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 CPFB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Upon reviewing again my Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries are unauthorized and need to be removed from my credit report immediatly.
Product: Credit reporting or other personal consumer reports

i have been paying halistead financial for a debt owed to XXXX XXXX  they have reported no payments since XXXX when i have made payments in every month since XXXX. debt reflects incorrect amount and has not been updated to reflect my timely payments. the paid amount is XXXX and remaining is XXXX, the debt owed still reflects {$710.00}, after the first payment was made
Product: Credit card

On XX/XX/23, I canceled a transaction made on XX/XX/23 with XXXX XXXX. I did a dispute on 3 credit cards that I charged the whole amount on. I was refunded from XXXX XXXXXXXX XXXX XXXX ( party to contract in which card was opened by XXXX without proper terms and conditions given ) and XXXX XXXX  XXXX. This made the contract invalid and cancellable by purchaser at any time due to failure to disclose and misrepresentations that violated South Carolina Law. I filed a case with American Express to complain about the unlawful handling, investigating and denial of my dispute. They still continue to close out dispute and case without any answers. They send same old denial response every time I reopen it. That response is irrelevant and erroneous. I asked for it to be escalated to arbitration or legal but still no response. XXXX continued to illegally set up accounts from purchase after it was cancelled and refund requested violating my right to arbitration in contract and in SC law.
Product: Credit reporting

Equifax is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy 15 U.S.C. 1681 section 2 : it Also states a consumer reporting agency can not furnish a account without my written instructions I do not know of any account # XXXX named XXXX XXXX XXXX XXXX that is seeking a debt for me that has posted on my credit file. I dont have any written signed Agreement with this company I have not instructed transunion or this company by the name of XXXX  XXXX XXXX to furnish my account without my written consent. 

I have demanded transunion to make this company identify their self and show and send to me by certified mail documentation of my signed written original agreement with this company XXXX XXXX XXXX under 15 U.S.C 1682 g, which this company has fail to do so. Within my 4 day request Also under 15 U.S.C. 1681 S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also XXXX XXXX XXXX is in violation of 15 U.S.C 1692d section ( 4 ) and ( 5 ) 15 U.S.C 1692 c I dont know this company they have not send any documentation as requested by me.
Product: Checking or savings account

There have been times where I will see multiple overdraft fees on my accounts. Not just with my current open account, but also with previous account in the past with this particular bank. Every time that I would call to speak with a representative, they are also able to give an explanation for the fees being accessed. From that point, I would try my best for the fees not to be applied but then again, I will have the fees. My question is what is going on and where is my money?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Merchants Acceptance sued me for a debt that they can not prove is mine, and I was not contacted prior to doing so. They began garnishing my wages in XXXX of 2019 and after the garnishments went through I contacted them trying to establish that this was indeed my debt and they had no proof except my information. I requested copies of documents, contracts, my identification that was provided when this contract was initiated and they would not give me anything. Then after collecting almost {$1200.00} from me they stopped responding to my communications, and sued me again ; adding additional fees and making the balance more than what it was to begin with. Now, they are garnishing my wages for almost {$500.00} a paycheck, which began XX/XX/2019. I called and I was treated terribly. They continue to garnish my wages, add fees and additional charges. The debt is 7 years old and not mine. I have contacted them to try and work with them and they are deceiving and will not work with me. The continue to send the mail to the wrong address when I have provided them all of my contact information. I believe that they are illegally garnishing my wages and taking my money for a debt that is not mine. Not to mention, I was lied too and treated terribly by the legal advisor that I was in contact with. I believe this debt is not mine and they are also breaking the statue of limitations.
Product: Checking or savings account

I had a bank with Wells Fargo and was having unfair amounts taken out
Product: Credit card

I received an Attorney Referral Pending letter mid XXXX and I contacted Discover on XX/XX/year> to work out a payment plan for my account. I was told then that since I had been trying to use a third party consolidation program I would have to remove my card from the program and they would unflag my account so that I could work with them on a payment plan, and to give them XXXX business days to have the account unflagged. I gave them XXXX business days and called them back to be told by someone else that I would have to send them a " XXXX letter '' by mail or fax. I faxed the letter on XX/XX/year> at XXXX. I was told it would take XXXX business days to Set my account up to be able to work out a payment plan for it and to make it possible before the deadline they gave me of XX/XX/year>. I called back on XX/XX/year> just to be told that my account was sent to an attorneys office called XXXX and XXXX and they could no longer discuss my account with me. I had been in constant contact with them for over XXXX weeks working with them on good faith to help me in my situation. They went against their guidelines listed in the letter that they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review. 
My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have SunTrust Mortgage company some time now. I have lived in my home since 2008. I have a very same brook in the back and side of my house since the day I bought the house I was told by XXXX and the town of XXXX that my property is in a flood zone x. I have been receiving flood insurance though XXXX XXXX paying XXXX a year for coverage. Now Sun Trust is saying that I'm in a flood zone A and are not working with me and gave me their flood insurance which upped my mortgage XXXX per month. I'm a single mom and I can't afford to pay this amount every month. I have called SunTrust many times to see why my paperwork isn't acceptable this year. The last couple of years they have received my paperwork and I was fine with my XXXX XXXX flood insurance and they where good with me being in a flood x. Now they are telling me that I need to get update paperwork from XXXX either a map amendment or map revision. I have applied on line with XXXX to get this information which takes them up to 60 days to provide the paperwork to me. So now in the mean time I'm only paying my normal mortgage not the extra money that they added on to my mortgage I feel I have given them the proper documents for them to solve this issue. Nobody ever gets back to me at Sun Trust and I have faxed over the information many times and All State also tried to tell them that I was in a flood zone x. I feel if this isn't taken care of I will end up losing my house.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : AN # XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX :
Product: Checking or savings account

Husband and I Started a fraud claim with US Bank about a fraudulent XXXX transaction on XX/XX/XXXX, I called every day until XX/XX/XXXX and only then did they tell me the claim was denied om XX/XX/XXXX because it apparently was made from my husband 's login ( Hence why we both sat there and gave out information needed, we didn't know where it came from ) We told them that was false and we both made the claim and closed all our logins and account, so they said they reopened the claim. I call a week later on XX/XX/XXXX only to find out they can't do that and someone has been lying to me. I just want my money back that was FRAUDULENT TAKEN, so I can pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on numerous occasions to discuss the different accounts and inquiries on my credit report that should be deleted. I have been told that I need to contact the companies about the inquiries and have them delete the information but I have contacted the different companies and they stated the credit bureaus can delete the information. I have explained this information to Equifax over and over again and they continue to not delete. I just want the most accurate information reported and right now that is not the case.
Product: Credit card or prepaid card

On XX/XX/2021 i reported my XXXX XXXX XXXX credit card stolen from the previous night. A charge of {$960.00} dollars was used when it was stolen in a location in XXXX. FL which looks to be a club/bar/restaurant of some sort. When i called, they shut down my card and offered me a credit. However, a week ago i received a letter saying that the charge " benefited me '' and that it would be put on my statement. 

I called immediately and explained to them that this was outrageous as the card is only used for XXXX, gas stations and some grocery shops and i even told the rep to look at my previous statements reflecting this. The card has never had a purchase of XXXX dollars or more EVER, and it's never used in XXXX, FL. The representative transferred me to a supervisor and the supervisor requested information of my location on the day of XX/XX/XXXX ( when the card was stolen ). I provided her with tickets of the XXXX XXXX XXXX game as i was with my company at a work outing at the time the charge was made. She called me back 2 days later saying it was not enough because the evidence is insufficient. She said it had something to do with the fact that there was a text and email confirmation when the card was trying to be used and i pressed " yes '' on my phone. I told her this may of been an accident as i have an authorized user on the card and i didn't think twice at the moment as i did not notice the card was stolen/used at the time and i may of clicked on those accidentally. She told me she would write this on notes and then goes back and says that i need more proof of my location and time as the tickets were not enough. I told her what else can i use and if she can give me any ideas on how to obtain proof and she literally responds with " I don't know unfortunately, but you'll need to find that proof ''. She put me in a lose/lose situation as she has no idea what evidence i could come up with, nor help me in any way to resolve this. 

The charge itself is outrageous so i thought outside the box and i emailed my supervisor from my work email to his work email to confirm my location and time and that i was at the event during the time the card was used. I forwarded that email to the fraud department supervisor in hopes that this will atleast prove i was not at the location nor at the time when it was used for the {$960.00} charge. 

She did not call me back like she said she will, but instead, 6 hours later sends me a letter saying the charge will stay. 

I felt she decided to not call me back simply because of her unprofessionalism in being able to give me some advice on how to provide her proof or what she can do to help me at all. It's truly disgusting. 

I only ask that the charge be removed so i can move on and continue my good business with them otherwise i will have to close the card down. Or at least to speak to a competent supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed an agreement with the XXXX XXXX XXXX XXXX to take advantage of the CARES Act where I agreed to pay my mortgage forebarance amount in full by XX/XX/2020. I specifically confirmed 3 times on the phone with the agent from XXXX XXXX XXXX XXXX that IF I took advantage of the forebarance program and paid all fees in full by XX/XX/2020, I would not have any adverse information sent to the credit bureaus. Knowing that I was going to sell my house and pay the mortgage off in full and all fees associated with the forebarence on XX/XX/2020, I agreed to the program. 

I am now trying to buy a new home and found out that although I fulfilled my obligation by paying off my entire mortgage and all forbarence fees early, that XXXX XXXX XXXX XXXX has informed all of the credit bureaus that I was late with a payment. That was not what was agreed upon especially since my entire mortgage was paid off more than a month prior to my forbarence due date. This is a bait and switch and clearly is adversely impacting my credit score. Over 35 years, I have never had a late payment for any of my credit cards or loans. Now I am being penalized with a credit score deduction by over 135 points when my credit score from all agencies has hovered around 800. This predatory lending practices are horrific and are not in line with the intent of the CARES Act.

I need your support to get the " late payment '' notification to all credit bureaus reversed and a note to the credit bureas and me that they made an error and reverse the late payment notification. If you have any questions or need any further information, please email me. This is yet another financial institution taking advantage of the American public like was done in XXXX with the mortgage defaults.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00}
Product: Money transfer, virtual currency, or money service

To whom it may concern : I was a victim of fraud by someone that was claiming to offer me a job. I was furloughed from my job on XX/XX/2022. While looking for employment, I was sent an interview request by XXXX XXXX XXXX ( attached ). 

I was emailed the job details ( attached ) prior to the interview. 

I interviewed ( I am not 100 % positive of her name ) I believe XXXX, via zoom call on XX/XX/2022. I spoke with her at the zoom phone number ( XXXX ) XXXX. I went through an interview process with this young lady and had a 2nd interview with a gentleman. After the call was completed, I was sent a job offer ( attached ). 

On XX/XX/2022, @ XXXX XXXX EST, I sent the signed offer letter, XXXX XXXX , and a direct deposit slip. ( attached ) On Monday, XX/XX/2022, I sign on to training. It was a few people on the call. Getting to people and benefits and things. Right before we took a lunch break, they asked us to send money for our equipment. That is when I logged off because something was wrong. 

Until yesterday when I received an email concerning my appeal, did I even realize that this is what could have happened? I Googled the XXXX scam and sure enough, I was scammed. ( Article attached ) Today, I went to the Credit Union and explained to them what I thought occurred. I was advised to send in documentation of the events. 

I have several documents to send to verify these accounts. Also, after I closed the account the money was taken. I opened a brand new account and two days later there was two more {$5000.00} request on the new account. I don't know if this is someone who works for the NFCU however it is highly suspicious. 

Please let me know how I should proceed from here. 

Kind regards, XXXX XXXX
Product: Vehicle loan or lease

I filed bankruptcy. Prestige Financial has been refusing to pick up the car for 3 months now. They have been bullying me via phone and email ; i have screenshots confirming me telling them to pick up the cr. When i called them they are telling me they can ding my credit as late payment for six months or more. The car has been sitting they have a tracker on it ( that i was made to pay {$600.00} for ) still they refuse to pick up the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS XXXX XXXX. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. 

" XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. 

" CREDIT PLUS '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.
Product: Debt collection

I received an offer to settle in the mail and I paid it. The company that is reporting on my credit will not respond to calls and I can not remove this via a dispute multiple times. I have the letter I was sent and a confirmation of payment. I paid the amount requested the day I received the letter which I believe was XX/XX/25 the letter said I had until XXXX to accept one of the 3 arrangements. I paid it now I can't get it updated or removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is illegally reporting my name with a Suffix on the end. This incorrect. I have no suffix after my name. I have reported this incorrect reporting to Equifax several times along with copies of my identification, but this information remains incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 There were two unauthorized hard inquiries on my credit. I have submitted a police report of it being a fraudulent attempt to all of the reporting agencies. 
In accordance to the fair credit reporting convergence act the inquiry on XX/XX/2023 by XXXXXXXX XXXX XXXX  ) AND XXXXXXXX XXXX XXXX XXXX XXXX ) VIOLATES MY RIGHTS 15 U.S.C 1681section 604 A section 2 states a consumer reporting agency can not furnish an account without written authorization. Please delete from my report immediately