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

This complaint against Navy Federal Credit Union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to NFCU failing to make deposits available at the time they were deposited. This issue aligns with the recent CFPB findings against Navy Federal for similar actions., where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report from XXXX XXXX XXXX. I never applied for a loan with the XXXX, this is fraudulent. I requested Experian research and remove the inquiry three times and all three times they did nothing. Their form letters and responses are impossible to decipher and they refuse to provide any supporting information from the lender to show the inquiry is valid, instead they claim it is up to me to prove it is fraudulent. That is ridiculous. If Experian placed the inquiry then it is up to them to substantiate it or remove it.
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 on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$180.00} FST PREMIER XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There are Inquiries on my credit report that I do not recognize and need them to please be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not allow me to file disputes on their website. 

The XXXX  XXXX account needs to be deleted from my credit fileXXXX XXXX XXXX have submitted a request for the deletion and TransUnion has not adhered to the request. 

Attaching a copy of the denial to file a dispute online and I am attaching the letter from XXXX XXXX stating the account needs to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding accounts that do not belong to me. I checked my credit score recently and found out the items that are not mine. I want to complain nd ask you to check these accounts because I am very stressed to have them in my profile. Therefore I kindly asking you to delete them from my profile because they are not mine. 

Best Regads.
Product: Bank account or service

Astoria Bank charged me an overdraft fee after they automatically overdrafted my account be charging an account fee of XXXX dollars and a periodic fee of XXXX dollars even though I had no money in my account. As a result of my overdraft they took everything I had when my check was deposited.
Product: Debt collection

XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is XXXX
Product: Credit card

Wells Fargo Escalation Department, Still see no refund from unauthorized payments from this company. This company has sent our 45 letters showing " confirmation of single electronic payment '' so they can be refund me cfpb from well fargo departments. This XXXX XXXX, XX/XX/XXXX, I never spoke to on any case # XXXX, XXXX, or a XXXX XXXX XXXX, so many people at this company don't know how help or understand the situation! My bank is getting upset with this companies mistake. So start taking responsibility wells fargo.
Product: Debt collection

On complaint XXXX AAFES made XXXX duplicate fraudulent account for a amount XXXX that was charged twice and took it out of my income taxs twice and on XXXX XXXX I was told a refund check would be received in XXXX business days by XXXX XXXX, the check was never sent out and I had to contact AAFES again yesterday XXXX XXXX and XXXX being told it will take another XXXX weeks to get the money that was taken from me fraudulently by AAFES making a duplicate account, when AAFES wants there money they will XXXX everything to take it from you like takin it from income tax but when they make a mistake and owe you money they just make every excuse. Why did I have to call to get the refund check when it was supposed to be sent out over a month ago, someone need to get fired because Im sure this is happening to multiple people just stating XXXX thing when that never happened in the first place, and you would thinks AAFES would want to send out a refund that they made a mistake on and never sent out as well and now I have to wait XXXX weeks because someone is not doing there job and have money that does not belong to them. Acct ending in XXXX and XXXX that were paid and when it was just XXXX this is unacceptable and someone need to be held accountable for there actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.
Product: Debt collection

on XX/XX/year>, i tried to make a purchase and card had declined. I made contact with my bank and after some research they told me that my bank account had been frozen due to a law firm taking action against me on a debt owed. I then called the company XXXX XXXX XXXX XXXX XXXX out of XXXX XXXX, IA ). they notified me that i owed a debt of {$1500.00} and they took action to freeze my bank account. I then made some phone calls and decided to pay the amount in full on XX/XX/year> over the phone with a different account to settle the debt. The payment then processed 6 days later and was considered paid in full. Fast forward to XX/XX/year>, I checked my bank account and noticed it was unfrozen with a balance of {$0.00}. a transaction labeled " garnishment '' and transaction type " withdrawal '' of XXXX was taken out of my account from XXXX XXXX XXXX XXXX. I immediately called the law firm and requested my refund snice the account was paid in full from a different account. They stated that my local sheriffs department was in charge of releasing those funds to them and then they would refund me. I contacted my local Sheriffs Department and talked to the person in charge of garnishments and he had told me that the Sheriffs Department is not responsible for holding money or dealing with anything that has to do with money. They only deliver paperwork. I then called XXXX back and told them exactly what the XXXX said and he then got hostile and told me there is nothing they can do for me to refund me my money until the Sheriff authorizes it. 

I want to report this abusive behavior of this law firm and their practices.
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 on how to remove the fraudulent bankruptcy 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 item 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 item which does not belong to me or was opened without my permission. 

XXXX  XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2021 Reference # : 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: Credit reporting or other personal consumer reports

This account was XXXX  days late on the following date ( XX/XX/year> ) Since then the aocount has repeatedly been mark as XXXX  days late XX/XX/year> and XX/XX/year> as you know its impossible to be XXXX  days XXXX  months in a row. This is not accurate payment history. This inaccurate information and not 100  % Accurate and falsely manipulates my credit worthiness and is hurting my ability to attain credit. Any accounts not 100 % Accurate must be deleted off my credit report by law. You faled to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX - Account Number XXXX
Product: Debt collection

On or about XX/XX/18, I received a call from XXXX requesting payment for an outstanding bill for XXXX XXXX. He was calling from a collection agency called XXXX. I advised I was not aware of an amount that was owed. He stated the amount was {$XXXX}. 
On XX/XX/18 I sent a letter to XXXX to request that they send a bill and/or paperwork so that I can confirm any information and/or personal information. 
I did not receive a response. On XX/XX/18, I sent a letter to the credit bureau to request that this be taken off of my report. I received my report and found that this was not reported. 
On XX/XX/18, I received a bill from XXXX XXXX for XXXX XXXX. Now the amount is {$XXXX}. I am going to send a letter of validation.
Product: Credit card or prepaid card

I called the Banco Popular at ( XXXX ) XXXX prior to XX/XX/XXXX to close my XXXX XXXX Visa credit card account ending in XXXX. The account had no balance, no outstanding obligations, and the request was verbally confirmed by an agent over the phone stating I would receive a letter by US mail. On XX/XX/XXXX I viewed my credit report and found the bank had not closed the account as requested and had since been charged an annual fee of {$140.00} in XX/XX/XXXX. I called the same number on XX/XX/XXXX and agent named " XXXX '' refused to close the account and credit the fee that would not have posted had the original close request been executed as requested.
Product: Credit reporting or other personal consumer reports

FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear XXXX Consumer Assistance XXXX XXXX XXXX XXXX XXXX - Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX XXXX XXXX - Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX XXXX  XXXX - Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX XXXX XXXXXXXX FDCPA Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt.

XXXX XXXX XXXXXXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt.

XXXX XXXX XXXX  - XXXX FDCPA Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate this debt. 

Incorrect Name - XXXX XXXX - This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting or other personal consumer reports

I have consistently contested the inaccuracies in the following information with Equifax, XXXX and XXXX, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX Date of inquiry : XXXX14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I was pre-approved and applied for the loan on Prosper. I was subsequently rejected and had my account suspended because I opted to use a newly opened checking account for depositing of the funds. This was not disclosed as an issue in any remotely clear terms in the application process or I would've selected another checking account which I've had open for several years that I am in the process of closing. Moreover, they gave no opportunity to select a new account and instead did a hard pull that did nothing but negatively impact me for something that was easily fixable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/2019, XXXX and XXXX says I have an on time payment. On another, it says I have a 120 day late payment on XXXX but on XXXX and XXXX, it says I have on time payments.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TN XXXX is trying to collect a debt of 1 month rent. 2 years ago I applied with them and was approved by XXXX office manager. The next day she was fired for fraudulent activities and I was never contacted about an apartment. I was told she was fired and that I would have to reapply and get another agent. I refused, then moved into another set of homes .A year later they are on my credit report for 1 month of rent because I didn't reapply but they kept my application money. I called and asked the OWNER HOW CAN YOU SUE ME FOR 1 MONTH OF RENT THAT'S ILLEGAL. I NEVER MOVED IN OR VIEWED A UNIT. MY AGENT WAS FIRED AND I HAVE A LEASE FROM MY NEW PLACE. I NEVER LIVED THERE. This is an apartment scam. I know of 2 other people who have had similar incidences.
Product: Credit card

In XXXX, I opened an Amazon account and signed up for the Chase credit card ( XX/XX/XXXX ), offered through XXXX. In XX/XX/XXXX, I finally signed into the Chase account and found that charges from XXXX XXXX, a service I have never purchased, received, or used, was charging my account XXXX XXXX  monthly from XXXX, then XXXX XXXX monthly from XXXX. I immediately contacted Chase to inform them of these fraudulent charges, Chase credited the charges back to my account, then overnight, replaced the charges back, stating that XXXX XXXX said I had an account. From XX/XX/XXXX to XX/XX/XXXX, I have been working with Chase and XXXX XXXX to resolve this issue. XXXX XXXX representatives and managers have stated that I would be paid in full, since there was no evidence of me having or activating an account. The many conversations have been on three-way calls with Chase representatives present. On XX/XX/XXXX, I received a statement letter, in my Chase account, stating " We resolved your dispute '', stating, " the charge you disputed is valid ''. " It will remain on my credit card account ''. This is totally unacceptable, that they would expect me to pay a charge that I never activated or received. Currently, the balance is {$2500.00} and growing with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXe is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX/2021-XXXX/2021 which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX , Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.