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

I am submitting this statement as part of the legal proceedings regarding Navy Federal Credit Union 's overdraft fee practices. 

Navy Federal has engaged in practices that I believe are unfair and potentially deceptive. Specifically : Multiple Overdraft Fees on Single Transactions : I was charged multiple overdraft fees for the same transaction when there were insufficient funds at settlement, despite the transaction being authorized while funds were available. This practice resulted in compounding fees that were disproportionate and unclear. 

Authorization vs. Settlement Mismatch : Navy Federal assessed overdraft fees on transactions that appeared to have sufficient funds at the time of authorization but later incurred fees due to settlement timing. This practice feels misleading, as it does not reflect the actual availability of funds at the time of my transaction. 

Lack of Transparency : The terms and conditions of overdraft fees were not clearly disclosed. I was not adequately informed about how and when these fees would be assessed, nor was I given clear instructions on how to avoid such fees. 

Failure to Obtain Explicit Consent : I do not recall providing explicit consent to opt into overdraft protection services for debit card or ATM transactions, yet I was still charged fees for these types of transactions.
Product: Credit reporting or other personal consumer reports

I request a copy of my credit report and once I gout it I seen it as that didnt belong to me so I called my bank to have them to freeze my accounts until further notice
Product: Credit reporting or other personal consumer reports

Payments on this account have been made timely. I have Attempted to dispute with the company and credit bureaus. Its reporting 60 days late, not late and XXXX late this is cause my score to fluctuate drastically. I have Requested payment processing numbers from them and account t history and to no avail have I received Them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Complaints, I have requested my free annual credit report from Equifax on several occasions starting from XX/XX/2020. But each time I request the report, Equifax sends a pre-written auto-response indicating that I should apply again ... 

My previous requests have included information such as my driver 's license front & back, social security card and a gas utility bill. I have attached these documents for CFPB inspection. Also note, the XXXX email account I am using with my CFPB account usually appears on my credit reports. 

Please CFPB can you tell Equifax to send my free annual credit report. 

Thank You.
Product: Credit card or prepaid card

I was away on Military duty in XXXX XXXX, LA since XXXX and someone stole my identity back in XX/XX/2022. I put a freeze on my credit report. But some how someone applied for XXXX different credit card that hit my credit report on XX/XX/2022. I call all three credit card company and none are willing to report this inaccurate information from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I was out in the field training and did not have access to nothing to applied for this credit cards. 

All was access through XXXX credit agency. I requested all Three Main credit report agency that my someone stole my identity and alert too. 


I'm still waiting for all three companies to remove this inaccurate inquiries from my credit file. Yes I put alert in CFPB too Help please
Product: Debt collection

This company, CREDIT CORP SOLUTIONS, is reporting false and unverified information in my credit reports. I have never even got ta a single letter from this company and now they report on my credit reports illegally.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and transactions are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them.
Product: Credit reporting or other personal consumer reports

Thursday, XX/XX/XXXX sent dispute letter to all 3 bureaus and collection agencies and asked them to verify my accounts and show me how they verified the accounts or please remove them, so the bureaus said they would remove them but never sent me how they verified anything as I asked specifically to send me how they verified the accounts the companys were Bank of America {$470.00}, company 2 was XXXX XXXX XXXX  XXXX XXXX balance, company 3 is XXXX XXXX XXXXXXXX balance, then on XX/XX/XXXX I sent dispute letters to XXXX  XXXX and asked for the same thing from the bureaus to delete my information and show me how the verified my information they said they would delete it, it still shows up in all XXXX bureaus when they said information was deleted, then on Sunday XX/XX/XXXX I sent a dispute letter and asked the bureaus and collection company XXXX XXXX XXXX to remove the account off my credit or verify my information and send me how they verified it, they sent me back that it was verified and never sent me the information On how it was verified the account balance is {$1900.00} and they wont show me how they verified my information they also wont take it off my credit like I asked so all these companies who claimed they deleted the credit from all three bureaus never deleted it off my account or showed me how they verified the accounts which I specifically asked for how to get them deleted from the bureaus and to stop harassing me for accounts that claim they deleted. Last but not least I sent a dispute letter to XXXX XXXX XXXX and the credit bureaus the exact same questions to please delete or verify and show me how they verified my accounts via mail the account balance for this account is {$660.00} and they will not show me any proof of verification nor have they took everything they deleted off the 3 credit bureaus which these companies stated they deleted it off the bureaus and have not and its hurting my credit score, please help me get this problem fixed with these collection companies and all 3 credit bureaus XXXX, XXXX and XXXX including the collection companies that wont comply with what I am asking them for and they continue to not only not take anything they deleted off the record but the other companies who claim I owe them money when I dont. Thank you for helping me I hope to come to a resolution sooner rather then later thank you so much! I am attaching the files I sent to XXXX and the collection agencys just to show you i made contact with them
Product: Credit card or prepaid card

Unrecognized Charges XX/XX/2021 XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX XXXX NY XXXX XXXX USED TIRES XXXX NY XXXX XXXX XXXX NY XXXX XX/XX/XXXX CALLED REPORTED CARD LOST AND HAD UNAUTHORIZED CHARGES. 
XX/XX/XXXX MAILED A DETAILED LETTER DISPUTING CHARGES.NO RESPONSE. 
XX/XX/XXXX SUBMITTED FAX LETTER DISPUTING CHARGES RESPONSE RECEIVED PENDING INVESTIGATION. 
XX/XX/XXXX LETTER MAILED TO ME STATING CHARGES ARE AUTHORIZED. 
XX/XX/XXXX SUBMITTING FAX DISAGREEING WITH RESULT ASKED TO POROVIDE AN ACCVURATE STATEMENT, RECEIVED NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan through Ally financial and the car was totaled in a flood. Ally was paid by my insurance and gave me another loan for another vehicle. Rather than rolling my old balance into the new loan, it is on XXXX as a negative to me? How can I be negative on a vehicle I no longer have an Ally was paid? Also if I was such a bad customer and owed them money why did they finance my current car? This is an unfair marking on my credit report! Ally then was paid with Gap insurance and I went over and beyond getting all corrected for them so they would be paid yet AGAIN! This is robbery and credit reports seem to work with these companies that prey on the less fortunate. This amount has been removed from my other credit reports, yet XXXX continues to have a WORKING CLASS XXXX woman struggle due to not taking the time to investigate EVERYTHING. I am asking that this debt be REMOVED from my credit report after a COMPLETE and full investigation of total dollars paid to Ally on a FLOOD totaled car.
Product: Credit reporting or other personal consumer reports

I contacted the company to get information on the account. The account could not be verified. Was instructed to file a report to remove item
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding serious inaccuracies present in my PORTFOLIO RC credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account was not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my PORTFOLIO RC credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 
Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge PORTFOLIO RC to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor XXXX XXXX XXXX and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's supervisor XXXX -XXXX has admitted to me that the company allows any business entity can ask to do a credit inquiry on a consumer and the company allows it and will not remove the false report and will not check out the authenciticity of the inquiry of the consumer. For example. XXXX did a fraudlently false credit check on my report and even after I was told by XXXX that my personal credit would not be checked or pulled several times, the XXXX company did. I brought this up several times with Equifax and they said basically to bad. but to get a police report. I did. i ; m faxing the cover letter and police report over to Equifax tomorrow and XXXX said once he got the report the company would delete all the disputed items .Equifax told me and even gave me dispute numbers to check the so called status only to learn months later that equifax never even investigated my disputes. equifax gave me dispute numbers like XXXX and many others to check the status. This is not ethical and it is deceptive in business practices. please listen to the recorded phone conversations between XXXX  XXXX and the others I spoke with that XXXX had finally admitted to me about the lies i was told and that my disputes were never really disputed in the first place. but they at equifax will tell you that they have disputed and checked into the consumers dispute. ALL LIES. On the recording XXXX even said I was told incorect information. my police report number is case XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. on XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dergatory remark XXXX XXXX XXXX. the first 4 are false hard inquiries and the fifth is XXXX XXXX  witch is a degratory remark. that are all false and fraudently let on my credit report holding down my score. I want the CFPB to listen to the training tapes from XXXX and Equifax from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( TransUnion, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX ( TransUnion ) XXXX  Account Number : XXXX ( TransUnion ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. 

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been having an ongoing dispute with Citibank about a credit card that was never activated, was reported Lost or stolen.

Despite this card being reported as lost or stolen, they charged an annual fee of XXXX dollars and continued to try to collect. This card was never activated!!! they continued to report to credit card bureaus, even though this matter was brought to their attention numerous times. 

They previously agreed this information would be removed from my credit report, as of the last phone call they asserted they not removing it. 

I am a real estate developer. This is the only derogatory information on my credit and it is substantially affecting my ability to sustain myself as my credit is how I earn a living.. 

It seems that there is a lack of communication between the various departments. Regardless, I have communicated this information in writing repeatedly and would like the negative information to be expunged from my record. 

I have previously reported this to their customer service, fraud department, as well as the office of the presidency with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with company on XX/XX/XXXX. Company received dispute per updated comment section of XX/XX/XXXX credit report. No communication from company regarding investigation progress or results. Company changed payment history from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX credit report shows 10 months of payment history. XX/XX/XXXX credit reports shows 0 months of payment history. Inconsistent reporting with other credit bureaus. Company responded they updated payment history as of XX/XX/XXXX. Pulled credit report as of XX/XX/XXXX with no update. To date, company has yet to provide DOCUMENTATION of alleged debt which was requested in initial dispute with company on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have disputed these unauthorized with the creditors and consumer reporting agencies these transactions are unauthorize inquiries. 

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

I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).
Product: Vehicle loan or lease

My pay checks were being garnished in XXXX so I had to file a motion to do installment which was granted in XX/XX/XXXX my Installment is to pay {$150.00} a month until paid in full but credit acceptance is negatively reporting on my credit every month as missed payment as if the loan is still open when we went to court in XX/XX/XXXX. It was ordered by the court I pay $ XXXX monthly if not they would garnish my checks as of XX/XX/XXXX over a year ago and they are still reporting negative on my report. I went back to court and I was able to have the payments lowered to {$75.00}. Even after the judge ordered the garnishments to stop. Credit acceptance refused and still took money from my income ultimately they ended up having to pay me my money back. So Credit acceptance is not a good company they forced payments from me That I didnt have.
Product: Debt collection

I believe XXXX has illegally seized my car without court order from XXXX XXXX XXXX XXXX XXXX Michigan and need to be held under investigation for Violation of 15 U.S. Code 1692f - Unfair practices and 15 U.S. Code 1692e - False or misleading representations, and 15 U.S. Code 1692g - Validation of debts and also the 4th and 14th Amendment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 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 DEPT OF ED/XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX Account # : XXXX Balance : {$2800.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian