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

I called Navy Federal on XX/XX/2019 at XXXX XXXX  to report an unauthorized charge on my debit card ( Incident # XXXX ). The representative that took my call informed me at the end of the call to be on the lookout for an email from the Credit Union and to be certain to respond to the email. I did receive the aforementioned email on XX/XX/2019 requesting any supporting documents and/or information and stating that I submit the information by XX/XX/2019. I sent several items along with my response on XX/XX/2019 at XXXX. In the email was this paragraph, If you have any questions regarding this matter or to submit the requested documentation, you may reply to this email or call us toll free anytime at XXXX. If you prefer, you may send us a secure message online at navyfederal.orgvia our Online Banking service or write to Navy Federal Credit Union, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. You may also reach us by fax at XXXX. Sincerely, Debit Card Dispute Resolution So, I replied to the email at XXXX XXXX. However, your staff keep accusing me of not responding to the email which is not true. I called on XX/XX/2019 after noticing that the temporary credit was reversed. I did not receive any communication from Navy Federal regarding this decision. I called and finally spoke with XXXX who identified himself as a supervisor in the Frauds Department. He took the time to research my account and determined that I had sent the email and requested information and put the credit back in place. He also noticed that the reversal was done prior to your close of business. Again, I received no communication from Navy Federal Credit Union but this credit was also reversed. 
I called again on XX/XX/2019 and told rather than asked that I had not responded to the emails sent to me. This is not true I originally responded on XX/XX/XXXX, I called on XX/XX/XXXX, and again on XX/XX/XXXX. No one from the credit union has once asked me for a copy of the email and attachments I sent prior to XX/XX/2019. The assumption is that I the member with a lower balance account is lying. I believe your staff believe that if they continue to ignore me, continue to be rude to me when I call, that I will go away and that is not an option! Certain members of your staff have been downright rude, nasty and very antagonistic. No one has attempted to resolve my issue. 
I have done everything that has been requested of me. With the email being ambiguous at the least I should have been given the benefit of the doubt and asked to send the information again. Not have an ambiguous email and penalize me for what you are sending out. 
For the record I do believe that if I were of a different persuasion with a larger balance in my account I would not be in this position. I am seeking a full refund of the unauthorized charge, along with the {$40.00} Oops credit line fees credited back to my account. An apology should also be given and perhaps record all calls to your organization. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

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 name : XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my right I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Consumer Loan

I contacted Avant Credit after reading about them on a divorcing mom 's blog on XXXX XXXX 2015. I am mom who fled a domestic situation in Florida with my XXXX year old daughter, who was XXXX. I moved to a new apartment and needed help getting essentials so that my daughter and I would not be sleeping on the floor. I got the application online and filled it out. Someone called me withh in 15 minutes and said that I qualified for the loan and just needed to provide financial information to show that I could pay back the money. I provided pay stubs, and bank statements. I went back into the program to sign my contract when they said I could, but it would n't work. I spoke to the same rep and she said that I spelled my last name with an L instead of an I. I thought that was strange. She told me to sign it with the L and everything would go through. From there I was contacted and harrassed for maybe XXXX times for financial information, resigning contracts for the same loan, and given empty promises that the money would be deposited into my account. The XXXX time the money was supposed to be deposited, I received an e-mailed letter from Avant stating that the money would be deposited into my bank account ending in XXXX .... I contacted them and told them that the number was wrong. I assured them I double checked it and know that i entered the correct information. ( I have XXXX emails supporting what I am saying including the many times they asked me to resign the contract. ) They said that they had to hold my loan until it was returned to them within 3 days and that then they would deposit the money into the correct account. On the XXXX day, they asked me for a voided check for my account so that they could correctly deposit the money. I sent that information to them. 
They said someone would get back to me by the end of the week. Monday rolls around and no money and no call. I called them, they said they received my information and they money would be deposited the next day nothing. Finallly, I went to my bank to see if they had attempted to put any money into my account. The rep there said there had been no attempt. Then, she checked to see if money had been placed in the account with the " mistaken number '' in it. She checked and said that the account number did n't even exist. Then she told me to call them and tell them that she would wait while they deposited the money. The young man, claimed there was an IT problem on their end and said the he would ge to the bottom of it, Friday, and call me on Tuesday. I told them I knew that the wrong account number was false and that I intended to report them to you. They have all of my financial information, including my checking accounts, social security number, bank statements, addresses, etc ... Please help. Oh, and I never got a call back and they never deposited the money. It is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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: Debt collection

None of the choices really applied so the closest to the problem were selected. 

Claims from different Collection Agencies regarding their ownership of the same debt. 
Correspondence back with them did not resolve the situation. The dates of correspondence overlap. 

Since I do not know who to respond to, I am filing this complaint. 

My understanding is that only one can have an active, collection authority.
Product: Debt collection

I sent NCB management a validation letter on XX/XX/XXXX. I asked them to stop communication with me for 30 days. They agreed and sent me a letter telling me they would stop. They lied and started getting in touch with me XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been using different Maryland numbers starting with ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX a least 5 times a day on those days. I have caller ID. They are located in PA and using MD numbers. I sent them a validation letter after I received a phone call from them but no letter about the debt, and they said they did and I asked for a receipt of delivery and they haven't given me one yet. I have receipt of delivery for the validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING INACCURATE PERSONAL IDENTIFIERS
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit and personal information. Please find the particulars of the accounts I wish to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX. XXXX XXXX  XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company completed a charge-off/ collection which is debt that has been discharged and they took a tax write-on XX/XX/year>. After contacting the IRS they explained that it was illegal that that they were reporting this information to my credit report trying and still trying to collect when this transaction has a charged-off status. This is called tax fraud by the IRS. I requested that they remove this item from my credit report and send me my COMPLETED copy of the 1099-C so I can audit it to ensure you they comply. They violated the FCRA 15 USC 1681eb and they are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations against the company. Then they did not credit my account from the dividend payment that they made off of my treasury coupon via the Electronic Funds Transfer Act and I would like you to do so promptly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX My only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In accordance with the Trial Period Payment Agreement signed XX/XX/2021, XXXX XXXX XXXX XXXX is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point XXXX. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet XXXX XXXX resumed such action without sending proper notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX pXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Accounts are paid and I never received any opt out notice.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Credit Bureaus Reporting : TransUnion XXXX XXXX, and XXXX XXXX and Violations XXXX. XXXX XXXX XXXX Credit Bureaus The account is reported as closed on all three credit bureaus, which violates FCRA Section 1681e ( b ). There is an inconsistency in the Date of Last Activity across the reports : TransUnion : XX/XX/2024 XXXX : XX/XX/2024 XXXX : XX/XX/2024 These discrepancies indicate an issue with accuracy and verification, violating FCRA Section 1681i ( a ) ( 1 ).

2. Lack of Proper Verification The remarks indicate the account is disputed by the consumer and meets FCRA requirements. However, the creditor has not provided sufficient documentation or verification of the debt under FCRA Section 1681i ( a ) ( 5 ) and FDCPA Section 809 ( b ), meaning the information should not be reported.

3. Medical Debt Reporting Without Proper Validation The account is noted as a medical debt, but there has been no verification provided that this debt is valid. Under FDCPA Section 809 and FCRA Section 1681i ( a ) ( 5 ) ( A ), a creditor must verify the debt before it can be included on the credit report.

4. No Reporting of Payment History or Past Due Amount The credit bureaus do not report a payment history or past-due amount for this account. This lack of information further demonstrates that the account is unverifiable and should not be reported under FCRA Section 1681i ( a ) ( 5 ) ( A ).
Product: Checking or savings account

On XX/XX/2020 I looked on to my USAA account and discovered two a XXXX  a savings and checking account hold jointly had been drained of all funds.Upon review of the transactions here is the list of the fraudulent ones : Savings Account XX/XX/XXXX XXXX withdraw - {$65.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX XXXX deposit {$1000.00} XX/XX/XXXX USAA funds transfer from account - {$200.00} XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$570.00} XX/XX/XXXX XXXX withdraw - {$600.00} XX/XX/XXXX XXXX withdraw - {$1000.00} XX/XX/XXXX USAA Funds Transfer - {$40.00} XX/XX/XXXX XXXX Deposit {$400.00} XX/XX/XXXX Deposit Check via mobile ( check is made out to a person not known to either account owner and made out for {$170.00}, tried to deposit the check for {$1000.00} ) XX/XX/XXXX XXXX withdraw - {$400.00} XX/XX/XXXX XXXX withdraw - {$400.00} Checking account XX/XX/XXXX USAA funds transfer to account - {$200.00} XX/XX/XXXX XXXX withdraw - {$430.00} XX/XX/XXXX USAA funds transfer {$40.00} XX/XX/XXXX XXXX withdraw - {$100.00} USAA was called on XX/XX/XXXX and notified of the suspicious activity on the account. No response from USAA, called on XX/XX/XXXX and wanted to speak to the joint owner of the account. XX/XX/XXXX called to get case number and update, and was told to wait 10 days. Called XX/XX/XXXX and went into all the transactions. Upon discussion USAA it was discovered that USAA contacted us on XX/XX/XXXX to notify him of a new device added to his account. When looking through his gmail account none of the notifications were in his email, nor trash. USAA notification for deposits and adding access to XXXX was all gone. USAA recommended changing passwords and running a credit check. The criminal might have used access to our email account to then authenticate themselves for the USAA transactions. 
Looking through the gmail account odd emails had been found. It turns out all emails being sent to a XXXX XXXX were in our account. An email was sent to XXXX XXXX and he responded to say that his email had been hacked and that he also had a {$1000.00} bank fraud. 

USAA has not been forth coming with the fraud investigation, no case number has ever been given.
Product: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the banks have already approved of removing the accounts from my file, but a disregard for the suffering I have endured.XXXX and XXXX have already removed these accounts from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete these from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial pulled a copy of my credit report on XX/XX/2021 without my consent.
Product: Checking or savings account

I have a Paypal business debit card so that my friends who I do work for can send me money for work I've done for them and I can have immediate access to those funds without waiting for them to transfer to my bank account. 

I've used the card for about a year without incident. However, apparently I didn't realize that a charge had gone through and it overdrafted my paypal account by around {$75.00}. 

I was never notified about it. Never told my balance was less than XXXX. Had I been I would have tried to rectify it before today. 

Unfortunately, I am unable to work much right now as I have a XXXX illness that makes it hard to keep dependable hours. 

But I was able to do some user testing for XXXX the other day and got some XXXX gift cards in return. 

I need cash more than XXXX funds right now so I sold the gift card to a friend and asked her to pay me via paypal. 

I needed this money to pay for gas and food. I am sleeping in a friend 's couch currently and need desperately to be able to drive for XXXX and XXXX this weekend to make some money. 

But I can't now because Paypal took the money I had apparently owed them ( that again they never notified me about ). 

As a result I am in an extremely precarious financial situation. I don't know how I am going to eat or pay for anything going forward. I feel like I am dead in the water. 

I am terrified. I spent 45 minutes on the phone trying to get this resolved with Paypal today and they refuse to help me. 

I am attaching a screenshot of the transactions that were only reflected in my balance after my friend sent me money. Before that my balance showed XXXX. 

Paypal has violated not only fair debt collection regulations but also banking regulations governing overdrafts. 

Please help. Thank you.