23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt that in fact therefore exist. ( Please remove these account accounts before I seek litigation for defamation of character. ), XXXX XXXX XXXX XXXX {$300.00}, XXXX XXXX XXXX XXXXXXXX Balance {$480.00},
Product: Checking or savings account

I am writing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged overdraft fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, 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 or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

The issue is with XXXX ( credit reporting agency ) Called company for at least a month to resolve the internal/external issue with my credit union not being able to pull my credit report. The credit union continues to receive an error message. The company was contacted over 6, times and the requested documents were sent and received on XX/XX/2024 by XXXX. The representative spoken to continue to provide different answer with no resolution.
Product: Checking or savings account

I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

The loan is for {$12000.00}, with interest accruing daily. I sent in a payment of {$5000.00}, it was processing, then it disappeared. The amount was not taken out of my account, but I am trying to pay it off fast because the interest rate is crazy. I read reviews online ( after I set up the loan ) that they have refused peoples payments so they can collect all the interest that was expected. I have called them multiple times, took records of account balances ( both my bank and the loan amount ), payment confirmations, and phone calls. I am about to get in touch with a lawyer because they are ripping me off and wont let me pay it off. I have the money to pay it off, they just wont let me pay it.
Product: Checking or savings account

Basically I was trying to add my card Fold Bank card to my XXXX XXXX. So once I added it in then clicked next, here it was asking me to verify because I never added card so then i clicked next again, thinking the verification was going to come to my phone number ( current ). While waiting an realizing that it was not coming so I clicked wallet again seen that it had my old number ending XXXX. So then I emailed fold cusyservice basically told them my situation, and I was at at work so not only that work at the hospital, so here it is I received a email from them stated thanks a person will be with you XXXX right so then I replied okay whatever on the email an then here was someone contacting me an they requested photo of my license, selfie, and wrote the date.. so what I did mind I work at hospital I cant just leave to go to the break room my belongings are in a locker, I took one of my selfie and the same screenshot of id and I pasted it to the the selfie that I had cropped out and added an wrote the date of XX/XX/2023 on the pic sent it the link that I was suppose too an got the confirmation an until this morning.. I checked email .. an 10 something I clicked on saying thanks for the information that u submitted XXXX right that we are closing your account hold I just received my money that I got paid for XXXX  had the bank for a while money purchasing points building up XXXX  on my account tan you cant call them every thing is email for support which is stupid.. and not only I have screen shots but like I was saying you I was also told that for the money in my account will be sent a check an km like wow XXXX irritated an all because I just got paid on the XXXX an I was recieving money on my card tomorrow an monday .. thats my only card source no vehicle irritating .. so its wrong wrote now all. Of sudden at XXXX something its this we can be reach or will get back to between business hours Monday Friday XXXX petty still been checking email havent got one since to see what the XXXX is going on you know
Product: Payday loan, title loan, or personal loan

In XXXX of 2021, I accepted the loan terms for a payday loan with King of Cash. When it became clear in late XXXX that I need assistance to pay off this loan I sought support from a debt resolution company. 

In accordance with the policy of the King of Kash organization, I completed a written letter revoking ACH authorization in XXXX of 2021. I received confirmation from King if Kash and a debt resolution company began negotiating and making payments on my behalf. 

During this time, King of Kash continued to debit my account according to original terms of the contract. When I called in XX/XX/2021 to report this error, they apologized and asked if I wanted the funds returned - approximately {$800.00}. I said no, they could keep it and apply to my principal balance. I did that as a show of Good faith that I had every intention of paying the remaining debt. That was clearly a mistake. I was assured it would not happen again. 

It did happen again about 3 weeks later for {$450.00}. My bank blocked the charge at my request. King of Kash then proceeded to try and process over multiple days various smaller amounts to try and get around the stop payment. I was in contact with them many times during this period. Often times getting an apology and a promise that it would not happen again. 

In XXXX, they were successful at bypassing the stop payment by putting in multiple charges against my account totaling {$1100.00} all in a single day. Even if they were sticking to the original agreement ( which should not have been the case ) this was the wrong date and more than twice the originally agreed payment amount. 

When I contacted King of Kash, after multiple times of pushing me off with promises of call backs, they finally agreed it was an error and they would return the funds immediately. I was first told 1-2 business days and now the days are passing and its becoming clearer they have no intention on actually doing anything. There is one customer service rep that has attempted to help, but my sense is that she is either not being truthful or her bosses are not being truthful with her. I can not claim to know which is reality. She seems genuine. 

Additionally, the previous funds I allowed them to keep seem to have gone missing and dont appear to have been applied to my account. 

I have attempted to resolve this with the company through no less than 25 phone calls over the last 3 months- often waiting on hold for more than 30 mins each time just to be transferred to a random Voicemail. 

I dont see an end in sight and they keep attempting to debit my account on random dates and for random amounts regularly with no notice. I dont know what else to do other than just close all my accounts at this point. It has created an enormous amount of stress and financial havoc in my life.
Product: Checking or savings account

After recently returning home from traveling, I got my mail only to find a XXXX debit card for an account I did not open. As a result, I determined someone must have fraudulently opened the account through XXXX in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to XXXX, but as of yet have not been able to get a written confirmation from their support teams that the fraudulent account has been closed.
Product: Student loan

On XX/XX/2021, I received an email from the Department of Education advising that I consider re-establishing Direct Debit for my Federal Student Loans with my servicer ( FedLoan Servicing ). On XX/XX/2021, I visited the FedLoan Servicing website to re-establish my Direct Debit. Following the re-establishment of my Direct Debit, I am now simultaneously receiving conflicting information about my monthly payment due date on two different screens within the FedLoan Servicing website. On the payment due date screen, the website displays my original payment due date of the XXXX of the month. On the Direct Debit screen, my payment due date is now reflected as the XXXX of the month. I did not request a change to the XXXX of the month. Additionally, I do not believe that I received any correspondence regarding a payment due date change. I would like my payment due date to remain the XXXX of the month ( or another date that falls in every month of the year [ e.g. NOT the XXXX, XXXX, or XXXX ] ). Because of the new, conflicting information on the Direct Debit page, I am unable to discern accurate information about my student loans. Due to this conflicting information, it is obvious FedLoan is giving me incorrect information somewhere on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXXXXXX XXXX and myself! Please send the proper validation
Product: Bank account or service

Citizens Bank monthly maintenance fee completely drained my account. This account had no activity for over a year. Had to make a overdrawn account payment to close the account. 
I recognize that the management of this account is my responsibility and obviously should have withdrawn the funds from the account. I also should not have signed up for paperless account statements. With paper statements I would have probably recognized the stupidity of not closing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to Equifax, XXXX, and XXXX I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/year> this account was opened the amount is for {$550.00}. 

I tried calling this company and no one has answered me.
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME THESE ARE NOT RIGHT, I WAS NEVER LATE IN PAYMENTS
Product: Student loan

I am receiving daily calls to my workplace and personal cell phone everyday from Navient about my student loans that I can not repay at this time do to the outstanding balance and interest on the loans. Navient also calls my mother, grandmother, and husband daily. My mother and grandmother are co-signers on a few of my loans and are unable to help me repay my loans due to their own financial restraints. This is harassment plain and simple and calling my myself and my family members multiple times a day ( including Saturdays ) will not change the mere fact that i can not afford these ridiculous monthly payments they are requesting from me. 

XXXX XXXX University XXXX College XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. 

XXXX XXXX XXXX XXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 


XXXX XXXX XXXX XXXX  Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. 
This account was opened fraudulently. 

CLOSED ACCOUNTS XXXX  XXXX Reported balance : {$950.00} Closed XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXX XXXX  XXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I had a fraudulent charge of {$320.00} for XXXX on XX/XX/XXXX. I noticed this charge when it was pending and immediately contacted my Branch Banking and Trust Company to let them know that there was fraudulent activity on my card. The canceled my current debit card but said that since it was posted they couldn't do anything about it and told me once it posts to call back and report it as a fraudulent charge. I also tried contact XXXX XXXX at this time and again on XX/XX/XXXX, but since I don't have an account with them and they are not my cell phone provide they said they can not help me and to contact you. 

I received a letter from BB & T bank saying they investigated the charge and are saying it is a valid charge so they are going to reverse the provisional credit and I'm responsible for the charge. They are only open during the week and I received the letter on Saturday but they are basically saying that they found it was not an error and I am responsible for the charge. I did not incur this charge nor did I authorize anyone to use my account to make this purchase. This is absolutely a fraudulent charge and someone used my account without my permission.
Product: Debt collection

Hunter Warfield began reporting an apartment collection from XXXX XXXX around XXXX XXXX. The original balance was reported as {$2300.00}, and as of XXXX 2017 is reporting the balance at {$3200.00}. I have disputed this debt to Hunter Warfield directly as well as through the credit reporting agencies that they reported it to as a collection account. I do not owe this debt. There were repeated and significant issues with the apartment and the apartment management breached its duties under Florida law to maintain a habitable environment. There were rodents in the apartment, and I and my children were bitten by bed bugs, and the apartment was consistently infested with cockroaches. The last straw was when my daughter came screaming to me because there was a dead roach on her toothbrush. I am not sure which adjectives I can use to describe the apartment other than completely substandard, disgusting and gross. To add insult to injury, the apartment management created all kinds of bogus and illegitimate fees and sent it to Hunter Warfield to collect. When I tried to explain this to Hunter Warfield, they seemed uninterested in anything other than collecting the debt for their " client, '' whom apparently they presume to be right and the consumer wrong. I paid what I was required to pay and more ; I left in XXXX but had rent paid through XXXX. It is morally reprehensible that Hunter Warfield is attempting to collect over {$3000.00} for these reprobates. On top of this, it seems Hunter Warfield is adding a collection fee or interest charge to the balance each month. I can not see how this is permissible or legal.
Product: Money transfer, virtual currency, or money service

I contacted Bank of America to inform them about that Id been scammed by the XXXX account which they linked to the bank for money transfer. I informed them that I made those transfers but was not given the service I was promised and they told me that they cant do anything about it. They linked the app to their bank and I believe they should be responsible because they required I sign up for the app when I opened the bank. My vendor did not deliver on the service and they are not holding any liability for this. Ive contacted the bank several times without them taking any actions to help me
Product: Debt collection

On XX/XX/22 I received a notice of garnishment from the court for a default judgment granted to Zwicker and Associates for an XXXX XXXX debt that I owed. I reached out to Zwicker and Associates PC collections department for the stated purpose of VOLUNTARILY paying this debt in full in exchange for no longer pursuing garnishment against me. I spoke with XXXX XXXX and XXXX XXXX ( the latter of which conferred with the attorney for my case, XXXX XXXX, at length while I was on hold ). I was told that, although there was typically a 21 day holding period FOR CHECKS, that, per XXXX XXXX 's direct suggestion, a bank wire for {$12000.00} would likely alleviate that, but he would need to speak to the attorney to be sure. After a lot of back and forth between he and XXXX XXXX, he finally came back and told me that everything was squared away and that the garnishment would no longer be pursued. I called back Friday morning ( XXXX ), both to XXXX XXXX in collections as well as another individual in the legal department - both of which confirmed to me that my the wire was successfully executed and that there was no reason garnishment would be pursued and that the only further correspondence I would receive on this case was a satisfaction letter. What is relevant is that when I woke up this morning ( XXXX ) shocked to see that a garnishment was taken from my bank account! I got double-charged! I immediately called and talked to the legal department and was ultimately told that they had only TODAY began the process to notify the XXXX  County Court to release the garnishment. XXXX XXXX, on a recorded line, told me that this was NOT possible to do Thursday afternoon or Friday last week even after multiple individuals from Zwicker informing me that the wire was successfully received. Meanwhile, I am out almost {$13000.00} dollars! Someone should be held responsible for this! And the court record should be rectified! No garnishment was necessary.