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

Ref : Urgent Complaint Regarding Fraudulent XXXX Transaction Dispute through Navy Federal Credit Union of a XX/XX/year> transaction, after much back and forth deliberation i'm being stonewalled by my bank, many months of waisted time all during hardship and family deaths, so i need help to make this right, i'm out XXXX with no one paying me interest on my funds some fraudster finagled from my account, i'm a XXXX XXXX who needs government protection/help, least you can do since i risked my life and all To whom it may concern, I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the handling of a fraudulent transaction issue by Navy Federal Credit Union ( NFCU ), where I have been a loyal customer since my military service. 

On XX/XX/year>, a fraudulent XXXX transaction of {$570.00} was made to an unknown individual, XXXX XXXX. Despite my immediate dispute of this transactionemphasizing that I never engage in such large XXXX transfers, nor know anyone by that nameNFCU has failed to provide satisfactory resolution. Their repeated rejection of my claim, citing technicalities about XXXX, does not align with the robust fraud protections promised through their affiliations with XXXX and XXXX. 

This ordeal has been ongoing since late XX/XX/year>, and despite my persistent efforts to resolve it internally with NFCU, I have encountered nothing but delays and unhelpful responses. Their insistence on pushing responsibility back to me, without credible evidence or acknowledgment of the anomaly in my transaction history, is unacceptable. 

Given the severity of this matter and the implications it has for my financial security, I am now seeking your intervention. The lack of accountability and transparency from NFCU suggests either a significant security breach or negligence that needs urgent investigation. I must emphasize that this issue is not merely a financial inconvenience but a potential breach of trust and security. 

I kindly request immediate escalation of this matter to ensure a thorough investigation and resolution. My legal counsel has advised pursuing external intervention if NFCU continues to dismiss my concerns, and I am prepared to take necessary actions to protect my rights. 

Please consider this communication as a formal escalation of my complaint and a plea for swift action. I am eager to cooperate fully in any investigation and provide any additional information that may assist in resolving this issue promptly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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.

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!
Product: Debt collection

I have reported this company and they provided a false statement about the outcome. They advised that they updated the balance to reflect the correct amount and didnt. They are reporting different information to the credit bureaus and have violated my rights and broken FCRA laws. They first reported this was taken back and I asked to give the vehicle back to them. They advised the XXXX  that my payment balance was updated and I will provide the response. They sold the vehicle but updated the balance back to what they shouldve never done after falsifying a Statement and correcting it and closing the complaint. They immediately put it back afterwards. After the sale of the vehicle, they were to furnish me with the sale amount and my remaining balance and didnt. Now they have charged the account off less than 45 days after the sale without properly reaching out to me. Im asking to have this account removed from my credit reporting immediately. They have been reported many times by others and have active lawsuits. This company has caused me lots of trouble and reporting negative incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get a " HARD Inquiry '' removed from my Equifax report since XX/XX/XXXX with no results. Hard Inquiry from XXXX XXXX XXXX XXXX , XXXX- I do not have any account nor have I inquired for any type of services with XXXX XXXX XXXX . I've called both companies only to be in the middle of neither Equifax or XXXX XXXX XXXX providing a resolution. They both have numerous times said to call the other and today is XX/XX/XXXX 'NO RESOLUTION '' from either entities. 
XXXX XXXX XXXX has said that I do not have an account with them, nor do they have my information for any of their products. Equifax states that they can not delete that inquiry even though XXXX XXXX XXXX is stating I do not exist on their system of records or credit inquiry for their products. 

How did Equifax generate a letter stating that the item has been verified and is accurate when XXXX XXXX XXXX does not have any records of my personal or S.S. # to their system?? I need help Equifax- I now understand why Equifax had breach problems.
Product: Debt collection

Dear Resurgent Capital Services L.P., I am writing in response to your recent communication regarding the collection account XXXX. I appreciate the information you have provided, but I must respectfully challenge the validity of this debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I have the right to request validation of this debt. I am requesting that you provide me with the following : * Verification of the original creditor 's name and address.

* Verification of the original account number and any relevant dates.

* A copy of the signed agreement, contract, or other documents proving that I am responsible for this debt.

* Verification of the amount of the debt, including any fees or interest charges.

Please note that under the FDCPA 809 ( a ), you are required to provide this information within 30 days of receiving this request. Until you have provided the requested validation, I am requesting that you cease all collection activities, including reporting to credit bureaus.

Additionally, the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) stipulates that information reported to credit bureaus must be accurate and verifiable. Failure to provide the requested validation could result in inaccurate reporting, which would be a violation of the FCRA. 
I look forward to your prompt response and resolution of this matter.
Product: Credit card or prepaid card

On XX/XX/2018, i made a purchase on credit card for {$130.00} to a musical event. The vendor promised that food and drinks were included in the purchase price. Upon attending the event it became apparent that the event planners did not prepare sufficient food for the massive crowd. We left the event without receiving any food. 

On XX/XX/XXXX, I filed a complaint with Capital One Bank disputing the fact that vendor did not or could not deliver food service as advertised on the event documentation. Capital One Bank disallowed a credit to the account because they stated that the complaint " lacked a refund voucher ''. 

I find that the conclusion is unacceptable and that is the reason I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.
Product: Mortgage

T he Company has  people call me from  XXXX , the  XXXX  saying my property is going into foreclosure.   They call in the middle of my work day, ca n't understand them then they say the have n't received payment.   I have been in good standing since  XXXX     2012!    Have not missed a payment, still trying to sleep at night.   This is my custom built farmhouse. Still working on my credit.   I believe it 's harassment.
Product: Debt collection

This company has been calling me and all my Family members. Impersonating lawyers, and threatening to sue, aggrevating, and harrasing.
Product: Credit card or prepaid card

here 's a list of the companies that I've contacted in XX/XX/2023 no actions because these items still remain on my credit today : XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX ( the second one ), XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a collection reporting on my report, I have attempted to reach out to solve matter as I have no knowledge of this, I have also submitted a complaint towards the collection agency reporting as I have no knowledge of this nor do I know how this came about. Please remove this information. On one hand in the equidad website it shows there are no collections whereas in XXXX XXXX under equidad it is reflecting a collection.
Product: Debt collection

To Whom It May Concern, I am writing this to submit a formal complaint about XXXX XXXX XXXX formerly located at XXXX XXXX XXXX, XXXX, GA XXXX. They have falsely reported the amount {$6100.00} to the credit Bureau. I have never not paid my rent. I had no damage to my apartment. When I moved from XXXX XXXX I did not owe them any money for anything. In fact, the apartments owes me my initial rent deposit. When I moved in to the neighborhood I made a deposit for my apartment at XXXX at XXXX XXXX. After 7 years of residing in the community the company known as XXXX XXXX bought the neighborhood from XXXX at XXXX in approximately the year XXXX. When it was time to renew my lease I decided not to renew and to ultimately move out because the new owners XXXX XXXX XXXX management was aggressively harassing and bullying the residents to pay them extra money that the residents didn't owe. My rent was {$560.00} in XXXX for a 1 bedroom apartment. When they wanted me to renew my lease they told me that my renewal rate would be {$1200.00} per month for my apartment. So I moved out then they processed a false eviction and sent it to me and the court in XXXX XXXX. When I moved out I did not owe them any money at all. They were trying to renovate the apartments they were trying these tactics to gain money for the renovations.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  credit card posted 2 debts on my XXXX, XXXX, and XXXX credit reports. I asked them to verify this information from XXXX and they could not. I was notified in a few months of its removal. It is now showing it is from Portfolio Recovery opened XXXX XXXX in the amount of {$480.00}. I notified them that this was removed and that it should not be on my credit report but I have not heard any response.
Product: Credit card

As a former college student enrolled at XXXX XXXX XXXX  from XX/XX/XXXX to XXXX, and having attended other institutions between XXXX and XXXX, I wish to address significant concerns regarding Navy Federal Credit Unions practices. 

During my time as a college student, I faced financial constraints that limited my ability to work extensively. Despite this, Navy Federal Credit Union targeted me with marketing campaigns promoting credit products such as the Navy Federal Cash Signature Advance credit card and the XXXX XXXX Rewards card. These products carried high-interest rates, which exacerbated my financial challenges and contributed to significant debt before I could fully comprehend the implications of using them. 

Additionally, discrepancies in my credit report raise questions about the accuracy of the reported data. Specifically, the Cash Signature Advance credit card is listed as opened in XXXX, while the XXXX XXXX XXXX card is reported as starting in XXXX, both of which appear to be inaccurate. As of XX/XX/XXXX, my Cash Signature Advance credit card shows a balance of {$7400.00}, and my XXXX XXXX XXXX card reflects a balance of {$3100.00}. 

Beyond the financial issues, recent reports, such as the investigation highlighted in the XXXX article dated XX/XX/XXXX, suggest a troubling pattern of XXXX discrimination within Navy Federal Credit Union 's practices. This raises broader concerns about fairness and transparency in their dealings with minority groups. 

Furthermore, I believe the targeting of college students like myself with limited financial experience and resources represents a potential violation of the Credit Card Act of 2009. By promoting credit products to individuals who may not fully understand the associated risks, Navy Federal Credit Union has engaged in practices that seem to prioritize profit over consumer well-being. 

It is critical that financial institutions operate with transparency, fairness, and accountability, ensuring their practices do not disproportionately impact vulnerable populations or perpetuate harm.
Product: Vehicle loan or lease

XXXX XXXX XXXX. Lost my job and needed help with lower payments on my car. They would not help me. The last time I went in the lady called and talked to some man. He wanted to talk to me. He started screaming at me. He wouldn't let me talk. Crying I handed the phone back to the lady and he was screaming at her. I handed my keys over to her and left crying. I loved my car and didn't want to leave it but I couldn't get any help. It haunted my credit for a long time even after filing bankruptcy. Had to have our lawyer keep working on it. Finally 4 years ago I was able to buy a home. This was Wells Fargo in XXXX, Idaho.
Product: Debt collection

I have been threatened and harrassed to the point of cruelty by COMMENITY BANK. I made payment directly to the store and they told me I had to pay them, then the harrassment began and won't stop. I have had to block close to 100 DIFFERENT numbers and robo calls that get though to my voicemail. Ive also received texts and e mails!!!! I'm going to finish payment but they call me while I'm working too. Help me please!
Product: Money transfer, virtual currency, or money service

Are you writing formally express my concern regarding Zelles handling of disputes, particularly in light of the recent ( CFPB ) lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies, my. Financial institution and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicates that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving user vulnerable to scams.this lack of accountability and transparency is unacceptable and raise serious concerns about. Consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX, I have been alerted that my personal identifying information has been obtained through the recent Equifax hack XXXX
Product: Prepaid card

I have been given a US AMEX giftcard and I have attempted to use it at various US stores. ( I am located in the UK ) and the transactions decline everytime ( I do have access to a US Address ) I spoken with AMEX customer services, who say use the card in a shop. Doesn ; t work. Transactions are declining to " protect my funds '' however I can not spent my funds and this feels like a scam
Product: Checking or savings account

Goldman Sachs is reporting deposits that I make into my Goldman Sachs Marcus money market account as " Collection '' withdrawals from my XXXX XXXX XXXX  checking account : please see supporting documentation of at least 5 examples of these " Goldman Sachs BA Collection '' withdrawals that have posted on my recent XXXX XXXX Bank checking account statements. 

These incorrect postings are causing XXXX XXXX  's mortgage division to inquire about these " collection '' activities, which they claim that I did not disclose to them. These multiple and compounding instances of inaccurate reporting by Goldman Sachs are jeopardizing my loan approval and damaging my credibility with XXXX XXXX  and XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  on XX/XX/2021, and XXXX XXXX XXXX  confirmed that Goldman Sachs is the financial institution indicating each withdrawal from my XXXX XXXX XXXX  as " collection '' activity.
Product: Checking or savings account

Text message received on XX/XX/22 stating fraudulent activity. Reply yes or no if authorized transition. My husband responded no and we immediately contacted Wells Fargo Bank as we were on the phone with the bank we received a call from fraud department. We asked the Wells Fargo rep if we should answer the call and verified the number with her she replied yes. It was a scammer pretending to be from the financial institutions fraud department. The callers number was being spoofed. The scammer told us we need to verify our identity, the scammer asked for the online banking username and told us to read back a passcode sent via email. He then instructed us we need to send our current balances to our selfs through XXXX in order to set up new accounts. As soon as the translation was complete the scammer hung up. XXXX dollars was sent. We immediately called Wells Fargo back and spent over XXXX hour filling a claim and changing account username and password. Rep reported that the transition was pending and has not went through yet. Was charged overdraft fees. Called multiple times to find out the claim was denied due to no error and rep reported the claim was filled incorrectly and not has a fraud claim. New claim and escalated complaint filed on XX/XX/22. Account was locked on XXXX/XXXX/XXXX, had to call customer service to unlock account. Never received call back on complaint. On XX/XX/22 second claim denied. Went directly to bank and spoke with banker and manger. She filled another claim on XX/XX/22 and was going to contact XXXX XXXX XXXX. Printed out passcodes documents and given to bank on XX/XX/22. Police report filed XX/XX/22. Received call XX/XX/22 from customer service on new claim needing more info. As of today XX/XX/22 no follow up received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, trade-line reporting on my credit report when the trade-line is not my. Every time I dispute the account the balance increases and the 7 year drop off mark increase also. The1st negative date change from XX/XX/2016 to XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to get preapproval from a mortgage company as we are looking to buy a house. We have our accounts at all three credit agencies frozen. It was very simple to temporarily remove the freeze at XXXX XXXX and XXXX. Experian was another story. Their online service often said, " I didn't get that '' even when the data was entered using the keypad. There was inadequate time to enter the PIN number they had sent. Giving up on the phone, I tried the online service. The field for the PIN number was too short to fit the PIN sent to me. I left off the XXXX leading XXXX and was able to get the temporary removal. I told my husband to leave off his leading zeros in the PIN sent by Experian. However, it turns of he had XXXX leading XXXX. His request was denied and they said he had to submit all kinds of information for his request to be honored. We are still waiting to have the freeze removed. Nowhere in the letter containing the PIN, in the phone link or on the online site does it say the PIN has to be a certain length or to disregard the XXXX leading XXXX. This is ridiculous. If we had been trying to get a loan to go with an offer, we would have lost the bid. Why can't Experian give you a PIN that is correct and be as user friendly as the other two agencies?