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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns withe the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX account is not mines i was a victim of idenity theft and i have filed a police report and they fail to remove it
Product: Credit reporting or other personal consumer reports

I noticed that Chime was on my credit report saying I had a credit card that never help my credit nor did I receive. Its fraudulent and I want it removed from my credit
Product: Credit card

XX/XX/year> I reach out to capital one about some active that was done on my account report fraud stolen card, and they close it trying to say it's because unpaid but i report it stolen and they allowed a lot more of fraud actions like they went far as trying to use my info to keep the card active
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Balance Owed : {$8300.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX *** Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX **** Balance Owed : {$8300.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been reaching out for months now because i see inaccurate information being reporting on my credit report. each credit bureau reports diffrent data which is proof that they are not 100 % accurate in their reporting. 
XXXX XXXX XXXX each bureau reports a different date of last activity XXXX XXXX XXXX You have the wrong date of last activity XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX remove due to inaccuracy - I never paid late XXXXXXXX XXXX XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX  XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX ( XXXX ) XXXX Please remove this inaccurate account because the date last active is inaccurate. 

XXXX XXXX  XXXX XXXX Wrong date of last payment
Product: Debt collection

HighPoint Asset. Keeps calling me for a payday loan that I never took out. Says they will take me to court or a warrant has been issued for my arrest. I asked for the request in writing and never received it. They just wanted money. I ignore them and block the phone number but they change number every few days.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries, as I am not familiar with them, and they were conducted without my permission by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a Consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had one late payment on an account that I was never late on. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on a payment for this account that I included screenshot inside this complaint on the dates of XXXX XXXX. please investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand the payments be updated and paid as agree on time as they should be due to the fact I was never late. 

Payment history guide 30 days past due as of XXXXXXXX XXXX Thank you
Product: Money transfer, virtual currency, or money service

Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.
Product: Bank account or service

I contacted you regarding a bank going into my credit report without me having any relationship, EVER with the bank. The case number which you gave me was XXXX. The case was closed out. The problem is that to date- XXXX/XXXX/15, the Compass Bank of XXXX XXXX Alabama has not initiated the process to remove their credit inquiry from my XXXX XXXX credit report. I spoke to XXXX XXXX on XXXX/XXXX/15. They reiterated to me that it is a very simple process for Compass to do. However, Compass lied to CFPB as well as me that they would be initiating the process on XXXX/XXXX/15. XXXX XXXX has n't received anything from them. The inquiry is still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.
Product: Debt collection

In XXXX they had called my wife numerous time at work and was instructed she cant get personal calls at work. They continued to call her there at work three times a day and once they did contact her they cont. to keep calling we requested for the to stop all communication due to manner they were handling things. XX/XX/XXXX We received a call again with a guy that stated we never requested it for all the numbers and that they had all the proper documents and then processed to start yelling at me and being very nasty.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS, Reported to all three credit bureaus a debt of $ XXXX.I have never been in contact with this company nor have they contacted me.
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 transaction were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initally available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I am the cosigner on a student loan for my son. It is with CitizensXXXX XXXX Late XXXX, my son was between jobs and on XXXX XXXX he called Citizens/XXXX to request a forbearance. He spoke with one customer service agent who recorded the conversation and said that he was approved for the forbearance and that payments would resume XX/XX/XXXX. He called again on XXXX XXXX to verify that this was correct. He was told that XXXX was assuming the loan from citizens and to log into his portal because they showed that he was in forbearance. Fast-forward to XX/XX/XXXX. I get a credit alert from XXXX that I was 60 days late on this account. This is the same account that we were told was in forbearance until XX/XX/XXXX. We both called several times and were initially told that they ( XXXX ) did not show any delinquencies and that they would investigate and get it removed. 10 days later I get another hit on my credit report indicating 90 days past due. I had to call on 4 separate occasions to XXXX and I finally got an individual who said even though they assumed the loan from Citizens, it was still SERVICED on Citizens platform and gave me the correct number. Needless to say, it should not have been that difficult to reach the servicer of the loan. 

I then called Citizens to complain as to why as a cosigner I was never contacted either by phone or by mail that the account was delinquent. I was " told '' that I was called and sent mail and they also said that my son received mail as well. This is a false statement. I was never contacted by any method because if I had been, as cosigner, I would have made payments and settled up with my son later. We live at the same address and I am the one who check the mail and would have seen email from CitizensXXXX XXXX The XXXX portal that I have been logging into has no information on this loan that has supposedly been assumed from Citizens by XXXX. I have voicemail on my cell phone to where a voice mail could and should have been left if there had been any attempt to contact me via telephone. I have written and spoken with Citizens requesting a one-time removal of the information because I was never contacted and they swear that I was notified and that they are not removing any information. I made the entire arrear payment that same day that I finally got in touch with the correct lender/department . I also created an online account with Citiznes that same day by which the payment was made. I had been viewing all information via the XXXX website up until XX/XX/XXXX. What is even MORE frustrating is that all the documentation of the contact made by Citizens to me in late XXXX was still in my alert center but ABSOLUTELY NO information, message or email regarding a delinquent status. I am attaching screenshots of the message center of my online account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Portfolio Recovery Associates have failed to provide requested validation. 
The amount of debt claimed is {$620.00} for a factoring company according to their credit bureau information. 

This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX : {$28000.00}
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results. 

Also i reached out to the creditor and they made me aware that they have inform the credit reporting agencies with instructions to adjust their records for my credit history, to remove the negative credit information reported on the report
Product: Bank account or service

A court order of citation to discover assets was issued on my accounts at Bank of America. My account was frozen subsequently and I had to go to court to defend myself. I went to court on XX/XX/2015 and the court ruled in favor of me and ordered that bank of America return any and all monies or other property withheld. And the court also ordered that the citation to discover assets be dismissed. I gave a copy of the court order to Bank of America and they have still not released my account. My account is still frozen and ca n't use it and I am still being charged monthly maintenance fees. I have on numerous occasions communicated my fustrations to bank of America but has still not received any fruitful outcome. I would like for your organization to look into this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I was charged an OBSURD amount of over {$2000.00}. IT WAS NOT ME. My phone was hacked and stolen and someone got access to my XXXX XXXX account as well as my XXXX XXXX account. My passwords were all changed and accessed somehow even found out my bank account number was leaked. THESE WERE NOT ME! I need this fixed ASAP because {$2000.00} is OBSURD! Ive never had a problem getting disputes with chase til now and I am FURIOUS that Chase is rejecting my submission for getting my money back, I am going to write a review on how Chase bank handles disputes worse than any other bank I have had in the past. ABSOLUTELY RIDICULOUS! Bank is worth BILLIONS and cant help someone get their funds back. WHAT A JOKE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX This debt is paid and reporting {$0.00} balance but still hurting my credit score. 
This issue came about during the Covid19 outbreak and was just a balance due after I moved out of my apartment. I didn't receive the statement because of staff shortage and the apartment complex not getting it to me promptly. I knew about this bill when I saw it on my credit report and I paid it immediately as you can see from report to paid date. My rent was over a {$1000.00} per month so I wouldn't have purposely let this smaller amount ruin my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally contacted the company about a year ago and your governement agency about this problem. Nothing was resolved. I again sent a fax on XX/XX/18 and again today XX/XX/18. Equifax has had computer issues all day long and keeps saying they haven't received the fax when I have confirmation stating it has been sent. 


From : " XXXX '' XXXX Date : XX/XX/2018 at XXXX XXXX MST To : XXXX Subject : Fax Sent Successfully - Dispute Department , Equifax Dear Your fax to Dispute Department , Equifax at XXXX has been sent successfully. 

You can view delivery information at the following private fax status page. 

XXXX XXXX XXXX
Product: Debt collection

I noticed that it was amount on my report thats wasnt mine and I didnt authorize. Ive been a victim of identity theft
Product: Credit reporting or other personal consumer reports

I submitted a payment on XX/XX/year> to American Honda Finance to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, American Honda Finance ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CONTACTED THE CREDIT BUREAU on multiple occasions regarding discrepancies on my account and they failed to comply with my demands, I am contacting you CFPB because pursuant to 15 USC 1681n ( b ) ( 2 ) I am a consumer and natural person and XXXX, Equifax and XXXX owes me {$1000.00} per violation, for willful non compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to Experian and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and Experian show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.
Product: Credit reporting or other personal consumer reports

A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on my credit report.
Product: Money transfer, virtual currency, or money service

Hello Good day! 
I have been using PayPal since 2017 and during this period I don't use PayPal too much last few month I stared using PayPal and receiving payments from my clients.I have updated my personal account to my business account and the limitations was placed on account immediately PayPal asked me to provide XXXX things proof fulfillment photo id more information about transactions i have XXXX $ in paypal account I provided them all information and photo id document but after 2 days I was received email from PayPal we have permanently limited your account you can no longer do business with PayPal I don't now why all this happened I tried to contact with PayPal but I have not found any reply kindly Help me in this matter and help me in getting back my account Account Details : First name : XXXX XXXX name : XXXX Email address : XXXX Pp reference id : Ref ID - XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,