23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Navy Federal Credit Union account was overdrawn when the childcare tax credits were being issued earlier this year. Navy Federal took it upon themselves to add money to our account to make our balance positive before the credit was added. They were not given permission to do this, and in fact when they did this for an earlier stimulus check that was distributed, we contacted the bank and asked them to stop doing this. They refunded us for money that was deducted from our account to cover the cost of the money that had been added without our permission. After this first incident, our further requests to stop this " service '' were ignored and Navy Federal continued to do this every time that a child care credit was issued. Over the course of a few months, a total of {$2100.00} was added to our account without our permission. The bank was contacted on several occasions to request that the additional funds not be added. On XX/XX/2022, a lump sum of {$2100.00} was deducted from our checking account leaving us with a balance of - {$2300.00}. When I contacted Navy Federal to discuss this deduction, I was told that a letter was sent out letting us know that this would be happening. We never received a letter. I asked if the letter was sent certified mail and required a signature, and I was told that it did not. I question if this letter was ever sent out. If it was, I never received it. I also asked if they had any record of us requesting that the funds not be added to our account, and of course, there was no record. How convenient. Additionally, I asked if Navy Federal was asking permission before adding money to customer accounts and they said that this was a " favor '' that the bank was extending to its customers without first receiving permission. I was told by the representative that the only thing the bank could do was transfer the negative balance to our savings account and give us 60 days to repay the amount. I told them that it would not be possible and asked for an extension. They told me that this was not possible. When I asked to speak with upper management, I was denied. How is it legal for a bank to add and deduct money from a client 's account without first receiving permission? A document should have been sent out prior to the money being added asking costumers if they wanted to take advantage of this " favor '' from the bank. From what I understand, XXXX XXXX got into huge trouble for engaging in the same practice. In addition to filing this complaint, I have contacted the BBB, a lawyer and a local news affiliate. I do not believe that what they have done is legal. How this program was meant to benefit people is beyond my understanding. The reason that Navy Federal felt that they were justified in adding money to our account is because it was overdrawn - how do they possibly think that we would be able to repay the money in one lump sum and still manage to pay our other bills? We have an overdraft limit of {$500.00} - we have never been able to go beyond this amount, yet Navy Federal was able to overdraft our account by over {$2000.00}. It seems rather incongruous and quite frankly, illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whenever I have to answer the random questions used for ID verification the questions have answers that belong to either my XXXX or my XXXX. 
At one point there were four people in at y address with the name XXXX XXXX. 
I can not pass this rest because the information in the questions belong to at least two other people. 
I have to go into a local office to prove who I am. 
Not a single organization will make an attempt to correct that data. 
I have been fighting this problem for over ten years and have reached the point of filing a law suit against the organization asking me the questions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX have ruined my credit by using student loans that are deferred since covid hit. My addresses arent correct which there is no way to dispute that i can find. They will not allow me to dispute any inaccuracies in my accounts. There are several accounts not even listed on my credit report. All three credit reports are not even close to the same. This is why i believe these agencies are working for the companies and sure dont care about the consumer. This is biggest scam ive ever seen on keeping the average citizen down. Heres a thought, how about you teach this in highschool. Ive never ever had anyone explain this to me ever. The process to even dispuye anything is so complicated that its in the companies favor so much so that this should be illegal! I want to write a letter to Congress. I cant even get a loan to buy a {$18000.00} that is worth XXXX when i make XXXX something is really wrong with that. you cant ever fix your credit once you XXXX it up. its not possible.
Product: Debt collection

Paypal sent me a bill for a credit balance that I owe? They sent me a credit for {$10.00} and then turned around and charged me a late fee ( {$12.00} ) for not paying the {$10.00} payment which was more than the original debt. I don't understand how I got the debt in the first place? Paypal has always been paid from my bank account for the monthly charges, i.e. XXXX, etc. You can't make sense out of the debt because you can't be connected to a representative. It's just like a rat maze. I am frustrated beyond belief. Please help me!
Product: Credit reporting or other personal consumer reports

A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. XXXX USC 8 and 15 USC 1681 2 ( a ) ( 1 ).
Product: Debt collection

LVNV funding continues to try to collect a debt that 's not mine. I do not know where the account has come from. The debt on this account is for XXXX for XXXX. This debt has been previously removed before.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I have had multiple occasions where money was sent on zelle to the wrong person, and I was unable to receive that money or get a refund for my money sent. Only recently has zelle offered the are you sure option, but that still doesnt cover refunds in the event of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX XXXX  XXXX number : XXXXXXXX XXXX XXXX  : number : XXXX
Product: Mortgage

In XXXX XXXX XXXX XXXX XXXX b/c of covid I was not receiving a normal paycheck I called my lender and asked them for assistance. they paused my payments and I was told by the rep that I would not be reported late. but both XXXX and XXXX were reported late in XXXX  I since have been current with my mortgage and have made attempts to have the late charges removed or reported as no data as did the other months during the covid pandemic. 

WellsFargo has refused to do so. I have spoken with them and asked them to help me but I feel that they are not willing to do so b/c of my ethnicity and in fact discriminating against me b/c I am XXXX. I spoke with XXXX in your main office. She was horrible and treated me with a very dismissive tone. 

Is it wellsFargo normal practice to be antisemitic? I unfortunately believe it is and if I had another background they would have taken my concerns more seriously. It disturbs me that in today 's climate WellsFargo would opening discriminate in such a way.
Product: Debt collection

These people call my job everyday all day long and harass me and my coworkers. They are even calling my friends and family. I would like it the harassment to stop. I don't know who they are but I want it to stop.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE HAS BEEN REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT I HAVE ALREADY SENT IN DOCUMENTATION FROM THE FTC REPORT STATING THIS IS A FRAUDULENT ACCOUNT THE ACCOUNT I HAVE KNOW KNOWLEDGE OF IS CAPITAL ONE XXXX.
Product: Credit reporting or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Im formally writing to express my concerns regarding Zelles handling of dispute particularly in light of the recent lawsuit. This is extremely unprofessional. Zelle has failed to investigate my claim accurately. Zelle has neglected me as a customer and I know multiple other
Product: Checking or savings account

I filed my first dispute XX/XX/2020 against XXXX XXXX My {$32.00} dispute was denied. I can not pay {$32.00} let alone an overdraft charge as money is limited during the pandemic. Also, when asked why it was denied the customer rep, replied, It was and that you people and hung up. 
This treatment is XXXX. I am going to file another suit. 

Then hours later Tuesday, XX/XX/2020 when I told NCSECU rep I was contacting corporate NSECU rep said they sent me something in the mail that I never received. Thats a lie. I want my {$32.00} returned. I deal with discrimination from SECU and now lies and fraudulent behavior. I am XXXX. I have since filed another case for this same disputes today, Tuesday XX/XX/2020. No response given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payment on time, and was flagged by cap 1 for being 30 days late, in which it hasnt been a complete 30 days since the last payment was paid to cap 1, I have exceptional credit history wit payments.
Product: Credit reporting or other personal consumer reports

I called this company as well as sent certified mail letter from my lawyer asking this company to provide me with information about this account such as a contract and 1099 showing the amount I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the help of my lawyer, whos awaiting court arrangements for legal actions, this is my SECOND attempt with him, requesting you to REMOVE the XXXX XXXX XXXX   account from my credit report! 
The documents provided is NOT VERIFICATION. How dare a business allow someone to sign a fake signature to represent me. The documents provided by XXXX, DOES NOT HAVE MY SIGNATURES, SIGNED BY ME. You allowed this illegal transaction to illegally report to my credit report and use my credit information to allow this unverified account fund correctly without verification. 
Attached is documents sent by XXXX, signatures that are BLACKED OUT which isnt verification as you CAN NOT see the signatures and just by looking at the first letter of the signatures, proves to me that it is not my hand writing due to I DO NOT write my name like that. 
You also will find attached billing statements which ARE NOT MINE, they belong to XXXX XXXX. 

I have provided my real signature, along with the illegal signatures signed by someone other than ME, that was provided as verification. 
I assume you understand how big identity theft is in this country, correct? This is a HUGE mistake and LEGAL ACTIONS will be taken place immediately as my lawyer make arrangements for court. 

I DEMAND YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT INSTANTLY!!!
Product: Credit reporting

On XXXX XXXX, 2016, I attempted to resolve an issue with Certegy and their agent or subsidiary Complete Payment Recovery after a billing error at a merchant ( XXXX XXXX resulted in a returned ACH debit. Certegy steadfastly refused to document the dispute or continue the conversation unless I provided my driver 's license number, which the merchant does not have and which was not used in any way in my account relationship with the merchant. There was no question of my having established my identity to Certegy 's call center, since I had verified my name and had received their subsidiary 's notice at the address they had for me. The only reason for them to obtain my driver 's license number would be to attempt to decline checks and humiliate me in a retail store that used their service ; their flimsy " for verification '' excuse for demanding the information reeks of the same " for verification '' excuse used by fraudulent telemarketers phishing for social security and credit card account numbers. 
I offered during our conversation to pay Certegy the full amount of the returned ACH debit, as they had already advanced that amount to the merchant. They refused unless I paid their fee as well, and would not discuss the fact that the fee was caused by their client and not by me - unless I gave them my driver 's license number. 
XXXX would think that in an environment where consumers and organizations alike are vigilant about identity theft, a company like Certegy would make an attempt to resolve disputes without collecting information unrelated to the disputes themselves. In this case, however, it is clear that collecting the money is only a secondary concern for Certegy. Their primary concern seems to be creating a complete biography of this consumer so that that information can used for their profit. 
I have chosen to file this complaint under " credit reporting '' because it is my belief that Certegy is a consumer reporting agency as defined in FCRA. For as long as they claim they do not have to resolve our dispute, I risk having Certegy report inaccurate information to other consumer reporting agencies, which will damage my ability to obtain credit or change employers. Their behavior in this case, if they report the inaccurate information or attempt to humiliate me by declining a check in a retail store, may very well be actionable apart from the instant dispute. 
I have attached the mailed notice from CPR and a copy of my complaint to XXXX which includes some more details.
Product: Credit reporting or other personal consumer reports

I have found inaccurate information on my credit report. I disputed these items multiple times and still no changes. The Bureau keeps saying they don't think it is me. I have called in to verify and still nothing.
Product: Checking or savings account

Capital One Bank 's back office has failed to correct their error and credit my account back the {$64.00} that they took from my account on XX/XX/XXXX. On Monday, XX/XX/XXXX and on Thursday, XX/XX/XXXX I spoke with XXXX different customer service reps who reached out to the back office to fix the error. On XX/XX/XXXX the back office took {$64.00} out of my account stating that the merchant had refunded me. The merchant never refunded me. Both of the customer service reps that I spoke with on the XXXX as well as the XXXX confirmed that there was never a merchant credit made. As of to date Capital One 's back office has pretty much stolen {$64.00} from my account with no resolve in sight. The claim number in reference is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Closed case # XXXX through the CFPB case, OPPLoans indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( 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.

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.
Product: Debt collection

XX/XX/XXXX VANCE AND HUFFMAN LLC {$1500.00} I am requesting the original agreements and contract with my authorized signiture 15 u.s.c & 1692 XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance I am requesting the original agreements and contract with my authorized signiture 15 u.s.c & 1692 XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance I am requesting the original agreements and contract with my authorized signiture 15 u.s.c & 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft since XXXX I have been victimized several ( 3 )  times throughout the years. My most recent was in XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX and XXXX check systems, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of XXXX XXXX, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!