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

After having incurred multiple overdrafts and returned fees, I would like to file a compliant against NFCU XXXX Navy Federal Credit Union ). Despite having sufficient funds when transactions were made, I incurred overdrafts fees due to the lag of posting of credits and charges. This issue aligns with the recent CFBP findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds. I would like to believe this practices are unfair and unjust and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax report and it has not updated in almost 6 months. Several debts have been closed and while my XXXX score has improved by 87 points, the Equifax report has yet to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud associated with unlawful evictions, theft, harassment, breach of contract, domestic violence and or other matters not listed here, which is causing information that doesn't belong to me or should not legally exist on my reports.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX and Experian and XXXX have violated my rights, and they violated the law, 15 USC 1681. I have written on many occasions asking them to fix the issue or delete the following due to inaccurate reporting. its reporting a balance on a paid off account and they have failed to delete or update the account. 
XXXX XXXX XXXX XXXX. # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I used XXXX via Wells Fargo to make a {$350.00} payment to a man for the purchase of a puppy for my wife, the next day on XX/XX/2020 I sent the final amount of {$350.00} ( for a total of {$700.00} ) after I received what I believe to be an actual video of the dog complete with the man calling the dog by the name we where going to give it and the date and an email with the bill of sale. On XX/XX/2020 I received an email from a company claiming to need {$1000.00} " pet insurance '' to send the puppy via airplane. I knew immediately that we had been scammed and attempted to get our money back. The man claimed he was going to the airport to cancel the flight and would refund us our money the night of XX/XX/XXXX. He has sinced blocked us and not been responsive. I was sceptical when he first mentioned XXXX but when I saw that it was endorsed by Wells Fargo I thought it could be trusted as the XXXX page looked legitimate and had a couple of people claiming to have purchased from him. The scammer was very reassuring during the process and even had a professional looking fake shipping company website that they used to try to get more money out of us. We have reported them to XXXX and warned others in my wifes pittbull group. I will be trying what ever I can to not only get our money back ( which is most likely gone ) but warn others. Avoid XXXX 's XX/XX/XXXX, XXXX XXXX and " XXXX XXXX '' at all costs.
Product: Credit reporting or other personal consumer reports

I never had a XXXX and I downloaded it start to check my credit and when I look there is a credit card open up not by me and it was an Amax so I call and report it. Its crazy because I have a XXXX  XXXX credit card why wouldnt I be happy to have an amax over a XXXX  XXXX. I didnt open a amax the amount I see is {$4300.00} and I call XXXX and they say it one XX/XX/year> and I reported it to them.
Product: Credit card or prepaid card

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX  and XXXX  related issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2021
Product: Credit card

Navy Federal credit Union continue on taking drafts from my credit card account to end a fraudulent dispute brought by XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX  I made a complaint a month ago about this maybe federal credit union refunded my money, then turn around to withdraw it and told me that they sign and with XXXX XXXX XXXX XXXX XXXX even though the transaction clearly states that XXXX XXXX will pay for this car rental XXXX starting to believe the staff at Navy Federal. Credit Union is doing this because of my XXXX race harassing me for no reason at all, but the XXXX of my skin. They already denied me for a loan in the past for no reason, but my race, even though my credit was not bad Navy Federal credit Union continue on with this harassment Ive been nothing but respectful to Navy, credit union and staff recent transaction XX/XX/XXXX as well as XX/XX/2024 I will be calling XXXX XXXX police check fraud unit on Navy Federal credit Union, as well as XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal is responsible for this at this time. Thats why they will be named as a suspect and this crime of fraud. This is worse when you can clearly see XXXX XXXX agreed to pay XXXX percent for the car rental, Navy Federal XXXX allows this type of behavior to go on just XXXX their ratings XXXX female clearly states Navy Federal does not side with the customers when it comes to fraud and I agree 100 % with her Navy Federal is a institution. Navy Federal is a XXXX institution. Navy Federal credit union is a XXXX institution. I try not to say it, but I see it now because its happening to me. Enterprise car rental did receive their vehicle back on return date of Monday, XX/XX/20XXXX XXXX XXXX XXXX according to this written contract yes, Navy Federal credit Union does XXXX  when it comes to their lending practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$7700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt collection

CAPITAL ONE AUTO FINANCE # XXXX Claims I owe them for a car I never signed for. My daughter bought this car and I did not co-sign or sign my name to anything in reguards to that vehicle. It would be impossable for them to produce any paperwork that correctly matches my signature. I am requesting this account to be removed from ALL XXXX reporting agencies A.S.A.P.
Product: Checking or savings account

I went in to a chase branch on XX/XX/2023 to withdraw funds that was made available that day after waiting 14 business days. I went to withdraw XXXX with my ID and a withdrawal slip when the teller refused to give me any money because I didnt have my physical debit card with me. I explained to her that I been a chase client for over 25 years and I have never had this problem or was told that before and I asked for a manager. The manager then explained that I can use two forms of identification if I dont have the debit card which proves that the previous teller lied to me and discriminated against me. Shortly after I provided the two forms of identification the manager ( XXXX XXXX XXXX vice President branch manager ) now tells me my account is restricted but I didnt get any notice from chase about my account being restricted untill the tellers did something wit my information I gave them. After I asked for further explanation I was just turned away and told to go to the other side of the bank without any direct help or courtesy. I was treated like scum or like I was committing a scam. As I asked for their names because I didnt like the service I was receiving and I want to make a complaint they then ran away from me and took their name tags off then threatened to call the police on me because I asked for their names and ID numbers. I then waited for the police because I wanted an official report for what happened to me but it was only security for the mall that showed up. Security helped me get their names after they refused to give it multiple times.

My complaint is about being discriminated against and lied to by the teller XXXX XXXX on the policy of the bank, I asked for her to show me the policy that stated her claim and she could not show it and then the manager proved that she wasnt helping me to her fullest, I also was discriminated by not being helped in an appropriate manner, I then was threaded to be kicked out and arrested for going to my own bank to withdraw money. I was not hostile, I did not act out of character. 
The branch is XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy filed XX/XX/XXXX. Kohls/capital one has inaccurately reported this account to XXXX on multiple occasions, initially not reflecting the Chapter XXXX at all. Most recently, it reflected the Chapter XXXX filed in XX/XX/XXXX, instead if XX/XX/XXXX and reported a failure to pay in XX/XX/XXXX which caused my missed payment to be reflected inaccurately. I opened a dispute with XXXX XX/XX/XXXX stating the chapter XXXX date should be updated to reflect correctly of XXXX and that the missed payment from XX/XX/XXXX should also be removed. I received the dispute was completed XX/XX/XXXX and that it was updated. Yet this creditor reported ANOTHER missed payment in XX/XX/XXXX causing my FICO score with XXXX to drop 20+ points as this is the only event that has happened which would negatively impact my score. 

I have attempted to contact this creditor MULTIPLE times to just report the information accurately, I get mocked each time i call, and unable to speak to their 'bankruptcy department '. 

I have attempted to explain this information to XXXX   reflecting the facts andvtheyvjust kick it to the creditor to update who keeps inaccurately and falsely reporting missed payments which are negateively impacting my FICO scores that I sn trying to rebuild from after facing an unfortunate situation. My XXXX FICO score is approximately 45 points lower than my XXXX and XXXX scores and solely based on the way Kohls/capital one is reporting my closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card is opened by fraudulent. 
Please remove credit hard inquiries and account on my credit reports. 
Company : Comenity Bank
Product: Checking or savings account

Hi, I was charged {$2500.00} from XXXX XXXX within two days, I did not made the purchases. The bank suntrust called me to let me know they suspected fraudulent charges so they open a case but then they closed it because they said I did business with them before. So it was not fraudulent, I ask them to show proof of purchase but they did nothing. 

So as of this moment not only they don't want to refund my money. 

They are charging me overdraft fees. 

I contacted XXXX XXXX  but everything is by email and so far they keep reviewing the case but no action has been taken.
Product: Debt collection

After they were notified they created a derrogatory account on my credit profile with experian and have not responded with any verification materials
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm concerned about the validity and accuracy of a recent investigation conducted by Chex Sytems , Inc. on an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that appears on my Chex Systems report XXXX This account was created without my knowledge or permission. I requested an investigation two months ago after being informed of this fact because I believed this item was not being reported legally. Soon after, I spoke with a representative who informed me that the Chex Systems investigation was complete and the information/account was deemed verified. I was sent a letter stating the source of verification, a personal signature card, for an account that was opened onlineand the customer 's acknowledgement was electronically obtained. Evenafter presenting them with an up to date FTC report and other verifying documents to my being a victim of Identity Theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights under the Fair Credit Reporting Act. I have the right to privacy under 15 U.S.C. 1681 Section 602 A. Section 604 A of the United States Code. It also states that a consumer reporting agency can not provide an account unless I provide written instructions.
Product: Vehicle loan or lease

Affidavit was sent to Mercerdes Benz Financial services, it was never rebutted by affidavit as requested, they have acquiesced to my right of possession under ucc 9-609 after default.
Product: Debt collection

I have already written a lengthy and descriptive notice to Portfolio describing the nature of my complaint as I didn't know how many characters you would allow. I will attach it to this complaint along with all relevant documentation I have on this complaint. As a brief description to you, Portfolio has sued an individual using a now Defunct Law firm by the name of XXXX XXXX  XXXX. Portfolio sued this individual using my social security number. Because the judgment is not on my credit report, I didn't find out about it until I was in the middle of escrow and underwriting found it. Obviously it is not mine as the defendant 's name is XXXX XXXX and I am XXXX XXXX. 

I have attempted to contact Portfolio Recovery Associates to have them correct this situation. I have informed them that I am late into my escrow and my {$3000.00} deposit as well as the home itself is in jeopardy. Portfolio has acknowledged that this account is not mine but refuses to do anything about it. They are leaving it in my hands and have lied profusely about many things which are noted in my letter. If this ordeal caused by Portfolio 's lack of an investigative procedure or due diligence in making sure the entity they sued or the information used to sue an entity is the proper information is not corrected, then I will have no choice but to sue them. I am hoping this complaint gets their attention and gets you to see how willfully negligent Portfolio Recovery is conducting itself.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Hi, I get a messege in my cell phone saying that I had a court summons for XXXX XXXX XXXX XXXX for a Chase Credit card anmd that the amount I own is {$15000.00} dollars and they said that sent a offer in XX/XX/2023 for {$5900.00} dollars but I told her never received that information. 
she speaking fast and she offer 125 payments for {$100.00} but if I want to pay now with a credit card I just pay {$3600.00} is the 30 %. 
But I told her accepted {$2800.00} and said wait a moment and come back soon and said I offer {$2000.00} dollars but with the fee is {$2400.00} dollars. 
she knew my Social Security number and my Personal Information.

And for the payment she asked for a credit card to pay.

And was a Unknom Messege.

Thanks
Product: Checking or savings account

My father ( XXXX XXXX XXXX XXXX ) died XX/XX/2020 at XXXX Hospital XXXX MS . Mother went into Trustmark National Bank -- XXXX MS -- XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX XXXX while presenting Funeral Bill who requested a Death Certificate. On XX/XX/2020 mother returned with Death Certificate and still Mrs XXXX refuses to release the fund to pay for funeral bill. Trustmark and it reps show to be insensitive and be taking advantage of a vulnerable adult who's grief stricken. Trustmark should show a little compassion by the releasing of the funds in the account with my father 's name attached as primary account holder.
Product: Money transfer, virtual currency, or money service

I sent money through paypal XXXX was the total.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 in months that are reported late to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to TransUnion stating XXXX XXXX re-aged an old credit card account by selling an old debt to another lender. My last payment to this account was in XX/XX/XXXX, making the effective date of first delinquency somewhere in XX/XX/XXXX. The account was also closed in XX/XX/XXXX. In XX/XX/XXXX, this closed account was sold to another lender and is being reported as delinquent once again from XX/XX/XXXX - XX/XX/XXXX. This is a clear case of re-aging by a creditor which is a violation of the Fair Credit Reporting Act. 

I received a letter from TransUnion stating that XXXX XXXX has verified the information to be accurate. This is a problem on two fronts. XXXX XXXX has re-aged the account, and TransUnion hasn't actually made an investigation themselves. TransUnion sent back a conflicting document, stating my last payment was in XX/XX/XXXX, but the account is delinquent in XX/XX/XXXX. TransUnion is not reading their own document.