23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Navy Federal Credit Union, my bankers, has blocked my XXXX account permanently for no justification. They content that I received that someone sent me XXXX of {$150.00} which the same person went to the bank that the money was drawn from that there has been a fraudulent transaction from someone to me. The person who transferred the XXXX to me is called XXXX XXXX. I contacted him about this situation and he explained to me that the account he used to send me the XXXX from XXXX XXXX  has multiple people on the account. One of them was his niece. This niece of his, according to XXXX, reported to XXXX Bank that someone has fraudulently transferred {$150.00} from her account to XXXX XXXX XXXX ( me ) through XXXX. 
XXXX XXXX, without investigating, sent a message to XXXX and Navy Federal about this transaction activity. 
After I contacted XXXX about this issue, he called XXXX XXXX  the it recanted the fraud and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to Navy Federal.

As I write this piece, Navy Federal has not reactivate my account for not justification. The bank mislead me by saying it XXXX that place the ban on my Account but XXXX vehemently denied that. The later agreed that it did that. This is brazen corporate outreach against person of color like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/2022 that Credit Bureaus closed my complaint to protect my PRIVACY. I called 3 credit bureaus after I purchased a credit report from XXXX on XX/XX/2022 After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX, XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Debt collection

As most American, lve been deeply affected by the Pandemic and my ability to stay afloat financially has been quite challenging. Ive contacted discover back on XX/XX/2020 and just today. I also just received a certified letter from Discover indicating that legal actions will begin on XX/XX/2020 from which legal judgment against me will follow. I was previously set up on a payment of close to {$300.00} for a balance on XXXX. I failed behind on those arrangement and called on both occasions to find payments alternatives, however, on both occasions, I felt as if discover was trying to coerce me into payments agreement I can not afford or maintained. They concerned is to try to prevent the charge off the account, even though me, the customer, can not afford. They keep stating that the dont want to exacerbate my ongoing hardship, but payment of close to {$300.00} for 24 months is something I should be able to do, according to discover, which is crazy as my finances paint a different story. The offered two settlements options today, one for over XXXX and another one, of over XXXX, both to be paid within 24 months. However, these range from close to {$300.00} to over {$200.00}. When I asked a longer than 24 months settlement for the reduced balance for over XXXX, discover stated it could not be done. Not an option for me at the moment, they say. The representative I spoke to a moment ago wanted me to accept a hardship payment for {$35.00} for 90 days, then paying the entire XXXX balance at the end, which and again, is not an option, but he wanted to know why I was not accepting this offer as he was trying to avoid the account from being charged off. He became aggressive even though I clearly indicated I wasnt comfortable with the hardship plan as it didnt address the main issue of paying back the XXXX owed, which I take full responsibility for. I dont have XXXX laying around today for Discover Credit card, I doubt Ill have that in 90 days to give to discover. The representative got so heated during the call that I politely thank him for his time and advise that I was terminating the call. Which I did
Product: Credit reporting or other personal consumer reports

Experian and XXXX refuses to address fraudulent accounts listed on my report. I've inquired to them regarding inaccurate information reporting to my account but they refuse to address the issue. Ive attached a FTC report and ID to help remove the fraudulent accounts from my profile. I've been a victim of ID and had my wallet stolen which contained my SSN and ID. The following accounts don't belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone is using my social security number, name, date of birth to open an account. I'm a victim of identity fraud also recorded on FTC. They are also calling betraying to me the account holder to all of my creditors and closing my accounts.
Product: Credit card or prepaid card

last year i was convinced to switch my DISCOVER CARD to a discover " it '' card ( by a discover card representative ) because of all the benefits i would get, but when it came time to receive the biggest benefit, they would not give it to me, because it was a switch, and not a new application. the benefit with the " it '' card is supposed to be double your cashback bonus upon your anniversary date. they even have commercials about this feature, to entice you to get an " it '' card. i was not told i would have to cancel my then current discover card, and reapply for a new card at the time. i was told it would just be easier to switch to the new card, but i was assured that i would receive all the benefits. i consider this deceptive and false advertising on their part, and would like my cashback doubled as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items appear on my credit report. Theses items we re d   ischarged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED   IN Chapter  XXXX  Bankruptcy :   XXXX   XXXX   IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( I llegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away ) KINGS CREDIT SERVICES  ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
Product: Debt collection

When I became customer of XXXX, I had an extra line added in my account without my permission. That caused a lot of mess in my billing, and surcharges, which caused me a lot of trouble, work issues ( and financial loss ). I ended up canceled my plan and moved back to XXXX, which is a pre paid ( no surprises service ). 

This debt is being collected again, and it need to be sent to XXXX. 
If this situation and the alert in my credit report remains, I will surely fight againt Jefferson Capital in the court : Name on Account XXXX XXXX Debt Description XXXX  Account # XXXX Amount of the Debt {$1300.00} Current Creditor Jefferson Capital Systems LLC JCS Reference # XXXX
Product: Student loan

For the second consecutive month, Sallie Mae has incorrectly and falsely reported my payment status to the credit bureaus that they report to.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
EXPERIAN XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXXXXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 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. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All 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 an 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 reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting 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. also states I have the right to privacy. 

Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct XXXX XXXX, Account name : XXXX acct # XXXX Account name : XXXX XXXX  acct # XXXX Account XXXX XXXX XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name XXXX XXXX XXXX XXXX  acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX has violated my rights. 


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 or prepaid card

On XX/XX/20 I paid total amount due on my credit card {$2200.00} in cash. The next month I was charged an additional {$20.00} for interest. I called Bank of America and was told that Total amount due was not Total amount due because it didn't include interest posted on the XXXX of each month? I am also concerned about the new Total amount due for my next billing. Is there interest on the interest? Is this a black hole that can never be satisfied? TOTAL AMOUNT DUE should be just that - unless there is some tricky financial advantage in hiding actual amounts.
Product: Debt collection

My name is XXXX XXXX XXXX. My date of birth isXX/XX/XXXXMy social security number is XXXX. You are listed as a student loan servicer or lender on credit reports about me. You have reported various account information data related to the alleged loans concerning me. Note I do not agree with the various account information that you are reporting about me. Assist me in the verification of the alleged student loans you are collecting and your legal status. Please send me a copy of all promissory notes of all student loans that you service related to me. Please send me a copy of the promissory note for any and all student loans that you originated. Please send me a copy of any assignments of the promissory notes for the related student loans. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. Kindly provide this information to me in writing by mailing it to my address above within 30 days. Out of an abundance of caution cease and desist any and all credit reporting of the related accounts. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I requested a loan to consolidate debt on XX/XX/XXXX. I submitted all proof of XXXX and rental income that was requested by USAA. Also, some of my current debt was covered by loan protection/ XXXX and that debt shouldnt count against my DTI because it was covered under my loan protection plan I explained this to them. However, USAA has decided to not extend me a loan saying my obligations are too high XX/XX/XXXX. This is the reason I am requesting a loan consolidation to bring my DTI down and to make one payment. I have the income to afford the loan but I feel they are discriminating against me because I am a XXXX veteran.
Product: Checking or savings account

My account with XXXX XXXX XXXX was hacked and the following activities took place : 1. On XXXX/XXXX/XXXX, {$750.00} was fraudulently drawn from my checking account. 
2. On XXXX/XXXX/XXXX, {$3100.00} was fraudulently drawn from my checking account. 
3. On XXXX/XXXX/XXXX, {$2000.00} was fraudulently withdrawn from my checking account 4. On XXXX/XXXX/XXXX, {$320.00} was fraudulently withdrawn from my checking account. 

As a result of these illegal activities, the account sustained NSF charges in the amount of {$450.00} This case was reported to the Fraud Investigation Department of XXXX XXXX XXXX on XXXX/XXXX/XXXX. It is over 48 hours and no response and this has put me in a serious financial stress.
Product: Credit card or prepaid card

I had a balance transfer amount remaining that was coming due on XX/XX/XXXX. Chase does not offer an option on their website to allocate a payment to a particular purchase with an outstanding balance. I called the company on XX/XX/XXXX and spoke to a payment representative and asked if I could allocate a payment directly to the remaining balance of the balance transfer in order to avoid interest payments or fees on that balance transfer. The payment representative told me yes, she could accept a phone payment and allocate the payment directly to the remaining balance transfer amount. I then gave her my banking information and she transferred the funds and told me the payment would be allocated to the balance transfer amount. I received my XXXX statement, and the payment I had made had not been applied to the balance transfer amount. Instead, Chase applied the payment to the balance with the highest interest rate. Therefore, I was then charged interest on the remaining balance transfer amount. I called Chase on XX/XX/XXXX ( today ) and spoke with 3 different representatives that told me that I was misinformed. Chase payments above the minimum balance are always applied to the balance with the highest interest. Since the balance transfer amount at the time of the payment I made on XX/XX/XXXX was still a 0 % balance, the balance was applied to my highest balance. The last representative I spoke with today, XX/XX/XXXX, did agree to credit me for the interest I was charged on the remaining balance transfer amount, but she said she could not correct my account to allocate the payment I made by phone on XX/XX/XXXX to fully pay off the balance transfer amount because that was not their policy. Essentially, under their policy, I have no rights on where I want my payments to be allocated in order to avoid interest fees or charges. If I had known and understood their policy, I would not have continued to use their credit card until my balance transfer had been paid in full. Under their policy, no one that continues to use their credit card, will ever be able to pay off a balance transfer amount if they continue to use the card to purchase items because the highest amount of any payment during the promotional period will always be applied to the balance with the highest interest, which is not the promotional balance since that balance is 0 % during the promotional period. I STRONGLY feel this is fraudulant practice on the side of this card, and if this sadly does not meet the legal definition of fraud by a credit card company, this is absolutely bad and unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a phone call at XXXX XXXX  from XXXX XXXX   claiming that she was doing a curtesy call and that she was a lawyer trying to do a follow up of a complaint I made thru you guys against a payday loan and XXXX XXXX  she when I then asked to clarify who she or what company she was from and then stated XXXX XXXX  I said I should not be talking to you if your the one I am making a complaint to and that she should not be calling me she should be giving the CFPB a response to my complaint not following up to me directly regarding the complaint seeing that she also stated that she is a lawyer she should of known that and not reached out to me to question me about a complaint made to XXXX XXXX  the fact that she went behind and directly reached out to me is not what she was suss posed to do not know where's when I make this complaint nor when I submitted that complaint did it says that the person that I made my complaint about would reach out to me the CFPB stated after and in the following email that as soon as you guys recieve a response you will follow up with me of the response from the business not that the person said complaint was against would reach out to me that is a lawyer tactic she was trying to get away with thinking that I would not catch on I do feel that she reached out to me as a tactic to so called get me to incriminate myself per say by saying something not as the same for first complaint I feel she was not proper and that a lawyer with any professionalism especially someone with XXXX XXXX  would know not to call me as well as making a what she called it a curtesy call before she gave the CFPB her response the call lasted 6 minutes as recorded on my call log
Product: Credit reporting or other personal consumer reports

I am listing 6 fraudulent inquiries from my XXXX and Equifax credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXthe listed inquiries do not belong to me and must be removed from my XXXX and equifax credit report. i had a call with all companies and credit reporting agency and was adviced to fill identity theft report for deletion i am requesting XXXX  and equifax to mark listed inquiries as fraudulent and remove them from my credit report.
Product: Debt collection

Three letters sent by fax and USPS to Franklin Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and XXXX and the account is still being reported as of XX/XX/XXXX. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!
Product: Vehicle loan or lease

Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XX/XX/23 XXXX XXXX XXXX deleted my credit card ( which i had just paid the full balance on 0f {$1200.00} with some fees and was planning to use the money to pay bills to which the money came from a loan i got from my retirement ) as the claim, due to a investigation from equifax that equifax claimed i disputed fraud ( which was incorrect, the dispute i had with equifax was about the reporting of several accounts based off of one account, and to correct it ) which was incorrect information. equfax claimed and advised first premeire to the result which they deleted my account without my agreement.. i would like for my full credit card account privilages to be re established and full monies funded, and punitive damages for fees inccured.