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

I am writing to file a complaint against Navy Federal Credit Union regarding to multiple overdraft fees I have incurred. Despite having sufficient funds when transactions was authorized. I was charged fees due to lagged of posting if chargers and credits. This issue aligns with the recent CFPB findings with the Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I know that these practices are very unfair and request a full investigation into my account transactions.
Product: Student loan

I took out my first private loan in XXXX with XXXX XXXX bank as the lender and AES as the servicer. I have a total of 6 loans with a remaining balance of {$88000.00}. Over time my loans were sold to NCT. Over the life of the loan I have paid a total of {$160000.00}. I have been given incorrect information by AES on multiple occasions. In XXXX I was told if I made full on time payments for 5 years I could release my co-signer. Once I completed those 5 years I was told I couldn't release my co-signer because in the past I used a reduced payment plan. 

Current date I have requested contact information for NCT so I could speak to them directly. I was told " XXXX XXXX XXXX  '' was the contact for NCT. I called and gave them my SS # and they informed me they do not that my loans. I reach out to AES via certified mail twice to provide me with legal documentation with with NCTs contact information or paperwork stating they own my loans. As of today XX/XX/XXXX the only thing I have received is the original loan paperwork. Zero information for my lender-NCT. 

I am trying to find the lender for my set of loans to provide information of ownership as my lender with contact information.
Product: Checking or savings account

XXXX XXXX XXXX XXXX. Is a business that went through my account from PNC fraudulently taking {$89.00}. PNC denied my complaint and sent me documents relied upon to make the decision. The documents sent was very poor and did not provide me with a legit phone number for the merchant nor a website. A tracking number of the product was fraudulent after speaking with USPS.
Product: Checking or savings account

Suntrust rearranged transactions in the checking account to obtain overdraft fees holding deposits and rearranging deposits to gain more fees they also ran transactions through when card was locked and approved transactions that should haehvbeen denied so they could illegally obtain overdraft. Overdraft protections were off
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and XXXX to request items on my credit report be deleted. The accounts were two XXXX accounts. I was told the deletions will take place within 24-72 hours. The deletions did not occur and the accounts were " updated ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX : Account # XXXX XXXX XXXX Co : Account # 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 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports 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: Checking or savings account

I opened a business account on XX/XX/2020, I did this because I had a personal account with them. I made a total of 9 deposits the same day, 1 ) {$100.00} cash, 2 ) 8 checks totaling approx {$850000.00}. I sent online banking with no problems, XXXX at the XXXX XXXX XXXX in XXXX, FL called me Monday and stated they need a few more documents. Tuesday XX/XX/2020, I went to the Branch to give XXXX the requested documents. On Wednesday XX/XX/2020 I was unable to log into my online account. I Called and spoke to XXXX, she stated the bank decided to terminate the banking relationship on my personal and business account. I asked why and got an " I don't know ''. I asked about the 9 deposits and when I can come in and get a bank check. She stated she would call me. Well I waited a couple of days, then decided to drive there and speak to her. She stated that the bank sent the checks back to the maker. I was dumbfounded!!! WHY??, I asked, she said she doesn't know. This was  XX/XX/2020. I tried to call customer service the same day, was on hold for ever, finally got a representative on the phone explained the situation and they refused to speak to me. On XX/XX/2020, I called the maker, they stated that they never received anything from TD Bank, in fact the checks cleared their account XX/XX/2020. On XX/XX/2020 I went to the branch, only to be told I had to make an appointment and it had to be made online. On XX/XX/2020, I submitted the request, received an email confirmation, stating a representative would be contacting me to set up a day. Today is XX/XX/2020 and I have yet received that phone call to set up the appt.. Because of this I decided to file this complaint along with a XXXX  complaint. What TD Bank doesn't realize, is that our banking relationship is not completely terminated, not until I get my money back. This is sickening with what they do to any consumer, it's especially disturbing with the Covid-19 destroying businesses and TD Bank is right there with Covid-19.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I have discovered unauthorized activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these items blocked and removed.

Fraudulent Accounts to Block and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5100.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5500.00} XXXX. XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$30000.00} Fraudulent Inquiries to Block and Delete : XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again, There are accounts that need verifying that are still in my report here is the account that needed investigation : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00} These accounts are inaccurate, I did not incur any late payments. Please update to pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 
15 U S.C 1681 SECTION 604A Section 2 : Also States a consumer Reporting agency account can not furnish a account without my written instructions. 
In accordance with the fair credit reporting act XXXX accounts # XXXX XXXX  dual card Credit finance via XXXX XXXX XXXX TransUnion consumer inte. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your company is in violation of my right and if this is not resolved I will be seeking litigation. You guys reinserted a fraudulent account back on my credit report after deleting it.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. 
The unverified items listed below remain on my credit report in violation of Federal Law. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

My credit report includes incorrect inquiries linked to 15 USC 1681c-2. I request that all hard inquiries I didnt authorize be removed immediately. Thank you!
Product: Credit reporting or other personal consumer reports

This account ( XXXX XXXX XXXX XXXX Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today XX/XX/XXXX and noticed that my score dropped 23 points. When I went to check the cause XXXX XXXX was listed twice. Once for a credit card with a {$0.00} and then for car payments that has not been late. I have disputed the late pays once but why would my score change for old late payments and not recent late pays. I am disputing late pays for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  is clearly in violation of the Fair Credit Reporting Act. I am absolutely fed up with them messing with my credit score and reporting inaccurate information. I send certified letters and it seems that my information gets ignored. Please assisting me in getting them to comply and report my information accurately. I have no late payments for XXXX  XXXX and my credit cards are at a {$0.00} balance
Product: Student loan

I have been paying on a student loan since XXXX. My wife and I are both XXXX  in XXXX XXXX XXXX  from 27 years. ( I retired last year as a XXXX and went back to XXXX in another state ). The amount was originally I think around {$32000.00}, I have copied and pasted below what is currently on my servicer 's website and it goes backwards from current to XXXX. I have been making {$330.00} per month payments on this loan since XXXX and currently owe MORE money on it than I did when I started??? I don't understand why this loan is not paid off yet? When I've asked questions, I am told it's because it is not a direct loan so it can not be forgiven. I was told by the current servicer ( Nelnet ) that I would have to " first be consolidated into direct loans to qualify as it is a direct loan program. '' and that " unfortunatey if the loan would be transferred, you would have to start over and make ANOTHER 120 payments and work for ten MORE years!!! My wife is XXXX and I am XXXX. I am trying to understand how this could happen to us, could you provide us with any answers?? I feel that i have been a victim of some kind of predatory lending as my service transfers me to other companies all the time and then apparently I didn't realize I had to start over on the ten years? and it wasn't even my choice, they just transfer it. Please advise if you could help me in any way. 


XXXX XXXX XXXX ' XXXX XXXX and Below is my account information : Account : XXXX Current Balance : {$38000.00} Past Due Amount : {$0.00} Current Amount Due : {$330.00} Payment Amount : {$330.00} Due Date:XX/XX/XXXX Group : C Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$15.00} Last Payment Received : {$110.00} on XX/XX/XXXX Outstanding Balance : {$13000.00} Principal Balance : {$13000.00} Loan : 3 Due Date : XX/XX/XXXX Loan Status : REPAYMENT Loan Type : CONSOLIDATION Interest Subsidy : Subsidized Original Loan Amount : {$19000.00} Interest Rate : 5.250 % Accrued Interest : {$15.00} Capitalized Interest : {$0.00} School Name : Lender Name : NELNET ACADEMIC LOAN Principal Balance : {$13000.00} Convert to Repayment : XX/XX/XXXX Disbursements : {$10000.00} on XX/XX/XXXX Disbursements : {$8500.00} on XX/XX/XXXX View Benefits Group : D Due Date : XX/XX/XXXX Fees : {$0.00} Status : REPAYMENT Interest Rate : 5.250 % Accrued Interest : {$29.00} Last Payment Received : {$210.00} on XX/XX/XXXX
Product: Checking or savings account

Good day! My name is XXXX XXXX, and I am reporting Chase Bank, and all its affiliates because I found out that a fraudulent account had been opened in my name, and as such has prevented me from actually opening up a legit account with them, along with a debt being tied to my credentialswhich is totally unacceptable. To which I responded to their request needing information for them to complete an investigationto which I did, and I have YET to receive any type of correspondence, which prompted me to have to call them to which I was informed that there were supposedly no accounts matching my SSN and Date of Birth, but yet their system still says I have an account with them, and wont let me do anything. I am being lied to about a fraudulent account that I never opened, and am being jerked around about being able to open a legit one. This is discrimination, and if this situation isnt rectified, then formal litigation will be bought against all affiliates as well as Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax need to my address on file XXXX and XXXX have the address on file but not Equifax
Product: Credit reporting or other personal consumer reports

Account was sold to collection agency and XXXX XXXX is reporting my old accounts as closed but with a status of open and charged off and with a balance
Product: Debt collection

XXXX contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.
Product: Credit reporting or other personal consumer reports

I have attempted to access my credit report on the Experian app and regular website. It had not been updated since XX/XX/XXXX. The error says that my creditors may have different information and I can't have access until it is fixed. 

I called Experian member services. The agent told me that it hasn't been updated because my creditors have not sent Experian any information. She recommended I call every company and ask them to send Experian my account information, which is ridiculous. 

She told me there is nothing that Experian can do to fix this. She was rude, raised her voice, and spoke over me. She further stated that I can not prove that my creditors are or are not submitting information to them without calling. 

I advised her that XXXX, my student loan company, reports to all 3 credit bureaus monthly. She then said that I haven't had student loans on my credit report since XXXX ; which can not be true since I have 4 years of payments to finish. 

I called back the following Monday and was transferred to another department. The man I spoke with says there was nothing wrong with my report and wanted to transfer me back to member services. When I asked for someone above him to help make sense of this issue, he hung up on me. 

I have been denied credit line increases because when the company attempted to pull my Experian account, they were told there was no credit file available. 

Experian is deliberately interfering with my ability to conduct business and refuse to fix the issue.
Product: Vehicle loan or lease

During the month of XX/XX/2018 I made two payments to my loan so that I would be ahead. One payment was made on XXXX and the other on XX/XX/XXXX. I noticed when I made the payment for XX/XX/XXXX that my payment for XXXX had not posted to my account. I called my local bank who ensured me that the funds were removed from my account and they were able to send me a copy of the electronic check. Since then I have called my loan company, Huntington National Bank, four times and keep getting different stories from them. The first time I was told that the payment was not received, second was that the payment was returned, third time I was told that the payment was put onto a different account that they would fix it ( this was after the geniuses processed a missing payment request for my payment made on XX/XX/XXXX ), and the fourth time they tried to tell me that they had no record of a payment attempt for that day even though I have my payment confirmation code. My loan company keeps trying to tell me that the payment was made from an account that does not exist. They tell me that the account number used for the payment is an invalid account number. The same day as my fourth call I reached out to my local bank who holds my checking/savings account and they offered to call my loan company themselves. My bank rep ensured them that, dispite their multiple claims of the contrary, the funds were infact released to them from my account and that the account they keep claiming not to exist is a valid account. I have offered on many occasions to send them a copy of my electronic check ( which has the account number they claim to be invalid, their company name, and my loan account number ) but they will not give me that option. I was told last week that I was going to get a call from ... someone ( they wouldnt give me a name or title ) but was honestly not surprised when that call never came. My local bank says its too late to dispute the charge and my loan company keeps saying there is nothing that they can do. I am currently out {$500.00} and feel like my loan company isnt even really trying to figure out what the problem is.
Product: Credit reporting or other personal consumer reports

Transunion is reporting these accounts on my credit report as late and i did not get anything from these companies for these inquiries, the XXXX XXXX  and XXXX  know my information was XXXX and i made a report about the fraudalent activities that took place on my report last year XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, I didn't authorize these inquiries. 
XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
XXXX XXXX XXXX I didn't authorize this inquiry. 
XXXX XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
Go XXXX XXXX XXXX - XX/XX/year> & XX/XX/year> XXXX XXXX XXXX Lentegrity XXXX XXXX XXXX XXXX not mine. 
Late payments reporting from XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Services- XXXX. 
All these information is all incorrect that they are reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>