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 postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices in which transactions settled insufficient balances despite initial available funds. I believe these transactions are unfair and I request an investigation into my account transactions.
Product: Debt collection

For the last 6 paychecks, Attorney XXXX XXXX has been garnishing 25 % of my wages without notifying me of a lawsuit against me. On XX/XX/XXXX, I called their company and spoke with someone who said that they did serve me the paperwork, however, I informed her that I was never served. According to the paperwork they have, they served me on XX/XX/XXXX at an address that I have not lived at since XXXX. I am not sure whose signature they obtained when they " served '' me but I never received any notification from them. When I notified the attorney of this, they said that I would need to send a down payment in order to stop the garnishment and start a payment plan. They have already taken {$280.00} and I already know that I can stop the garnishment through my civil courts. I would like to file a formal complaint against this attorney for illegal practices and possible forgery of legal documents.
Product: Debt collection

This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 
Please investigate the following accounts : Negative Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once your investigation has been completed, please forward all relevant information validating the accuracy of the debt, including the results of your investigation, to the address listed above. 
Thank you, XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 XXXX financial mistakenly charged my 5/3 bank account twice for my car payment {$1100.00} which made my 5/3 bank account over draft. Fifth third bank charged my account 5 times of the amount of {$37.00} once on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XXXX XXXX. On XXXX XXXX I was charged a extended overdraft fee of {$10.00} all totaling {$150.00}. My arrangement with XXXX is they only suppose to take out XXXX payment out of my account each mount for {$1100.00} automatically I don't know why they choose to take out XXXX payments for this amount. But Fifth Third bank is treating this like it is my fault they only refunded a portion of fees but they not going to remove the fact that I was even charged a overdraft fee which have damaged my account and removed some of the features I once had on my bank account like check cashing on the banking app. I want all my money back in overdraft fees. And remove the fact my account was overdrawn because this was not my fault. I will write a separate complaint on XXXX also for messing up my bank account. But I feel like 5/3 bank should not profit off XXXX mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, UPSTART NETWORK INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

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

15 USC Section 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.
Product: Credit reporting or other personal consumer reports

I'm receiving Threating phone calls and emails from the company below and XXXX, XXXX, XXXX are transferring my information without my consent. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC C/O Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, an unknown person contact XXXX XXXX via their website and requested an address change. When notified of the change, I contacted XXXX XXXX and confirmed the address request was fraud and requested my original address be re-instated. They said that the did. I continued to receive statements at my correct address. 

XXXX XXXX reported the fraudulent address to Experian. I contact Experian and request to dispute the address. Experian told me that XXXX had to notify them that they sent the fraudulent address and that it was fraudulent. XXXX informed me that I must make this request in writing, which I did. Roughly 1 month later, I received a form letter stating that XXXX did not send the fraudulent address to Experian and encouraged me to send information backing up my claim. 

Note : there is no doubt that XXXX sent the address. They are the only company that has ever had the fraudulent address listed for me. The Experian credit report identifies them as the company that sent it. 

I sent by mail my request to XXXX to inform Experian that the fraudulent address was fraudulent and request its removal. I included the relevant portions of the Experian credit report indicating that XXXX provided the fraudulent address. Roughly 30 days later I got the exact same letter a previously, saying XXXX did not send the fraudulent address to Experian. Note that this is again a form letter that does not engage in a discussion about how the came to such a ridiculous conclusion nor did it explain why they were ignoring the evidence I provided. 

I then contact XXXX XXXX by phone. I eventually got to a person who said they would help and that I should expect written confirmation within a month. No such written confirmation came and the fraudulent address remained on my credit report. 

Some time later, I contacted them again in an attempt to get this resolved. This time they only said there was nothing they could do, were condescending, and eventually starting lying to get me off the phone. 

During this process, I also contact Experian who eventually explained why they could not remove the fraudulent address. It is because XXXX is still reporting the fraudulent address to them. 

At this point, I started leaning on my contacts at XXXX XXXX who co-brands the credit card. They were able to eventually reach people at XXXX who professed to be able to help. I was instructed to send the same request in writing to XXXX as previously. I did so and got the same form letter back. A day later, I got another letter from the office of the president that said they were no longer reporting the fraudulent address to Experian. Another call the Experian confirmed that XXXX was still reporting the fraudulent address. A few more useless calls and we are up to today. My Experian credit report still has the fraudulent address, XXXX still denies any responsibility and despite being my credit card company refuses to address the situation in a meaningful way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found a hard inquiry on my credit report from a XXXX bank on XX/XX/2022. I have never done any business with a XXXX bank and do not know why they put a hard inquiry on my credit report. I contacted XXXX Bank and but they never gave me a clear answer why there is a hard inquiry on my credit report and asked me to contact TransUnion to remove the inquiry. I tried to contact TransUnion several times but never reached a real person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried applying for a extension of credit and I tried to open a bank account and I can not because there is a fraud alert and or freeze on my consumer report that I called in and asked transunion to remove they refused to remove it and told me I need to write them a letter to have it removed. I wrote them a letter that was mailed on XX/XX/22 asking them to remove the fraud alert. It is still on my consumer report. And Transunion owes me for previous violations.
Product: Bank account or service

I decided to open a new checking account after receiving a promotional mailer from Capital One 360 Bank offering a free {$400.00} ( promo code = XXXX ) for customers that open a new checking account before XX/XX/XXXX and receive XXXX direct deposits of {$250.00} or more within the first 60 days. I called Capital One and spoke with a representative the same day because I pon completion, there was no direct mention of the promotion. The customer service rep told me the promotional mailer would be honored after I filled the requirements and instructed me to call them back. I went ahead and setup my salary payments for deposit into my new Capital One checking but when I called them back I was told that I only qualify for a free {$100.00}. I told them that I did n't want to open a new account and go through the hassle of changing my direct deposit information unless I was going to receive the free {$400.00} and I feel like I was intentionally deceived with only the bank 's best interest in mind. I think Capital One 360 Bank should honor the free {$400.00} promotion that was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report the actions of the Credit Reporting Bureaus and those of XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX XXXX XXXX  ( COLLECTION ACCT # XXXX ) to this complaint forum and request an investigation for their unlawful actions. A payment in full was made to this debt at least twice at this point at XXXX XXXX XXXX XXXX and then I received notice, past the 4 year mark, that the debt was going to result in a lawsuit if not paid immediately which, according to FDCPA law, is actually a violation of of section 811. I was scared and sent payment and as a result they re-aged the debt and and re-activated the account which was due to fall off in XX/XX/XXXX but it did not because one of these institutions changed the the XX/XX/XXXX date to XXXX XXXXalong with company name, information, balance without presenting a miranda to me. This item is supposed to be off of my report and is now actually 7 years and 1 month old. The bureaus allowed the name change, date change and re-reporting of old information without right and continue allowing the collection agencies to continue to report the account as delinquent, until now. A lawsuit is in motion at the XXXX XXXX Small Claims Court in XXXX XXXX   court District and I will add all three bureaus to the small claims court documentation if I do not see a removal of this account in 30 days. Please note that I believe I have escalated this fraudulent account enough and after mail, phone and online attempts were denied I am forced to seek legal and public help.
Product: Student loan

I have written three times and called Experian, explaining they are reporting an account that has been transferred and should show as close. In stand, they are reporting the account twice. I have given them documentation of my total student loans and they still have not corrected the report. 

I have written three-letter and each time the information has not changed. The two accounts have the same information. My only option at this point is to file a suit against Experian for publishing a false credit report under my name FAILURE to COMPLIANCE with REPORTING LAWS, certainly, the METRO 2 Data Formatted Reporting Regulatory Standards although the XXXX XXXX XXXX is DESCRIBED as being a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting to create an accurate report.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Student loan

I CONTINUE TO BE HARASSED ABOUT MY XXXX  COSIGNER. This has crossed over to undue stress as they are brought up EVERYTIME despite having filed his death certificate with NAVIENT on 3 separate occasions through fax and physical mail. This compounds the hardship I now face XXXX  him in life and financial assistance and it is harassment towards his family that did not sign up for supporting the loan.
Product: Vehicle loan or lease

Credit acceptance report my included in my bankruptcy it was not. I continue to make monthly payments Account paid off by XXXX XXXX had full coverage on an auto accident in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leaked ( involuntarily ) acquired sensitive information that could lead to future/ present damages to my financial future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : XXXX by : [ XXXX XXXX XXXX XXXX XXXX of Inquiry : [ XXXX XXXX, XXXX  ] XXXX Reporting Agency XXXX XXXX XXXX ] Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears.

2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account that is reporting to my credit report incorrectly. Account XXXX XXXX XXXX is reporting to my credit report with an incorrect balance of {$2200.00}. I do not owe XXXX or anyone else this amount. This item was purchased by a Third Party Debt Collector. 
This account must be deleted as the status is not correct the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is not correct & not accurate. Therefore it must be deleted immediately. I will attach the account name and number for reference and incorrect amount. This is a clear violation the FCRA as this is not accurate or complete. Delete this immediately as it is effecting my ability to obtain a healthy credit.
Product: Credit card or prepaid card

On XXXX XX/XX/2019 I ended my account with PNC Bank. The credit card I had was a prepaid credit card for {$300.00}. I made a payment of {$290.00} as a final payment to close the account. I received a reimbursement check and cashed the check in XX/XX/XXXX around the fourteenth. There were overdraft charges that I challenged because the bank had taken the payment, then returned the payment, then took it again. I have spoken with multiple representatives. The bank has also changed the amount that they claim I owe. It has gone from {$300.00} to {$290.00} and now it is claimed to be {$100.00}. So even the bank can't figure out what is right.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX XXXX  XXXX  : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments I have made and have the correct dates. This company not given me credit for some, They also, have sent me letters and charged me for being late at least 30 days when I was not. They do not reflect the dates when the payment is made due to a indept accounting statement. I have kept receipts and the employees change too often. Their time is Eastern and mine is Central Standard.