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

I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred over the past several years. These charges appear to have been assessed unfairly, as they were triggered due to the delayed posting of transactions and credits, even though sufficient funds were available at the time of authorization. 

This issue mirrors recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal, which highlighted similar practices where transactions settled with insufficient balances despite funds being available initially. I believe these actions constitute unfair practices and have caused me financial harm. 

I respectfully request an investigation into my account activity and a review of the overdraft fees applied. I also request that any unjust fees be refunded promptly and that steps be taken to prevent future occurrences.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX {$1000.00} XXXX Affrim XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete + information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report.

Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. XXXX.

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The early part of XX/XX/XXXX, I established Direct Deposit with this Prepaid Account for both my XXXX XXXX and Social Security XXXX payments. I have been receiving payments every first of the month from the XXXX XXXX and every second Wednesday of the month from Social Security for over ten years without fail and without any issues until today ( XX/XX/XXXX ). I foresaw that there could be a challenge with receiving my Direct Deposits when there was absolutely no communications through this Prepaid Account regarding receipt of electronic direct deposits of my XXXX payments, so I reached out to Netspend by both phone and internal contact support to address this. I was assured that there would be no issues in the safe process of my funds when the time came. I already accepted that this Prepaid Account did not have to honor their promise of " 2-days early Direct Deposit '' which should have been on ( XX/XX/XXXX ) because, even if it would have been nice to receive the money early, it was not required of this Prepaid Account to honor it, which they did not honor. Yet, calling to see why they have not released my money on my actual payday which is ( XX/XX/XXXX ), today, there is no excuse of reason for me not receiving my money on my payday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX  and XXXX  about the following reporting Debt since XX/XX/XXXX. I explained to all 3 Credit bureaus the rent that is reporting a Debt without proper debt verification and ownership. 

XXXX XXXX XXXX opened a collection account on XX/XX/XXXX stating I owe them {$2100.00} Original Creditor - The corners c/o XXXX I went to The corners c/o XXXX around XX/XX/XXXX to see why I owed them {$2100.00} I spoke to a guy named XXXX at the front desk he tried to look me up in their system to see any information in their system about me owing them a balance. XXXX stated they had no information about me in their system. 

I contacted XXXX and informed them I needed the following information : The original signed lease between myself and the landlord. 
Details of the security deposit and how it was applied to past due rent. 
Bank statement for the security deposit entire duration of the rental including the accrued interest. 
Detailed breakdown of damages claimed by the landlord and the total cost of repairs, with proof from a licensed contractor The date that the apartment was reoccupied. 
Proof of registration of that apartment following all compliance of the local rental laws in the state of Texas Proof that this is a collectable debt within the statute of limitations in the state of Texas Name of the banking institution and the date in which my security was deposited in an interest-bearing banking account As of today I have not received the above information to validate the debt they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT XXXX LETTERS TO XXXX, XXXX AND EXPERIAN. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follows reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate and the Credit Bureau Transunion answered the dispute with verified and no change.

And one more thing according to 15 USC 168s-2 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: Debt collection

I received multiple calls form this company, provided my name and asked what the call was in regards to. They request that I provide information DOB or last 4 of social security number, so I disconnect the call. 

I received an email stated they will take me to court and sue me if I do not pay by XX/XX/XXXX. 

I tired through their site and chat to have information mailed to me and they require me to provide my information again and I refused, so they said they cant help me. 

I call and spoke to two reps who request I provide information asked for a supervisor and he asked for me to confirm the information he had on file. He provided my information and I confirmed that was correct information for me but was unaware of the debt. 

I asked for him to send the information in the mail to the address he had on file and to include the original contract and itemization. The supervisor XXXX refused and said he does not have to provide that information to me but as a courtesy I can view it in their website. 

I informed the site requires me to accept their terms and I do not feel comfortable doing that. 

The supervisor stated that is the only way and they will not mail me the information.
Product: Debt collection

On XXXX XXXX i settled in court to pay off 3 outstanding credit card balances with Portfolio Recovery Systems located at XXXX XXXX XXXX, XXXX Virginia XXXX. XXXX ; XXXX ; & XXXX. The agreement to pay at settlement was {$25.00} per account per month until it was paid ( attached ). I HAVE NEVER RECEIVED A BILLING STATEMENT FROM THIS ENTITIY. I have kept track of every payment made to this establishment on my own. I paid off XXXX & XXXX. When I got to the last payment of the docket in question XXXX, on XX/XX/2019, I wrote on the payment that I beleived it was my last payment and if it was not to let me know ( also attached ). Portfolio RETURNED my LAST payment back on XX/XX/XXXX Informing me it was unacceptable along with a note to say that I need to pay the unsettled balance of the debt immediately. 

I WAS LITERALLY MAKING THE LAST PAYMENT ON THE settled DEBT FOR XXXX!! I have been paying this dept for 4 years religiously AND as consisently as I could without EVER receiving a billing statement!! 

I then sent in what I believed to be the last payment a SECOND TIME with an Written explaination. 

IT WAS RETURNED AGAIN because I flagged them that I beleived It was my last payment. Portfolio refused it a second time, and scruitized the account to find reason not to accept the last payment and close the account so they can file a judgement for the original unsettled balance. 

In my explaination to Portfolio, I asked them to provide me with my payment information, a general billing statement in detail, which I havent received in the four years I have been paying them on any settled account. 

THEY have not complied ( see attached ) The just returned my second payment threatening to imply a judgement on the full unsettled amount. 

I have had ZERO issues with payment up until this point and I have settled two previous accounts with this collection agency before the one in question IN GOOD FAITH. I have also, almost entirely payed the docket in question in full. 

This is shocking unethical behavior and a very slimey way to profit off someone who is struggling. 

Now that Portfolio returned my last payment check..not once, but twice the last payment is still outstanding which could give Portfolio the opportunity issue a judgement which at this point is SO UNFAIR as I was down to my last payment! 

I didn't pay four years of settled debt to get down to the LAST payment of the LAST debt settled in court and have this happen. People who dont pay deserve this treatment NOT PEOPLE WHO DO! 

This is a horrible injustice and a desperate tactic for a collection agency to get paid. The owner is a lawyer and is manipulating the system for profit. Something he could be disbarred for. 

Please assist me to clear this up. I would hate to have to take this to the bar association next. All supporting documentations are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to TD AUTO FINANCE to get the inquire removed but, they haven't resolved the matter.
Product: Mortgage

I have a previously complaint number XXXX that Caliber Bank responded to on XXXX/XXXX/2015. I would like to re-open the complaint and dispute the response provided by Caliber. I was unable to respond in a timely manner due to having to relocate after Caliber foreclosed on my home and forced me to leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the Cfpb in regards to Kia motors falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called Kia motors this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$790.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with TransUnion that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your TransUnion credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with TransUnion at https : //dispute.transunion.com. ( You'll need to create an account with TransUnion and follow their steps. ) TransUnion will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at TransUnion and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Support ref : XXXX : ref I requested validation through a direct dispute with TransUnion by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX site directly with TransUnion on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This has been ongoing since XXXX of this year ( XXXX ) Karma Guarantee program states that if you are denied a credit card from one of thier affiliates, in which I was denied after applying even though it stated I had " Outstanding Approval Odds '' Credit Karma will pay me {$50.00}. After Credit Karma verified on XX/XX/XXXX that I was in fact denied and was eligibe for the {$50.00} I had a choice of how I would receive the payment and I opted to receive a Visa reward card. so I received an email XX/XX/XXXX that my payment was enclosed ( I have all the emails ) and to click on the " View Your Order '' and when I clicked on it, it asked for the card information ( 16 digit card number etc... ) that I did not have enclosed in the email and never received. I couldn't activate a visa gift card with no information to enter. 

When I called the Reward Card XXXX number they informed me to call Credit Karma because they couldn't help me and didn't ask me for the order number that was on Credit Karma 's email which was very suspect. Credit Karma then replied to me with the following information : Hi XXXX, Thank you for contacting Credit Karma Member Support. 
The team looked into your Karma Guarantee {$10.00} payment and it was confirmed to be sent to XXXX on XXXX. 

Please don't hesitate to contact us back if you need further assistance. 

Regards, Credit Karma Member Support They changed it from {$50.00} to {$10.00} and when I replied back that it was for {$50.00} I haven't heard from them since. This is the original eligibilty email sent to me on XX/XX/XXXX Hi XXXX, Thanks for contacting Credit Karma Member Support. I'd be happy to look into this for you. 

Weve confirmed with the banking partner XXXX XXXX that your application for the XXXX XXXX XXXX XXXX  XXXX Credit Card submitted on XXXX from this account on Credit Karma was declined and you are eligible for the Karma Guarantee {$50.00} payment. 

We'll be attentive to your response to continue assisting you remember that We offeXXXX 24/7 support. 

Regards, Credit Karma Member Support I was already included in the class action suit with Credit Karma back in XXXX for deceptive practices but apparently they haven't learned their lesson. I am really considering obtaining an attorney. Thank you in advance for any help.
Product: Credit card

I am writing this complaint against Bank of America that I have been treated unfairly by the company. Their decision upon closing both my credit card accounts at the same time severely affected my life. I claim that the company decision was unfair. I have never had one late payment in the last seven years. Recently I went through a hard time as I was in transition between my college and my work.and i had to get married in between. And I was out of the country at that time. These were the reasons that I was late by one month on my credit card ending in XXXX. And I was two months late on my credit card ending in XXXX. My question is how come such a notorious company failed to understand the client and their eligibility of repaying back? Didnt I build your trust in the last seven years? I strongly claim that what they have done to me is unfair and they destroyed my credit score by making such a decision. This caused the utilization ratio to go close to 800 %. This is terrible damage and I don't deserve to be put in that spot. When I called customer service to explain my situation to see if I could recover the damage, no one was ready to hear my voice and concern. Rather they all have one answer, we cant reopen on a closed credit card and you would have to apply for a new credit card. You damaged my credit score and now you are asking me to reapply. How could it be a resolution? Who hears my voice? Who hears my concern? Have I been treated fairly?

Here below I have provided a screenshot showing my seven years payment history without any delays.when i have been putting so much effort into building my credit for years and years and you ruin it by closing. Is this how you would do to US citizens who have entrusted and respected the credit system and who have been working for years and years to build trust. Now you wanted me to apply for a new credit card? 

This is not at all fair. very disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  Century Mortgage  XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  Bank   XXXX   Please remove these inquiries from my credit report immediately
Product: Vehicle loan or lease

Between the periods of XX/XX/XXXX to XX/XX/XXXX I had purchased to vehicles and financed through Wells Fargo XXXX New and XXXX used. Through out the loan terms the subsequently on a monthly basis added and charged me for their own auto insurance even tho i had my own auto insurance policy on XXXX vehicles. This subsequently caused me be delinquent and not to be able to manage my loan payments and at different points each vehicle was repossessed even after attempts were made on my behalf to correct the problem and lower payments to no success. Eventually I was able to recover the new vehicle after paying thousands of dollars in payments and fees to be able to get it back and payed it off and finally sold it in XX/XX/XXXX. The used car tho i was not able to recover and they sold it at auction and billed me for an additional {$12000.00} which they claim was the difference and eventually i ended up paying to them to pay the supposed balance. I also had to pay taxes for the supposed losses they incurred on that vehicle to the IRS when i filled my taxes.
Product: Debt collection

A debt collector is calling my place of employment repeatedly XXXX-XXXXx/day over the course of several weeks. They have called my direct line without leaving a message. They have called the main office line and asked for me by name. An office assistant at my place of work who took the phone call said it was XXXX XXXX # XXXX with Windham professionals. I have received a voicemail from this person on my personal cell phone.
Product: Debt collection

NELSON AND KENNARD is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with NELSON AND KENNARD. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. NELSON AND KENNARD is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!