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

I am writing to file a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds in my account at the time transactions were authorized, I was charged overdraft fees due to the delayed posting of charges and credits. 
These practices align with the recent CFPB findings against Navy Federal, which highlighted similar issues where transactions settled with insufficient balances despite the funds being available at the time of authorization. This unfair practice not only misrepresents the true status of account balances but also causes unnecessary financial harm to account holders like myself.

I respectfully request that the CFPB investigate my account transactions and ensure that Navy Federal complies with regulations to prevent such unfair overdraft fee practices. Additionally, I ask for a review of the fees charged to my account and for corrective action to be taken, including refunding any improper overdraft fees.
Product: Credit reporting or other personal consumer reports

Dear CFPB Officials, I am writing to urgently bring your attention to an ongoing and troubling situation involving multiple Credit Reporting Agencies ( CRAs ) that has persisted for four years, culminating in the filing of XXXX police reports relating to identity theft. The police report numbers are XXXX and XXXX. These incidents, combined with the CRAs failures to rectify numerous inaccuracies in my credit reports, underscore the need for immediate intervention by your agency. 
Despite my repeated attempts to address the inaccuracies, the CRAs have not fulfilled their statutory obligations set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which entitles consumers to dispute inaccurate information and requires CRAs to conduct a reasonable investigation. As established in **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the courts have ruled that CRAs must take comprehensive steps to ensure the accuracy of their reports, rather than relying on cursory checks. 
The identity theft cases reported through XXXX and XXXX should have prompted an immediate and thorough investigation into my claims, as emphasized in the BAP opinion **In re XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXXXXXX ) **. This opinion clearly stipulates that CRAs must act diligently in validating reports of identity theft, yet my experiences demonstrate a stark failure in this regard. 
Furthermore, the importance of safeguarding consumer reputations has been reiterated in **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) **, wherein the XXXX XXXX highlighted the constitutional protections consumers hold under the Fourteenth Amendment. The ongoing proliferation of inaccurate reporting has led to significant emotional distress and financial instability, primarily exacerbated by the identity theft that has wrongfully tarnished my creditworthiness. 
In addition, the court 's decision in **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ** clarified that consumer reporting agencies indeed bear an affirmative duty to report accurate information with utmost diligence. With the documented incidents of identity theftboth reflected in the police reportsany inaccuracies linked to my credit profile stand in direct violation of these established legal principles. 
I respectfully request that the CFPB conduct a thorough investigation into the actions of these CRAs concerning my case, the ramifications of which extend far beyond individual impact into broader systemic failures faced by consumers nationwide. Your office has the authority to enforce compliance with consumer protection laws and ensure that the rights of consumers like myself are upheld rigorously. 
Thank you for your immediate attention to this pressing issue. I anticipate your prompt response and necessary actions that will restore fairness and accuracy in the consumer reporting process. 
Sincerely, XXXX XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account # XXXX has violated my rights. 
XXXX, 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report 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: Money transfer, virtual currency, or money service

Why I have no access to XXXX. Why I am banned in other banks from XXXX! who is responsible for this garbage software ( XXXX ). XXXX XXXX XXXX XXXX XXXX  ) says PNC and PNC says call XXXX. I mean what is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is well documented under claim " XXXX XXXX Delivery Damage : XXXX '' and associated with the damages and delayed resolution on Order ( s ) XXXX and XXXX. 

Payment was withheld while we waited for Comenity Bank/XXXX XXXX to process a {$4600.00} credit and for XXXX XXXX 's insurance company ( XXXX ) to provide a {$850.00} check due to delivery damage to our home. 

Comenity Bank, despite the documentation and consistent communication mentioned above in their " Secure Message Center '', submitted an erroneous delinquent account alert to the credit reporting agencies and sent the account in question to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I sent a letter to GM Financial that asked them to remove the tradeline ; there was no response 2. I disputed the debt again as it should have been removed per what I read on FCRA, no response 3. I tried to make a payment arrangement no response I am asking that the credit bureaus all remove this tradeline as it is well past 7 years.
Product: Debt collection

15 U.S CODE 1861 ( b ) company did not tell me that they transferred my account and was not aware of the company that debt was sent to.
Product: Credit card or prepaid card

Recently, a scammer utilized my card information to send a payment to themselves through XXXX. Since then, chase has been provided with numerous amounts of information proving that the charge was invalid, including documentation from XXXX proving the charge was not valid and showing their intention to refund, but both sides ( XXXX and chase ) saying the other has possession of the disputed funds. I, as the customer during the coronavirus pandemic unemployed, am being forced to pay {$400.00} for an item that even the merchant wants to refund but cant. When called, chases fraud department responds with we cant assist you. It has been months now with no resolution. Please help me.
Product: Debt collection

On or about XX/XX/2018, I was alerted by XXXX  Credit Bureau that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/2020. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!
Product: Credit reporting or other personal consumer reports

list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 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, FL, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I discovered unauthorized transactions posted to my PayPal account on the morning of XX/XX/2021. There were two ( 2 ) transactions, one in the amount of {$100.00}, and a second in the amount of {$700.00}, made to the same party. These were in the form of a direct ACH transfer from the checking account connected to my PayPal account. I promptly reported these unauthorized transactions to PayPal using their reporting mechanism on the same day. PayPal replied within a few hours with a message stating : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' I immediately followed up by replying to the email address specified for submitting appeals, and have not received a response. I would also like to note that PayPal always sends a confirmation email after each transaction. I received no such emails for these transactions. I also have multi-factor authentication enabled for my account and use best practices for passwords. These facts lead me to believe that this fraud occurred from WITHIN PayPal.
Product: Debt collection

I took out a loan for {$50.00} from Check City in XXXX XXXX, NV ( on XXXX & XXXX ) and was suppose to pay it back the week after I took out the loan. But im currently unemployed with no income so Im not able to make the payment just yet. They repeatedly call me every week and leave voicemail from XXXX XXXX XXXX. I also receive phone calls from blocked numbers and when I answer it says " Thanks for calling us back, I 'll transfer you over to one of our debt collectors, '' then a representative from Check City answers.
Product: Credit reporting or other personal consumer reports

I requested negative items to be deleted from my credit report, the credit Bureau di not respond in the given time and they did not respond in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us 2 weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I received funds from my friend, later that day PayPal Inc, confiscated my money for 180 days, I waited the days to be over, after which I tried to reach them but no response. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  acct # XXXX. the Credit reporting agencies are reporting this account inaccurately. I've reached out multiple times. they are breaking federal law. According to 15 u.s.c. 1681a ( 2 ) ( b ). it clearly states the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.
Product: Credit card or prepaid card

XX/XX/XXXX : I placed an order for {$450.00} with the XXXX XXXX XXXXXXXX website. I used my Discover Credit Card. 

XX/XX/XXXX : I review my credit card statements and realize a ) I've never received the {$450.00} order and b ) I was never refunded the {$450.00}. 

I contact XXXXXXXX XXXX XXXXXXXX and they can see on their end that the {$450.00} transaction was " voided '' and agree that I should have received a refund. They even suggest to me to file a chargeback if I haven't received a refund. 

I file a chargeback with Discover and the dispute is NOT resolved in my favor. 

I spoke with XXXXXXXX XXXX XXXX afterward and they said that I should have been " made whole '' by this point by my credit card company. 

I have not been made whole by Discover. 

Even the merchant themselves state that I should have already been made whole. The merchant agrees with me on the facts of the case. Discover has not resolved the case in my favor despite written communication from the merchant agreeing with me. 

XXXX XXXX has agreed with me on the facts of the case, XXXX XXXX suggested that I file a chargeback with Discover, and XXXX XXXX insists that I should have been made whole by this point. 

This isn't a chargeback case involving disputed facts. This isn't a chargeback case involving a merchant at odds with the purchaser. This is a chargeback case where the merchant AGREES with the purchaser. I just want my money back.
Product: Debt collection

I recently got a call from capital one company saying I owe them money. I told them I never open the account or anything with them. They told me the account was open XXXX  and now I owe XXXX XXXX dollars. The fraud person used my name and Identity information to open a credit card. The fraud use their address though. So statements would sent to that address. I told the agent I never lived that address. I need to dispute this. So now I'm in the process of dispute my debt collection and need proof that I'm being hurt and need to get this solved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

A 3rd party collection agency, XXXX XXXX XXXX ( XXXX XXXX PA ) reported an unpaid medical debt in the amount of {$1600.00} on behalf of XXXX XXXX XXXX in XXXX AZ to my credit reports. I asked both the hospital and the collector for proof of the debt. They stated I would need to pay them and then it will be provided and given the chance to dispute it. The bill is in the name of a family member who is a ward of the state of arizona and under their legal and financial responsibility. However the collector still says its my problem and liable for the debt as family. I provided both parties of the legal paperwork and who to contact to get the bill paid by the foster care system in Arizona which they have refused to follow up on. I disputed the bill with all 3 credit bureaus who in turn said proof the bill was legitimate was furnished and I could not get a copy. I do not see why another persons bill, in another name can be forced onto me.
Product: Debt collection

Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Barclays Bank Delaware has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Barclays Bank Delaware is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX  XXXX/XXXX/XXXX.
Product: Debt collection

I purchased my home in XXXX from an investor who bought it out of a sheriff sale on the courthouse steps in the county I live in XXXX. 
The house was then valued at $ XXXX. Which was also my purchase price. 5 years later, ( XXXX of this year XXXX ) I received a foreclosure notice from Bank of America. ( I have never had a loan with BOA ) I explained to the Bank that I had purchased the home from a licensed Investor in good standing with the state of GA in XXXX and have a Warranty Deed. At the time of purchase, I looked the property up at the Courthouse and found no liens recorded against it. 

Bank of America had already ran a notice in the local paper and were to foreclose on XXXX XXXX. I filed a motion against them at the court and was granted a TRO ( Temporary Restraining Order ) which stopped the foreclosure. Bank of America in turn filed a motion to dismiss my complaint claiming they still had legal title because the original debtor 's Bankruptcy did n't include the second loan. There were a total of 4 loans made to their debtor. They claim the Bankruptcy discharged only the 3rd and 4th. But that The first loan was satisfied. Almost 10 years have passed since the Foreclosure Sale and I have owned the property for the last 4yrs and three months. I have n't been well since this all started back in XXXX of this year. I am a senior citizen with limited resources and can not afford to lose my home which is paid for. Bank of America had every opportunity to settle their issue with their debtor but did not. I am a victim of their negligence and pray for your intervention in this affair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  opened date XX/XX/XXXXXXXX  report date XXXX XXXX XXXX high balance {$9100.00} balance due {$7700.00} multiple missed payments. 
I have contacted the original creditor and all three credit agencies and requested that this account be update and or removed from my file because I have paid this account in full. The original high balance is incorrect and that there is no balance due that this account and loan has been paid in full. They failed to investigate and accurately provide me a fair and accurate credit file. This account has been paid in full and there was no missed payment and the original balance is incorrect. They did not provide me with any documentation from their " investigation '' and did not thoroughly investigate this and update my file to the correct information.