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

I am writing to file a complaint against Navy Federal credit union in regarding multiple overdraft fees, I have incurred despite having significant funds when transactions were authorized I was charged fee due to lagged postings of charges and credits this issue align with the recent CFPB findings against Navy Federal and similar practice where transactions settle with insignificant balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I've had a checking account since 1982. Used irregularly, only to fund girls accounts. 
It is a " Regular Checking ''. They BoA, changed my account without my knowledge to an " Advantage Checking '' where it is charged if it falls below XXXX. It fell below in XXXX. Just noticed it. They are refusing to refund all the fees. There is no paperwork signed that said I would convert my account.
Product: Debt collection

date : XX/XX/2020amount : {$48.00} I created an account to monitor my credit & was surprised to see a collection from SOUTHWEST CREDIT SYSTEMS which has dropped my score significantly. Ive received no phone calls or contact via USPS mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Debt collection

For the last three weeks I have been getting letters from Target for collection of moneys owed. I do not nor ever had or applied for a Target credit card. The name is the same as mine, but speaking to a rep of the co?? the last XXXX of the license numbers are not the same. Also bank refused pay on checks. So they know this person is not me. I 'm in XXXX and the acct is in XXXX.Refuse to give out any personal info of mine as it is not my debt.I would appreciate any help at this time to resolve this matter.Hoping to hear from you soon. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the persistent and unresolved issues with fraudulent items that continue to appear in my credit file. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of First Discovery ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items in my credit file. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit file. 

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit file. 

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter.I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a Bank of America customer since it took over XXXX in 2004. During that time I was DEFINITELY a victim of fee-gouging ( overdraft, etc ). Additionally, I had a loan with Bank of America only to realize it was actually a CREDIT CARD, and I did not receive the benefits of having said credit card. Sadly there are limits on the research I can do within my Bank of America banking portal. How should I move forward to deal with a final amount to be refunded?
Product: Debt collection

The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX, the following accounts/creditors : Accounts : XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX have 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

I have made a complaint earlier today against this creditor attempting ILLEGALLY to collect on an alleged ( fraudulent ) claim. My complaint number is XXXX. I am applying for approval for an apartment. I sent application yesterday XX/XX/year> and paid application fee of {$47.00}. My agent just texted me that the credit report brought back the following : XXXX XXXX XXXXXXXX Originally : The XXXX XXXX XXXX is reporting on my credit bureau as " In collections ''. It states further : " XXXX XXXX XXXX Attorney : XXXX XXXX XXXX Deed for collateral in lieu of foreclosure on a defaulted mortgage : XXXX XXXX received Deed for Collateral in lieu of Foreclosure on a defaulted mortgage ; dispute resolved- Consumer Disagrees '' This collector/ agency/company : Apex Studio, XXXXXXXX XXXX XXXX Originally : XXXX  XXXX XXXX XXXX is putting fraudulent information on my credit report that is unfounded, wrong, illegal, inaccurate, against the Fair Reporting Act, against Federal consumer laws, against all my rights. I do not owe them first of all. I have reported them and this complaint to CFPB ( earlier today- please refer to complaint ID number ) And I am still learning of how they continue to damage my credit report. they were not listed 2 months ago. My credit score dropped from XXXX to currently XXXX. They are damaging my credit file, and my score. They are damaging my credibility as a reliable renter. they are challenging my livelihood and costing me money ; directly ad indirectly. I can not qualify for state home grants with a low score of XXXX. 

They are claiming this dispute is resolved. It is not. they are making false claims on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried over and over to understand what is going on with our auto loan. We make our payments on time and somehow I have a small past due balance on here. We have paid it but it keeps rolling over in to the next month with fees and I don't understand why. This continues to report late on my credit report as lates and drive my score down. I don't even know what is happening and when I call, I have no answers because we are not late. I had one person tell me that these shouldn't even be on here and they were going to speak to management, we never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX, which was in the process of being foreclosed on when they were bought out by Old National Bank. The actual foreclosure and transfer of deed took place on XX/XX/XXXX. Old National Bank has incorrect reporting on my credit bureau stating that THEY foreclosed on me XXXX, XXXX. THAT IS INCORRECT. 

I am trying to make a home purchase and my current lender has reached out to OLD National Bank, as well as I. Old National Bank claims to have no paperwork regarding this issue and nothing has been done. My credit reports should only reflect a foreclosure from XXXX XXXX  in XXXX of XXXX. Old National shouldn't even be on my credit report!

I will attached a copy of the deed for proof. 

Please help me resolve this issue, I am trying to make a FHA home purchase and I can not until this is resolved. 

Respectfully, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Discover froze my secured credit card for no reason. They claim something about the IRS. The email they sent me looks like a scam. Not from them. They refuse to let me use my card again without filling out an emailed form which is password protected. They have the password and so far refuse to release it. They stole {$500.00} from me and I want my money back. Their telling me to fill out their password locked info that I can't do or wait three plus months for my deposit back.
Product: Checking or savings account

on XX/XX/2023 about XXXX the first transaction of XXXX was taking then again at XXXX XXXX was taking i called into chime thinking i had the correct customer service number that i received off XXXX  for support on my chime credit builder card do to not being able to access funds and use my card when calling the number i received i was direction that they were verifying my account and that i needed to downloaded a app called XXXX XXXX once i downloaded the app i seen them as they was moving my funds around on the chime app from one account to another untill they did something to where the sent my money out my account to someone account as soon as i realize what was going on i contacted chime and explain to them the situation put in a dispute and less then 24hr my dispute was denied through chime
Product: Credit reporting

Recorder Of DeedsRef : XXXX State Tax Lien - Filed Recorder Of DeedsRef : XXXX Federal Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
Product: Credit reporting or other personal consumer reports

Please remove the following statement from my credit report. PERSONAL STATEMENTS XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally request for the removal of negative items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items are inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a former business owner and owe a balance to XXXX XXXX XXXX  They referred my account to a collection agency, and the collectors name is XXXX XXXX from JMS associates. I have been communicating with him and advised him that I wanted to verify the amount owed with the original debtor. Today I received a text message from XXXX XXXX that states I just spoke with XXXX XXXX at XXXX XXXXXXXX. There were no payments made on this account since the check bounced. The balance is {$1200.00}. At this point I have been very patient but its either you agree to the payment plan and start paying {$310.00} a month or I will make a call to the XXXX XXXX XXXX XXXX and get them involved. The choice is yours. XXXX XXXX violated my consumer rights by threatening to call law-enforcement if I didnt start paying the amount he stated in his text message. The above information was copied right from the text message I received. He didnt even give me a chance to reach out to the original debtor and verify the balance owed. This is horrible business practices and violates the fair credit reporting act by threatening a consumer. Something needs to be done to stop these collection agencies from making threats.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested current balances and statements. I'm still not getting statements, but I can get a printout of my payments from the website. I make monthly payments of {$300.00} per month. The payments ARE NOT being reported to the credit agency. Only the original amount of the loan shows and no matter how much I pay the company will not report the reduction in my balance. I am only asking for TRUTH IN LENDING. Report my true balance or remove the " balloon payment '' comment from my credit report. BSI Financial Services ( Phone XXXX ) Loan Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Item remains in inquiries section : XX/XX/2023 XXXX XXXX XXXX added to TransUnion Credit Report without permission. 

2. On XX/XX/2023 a representative or a third party responded to CFPB claim # XXXX which was submitted on XX/XX/2023 stating that the Personal Information section of the TransUnion version of the credit report had been updated. TransUnion was not given authorization to update anything in the Personal Information section, only the Inquiries section in CFPB claim XXXX complaint details section. 

The current copy of the report shows no phone number - ADDED, if this was in error please confirm. If not, a separate complaint will be opened.
Product: Debt collection

When called from contact number XXXX asked to take information down. I asked the caller by the name of XXXX to provide me the company name and she refused. She stated she can only disclose the nature of the call to the debtor advised that I am requesting the company name and still refused 4 separate occasions.
Product: Checking or savings account

I opened an online checking and savings account with citibank on XX/XX/22. I transferred money from one of my XXXX XXXX XXXX accounts. The next day I went to XXXX to close my accounts except one. I realized I closed the account that the transfer was from. I called Citibank and they told me to go to a branch. XX/XX/22 deposited XXXX and the teller said not to worry about transfer it will just cancel. XX/XX/22 I transferred money from my new savings to new checking XXXX. XX/XX/22 I saw a block on my account and have tried to speak to citibank about it They will not explain and hang up on me. How can I get answers and resolve? I changed all my bills and deposits from XXXX to CITI and now I have no bank.
Product: Credit reporting or other personal consumer reports

I am deeply dismayed to see unauthorized inquiries appearing on my credit report this morning without any explanation. This issue has caused me considerable stress and frustration. I checked my report as I always do, but this time I encountered unexpected discrepancies. Despite refreshing my browser, the unauthorized inquiries remain unresolved. I urgently request a thorough review of the documents I've submitted to ensure this issue is fixed promptly so I can have peace of mind.
Product: Money transfer, virtual currency, or money service

Before sending money it never notified me to check and see if I was sending it to the right person and then now they are and I part of couple of times and they did now to help
Product: Credit card or prepaid card

we received a new prosper credit card in XXXX and promptly registered the account for online access and added 2 checking accounts to make payments from. 
When the first statement was received in XXXX we tried to make payment online but it did not work as we received a error message that payment could not be processed and to try again later. 
We tried 2 accounts and different web browsers with the same result and subsequent re tries also failed.

We next downloaded the app and tried but it did not work either, we send 2 emails to customer service with no response and were unsuccessful calling the number to reach a agent.

The problem persisted with the next stratement in XXXX, we send additional emails with once again no response, we tried calling again and finally got a hold of agent who told us the account was in collection and we had to pay the full balance by giving them a bank account number over the phone. 
i explained to them that we tried to make payments but due to their system not working were unable to and she acknowledged that their system showed various payment attempts since XX/XX/XXXX but told us there was nothing she could do. 
i feel like i am being defrauded by this company as they are unwilling to resolve a problem they caused
Product: Checking or savings account

The bank closed my account for no reason and never notified me I went to get grocery and my card declined ... every day I call its a new excuse they say we closed your account today theyve said this every day for 2 weeks and keep in mind I still wasnt sent a letter or email about the closing of my account I found out by going to the bank
Product: Mortgage

Ditech is again creating false documentation to overcharge me to facilitate a hardship so that they can foreclose. 

Ditech should be reducing my monthly mortgage payment because my required escrow balance is an overpayment. Yet, Ditech has once again created false documentation raising my note to {$1200.00} instead of lowering it to {$1000.00}. Ditech manufactured a shortfall that does not and will not exist. Ditech withheld projected balances and federal law regulating how low balances are calculated to hide that it owed me a refund of {$790.00} and that my mortgage should be going down and not up. 

I included as evidence of Dtiech 's ongoing bad faith in creating false and misleading documentation to create hardships and falsify my debts and shortfalls. The original XXXX and corrected XXXX and statement due XX/XX/2017 are not issues to be addressed in this complaint. They are evidence of Ditech 's ongoing acts and how they create documents to mislead CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was contacted by Berlin-Wheeler regarding an account that went to collections. The account originated with XXXX XXXX. After speaking with both XXXX XXXX and Berlin-Wheeler it was determined the account was fraudulently opened by an unknown individual in a  different state. The person had used my name and social security number to open the account. There was an unpaid balance of {$1700.00}. After speaking with Berlin-Wheeler it was agreed that they would not post anything to my credit and would send me a fraud packet to fill out and return. This was in XX/XX/2019. I filed a police report and called Berlin-Wheeler to provide it. They stated there was nothing they could do with it and that I would need to wait for the packet to arrive. I confirmed my mailing address and requested an ETA for the packet. They were unable to provide one. I waited and no packet arrived. I received a notification in XXXX that I had an account in collections on my credit report. I checked and found that they had in fact posted it to my credit report. I called them on XX/XX/XXXX and was given the same story. They would send another fraud packet to me and that there was nothing they could do until they received it back. I explained that this was the second attempt to get a packet and again requested a time frame for when it would arrive. The agent at Berlin-Wheeler stated he was unable to provide one. I still have not received a fraud packet in the mail. This is impacting my credit score as I have not had anything past due on it. They are not assisting in helping me resolve this and I fear they could file litigation To receive payment from me on the fraudulent account.
Product: Checking or savings account

On XXXX XXXX 2020, There was 3 large fraudulent wire to wire transfers done without my permission. In the amount of XXXX and XXXX and XXXX from 3 people I have no knowledge of knowing. I never met these people and never authorized these transactions. I closed out my old account and set up a new account. I submitted a fraud claim it was denied. I appealed twice and it was denied by Navy Federal Credit Union. I submitted a police report on XXXX XXXX 2020. The detective filed a subpoena with the credit Union. The issue is still not resolved. Ive also filed a XXXX report. Ive attached a copy of the 3 unauthorized wire transfers
Product: Credit reporting or other personal consumer reports

My credit report shows several late payments that are inaccurate. These mistakes are inconsistent with my typical payment history. I request immediate correction and account updates.
Product: Checking or savings account

Many banks have been closing my bank accounts and my family 's as well