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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available fund. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

I am currently XXXX, recently single, and unable to work. I have no income. The company refuses to allow me to defer my loan so I am not in danger of defaulting.
Product: Money transfer, virtual currency, or money service

From my Discover bank checking account a wire transfer was processed on XX/XX/XXXX to my wifes XXXXXXXX XXXX ( XXXX ) for {$22000.00} usd. 

First Discover told us, the recipient bank had the funds, so we called my wife bank and they told us they don't have the incoming wire, and Discover wasn't able to provide tracking # Few days later Discover told me the wire was on hold by the Federal Reserve and they asked for more information, we supply my wife social security, address and citizenship. 

Days later, I called the Federal Reserve and they told me they don't hold for that timeframe, that I should file a complaint with CFPB. 

XX/XX/XXXX I asked Discover to return my money and I was told they don't have it. I have talked to several supervisors and none has an idea where is it or what to do. They tell me the Reserve has it, the recipients bank has it, the intermediate bank has it... 

Every time I call they tell me 3 to 5 business days, and on the 5th day they " reset '' the days again due to is a new request, so I have been on a loop. 

Please help
Product: Credit reporting or other personal consumer reports

So this my second complaint with this company. I filed a ftc identity report all ready as well a police report submitted with my last complaint. I want a copy of the investigation as well the procedure they use to determine the accuracy of the account. Also its a XXXX XXXX  thats havent been taken off yet. I never sign a contact with this company. I want proof of this debt.
Product: Debt collection

I made an XXXX XXXX visit to XXXX XXXX in XXXX, Colorado in XX/XX/XXXX. I was covered by health insurance at the time and paid a number of bills related to the visit out-of-pocket up to the point of maximizing my deductible. More than 2 years later, in XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a bill from Colorado XXXX XXXX XXXX for {$450.00}. I called XXXX and requested a copy of the bill and contested the validity of the outstanding amount since I had maximized my deductible under the policy. I could not find any record of having received the bill or any correspondence with my insurance company in my personal files. I never received a copy of the bill from XXXX, so I sent a letter to XXXX contesting the debt on XX/XX/XXXX. I have a copy of the letter and I sent it certified mail, return receipt. I never received a response to the letter from XXXX. 
I received a letter from another collection agency, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX trying to collect the same debt. I called the agency and explained that I had previously contested the debt and again requested a copy of the bill. I never received a copy of the bill. I sent a letter to XXXX  dated XX/XX/XXXX explaining that I had previously contested the bill and repeated the reasons I was continuing to contest it. I requested that they discontinue an further harassment of me about the matter. 

I just received a letter from a third collection agency, CACi, dated XX/XX/XXXX trying to collect the same bill. I called CACi and attempted to explain that I have contested the debt twice already and don't think I should have to do so again for a third time. CACi stated that they are representing an organization called XXXX XXXX XXXX who is the " owner '' of the account. CACi offered me no other solution other than to contest the bill in writing a third time. I once again requested a copy of the bill from CACi, and the supervisor I spoke to said they couldn't provide it to me. 

Since I have never received any responses to my previous letters contesting the bill, I believe this now amounts to harassment and should cease. Thank you!
Product: Credit reporting or other personal consumer reports

These credit reporting agencies are inaccurately reporting charged-off accounts while showing a balance that is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report, and I noticed that there is a payment that is being reported as unknown from XX/XX/2021. This is not reporting as paid on time nor is it saying it is late which can be misleading to anyone who obtains a copy of my report. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Product: Debt collection

Eastern account system I have no idea who they are or what they do, all the certaint they run my XXXX down to like XXXX point which very fustrating me, because I don't know them at all, since last year I request a ip pin, to protect my XXXX from being use by someone else please help me out I was building my XXXX  for something important and this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in XXXX ).
Product: Credit reporting or other personal consumer reports

Name- XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) That you Experian the credit reporting agency, block information appearing on my credit report that is the result of identity theft and fraud within 4 buisness days of you recieving this complaint.This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, assetcare XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These Accounts have resulted in several fraudulent hard inquires and fraudulent collections.I have attached a copy of my FTC Identity Theft Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the information from the report accounts and hard inquiries, collections, chargeoffs are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an unauthorized and fraudulent account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information reported and to conduct a thorough and fair investigation when a consumer disputes an error.

The account in question, [ Account Name and Number ], does not belong to me and was fraudulently opened without my knowledge or consent. This false information is negatively impacting my credit profile, and I demand that it be immediately removed from my report.

Additionally, as recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) have demonstrated, consumer reporting agenciesincluding yourshave engaged in unlawful practices such as : Conducting sham investigations that fail to properly address consumer disputes. 
Uncritically accepting inaccurate information from furnishers, even when it is clearly unreliable. 
Reinserting previously removed inaccurate data without proper verification, in direct violation of the FCRA. 
I will not tolerate any such violations in the handling of my dispute. As required by federal law, you must conduct a proper investigation, communicate directly with the furnisher, and provide me with a clear resolution. If this fraudulent account is not removed immediately, I will escalate this matter by filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Enclosed, I have provided a identity theft reports, FTC reports, to further support my claim. I expect written confirmation that this account has been permanently deleted from my credit report within the 30-day period required by law. 
Failure to comply will result in legal action to enforce my rights under the FCRA and seek damages for any harm caused by your failure to uphold your legal obligations. I trust that you will handle this matter with the seriousness it deserves. 
I expect a prompt response and resolution no later than XX/XX/XXXX Upon reviewing my report, I identified the following errors : 1. **Unauthorized Inquiries : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not initiated or authorized by me. I request immediate removal of these entries as they are inaccurate and damaging to my credit profile. I request that you investigate these matters and correct my credit report accordingly. Please provide written confirmation of your findings and any actions taken to resolve these errors. Please remove the following unknowing addresses from my file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and please remove the following EMPLOYMENT INFO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to remove fraud alerts and unlock my report and it has caused an extreme amount of inquiries to accumulate on my report in attempt of credit rerun attempts that have been made. The automated phone system makes statement that confirms my report is unlocked and asks if I would like to lock. Based on the information that my report is confirmed unlocked credit has been attempted several times. I demand XXXX to delete every inquiry that is a multiple. Only one of any credit inquiry should remain as one inquiry. This alert and lock has prevented me from obtaining credit and is creating detriment from the inability to be approved for credit due to excessive inquiries and fraud alert and credit locked. This is the direct cause of our lives becoming unable to move forward and it is a violation of the reporting law to fail to fairly report my information and XXXX is violating my rights to fair credit reporting. Additionally I would not have had any issues if not for the act of XXXX to fail to provide true information regarding my report status. I did not ask for a fraud alert to become placed and although in the past there was reason to assume that need, I do not agree to it and demand removal of this so that I my be capable of purchasing a vehicle. Currently all Inquirer 's listed on my report are not authorized. Numerous attempts to assist me in obtaining financing were made without my authorization to rerun credit.
Product: Credit card or prepaid card

Barclays double billed my checking account, charging me again with a previous months one-time payment ( via mobile app ). They have also continued to charge me a late fee because I pay my bill early in the month. I also pay well beyond the minimum. Their representative stated it had to be paid on the XXXX of each month - which I know is not only incorrect, but illegal. I ended up paying off the full amount on the account yesterday and closing the account due to the hundreds of dollars they have cost me in illegal fees. Please do something about this because I know they must be doing this with others. Their rep even said Id probably be billed a late fee for this month on the XXXX because I didnt pay it off on that date!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX account number XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I started disouting by credit agencies as the creditor said to dispute it with them then I found out I was suooised to disputed with them never got anywhere XXXX months gone and for nothing
Product: Credit reporting or other personal consumer reports

Certainly! Here 's a sample letter you can use to dispute an incorrect entry on your credit report. Be sure to customize it with your information and details about the dispute. 

XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX  XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ experian credit bureau ] [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ experian credit bureau ], I am writing to formally dispute an error on my credit report, which I obtained from your bureau on [ date you obtained the report ]. The report contains incorrect information that I would like to address. 

The specific entry I am disputing is as follows : - **Creditor Name : ** [ Name of Creditor ] - **Account Number : ** [ Account Number ] - **Disputed Item : ** [ Description of the incorrect information, e.g., late payment, account balance, etc. ] This information is inaccurate because [ explain why its incorrect, e.g., the payment was made on time, the account is not mine, etc. ]. I have attached [ mention any supporting documents, such as payment receipts, correspondence, etc. ] to validate my claim. 

Under the Fair Credit Reporting Act, I am requesting that you investigate this matter and remove or correct the disputed entry from my credit report. I would appreciate your prompt attention to this issue, and I look forward to your response within the required 30 days. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ] -- - Make sure to keep copies of everything you send for your records. If you need help with specific details, just let me know!
Product: Checking or savings account

I had an account online bank named WISE. In the past week, they have deactivated my account and held my funds without any notification or explanation of the reason. Upon contacting their customers ' service mentioned that they have very limited access to the account information. I have to appeal but after appealing I haven't had any accurate answer on how to recover my own money. So it looks like a scam bank that steals money from people working so hard to earn some living
Product: Debt collection

Americollect has account on my credit that not mine/inaccurate/fraud
Product: Credit reporting or other personal consumer reports

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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Product: Mortgage

Contacted PennyMac in XXXX of XXXX to request PMI removal. 

Advised I must pay {$150.00} for new appraisal of the property. Did so. 

Assessment was completed. No notice was sent with result. 

I contacted Pennymac on XX/XX/XXXX for the result. I was told that my home appraised for XXXX, resulting in a 66 % LTV ratio. In order for PMI to be removed, it needed to be 65 % or below. 

Within the year prior, I had 2 other appraisals for HELOCs. These showed a valuation of XXXX XXXX and XXXX. Both of these valuations would result in the deletion of PMI. 

Once in receipt of the appraisal conducted by Pennymac, I also noted a number of discrepancies in the report that would result in a lesser value for the property. 

I spoke on the phone with customer service on XX/XX/XXXX and was advised to upload the previous appraisals to the system and request an appeal. 

The next communication from PM on XX/XX/XXXX said that if I would like to dispute the conclusion ( which I had already stated that I did ), that I would need to upload 3-5 comps ( which I already did, as they were included in the appraisal reports ). 

I responded to this message with the same, letting them know that the comps I would like to use were included. 

The next communication from PM in the message center was the following " Our records reflect that this is a 2 unit property, so you have to reach a LTV of 65 %. Please note an appraisal that was completed for refinancing or other purposes is not valid for PMI deletion review. Our preliminary review indicates your LTV does not satisfy the requirements for deletion based on Original Value. You may be eligible to be reviewed based on Current Value. The next step to proceed is to perform an interior and exterior valuation. This will require us to ask a few questions and collect the valuation fee of {$150.00}. To better inform you, an analysis was performed on your current PMI policy, and if you decide not to proceed with this deletion request, you are expected to pay an estimate of {$33000.00} until the Auto Termination of your PMI. Do you consent to an interior and exterior evaluation? 
Sincerely, The Pennymac Team ''. 

This communication clearly shows that the original dispute was never filed and that my comps were not considered. I venture to guess that the above message was AI-generated for someone who was filing an initial dispute. 

On XX/XX/XXXX I contacted PennyMac via phone. I was transferred 4 different times and told I could not speak to a supervisor because they were all " In a meeting ''. I spent over an hour on hold to speak with a supervisor. XXXX and XXXX were the reps that I spoke to, although they could not provide a last name or a badge number. 

Through my conversation with XXXX, she was clearly not paying attention as I detailed the above, and had no access to notes or there were no notes to begin with. XXXX came back on the line as they refused to transfer me to a supervisor, even though she was " chatting '' with him acting as an intermediary. I once again requested to be transferred.
Product: Debt collection

Violation ( s ) of : Consumer Financial Protection Bureau V Portfolio Recovery Associates, US District court Eastern District of Virginia Case 2:23-cv-110. 

Portfolio Recovery Associates has violated the letter of the above named stipulated order entered between PRA and the CFPB. They have sued me in " PORTFOLIO RECOVERY ASSOCIATES , LLC vs. Hontas Farmer Case No. XXXX in the XXXX XXXX XXXX XXXX XXXX Illinois. 

In doing so they did violate almost every provision of this order. Most directly and clearly they have violated the requirement of the order regarding " Initiating any Debt Collection Lawsuit in which Defendant is suing under a breach of contract claim unless Defendant ( PRA ) possesses documentation of the original contractual terms and conditions applicable to the debt. " PRA is allowed 30 days to send the Terms and Conditions. In a letter from their attorney XXXXXXXX XXXX XXXX they reiterated that these XXXX and XXXX  would be sent within 30 days of service of papers. Service of papers was on or about the XXXX of XXXX it is now the XXXX of XXXX. That is the clearest, most concise and most direct violation. 

They have violated other aspects of this order. 

The plaintiff did not provide documentation that is compliant with the above referenced order, CFPB v PRA, for initiation of a lawsuit under the theory of breach of contract. 
a. The alleged OLAD provided does not show a purchase or payment, and certainly is not a document signed by the defendant as stipulated in the order from CFPB v PRA. 
b. No document signed by the defendant has been provided agreeing to this debts stipulated in the order from CFPB v PRA. 
c. No document disclosing the full terms and conditions of this contract have been provided at time of lawsuit initiation, as stipulated in the order from CFPB v PRA. 
d. They have not provided at time of lawsuit filing a listing of the names of all prior owners of the debt, each specific bill of sale for each specific time the debt was sold. 
e. Finally, the above mentioned failure to provide the original terms and conditions of the contract when suing for breach of contract within 30 days of lawsuit service. This was not done, and has not been done as of this date. 

Furthermore, I have informed them of my strong suspicion that this debt is utterly false, either the resurrection of an already paid debt or a debt invented from whole cloth. As evidence of this the outfit that I supposedly owe the original debt to has since granted me a credit line of XXXX dollars. Logically if I simply never paid them that would not happen. 

As of right now the case is pending with a case management date in XXXX of XXXX At which time, or close to this time I intend to move for dismissal on the grounds that this order has been breached, and that their case lacks merit. Either order like Consumer Financial Protection Bureau V Portfolio Recovery Associates, mean something or they do not. We'll find out.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1300.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter on my behalf to request the prompt removal of the extended fraud alert that is currently on my credit report. I have attached the necessary documents, including proof of my identification, proof of address, and proof of social security number. Please take immediate action to remove the fraud alert from my credit report. Thank you for your attention to this matter.