXX telling me I still own them money and I told the person I spoke too that once your company received their merchandise the contract is voided. I haven't heard anything back until recently which is around the middle of XXXX by mail stating that XXXXXXXX XXXX XXXX was trying to collect for a debt that was old and resolved and that the company had already been awarded judgment back in XXXX from XXXX Va without notifying me about it and that if I didn't pay what they wanted by the end of day XX/XX/XXXX that they would notify XXXX XXXX XXXX that I didn't pay and they would garnish my wages and freeze my account until they got paid.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I am completely clueless as to how they ended up there. I routinely check my credit report, but this time, I found unexpected discrepancies. I even tried refreshing the browser, thinking it might be a technical glitch, but the accounts remained. Im begging for a thorough review of the documents Ive submitted so that I can finally put this nightmare behind me.
Product: Credit card or prepaid card

On XX/XX/2021, I received an email from Navy Federal. The email offered to show what cards I prequalified for. After taking the steps to view the pre approved cards that I was eligible for, I decided to choose one and apply. I was then denied. Note : I currently have 3 cards with Navy Federal that are in excellent standing. My only reason for entertaining such offer was based on my good standing with Navy Federal and because the website informed me that I was preapproved.

Navy Federal has discriminated against me and violated my rights as a consumer. 
Pursuant XXXX5 U.S. Code 1691 ( a ) Activities Constituting Discrimination ( 3 ) **Reference 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) As a consumer, I exercised my right to apply, in good faith, considering my current relationship with Navy Federal banking institution. Navy Federal banking institution has undermined my confidence and would cease to function with the absence of consumers such as myself.

Pursuant 15 U.S. Code 1681- Congressional findings and statement of purpose.

I did not initiate communication. I was solicited and the pertinent information needed, for me to make an informed decision to " not apply '' for credit, was not given.

Pursuant 15 U.S. Code 1681m - Requirements on users of consumer reports ( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) ( B, C ) ( D ) ( E ) Navy Federals reason for adverse action states ; Collection Action Or Judgement and goes on to confirm the decision was based on information provided by the consumer reporting agency XXXX. Navy Federal also states XXXX in whole or in part influenced the decision. Navy Federal also contradicts itself by then stating the consumer reporting agency ( XXXX ) played no part in the decision and would be unable to supply me with specific reasons as to why Navy Federal has denied credit to me. 

In fact, if the reason for adverse action is not the reason stated above, Navy Federal has violated me again.

Pursuant 15 U.S. Code 1691 d Reason For Adverse Action ( 2 ) ( a ) I am currently already awaiting a response from XXXX regarding items/accounts that do not belong on my consumer report. 
Pursuant 15 U.S. Code 1681 b -Permissible purposes of consumer reports I have never given written permission for XXXX XXXX Navy Federal to report or reflect any negative information on any files/reports regarding me as a consumer. I did not give XXXX or Navy Federal the right to determine my credit worthiness.

To conclude, the email sent to me, regarding pre approval, was misleading and deceitful. I was used and taken advantage of. This type of practice from a financial institution is unlawful.

I sent a notarized letter to Navy Federal on XX/XX/2021. I have not yet received a response. 

I give the CFPB permission to obtain/view any and all relevant documentation, to proceed with this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX DEPTEDNELNET XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

I had a checkings and savings account with Flagstar bank back in Spring 2019. 

When I tried to transfer funds from my savings account to my checkings, it charged me a {$35.00} fee. It was the first transfer I made in a month. 

When I went to a branch, they told me they couldn't do anything as it wasn't the original branch I open the account with, and about the fee as it became overdrafted after I closed the account as the promotional interest rate for savings expired. 

They fee grew to {$220.00} and was sent to collections illegally to XXXX XXXX. I say illegally as any bank has a courtesy of reimbursing automatically an overdraft or late fee once a year and this is damaging my credit potentially costing me money.
Product: Credit reporting, credit repair services, 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$21000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My house was paid for except small equity line of credit in my mom 's name.i was on the deedXXXX XXXX XXXX XXXX sold this too Rushmore Loan co, they in turn tried to foreclose had to sell at a lower price. I'm wanting full value of that house was a family home. I've turned this over to my law firm to file against this Rushmore, they have bad ratings. They sent no paperwork until attorney sent foreclose papers, then had to sell to investor lost lot of money. Please help on this situation for me. Thanks XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In early 2024, I updated my address, initially entering an incorrect unit number, which I CORRECTED IMMEDIATELY. On XXXX/24 at XXXX XXXX PST, I received a second notice from Wells Fargo about missing or inaccurate information, requesting address verification. On XXXX/24 at XXXX XXXX PST, I was notified that my account had been closed at XXXX XXXX  PST due to Wells Fargo 's action, not insufficient funds. I contacted customer service, and by XXXXXXXX XXXX PST, I received CONFIRMATION THAT MY ADDRESS HAD BEEN UPDATED for both my savings and credit card. 

Despite this, Wells Fargo closed my savings account, while my credit card account update processed without issue. They also sent checks to my updated address without concern. Since XXXX/24, I have tried to resolve this, but Wells Fargo has not acknowledged the mistake. Theyve even suggested I open a new account, which CONTRADICTS THE CLOSURES LEGITIMACY. 

Had Wells Fargo informed me that the address change violated regulations or raised security concerns on XXXX/24, I would have reverted to my original address immediately. Instead, WELLS FARGO CONFIRMED AND UPDATED MY ADDRESSES WITHOUT COMMUNICATION THAT THERE WAS A POTENTIAL VIOLATION OF REGULATIONS and had no issue with my credit card having the updated address. Wells Fargo is aware the address is valid, as they sent a replacement credit card to it without issue. 
Given that the address change was correctly processed and no fraud occurred, I request Wells Fargo reopen my savings account and provide clarity on the closure. As a loyal customer for over 30 years, this situation undermines the trust and transparency I expect. I seek a prompt and fair resolution. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the incorrect information with XXXX on my credit report. Where XXXX and TransUnion clearly violated the law. XXXX and TransUnion put on my credit report an account number that is not my and the balance is false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never conducted business with this company.
Product: Credit card or prepaid card

On XX/XX/2023 I discovered an credit card fradulently opened in my name from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX This account with a credit limit of XXXX was opened XX/XX/2023 and shows a reported day of XX/XX/2023. 
I never applied for this credit card that shows on both my XXXX and XXXX Credit Reports.

I spoke with the company and they asked for my address and DOB and said that my information did not match and that they could give me no information about the Account. 
The Account shows as Open in both credit reports and I am very concerned that whoever opened this fradulently in my name will soon have access to making fradulent purchases.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ XXXX XXXX XXXX XXXX to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : XXXX. XXXXFCRA Violations : XXXX  - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ XXXX XXXX attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 

XXXX. XXXXConsumer Reporting Agencies ( CRA ) Violations : XXXX  - [ Credit XXXX XXXX XXXX XXXX XXXX XXXX, Early Warnings, XXXX XXXX, are non-affiliated XXXX entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. XXXXPrivacy Act Violations : XXXX  - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 

XXXX. XXXXFCRA XXXX Failures : XXXX - [ Credit XXXX XXXX and XXXX XXXX XXXX failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 

XXXX. XXXXCFPB Enforcement Action XXXX XXXX - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 

XXXX. XXXXDamages and Legal Remedies : XXXX - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. 

XXXX. XXXX15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and XXXX XXXX XXXX XXXX XXXX in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Credit reporting or other personal consumer reports

My rights are being violated by the reporting agencies.IRS defines a " charge off '' as gross income. ( income ) DOES NOT get reported on a consumer report. In accordance with ( 15 USC 1681a ) the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.i demand the charge off with XXXX XXXX be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX, I experienced technical difficulties with Capital One processing my credit card payments for my accounts through the app. For some reason the system would not take payments but after attempting to process the payments more than 3x, the system was reflecting that a payment was not due. I had to pay the late charges but I was advised back in XXXX of XXXX that the payments would not be reflected to the credit bureaus as late. Once I received notification that the late payments had indeed posted, I immediately sent notice to Capital One to have these erroneous late payments removed. I never received any correspondence back from Capital One.
Product: Debt collection

I was a victim of identity theft XXXX years ago. The person opened a phone and cable bills in my name. Once I became aware of the issue, I immediately took action and called the company that was trying to report to the credit bureau. The company name is IC systems and they are a fraudulent company. I shared that I never opened an account with them and was a victim of identity theft. They still tried to ask me for my credit card info to pay the bill. I did not pay it and filed a police report. I also disputed the charge on my credit and had it removed. 

After XXXX years of thinking that this issue was resolved. IC Systems tried to come back and claim a collection on my report again but this time using a new account number. This company is a fraud and please be careful not to make any payments to them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

Affirm account # XXXX opened XX/XX/XXXX Affirm account # XXXX opened XX/XX/XXXX Affirm account # XXXX opened XX/XX/XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, 2024 XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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
Product: Mortgage

XX/XX/year> submitted a modification package for an emergency situation with a job loss and requested a forbearance and modification assistance. The company did not get back to me and Time so they rejected my package and I had submitted material and talk to the customer service representative. Their modification department is XXXX XXXX  submitted a modification package for an emergency situation with a job loss and requested a forbearance and modification assistance. The company did not get back to me and they just rejected my package and I had submitted all the material and talked to the customer service representative. Their modification department is a separate entity from the mortgage company, which is losing track of peoples packages and not responding to people in a timely man. I need immediate assistance for forbearance because theres only one income in my house and they can not afford to pay the mortgage on my own and im a XXXX veteran so I need assistance and they are not providing the proper assistance and ignoring documents when they get sent in holding onto the documents and not falling through with modification forbearance assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX  XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX & OUTSTANDING XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

XXXX has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX  XXXX : XXXX DAYS LATE Experian : XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING
Product: Checking or savings account

I used my XXXX  debit card to pay for a transaction on XX/XX/19 for {$130.00} XXXX uses my chase bank account as backup funding. This charged caused my chase account to go into a negative. That {$130.00} was then refunded but XXXX kept the refund instead of sending it back to my chase bank account. All XXXX could do was send me a bank letter. In the end, I was charged a total of 12 overdraft fees on my chase bank account totaling to {$400.00} and now I am going through a financial hardship and unable to pay my rent. I tried to explain the situation to chase and offered to send them the XXXX bank letter. But they just refused to refund me any overdraft fees and ignored my request to send the letter. I let them know the financial hardship this caused and I have been a customer for a very long time but they did not have any regards. As per XXXX money, chase bank led in profits for making the most in atm and overdrafts fees last year. This experience goes to show you how much they care for their customers.