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 or 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 these practices are unfair and request and investigation into my account transactions.
Product: Mortgage

On XX/XX/2024 I closed on a {$25000.00} conventional refi loan with TD Bank. The nearest branch is over XXXX miles away from my residence, so I closed with a notary at my residence. Funds were to be disbursed XX/XX/2024 and mailed by the XXXX XXXX. On XX/XX/XXXX, tracking the package the package status was out for delivery and never was delivered. I called UPS that evening and the XXXX stated the package was lost. 

On XX/XX/XXXX I contacted TD Bank via email and phone to inform them of the lost package. Ever since XX/XX/XXXX there is XXXX XXXX of phone calls to TD Bank call center to reconcile the situation. All I requested of the bank and keep requesting is the check be cancelled and a new check be issued. 

Finally, on XX/XX/2024 an employee from the branch where our loan was closed spoke to me to say the check issued is a cashier 's check and according to federal law can not be cancelled until 90 days after issue if lost. 

A lost check, that I did not loose should not affect our contract. We were closed, I was to receive funds XX/XX/2024. It is almost 1 month later and my first payment will be due and I have not had funds from TD Bank as per contract. 

Please assist in this situation. The bank recommendation is to be patient, possibly wait 90 days and if our payment is due they will not require payment. That is not what our contract states, if you ask me they are in breach. 

Thank you in advance, XXXX XXXX
Product: Student loan

I payed a large fee up front to Ameritech Financial in XXXX of 2016 and have been paying {$99.00} a month since. There should have been no fee for this service. I am a single mother just off XXXX with a XXXX XXXX child. This money did not come easy to me. Also, all my payments ( around {$3000.00} ) should have gone towards my student loans. They did not.
Product: Debt collection

In XX/XX/2021 I was summoned to court because of a debt that was said to be mine, I denied the debt while in court, and stated that I wanted to see if we could come to a settlement. A letter was sent to me with the stipulations of the settlement, and I have been paying the settlement every month, but I couldn't sign something that I didn't agree with. After speaking to my attorney, I was told that I can fight this. So on XX/XX/2021 I sent a letter to Midland Credit Management sighting all of the laws under the FCRA that have been violated. I have attached the letter to this complaint. But in short, this is what I am demanding : According to 15 USC 1692i ( b ) Authorization of actions - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Further 15 USC 1692c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681n ( a ) IN GENERAL - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

At this time, I am demanding that this case be closed, this be removed from my credit report and actual damages be paid out as a settlement to my in the amount {$2400.00}. This includes the ( 2 ) two listed violations that your company has committed and the ( 5 ) payments of {$98.00} ( totaling {$490.00} ) have been paid to your company as of XX/XX/2021. 
Please send the settlement letter with the details that I have included in this letter, to the above address I have provided ; I am expecting to have this matter taken care of within the next 30 days.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reporting a account that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous complain, again, I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. As I reviewed my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$350.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that have been reported inaccurately and have caused significant emotional distress. The following accounts are in dispute : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX Charge Off account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Collection Account XXXX  XXXX XXXX Account I am requesting that you investigate these accounts and remove any inaccurate information that has been reported. The following laws have been violated with these accounts : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Fair and Accurate Credit Transactions Act ( FACTACT ) The Truth in Lending Act ( TILA ) The Real Estate Settlement Procedures Act ( RESPA ) The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Billing Act ( FCBA ) I am also experiencing emotional distress as a result of these inaccuracies. It is causing me a great deal of stress and anxiety, and I feel as though my reputation and financial well-being are at risk. I am requesting that you take swift action to rectify these inaccuracies and restore my credit report to its proper state.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened an  HH Gregg st ore credit card through Synchrony Bank in account in  XXXX   2012 . I agreed to a 0 % annual percentage rate fo r twenty four  months, and then a slight rate increase thereafter, which was not honored. Instead I keep receiving statements with very high interest rates, including an inflated annual percentage rate of 29.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete the below illegal accounts from my experian, XXXX, XXXX credit reports XXXX XXXX- 30 day late payment Bank XXXX XXXX account # XXXX
Product: Payday loan, title loan, or personal loan

I bought the phone from XXXX on " XXXX XX/XX/2022 '', as phone was heating up a lot, and battery consumption was not normal, I retuned the phone on " XXXX XX/XX/2022 '' with the label provided by XXXX. 
I dropped the phone in XXXX registered drop off location, hand it to a person at that location. 
Address : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. 
Please check the attachment as a proof. 

After a week when I didn't get the refund, i called XXXX, they said, they didn't receive the item. and its almost a month talking to customer rep, but didn't get my refund of {$820.00} that I paid from my XXXX TD finance. 

I raise a dispute in TD bank, but they are saying, i need to make the minimum payment every month until the dispute is resolved. 

they are forcing me to pay minimum amount every month, for which I am not liable, as I already returned the item.
Product: Credit reporting or other personal consumer reports

the info I requested them to delete from my report has reshown back on my most current report
Product: Checking or savings account

XX/XX/2023 my account was close with Chime without any reason, funds are being held. I have asked multiple time why its was closed, I was told there wasnt a reason.
Product: Debt collection

Received collection letter dated XXXX XXXX, 2016 stating unpaid balance of {$49.00} for alleged account with XXXX XXXX XXXX, XXXX. No account exists, nor has ever existed. Moreover, the municipality in which I reside has contract with XXXX XXXX, therefore impossible to have an outside account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO FASLEY STATE THEY HAVE NOT RECEIVED REQUIRED DOCUMENTS ACCORDING TO FCRA XXXX XXXX I HAVE SENT PROOF OF DOCUMENTS AND TRACKING NUMBER IN PREVIOUS CFPB COMPLAINT WITH EQUIFAX AND THEY CONTINUE TO WILLFUL NON-COMPLIANCE AND DEFAMATION OF MY CHARACTER ALONG WITH FURTHER DAMAGING MY CREDIT REPORT. I HAVE PROOF EQUIFAX FALSELY STATING THEY HAVEN'T RECIEVED MY DOCUMENTS IN THEIR LETTER I HAVE RECIEVED ON XX/XX/2022. I HAVE RESULTS THEY HAVE GIVING ME OF PREVIOUS DISPUTE RESULTS OF THEM RECEIVE MY POLICE REPORT AND FTC IDENTITY THEFT REPORT FOR EQUIFAX HAS REMOVED SOME BUT NOT ALLLLL FRAUDULENT ITEMS WHICH WAS REQUESTED NOW EQUIFAX REFUSE TO SEND ME PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS FOR THIS FRAUDULENT ACCOUNT WITH XXXX  XXXX. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS TO PRIVACY AND DISHONOR FCRA 605B AND NOT PROPERLY INVESTIGATION AND BLOCKING AMD DELETING ITEM ACCORDING TO SECTION 605B SO THIS WILL BE PROOF OF DEFAMATION OF CHARACTER, WILLFUL NON-COMPLIANCE, AND DAMAGING MY LIVELIHOOD DUE TO ENABLEMENT OF THIS FRAUDULENT ITEM AMD WILL BE PRINTED OUT AND USED FOR REMEDY AND PROOF FOR YOUR DAMAGES AND VIOLATIONS AFTER RECEIVING THIS REQUEST.
Product: Student loan

After having a XXXX, XXXX  related expenses skyrocketed. I can not afford to make the payment amount that they proposed. They would not defer the loan.  If I could defer the loan, my wife is working on getting a better job and we could make payments later this year.
Product: Payday loan, title loan, personal loan, or advance loan

Believe this is Illegal loan in XXXX of XXXX XXXX is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local XXXX 's office
Product: Credit card or prepaid card

XX/XX/XXXX-XX/XX/XXXX My Citibank card was repeatedly charged daily by XXXX for hundreds of dollars. ( grand total XXXX ) I immediately called credit card reported it. I tried to resolve with XXXX they refused because they stated that my XXXX year old daughter made the purchases. I find out that my credit card is saved in my card app pulled it and is making all of these purchases without my knowledge. I then called Citi same day informed them of my finding and that I did not authorize these charges and that XXXX is not willing to help me. They gave me provisional credit of XXXX on XX/XX/XXXX and informed me no late fees would occur while investigation was in place. I then called XX/XX/XXXX and paid my full balance on card of XXXX with representative who informed me that I was paid in full but still pending investigation. I then got a delinquent letter with no confirmation in month of XXXX that investigation was complete with a balance of XXXX I called weekly and was repeatedly told I needed to speak with other dept and constantly hung up on ( XX/XX/XXXX 7 calls hung up on ) I screen shot all my calls and XXXX company since I was not getting anywhere on phone. I was then contacted on XX/XX/XXXX and began asking questions about the remaining balance put back on my card and the individual that I spoke with was XXXX. She was telling me that I received double credits by citi and that they had to retract and that's why I had a balance. When I questioned her math, and why she said I had a XXXX balance when I paid in full with representative in XXXX she stated that she would have to call back after further review. Before she got off the line she asked about the charges I explained that it was my XXXX year old phone that had credit card on it to set up her phone and I had no idea that these charges were taking place. She called back at XXXX XX/XX/XXXX same day to inform me that she spoke with manager who made the decision to reverse all of my charges now and charge me XXXX not including all the late fees. I asked how they can do that when they made the final decision on XX/XX/XXXX and she stated that they can do whatever they want. I told her you cant go back on a decision and she said yes you gave new information today. I asked what that was she stated that it was my daughter making purchases. I informed her that information was known since this investigation has been going on not new. She then told me we can change out minds at anytime and it stands. I asked to speak with manager she refused to let me speak with anyone saying they don't take calls. If I want to I can write a letter which they wont read because she made her decision. I said I needed to speak with someone today she gave email XXXX  and. I said you cant change your mind on a decision that was made in XX/XX/XXXX and she stated they could do what they want. I said you know that is corrupt she stated yes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX on XX/XX/XXXX, Account number ( XXXX ) A secured Loan opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX, Account number XXXX. A checking account at XXXX on XX/XX/XXXX, Account number XXXX property agreement at XXXX XXXX on XX/XX/XXXX Account number XXXX. An Collection Opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and ALL hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

Successfully tried to dispute with Equifax the account and the origination of debt unsuccessfully. Made several attempts for the period of XX/XX/2023 to date at the phone number provided to verify the validity of the debt with no success. To date, creditor has not sent any documents containing any information regarding this debt to my address or the information regarding the nature or historical charges of debt. Information appeared on my credit report and without any justification or supporting information to substantiate it.
Product: Debt collection

On XX/XX/XXXX I received a debt bill on XXXX XXXX tthe date from the heartland reservation group for XXXX XXXX XXXX the original creditor be in XXXX XXXX  they are trying to send me a bill for {$53.00} from XXXX
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card

Subject : Complaint Regarding FCRA and FDCPA Violations by Bank of America I am writing to file a formal complaint against Bank of America for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, Bank of America has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my credit score.

Details of Violations : 1. Re-aging of Accounts Bank of America has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. BANK OF AMERICA ACCOUNT # : XXXX  ( account not listed on Credit File ) a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. BANK OF AMERICA ACCOUNT # : XXXXXXXXXX ( account not listed on Credit File ) -- {$660.00} a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - 11 instances 2. Damage to Credit Score : Due to the repeated re-aging of these accounts, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit.

3. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$21000.00}.

4. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with Bank of America, the accounts continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit.

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.