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 dues to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practiced, 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: Checking or savings account

Several checking/savings accounts were opened in my name by Bank of America which were not authorized. I had an account at one or more times, BOA reps insisted I opened a second account which would be used solely for bill pay, second account was opened and which several fees including overdraft were charge to it. These accounts were not authorized. XXXX XXXX engaged in the same behavior and offered a settlement for fees charged to unauthorized accounts. I request a refund of any and all overdraft fees charged to accounts opened by BOA without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Good morning! 

I would like an investigation for Banco Popular of Puerto Rico in the Department of Credit cards VISA ICON, in regards to the account # XXXX due to : 1. That on Friday, XX/XX/XXXX I tried to enter online to verify my credit limit and realized I couldn't enter. 

2. That I am a XXXX XXXX and depend on my Credit Score. 

3. That I didn't file a claim in 30 days because I paid on XXXX the amount owed in full and left the account in {$0.00}. 

4. That I immediately proceeded to call Banco Popular of Puerto Rico and talked to Mr. XXXX XXXX and he informed me that I have an overdue pay of {$680.00}. 

5. That I told him that the amount could not be because I haven't used the Visa Icon card since XX/XX/XXXX and I paid the balance at that time in full. 

6. That no one from Banco Popular contacted me through phone, email or US Postal Service inform about said charge and my personal information was up to date. 

7. That I informed Mr. XXXX that if he looks at my past payments he would see that I have never been late in a payment and that I always pay in full. 

8. That the amount above mentioned is not mine and they should immediately proceed to eliminate the charge and fix my Credit Score with XXXX, XXXX and XXXX. 

9. That on Tuesday, XX/XX/XXXX I wrote an email detailing the phone call I had with Mr. XXXX on Friday, XX/XX/XXXX and attached the evidence to back the claim as requested by Mr. XXXX. ( VIEW ATTACHED DOCUMENTS ) 10. That on Thursday, XX/XX/XXXX I called Banco Popular of Puerto Rico because they haven't contacted after 73 days an I wanted to know if they eliminated the charge of {$680.00} and fixed the credit score because they never contacted me in any form. 

11. That I spoke with Mr. XXXX XXXX, Supervisor, and he informed me that they have not fixed the charge and the credit damage to my Credit Score. 

12. That he told me that I should send an email to him detailing everything that I have done and that he would have an answer on Wednesday, XX/XX/XXXX but I have yet to receive a phone call, email or letter in the US Postal Service of said solution. 

13. That I called an Agency in Puerto Rico ( DACO ) in regards to said claim and they informed me that to file a claim with them I had to Travel to Puerto Rico because the hearing are there.
Product: Debt collection

Received numerous calls from this number they leave voice message that this is a debt collection company for me to return the call. They do not identify or call the name of the person they are calling for. Looked up the number on the Internet it appears to be a scam. I do not have any outstanding debt for a collector to be calling me. Please advise this company to stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX  ), XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX Acct XXXX  ( XXXX, Equifax XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

COMPANY KNOWING REPORTING INACCURATE REPORTING AND ALSO HAS CREDIT FILE BLOCKED
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of $XXXX on XXXX/XXXX XXXX  – account number XXXX.  (Please see page attached from my credit report.)  I cancelled this account and returned the equipment.  Even after the account had been closed, XXXX  was continuing to charge this account for out-of-country calls that were never connected.  Every month the total charges due on the account continued to get larger and larger.  I contacted XXXX to assist me in settling the balance.  One representative told me they would accept a settlement amount of $XXXX.  I had a payment drafted and ready to go.  When I confirmed this settlement offer, I was told by another representative that the company cannot honor a lowered payment.  As I continued to try and resolve this issue I was informed by yet another representative that they never received the equipment I had returned so consequently I was still being charged on a closed account.  I asked every representative I spoke with if they were referring back to the notes from my numerous phone calls prior and every representative responded that they were in fact reading the notes as well as logging in the new notes.  I find this difficult to believe because there were so many conversations and each representative informed me of something different each time.  I have been trying to resolve this issue for months and have not been able to make any headway.  The account balance is incorrect and this false reporting of a collection/charge-off is seriously harming my credit score.  This line item needs to be removed from my credit report.  I have contacted the (2) bureaus to remove this however, I have not been successful.
Product: Student loan

To whom it may concern, There have been several attempts to delete the referenced student loan accounts from my credit reports due to the fact they have not been verified properly... I recently called the dept of edu for account numbers XXXX and XXXX and requested a promissory note for these accounts opened up in XXXX The information that I received is saying that the accounts were opened up in XXXX about consolidating the loans that were opened up in XXXX.. The problem with these accounts is that My name is spelled incorrectly ... My name is spelled XXXX XXXX not XXXX XXXX The other thing is that there is no signature of the original documents of my signature that I asked for there is a computer typed in misspelled signature of XXXX  XXXX... The other problem is that There is no record of the original loans that were opened up in XXXX Another problem is that the address linked to these loans would not have been linked to the above accounts the were originally opened in XXXX  because I was not affiliated with that address... I am asking the the accounts be deleted again.. There is no proof that these loans are mine... Please review and delete the closed accounts on all three credit bureaus... 
Thank you with kind regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, XXXX XXXX XXXX has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.
Product: Credit reporting or other personal consumer reports

XXXX trans Union and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX trans Union and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a ( FCA ), 31 U.S.C. 3729 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( I try 15 U.S. Code 16 15 U.S. Code 16960g I have make multiple disputes to each Trans Union, XXXX and XXXX in the year of 2024 my credit report has not been fixed there are debts and collections and inquiries that are still on my credit report that should have been discharged. After making multiple disputes.
Product: Mortgage

My home equity loan with Bank of America went through bankruptcy. They are now raising my interest rate XXXX basis points. I called them about this and their only explanation is that it is a variable interest rate. The mortgage company can not raise my interest rate or change the terms of of loan because of bankruptcy protection.
Product: Credit reporting or other personal consumer reports

This information is inaccurate and does not belong to me
Product: Debt collection

Calls received my family members and myself claiming a crime has been committed and that thay are trying to locate me.
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report. Information not belonging to me are listed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Amount : {$7000.00} Account # : XXXX
Product: Debt collection

To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Receivables Performance was inaccurately reported to my XXXX and XXXX credit report. Receivables Performance is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters from XXXX 2019 to XXXX 2019. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Receivables Performance and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXX Account Number : XXXX, Account Name : XXXX CARD. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account 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 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 XXXX 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: Checking or savings account

I was denied a bank account around last year XXXX at Truist Bank. I sat, deposited {$100.00} in a checking account and {$400.00} in a Truist Savings account. I went home to set up my online banking and it keep saying ERROR. I went to Truist, and I was told my account would be closing and the money deposited ( {$500.00} ) will be mailed to me in a check. Again it has been over year and haven't received check in the mail. Also my checking account is being charged {$12.00} every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICE XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

my name is XXXX XXXX im a former customer at Netspend incorporation in XXXX XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

my account has been completly compromised and drained. ive talked to the company about this matter. ive even filed disputes regarding this matter. 
they wrongfully closed my accounts without permission and my knowledge. 

i asked them to further investigate this matter, but i haven't got outcome thats suppose to happen, they've ignored my calls and emails several times. 

i believe they a guilty party in this matter. 

all i ask for in this resolution is my and my kids money returned to us. over XXXX XXXX  is missing. their has been mobile accounts on my account that i did not authorize, plus netspend denied me of my mobile transaction and transfers. 


ive talked to two guys from netspend by name of XXXX XXXX and XXXX XXXX they both lied to me about my funds. XXXX XXXX is the president and the person in charge of netspend. 


ive even filed a complaint with better business bureau and filed a police report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and credit accounts from XXXXXX/XX/XXXXwith a balance of {$6000.00}, XXXX XXXX XXXX XXXX with a balance of {$440.00}, XXXXXX/XX/XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$4700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BIRCHWOOD/XXXX  XXXX  XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX  XXXX AND XXXX XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


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

I am filing a complaint against TransUnion for failing to conduct a reasonable investigation into inaccurate items on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail with tracking number XXXX. In this letter, I requested an investigation into several inaccurate items on my report, as well as corrections to incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, when a consumer disputes the completeness or accuracy of any item of information in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is clear that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights under the FCRA. 

I am including a copy of my dispute letter sent to TransUnion and their response as evidence.