23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 6 months that Navy Federal Credit Union has changed off XXXX account and has not yet sent me a 1099C. I'm asking Navy Federal Credit Union to CEASE AND DESIST from reporting income as debt on my credit report. Also I'm revoking any and all Power Of Attorney allowing Navy Federal Credit Union of reporting my nonpublic financial information to third parties Corporation, any and all non government agencies.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I contacted the credit reporting agencies ( XXXX, Equifax, and XXXX ) I also connected the creditors directly ( XXXX XXXX and XXXX XXXX ) I left them know about the inaccurate items on my report. I did not request for the information to be investigated I am asking for it to be deleted since no one has sent me any proof that the items were actually correct. If I was actually late when they reported I was then all of my reports should reflect the exact same information but since it is not. That is considered inaccurate and unfair reporting the information should be deleted since no one has been able to send proof of a notice stating that I was late or that a late payment would be reported to my report. This is causing me great financial distress I would like the credit reporting agencies and the creditors to correct this situation so that my report maybe accurate and fair.
Product: Bank account or service

I had an account with regions i told them I didnt want to set up auto transfers and they did it anyway after i noticed it i canceled future transfers and now they transfered money from my checking to my savings and charged me a XXXX dollar fee and then went into my savings and took XXXX dollars out for a monthly maintnece fee this has to be illegal i understand the XXXX dollar fee and i would have to pay that each month but to charge my account for putting money from my checking that was XXXX cents into my savings all within the same bank and now my account is closed and i cant get an account due to this i am negative XXXX dollars and refuse to pay this for i didnt cause this and it is just a way for them to make money and i want this fixed and they offered me a settlement that still works in there favor taking XXXX dollars off the balance that isnt an offer or settlement and someone needs to do something about this bank they need to be shut down and given to another bank they are horrible people
Product: Checking or savings account

There are two fraudulent transactions pending on my Ally Bank checking account. I called Ally Bank and they said they could not help and that I needed to wait for the fraudulent transactions to clear before I can dispute them. This is not acceptable - why should I have to allow a fraudster to take my money before Ally Bank will investigate? 

I also called the merchant listed on the fraudulent charges. It is a 3rd party gift card processing company. The representative I spoke acknowledged that the transactions are likely fraud and that this happens a lot. They asked me to provide my bank information in order to send a refund. I refused - why would I provide such information to a company that is fraudulently charging me? 

There are two fraudulent charges in question, both for {$25.00} with the same description : PENDING : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

About 3 months ago I tried to apply for the American Express Gold Card after seeing that I was pre-qualified for their welcome bonus offer. I applied for the card, but once filling out the application I was met with a screen saying I was not eligible for the welcome offer. The message stated the following : " ... based on your history with American Express welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer. '' It then gives you the option to continue without receiving the welcome offer or cancel the application. I canceled the application as I was promised a welcome offer. The issue is at that point I have only ever had 1 credit card ( XXXX XXXX XXXX ) which was with them, I haven't had a balance transfer, closed an account, or met any of the disqualifications they mention. 

After calling American Express a few times and finally speaking to a manager they said that it was odd that this was happening as they don't see any issues from my activity. They said they would escalate it to an investigation and I haven't heard back from them. When I called to ask about the progress of the investigation the supervisor I spoke to said there was no investigation on file. I simply just want what I was advertised or atleast an explanation as to why I don't qualify, because the reasons they are giving make no sense based on my credit experience.
Product: Credit reporting or other personal consumer reports

Experian has been reporting a XXXX XXXX bankruptcy on my consumer and I would like to have it removed because it is violating my consumer rights due to the US Bankruptcy court does not verify with any credit bureaus any type of bankruptcies on consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the credit reporting agency Equifax XXXX that XXXX XXXX was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to people of color or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize Those accounts to be open. I am requesting that they be removed. 


XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

University of XXXX continues to put this collection back on my account and I have NEVER BEEN ENROLLED IN XXXX  OR ATTENDED A CLASS.
Product: Checking or savings account

Edd Debit card Transaction Details. Claim Number : XXXX XX/XX/23 BANK OF AMERICA {$2900.00} XX/XX/23 BANK OF AMERICA {$3000.00} XX/XX/23 BANK OF AMERICA {$590.00} Total amount tranffered out my account was {$6500.00} I filled a police report and faxed you guys the police report. I would like my money back please. Last four social is XXXX
Product: Consumer Loan

I leased a car for 3 years and the lease is coming soon to an end.At the end of the lease i have the option to return the vehicle or buy it.The lease agreement stipulates that : '' PURCHASE OPTION AT END OF LEASE TERM.You have the option to purchase the vehicle at the end of the lease term for {$12000.00} and a purchase option fee of {$350.00}. " South East Toyota Finance, the leasing company is asking me for {$13000.00}, motivating that the difference of {$1100.00} are " taxes and fees ''! I would like to know what my right XXXX are!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from TD Auto Finance on XX/XX/19. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Debt collection

I have received letters and marks on my credit report for several account in the office of EOS CCA # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , MA XXXX I have requested a proof of claim and validation before any legal actions can be taken. I never received a response back it has been over 30 days
Product: Checking or savings account

My checking account fell into the negative. That XXXX  day, within XXXX  of the posting, I deposited funds to the account to bring it back to the positive. The next  XXXX, my bank charged me an overdraft fee of {$32.00}, bringing my account back into the negative. Not only did I make the deposit in a super timely manner, the bank waited until the next XXXX  to charge me a fee on an account that was not negative. The bank is Associated Bank. I can provide further information if needed.
Product: Credit card

Capital One repeatedly and unreasonably continues to deny my requests to increase my {$750.00} credit limit on my Quicksilver card ending in XXXX. On XX/XX/2024, Capital One denied another request in just a few minutes. Their letter says I don't use the card enough which is patently false. I use and payoff this card regularly. My credit score is nearly XXXX. My credit reports have no negative reports whatsoever. Other credit cards have started me with limits over {$6000.00} and granted my credit limit increase requests. But, Capitol One Quicksilver will not increase my credit limit one penny above the initial {$700.00} limit set when I received this card. I believe Capital One 's stated reason is pretext for unlawful XXXX discrimination because I am completely XXXX from working and my primary monthly income source is SSXXXXI.
Product: Prepaid card

I received an email at XXXX in the morning on XXXX, XX/XX/XXXX indicating that someone had attempted to pull out {$300.00}. From the very moment the money hit my account. When I asked them to provide me information on how that was even possible, they had nothing for me. They just shrugged their shoulders and said this is happening to a lot of people. Right now. I have multiple bank accounts across multiple banks in my entire XXXX  years of existence. Never one time has this happened until today which tells me it is exclusively a problem with their prepaid cards. They don't care about these cards because they're for people on unemployment or XXXX and therefore not important to them because they're not making a ton of money off of these accounts. Does anyone else see the problem there in that? Apparently my biggest crime is being poor. They told me verbatim. You can request the recordings of the phone calls that it is not their job to monitor our accounts XXXX hours a day. So I post you this question. What is their job then? What is the purpose of a bank if not to have a place to keep your money safe.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

I reached out to three credit breau to remove in acurate information of public file bankruptcy XXXX XXXX has removed the bankruptcy but all three have both received but telling me they will remove and hasnt been removed it has been 30 days and now they are giving me another date and told me if I dont like to file a complaint.
Product: Checking or savings account

I opened a checking account on XX/XX/2019 with Capital One 360. Due to the limitations of Capital One 's website, I had to initially open it in my name only. Once the account was opened, I was then instructed to send an invitation to my spouse in order for her to become a joint account holder. This was done and my spouse received an email the same day instructing her to log in to Capital One and complete her portion of the joint application. 

When my spouse logged into the Capital One website to complete the joint application, she answered a few questions and upon submission was stopped due to a what was called a security issue. Despite going through this process several time her portion of the application could never be completed. 

Over the course of the next few days, both my spouse and I spent several hours on the phone with Capital One personnel in an attempt to complete the joint application process. And at no point was she given a reason for this failure other than their software sometimes has problems. And worse yet, there was no one willing to step forward and intercede. 

Finally, after getting nowhere with Capital One, I chose to close the account on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an account on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is with XXXX XXXX XXXX, which is reporting the account as past due. However, I have documentation and notifications indicating that this account was closed and charged off without my prior knowledge. 

I believe this information is inaccurate or incomplete for the following reasons : 1. I was not notified that the account was closed and charged off, as required by law.

2. The reporting as past due does not align with the notifications I received. 

I kindly request that you investigate this matter thoroughly. If you find the information to be inaccurate, I request that you : Delete or remove the XXXX XXXX XXXX account from my credit report, or Correct the inaccuracies, ensuring all information reported is complete and accurate. 

I have attached the following documentation to support my dispute : 1. [ Copy of notification regarding account closure/charge-off ] 2. [ Copy of my credit report highlighting the disputed information ] 3. [ Any other supporting evidence ] Please complete your investigation and respond to me within the 30-day time frame required by law. Additionally, I request written confirmation of the actions taken regarding this matter.

Thank you for your attention to this important matter. I look forward to resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove the XXXX alert and credit freeze off my credit report ASAP!! I have called Transunion and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these acccounts ASAP.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I received collection notices from Capital One for a credit card that I did not apply for or authorize. The account was fraudulently opened in my name, and the total amount owed is {$XXXX} USD. I immediately contacted Capital One to dispute the charges and informed them that this account was opened without my knowledge or consent. I have also taken additional steps by reporting the identity theft incident to the appropriate authorities and the FTC.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was looking on XXXX XXXX and seen a post for women 's XXXX  outfits for sale so I messaged the seller about them through XXXX XXXX. On XX/XX/2023 she messaged me back and we chatted about them for a little while and I decided to buy some of the outfits because she told me that she would sell me XXXX of them for {$250.00}. I went to the Cashapp and sent the {$250.00} to her Cashapp account and then we chatted for a little bit longer and then she told me that she would let me buy the remaining XXXX outfits for {$67.00} that way she could send them to me all at the day so I went back into my Cashapp account and sent the other {$67.00} to her Cashapp. She told me to send her my address and everything so I did and she told me that after she sent them out she would send me the tracking information and we ended the chat after that. The next day I waited for a little while for her to message and she never did so I tried messaging her several times but she had done something so she wouldn't receive my messages and never got in touch with me so I went to XXXX XXXX and tried to report her account and everything but she had removed all of her information and left the group that she had posted the outfits in. When she done that I couldn't report her or the situation to XXXX. I signed back in my Cashapp account and tried requesting my money back several times and she declined them so I reported her to Cashapp XXXX XXXX and explained the situation to them and tried to file a dispute claim but couldn't and Cashapp told me that they weren't going to do anything about the situation even though I have proof of the whole situation. I didn't know what else to do so I contacted the XXXX website and explained everything to a representative and they sent me to this website to file a claim about the situation. I have proof of the conversation and the proof that I sent both payments to her Cashapp account. I also, have some pictures of the items that I paid for but never received and a picture of some people that she knows or something. Her XXXX XXXX account name is XXXX  XXXX and her XXXX is XXXX  XXXX. I have the proof of everything but it isn't letting me attach the stuff to my complaint but I will try to figure out how to send it if it is needed.