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

The debt that XXXX XXXX XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX . The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the behalf of XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently took a look at my credit report and noticed some fraudulent activity. This account is hurting my ability to obtain credit. Please remove this account. Thank you.
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 charges and credits. This issue aligns with the recent CFPB findings against navy federal credit union for the similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

My loan was originally a Federal Student Loan, has been consolidated under Navient. I have asked Navient that, if I pay extra that what is due, can it be applied directly to principle. The response I have been given is no. If I pay extra, they will recalculate my payment and it will become the new amount due. I do not want this to happen, because, while I can pay extra now, if I needed to take a month off from that and just pay the original amount, I would be penalized. I again asked if I could send in an extra payment during the month with the instruction for it to be applied directly to principle, and Navient responded that this is not possible, and they would pay interest ( aka themselves ) first, therefore reducing the amount of principle that is reduced. I did some research and it appears that I should be able to make this request to Navient, as other loan companies will accept this type of direction from the borrower. Navient refuses to consider this without changing my payment amount permanently. Unfortunately I am stuck with Navient and have had multiple complaints about their service and the way they process payments.
Product: Checking or savings account

I have continuously had problems this year with XXXX XXXX XXXX and their partner, UMB Bank, who are the administrators of my employer 's XXXX account. 

The problem begun earlier this year when I transferred funds out of my XXXX XXXX XXXX XXXX own HSA account XXXX XXXX. XXXX closed my account upon the execution of this transfer, which I did not request. I continued contributing to the XXXX account XXXX payroll deductions, and these contributions were lost by Navia/UMB for XXXX months XXXX I contacted XXXX about this, and they claimed they were unable to do anything to fix it and said my employer would have to fix the issue. My employer 's HR department reached out to XXXX, and after months of little to no communication, the problem was somewhat resolved when XXXX opened a second account in my name and deposited a lump sum into the account. Several deposits were somehow still missing at this time, which took another month or so to resolve. This was an incredibly frustrating process that made absolutely no sense to me, and it was a huge waste of my time and my HR department 's time. 

Now, XXXX has closed the new account that they had opened for me without any request from me and without any communication to me. That account has several XXXX dollars in it, and {$1000.00} of cash has been deleted from the account as part of the closure. The {$1000.00} does not appear in the transaction history at all, but if the credits and debits are added up and the investments accounted for, the balance is low by the {$1000.00}. XXXX reopened the older HSA that they had previously closed, and they are now directing my payroll contributions into that account instead. I am totally unable to access the funds from the newer account. 

At this point, some sort of intervention is required. Despite attempting to fix this issue via all possible avenues over a period of several months, XXXX has continuously prevented me from accessing my XXXX contributions XXXX Their management of my account is inexplicable and needs to be corrected immediately.
Product: Debt collection

XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.
Product: Debt collection

Credit Collection Services have placed two collections accounts on all three of my credit reports. I have contacted both Credit collection Services and each of the three credit bureaus with information verifying the debt and the ability to collect. The three credit bureaus have received certification from Credit Collection Services that the accounts are valid. But I have not received any information regarding the debt verification and the ability to collect after asking repeatedly for the past several months.
Product: Credit reporting

Lexus-Nexus has incorrect personal data. My credit union told me to contact Lexus-Nexus directly. The only option is a telephone system with automated responses. I went through the menu and have waited for XXXX weeks for a response. They have never mailed me or contacted me. Lexus-Nexus has no way to correct their incorrect data!
Product: Student loan

For the past few years I have been trying to get an income based repayment plan from Navient and they have stated several times that I qualify for it, but they put the account into forbearance where it accrues insane amounts of fees over a course of a few months. Along with the accruing fees they have stated several times that they would send me the forms via email for the income based repayment and though I have called and told them several times that I have not received it, I still get told they will send it again. They confirm my email address with me each time but I still don't receive it though I receive account verification email from them. I'm so tired of Navient not doing as they say they will and getting charged these outrageous fees. I went on their site after fighting with them to send me the forms and finally downloaded them. I filled them out and sent them to the address that was given to me and low and behold I find out later when they are trying to talk me into forbearance again that they never received the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018 up to current about this showing up. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. This needs to be removed immediately.
Product: Credit card or prepaid card

On XX/XX/2021, California EDD deposited a total of {$1900.00} into my pre-paid card XXXX Bank of America account. On XX/XX/2021 I checked my EDD Bank of America pre-paid card balance and it showed that Bank of America withdrew {$1000.00} from my account without my authorization. I called them to let them know they had taken the {$1000.00} from my account without my consent. XXXX, the first Bank rep I spoke with said she wasn't able to view that transaction so she asked XXXX of the higher-ups to look into it. Next she transferred me to XXXX from the XXXX department to confirm security, and then XXXX transferred me to XXXX in the claims department. XXXX stated that I'm claiming that someone fraudulently withdrew {$1000.00} from the ATM. I corrected XXXX by stating that my account shows that Bank Of America took {$1000.00} from my account and I did not consent to them taking it from my account. XXXX asked me where my card is kept and I told her in my wallet at home. XXXX decided to freeze my card and said I should receive another shortly. She also said that within 10 business days I'd get a Fraud Claims form to fill out and after the claims department review it could take up to 45 days for them to decide if they will honor the claim. It is unjust for Bank Of America to keep my money hostage that they took without permission and deliberate if they want to pay back my stolen money in 55 days or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied to open a joint share account at the XXXX XXXX XXXX XXXX ( XXXX ) in order to place some funds into CD 's. I had exceeded the amount of funds insured in my current credit union account and need to have use another institution so my money will be insured. I made several attempts to open the account online but was having issues. I contacted the XXXX several times by phone but was still not able to open the account. Finally, some more experienced person helped and found the problem. The XXXX uses Equifax to run a credit check before opening an account. I went online at all 3 credit bureaus and unfroze my and my wifes accounts and received confirmations of such actions. I contacted XXXX and told them the freezes had been lifted. They checked with Equifax at the end of the day XX/XX/2020 but they still got a response our credit was frozen. XXXX again checked XX/XX/2020 first thing and still got a response they were frozen. I went online and signed into myequifax.com account and it showed it was unfrozen. I called Equifax and spent over 2 hours waiting to speak to a representative. They checked and said the accounts were unfrozen. I still have been unable to get a share account approved by XXXX because my credit accounts are frozen. Equifax has total control over our lives, they make money off our data, yet we have no recourse when we can not get an account opened. Some of my money is sitting uninsured in my current CU and I am unable to open another account in a different CU to insure my money. This is just crazy and I need help.
Product: Credit reporting or other personal consumer reports

I wanted to add a brand new 7 year extended fraud alert to my credit reports because I was the victim of ID theft again. I wanted the old alert soon expiring replaced with a brand new 7 year extended fraud alert for a new 7 year period with my updated phone numbers on the new Extended Fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!
Product: Debt collection

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from XXXX XXXX XXXX which is a violation of FDCPA. XXXX XXXX XXXX has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe XXXX XXXX Services, nor any party that XXXX XXXX XXXX claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that XXXX XXXX XXXX remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Product: Credit reporting or other personal consumer reports

If you take a look at the attached documents you will see that the company is reporting the wrong balance amount on my account. 

I want this account deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it. 

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine! 

ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine! 

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine! 

XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I recently reviewed my credit file and discovered the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and my explicit consent before initiating a hard inquiry on my credit report. I have never applied for credit or authorized these entities to perform a hard pull on my file. These inquiries are negatively impacting my credit score and may cause further harm if not addressed promptly. 

I have already attempted to resolve this matter directly with the credit bureaus and the creditors involved, but I have not received a satisfactory resolution. As this is a clear violation of my consumer rights under the FCRA, I am requesting the CFPB 's immediate intervention to ensure these unauthorized inquiries are removed from my credit report. 

I request that the CFPB investigate this matter and take appropriate action against the companies responsible for the unauthorized inquiries. 

I appreciate your prompt attention to this issue and look forward to your response. Please confirm receipt of my complaint and provide updates on any actions taken.
Product: Checking or savings account

I closed my Dave bank account in XXXX of XXXX due to fraud charges going back to XX/XX/XXXX. When I closed my account a dispute was to have been filed and was not. Over a period of time I went through Dave as we well as evolve bank whom the have a Open banking relationship with. When Dave was not investigating as they should I contact evolve who did nothing. Dave was informed on several occasions I never changed my password or ordered a replacement card. The claims charges matched up several of them don't I don't have cashapp or anything like they said. I told Dave who did this Dave also spoke with a witness about this as well. Dave failed to investigate and look into claims. Dave also was to have sent out a check with my balance of {$30.00} and never did that either. The IRS is also involved because of a tax return and stimulus going to the account. When I found out it was compromised I questioned there security on the account as well.
Product: Credit card or prepaid card

Chase Credit Card Statements Chase continually refuses to provide credit card statements that have a XXXX  balance at the end of the billing period, even though there was a beginning balance and activity during the billing period! I believe 12 CFR 1026.7 requires credit card companies to provide XXXX balance statements as long as there is any activity during the billing period ( e.g. payments, credits, charges, etc. ). 

According to your own web site, I read the following guidelines ; " Otherwise, you should generally receive a statement for every billing cycle in which your account has a credit or charge of more than {$1.00}, or on which a finance charge has been imposed. '' ( see https : //www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/ ). 

For instance, I did not receive the following periodic statements : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also did not receive other XXXX balance statements from prior years. It appears that they did provide XXXX  balance statements up through XXXX. 

I do receive XXXX balance statements from many other credit card companies, just not Chase. 

When I worked in the financial industry, one of the things we saw that indicated possible fraud on a credit card was a charge and a credit for just {$1.00} or some other small dollar amount ( to test the validity of the account number ). If a customer does not receive a statement, they would likely not even know that there had been suspicious account activity. 

In summary, my complaint is that Chase refuses to provide XXXX balance statements even though there is activity during the billing period.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC XXXX692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit card

On XXXX XXXX I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 16810 , 15 USC 1640, 15 USC 1691e .

Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- '' A denial of my open ended consumer credit constitutes to discrimination.

Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian today asking why they keeping XXXX XXXX Bank account {$940.00} on my consumer report? They received my ftc report. According to the Law 15usc 1681c -2 a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as a information that result from an alleged identity theft, not later than 4 business days after of receipt by such agency. Experian received the certified mail on XX/XX/22 at XXXX. As of today is the 5 day. She stated they have to keep it 30days. Thats not what the law stated. This is a violation. 
15usc1681I for a negligent wanton investigation 15usc1681e ( b ) for failure to keep and follow reasonable procedures to assure maximum possible accuracy.