23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

For more than 20 years, XXXX XXXX XXXX XXXX XXXX has supported an orphanage in XXXX. Every month for those 20+ years, we have wired money from our account at TD Bank ( formerly XXXX ) to our account in XXXX XXXX XXXX XXXX XXXX of XXXX XXXX most respected, well established commercial banks. 
On XXXX XXXX, 2015, I visited the XXXX XXXX, XXXX, NJ branch of TD Bank to send our regular two monthly wire transfers to XXXX. Manager XXXX XXXX provided excellent service and processed the transfer. 
Three days later, I heard from our orphanage in XXXX that only XXXX of the wire transfers had arrived at XXXX XXXX XXXX, so I immediately called TD Bank for an explanation. Several hours later, the TD assistant manager called me to say XXXX ( their XXXX transfer bank ) had blocked the transfer because " they are concerned the money is going to a bank in XXXX. '' I pointed out this was absurd : XXXX, XXXX is XXXX of miles from XXXX, XXXX, and the XXXX bank has absolutely no connection with a XXXX bank. He assured me he would pass this on and quickly get us the money. 
All the next week, while I was in XXXX, I called and emailed at great expense back to TD Bank. Every day they said they were checking into it, and every day nothing was done. 
I returned to the US on XXXX XXXX and immediately called TD Bank, asking them to simply redeposit the funds into our account and we would send another transfer -- because we desperately needed the money to buy food for the orphanage. They responded that XXXX was refusing to either send the money to our XXXX account OR to refund it to us for at least 60 days. 
On XXXX XXXX, I called XXXX New York wire office and spoke to a XXXX XXXX, who claimed to be a manager. He said it was untrue that his bank had mentioned anything about a bank in XXXX and the real reason was that TD Bank had simply not given them the contact details of the receiving bank in XXXX. I told him I could give him everything : the XXXX code, address, phone # -- right then, but he refused, saying that I am not a customer of his bank. 
I went back to TD Bank and told them that XXXX had disputed their story, and they said they would look into it. More than XXXX hours ( and XXXX more phone messages ) later, I have heard nothing back from TD Bank, and still the money is being held by XXXX.
Product: Debt collection

I have hired a law firm to handle my creditors and debt but this one particular bank ( Comenity Bank ) doesn't seem to care and they keep calling me. I have informed them many times to speak with my attorneys directly and they choose to ignore these wishes. They call all hours of the day/night and on weekends. I just want it to stop.
Product: Debt collection

I did not have no purchase agreement with this company about amount being charged and I have never purchased any product from this company whatsoever
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to file a formal complaint regarding an inaccurate public record that is currently listed on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, the inaccurate information remains on my report and continues to affect my credit standing. Here are the details of my situation : 1. **Credit Reporting Agencies Involved : ** XXXX XXXX XXXX XXXX and XXXX. 
2. **Nature of the Inaccuracy : ** A public record is listed on my credit report which I have verified as incorrect. 
3. **Verification Attempts : ** - I contacted the court in my jurisdiction, and they confirmed that they do not validate or supply information to any third-party agencies, including credit bureaus. - I also contacted LexisNexis and XXXX, both of which confirmed that they do not validate or supply information regarding this case to any third-party entities. And only LexisNexis replied in 30 days, never received any follow up from them validation Given this information, it is evident that the public record on my credit report is either inaccurate or unverifiable. I have formally requested each of the credit reporting agencies to investigate and remove this incorrect public record from my report. However, as of the date of this letter, the inaccurate information has not been removed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. If they can not verify the accuracy of the information, they are obligated to delete it. I am seeking the Federal Trade Commission 's assistance in addressing this matter and ensuring that my rights under the FCRA are upheld. 

Enclosed are copies of my correspondence with the credit reporting agencies, as well as any responses I have received. Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to comply with my request to unfreeze my credit in online, phone, and mail contact. I am unable to login to my online myEquifax account and upon further contact with customer service via phone they told me that they can not help me with my account until I verify my identity. When I ask how I can verify my identity over phone they tell me I must login to my online account and answer the online automated security questions. 

When I reiterate that my inability to login to my account to is the nature of my call to begin with, they reply that they are sorry and this is the only means of authentication they permit. If I needed to continue my request to unfreeze I must mail them with outlined identification documents. I have had this call with three separate representatives to confirm that this is not just miscommunication. 

I then mailed them with photocopies of my California driver 's license, Social Security Card, and written letter formally requesting my credit unfreeze. They then sent me back a letter saying that I did not submit them the proper documents and that they can not unfreeze my credit. I am out of options, patience, and sanity. I will try to send them the documents again via mail with a transmittal of documents via registered letter. 

Please look into this I believe that this is a deliberate obfuscation of essential financial services and it is actively preventing me from purchasing a home. Also I would like to highlight that both XXXX   and XXXX allowed to unfreeze my credit same-day in under five minutes online.
Product: Mortgage

Company attempting to take a loan against my rental property to pay for solar panels. I did not contact the company for any type of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX AXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. CXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Checking or savings account

Problem with chase bank since last year of 2020 of early XXXX for them to relinquish the funds that unemployment had deposited into my account I filed several claims and called repeatedly. I had a case agent named XXXX who was handling it, but had to close it due to unemployment needing to submit a letter that they wrong me on my account for the amount I was to be paid.Been over 1 year and problem still havent been solved Ive XXXX XXXX XXXX  multiple times and informed them of what unemployment told me once a wire transfer is in my account its out of their hands and that its either send funds back to unemployment or release them to me and both sides isnt helping at all, only had new account for 3-5 months, and I faxed copies of previous deposits and dates from unemployment who provided me those funds in beginning of pandemic of Covid19.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX ( AKA XXXX XXXX XXXX ). On XX/XX/XXXX I uploaded the necessary documents to Capital One as instructed to have my last name changed from XXXX to XXXX as I recently got married. A few days after I started getting emails from Capital One addressed to XXXX, I then used my credit card, and my transactions are listed as XXXX XXXX. Basically, a simple name change has turned my bank and credit card accounts into a disaster as my entire name has been changed to XXXX XXXX!!!!! Where do you get a last name change from XXXX to XXXX translated to XXXX XXXX? I called customer service for assistance and was basically advised they were submitting a request to have this rectified and to allow XXXX days, nothing is being rectified and I live XXXX hours away from the nearest branch. A simple mistake such as this can have detrimental effects on my credit, accounts, as well as my identity and your Customer Service teams have no urgency to get it rectified. It's been a week and still has not been rectified. I have spent hours on the phone being passed off from one agent to another.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$12000.00},,, XXXX XXXX XXXX {$7300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$39.00} ... XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX {$6500.00} ... XXXX XXXX XXXX {$360.00} I looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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.
Product: Debt collection

I spoke with XXXX around XXXX XXXX central standard time, and requested this account XXXX be placed in dispute status pending further investigation into unlawful charges by XXXX XXXX XXXX XXXX under section 201 ( b ) of the 1934 Communications Act that makes this unlawful for a common carrier. Your attempt to collect this debt is being reported to CFPB, I request arbitration with XXXX in the amount of {$10000.00} for this matter. You have ruined my credit report by preventing a low income individual, and minority business from obtaining, and securing funds needed to maintain business overhead cost. Under the commissions rules I can pursue action with the FCC, or in district federal court to collect damages to my small business. I signed up for a {$99.00} promotion, and agreed to pay {$52.00} per month, yet my initial bill was around {$600.00} plus. Furthermore after one month you add a disconnection fee of {$600.00}, when I should only owe {$150.00} plus tax for the first month. You have unlawfully breached my contract by cramming additional charges onto my XXXX XXXX XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XXXX at XXXX PM, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my XXXX XXXX of XXXX XXXX obtained from XXXX. I attached that letter with this complaint. 
I did call Synchrony XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX PM to XXXX EST. 
Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from XXXX XXXX XXXX Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to Credit Resolution XXXX Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to XXXX XXXX XXXX  Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX XXXX Supervisor and I guess she misguided me and also said that I should call XXXX who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. 
Further XXXX XXXX, Manager told me that she is highest rank officer to reach by the consumer like me to any issue. With Synchrony XXXX XXXX XXXX When I call Synchrony XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. 
After suggestion from XXXX XXXX, Manager of Synchrony XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call XXXX XXXX as it also provided in their letter. So I did call XXXX today XX/XX/XXXX and spoke from XXXX pm to XXXX XXXX  and spoke with XXXX XXXX at XXXX. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with XXXX. She further mentioned that XXXX use XXXX XXXX XXXX and might bank use the average credit score of three credit Bureau not just XXXX credit score on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. 


What is my credit XXXX on XXXX XXXX. Because Synchrony XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from XXXX was XXXX on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a secondary borrower for this mortgage loan. I co-signed with my sister. My sister filed XXXX XXXX Bankruptcy in 2016. This mortgage is under her bankruptcy. The mortgage will not stop reporting this account as delinquent on my credit report. I would like for them to stop reporting erroneous information. They are also utilizing bullying tactics
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 4 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the follow inaccurate names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX  XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  GA, XXXX XXXX. XXXX XXXX  XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXX. XXXX XXXX  XXXX XXXX GA, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX Please delete the following invalid telephone numbers : XXXX. ( XXXX ) XXXX XXXX XXXX. ( XXXX ) XXXX XXXX Please delete the following inaccurate employers : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 

XXXX, TRANSUNION, and XXXX have in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a great deal of injuries. Furthermore, I am filing this consumer complaint and consumer check for compliance with these items that you are reporting under FACTA Title 1 sec. 151.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

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

I happened to notice a collection on my credit report by CREDIT SYSTEMS. 
I then wrote the company a validation letter and sent it on XX/XX/2019 by certified mail with return receipt. 
It was recieved on XX/XX/2019. 
I have not yet received a response from this company verifying this collection of debt.