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

Navy federal has allowed transactions to go through without the funds being in the account, then charges me overdraft fees. Not just once but several times. I dont have overdraft protection I sent money to XXXX XXXX on XX/XX/year> it was posted to XXXXXXXX XXXX as pending. It should have went through effortlessly as I had about XXXX dollars in the account. I only sent XXXX to XXXX XXXX. I had to resend the money to XXXX XXXX days later! 

Navy federal had taken my funds out of my account to put them into another account on XXXX XXXX later that evening. Then charged me a retuned check fee.

Again with another payment I made to another vender, it never showed up as pending on my account. It posted days later. I made a purchase between the me making a payment to the first merchant and it posting to my account, again it never showed up on my account in any manner not even as a pending transaction, assuming all records were up to date, that second merchant I bought from went through and the next day showed up as a negative charge to my account.

Ive had navy federal for maybe 6 years this has been an ongoing issue. I just gave the most recent occurrence
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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: Credit reporting or other personal consumer reports

Prior to this incident my credit score was a XXXX. I have never been late with any creditor. I have been a long standing customer with XXXX XXXX XXXX XXXX XXXX  ) since XX/XX/XXXX. I have not used my XXXX credit card or have not logged into their website since XXXX timeframe given I do not actively use this card. Furthermore, I requested a XXXX replacement card in the mail back in XXXX since it was lost. Since I do not actively use the card I was unaware a outside company could charge my account. A charge was placed on my account unbeknownst to me for {$180.00}. XXXX sent letter to my home address mid XXXX which I received on Thursday, XX/XX/XXXX, about the charge and I immediately paid that same day as a result of that letter. There was no prior letter sent to my home or courtesy call made by XXXX. The physical card was not used for this transaction and appears to be a yearly charge for supplemental water/sewer line insurance ( XXXX XXXX reference XXXX XXXX and XXXX ). I called this company and told them they do not have authorization to auto charge my account. 

Additionally, on XX/XX/XXXX, I immediately called and spoke to XXXX customer service representative who informed me there was no credit late reporting and as soon as the payment posted, they would waive the late fee. XXXX XXXX also did not show credit was impacted at this time. The associate informed me to wait 5 days to show it was reflected on my account. I then proceeded to call back on Monday, XX/XX/XXXX, and spoke to another representative who informed me the prior representative never processed my request and did nothing with it. The new representative then proceeded to fix the account on my behalf and late fees were removed. 

On XX/XX/XXXX, XXXX XXXX then showed a credit hit ( which it previously did not ) and that my score that was at XXXX had now dropped a XXXX points. I proceeded to call XXXX again on XX/XX/XXXX, waited on hold for XXXX minutes, and spoke to a new representative who submitted a request to correct my credit which did not contain all the details listed above. I did not trust this process given the above inconsistencies, therefore, I reached out to XXXX via their XXXX XXXX because I wanted to send a formal letter myself to dispute the late credit reporting to give all the details. XXXX gave me an address to send a formal notice to XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The letter i mailed just came back on XX/XX/XXXX stating " not delivered as addressed- unable to forward ''. I also got letter from XXXX saying they would not correct my credit since they do not have all the details. I reached out again to XXXX for the correct mailing address and they said someone would be in contact with my on XX/XX/XXXX and still have not heard from them. 

I am filing a formal complaint with CFPB to get this remediated once and for all given I can not tolerate the inconsistent handling and misinformation from XXXX any longer.
Product: Debt collection

On XX/XX/2019 I received a message to call a certain number about a court summons to collect a debt. I called and got transferred to XXXX. He stated that they have been sending me the summons through the mail and as to why I haven't responded. I stated that I have not received anything. I asked him to tell what the documents said and resend them. He said he couldn't send them again. He told me the amount that was owed and he can try to give me a payment plan. I didn't have my account information so I would call tomorrow. I called again on XX/XX/2019. Spoke with XXXX again and I told him I wanted more information on the debt and the original creditor. I asked him if he was a lawyer/ law firm or if they were a collection agency. He said he was a paralegal. Last night I went home and looked up the FTC. SO I told him that. That's when he got very stand offish with me. He said he was under the impression that I wanted to do the payment plan. I told him I just want more information on the original creditor. He raised his voice and said well now our office is hesitant to do business with you since it sounds like you are hesitant to do business with us. We will continue the legal proceedings so good luck with that. He then just hung up on me. I called back and I got transferred to him but he did not pick up and sent me straight to voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Consumer Reports and noticed that I had several late payments on accounts I've never been late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of there ability with complete accuracies. I have never been late for payments on accounts : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please investigate and provide proof by the provisions set forth in Consumer Protection Laws. That these payment were late. If proof can't be provided please update these late payments to Payed As Agreed Never Late.
Product: Consumer Loan

Approximately 10 montha ago I purchased a Chrysler 200 C. Recently the car has began to completely shut-dowm/stall. This has occurred twice - on the freeway! Most recently, Last Night. XXXX/XXXX/2015 on the XXXX XXXX in the XXXX XXXX XXXX XXXX during rush hour traffic. Several cars nearly crashed into the back of the vehicle and state emergency had to come and remove the car from the freeway. The car has been taken to a dealership and they claim there is nothing wrong with the car. I spoke to Chrysler capital today and they said they would " file a report and I may or may not hear back from them. '' I am terrified of driving this vehicle - it is clearly not safe. I have easily discovered that XXXX other 200 C owners all across the country are experiencing the identical problem including the nonresponse from Chrysler and its dealers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019. I received an offer letter to settle the account with US Bank. on XX/XX/2019, I sent the require payment to satisfied the account in the form of a certified check. Funds were withdraw soon after. The account was never reported as settle and this continue to appear in my credit profile even after multiple attempts to dispute the information with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found : Social Security Number Potentially Breached Site : XXXX - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.
Product: Debt collection

MIDLAND DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA . MIDLAND IS KNOWN FOR DOING BAD PRACTICES!! 

SEE BELOW Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld a jury award of {$400000.00} for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In Brim v. Midland Credit Management, XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court upheld awards of {$100000.00} in compensatory damages and {$620000.00} in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) the XXXX XXXX approved an award of emotional distress damages of {$150000.00} for credit reporting violations. Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be XXXX XXXX XXXX and autograph as the agent , attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them. From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my privacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. IN ADDITION A MIDLAND DOES NOT HAVE LICENSE TO COLLECT IN THE STATE OF VIRGINIA. Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Product: Checking or savings account

I received a text regarding suspicious activity on my debit card. The text included a phone number to call and asked to provide personal information to unfreeze the account. The text was a phishing text. The date of the incident was Sunday XX/XX/2022 at XXXX the number was XXXX. The text read ( Call XXXX ) PNC - Unauthorized activity on your accent. 
Notice ID XXXX
Product: Credit reporting or other personal consumer reports

According to the XXXX XXXX XXXX XXXX XXXX XXXX section XXXX says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with respect, impartiality, and fairness for the consumers right to privacy. XXXX, XXXX and Equifax are consumer reporting agencies, and I am the consumer. It is to my knowledge that I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. The financial institution and the XXXX reporting agencies Equifax and XXXX, and XXXX XXXX do not have my consent to furnish this type of information and I did not give a written consent. Any and all consent to XXXX XXXX, Equifax, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise the nondisclosure option. XXXX XXXX Equifax, or XXXX never notified or informed me of my right to exercise my nondisclosure option. 15 USC USC 1681C ( a ) ( XXXX ) states " Except as authorized under subsection ( b ), no consumer reporting may take any consumer report containing XXXX of the following items of information. Any other adverse item of information, other than records of the convictions of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( A ) ( XXXX ) A states " A person shall not furnish any information relation to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumers reports to the purposes listed under section XXXX of this title. '' XXXX XXXX, Equifax, and XXXX are not maintain reasonable procedures. Also XXXX XXXX XXXX that " A consumer XXXX exercise the right to opt in or out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want the reported complaints removed.
Product: Credit card

On XXXX/XXXX/2016 I purchased a necklace from JC Penny 's, I also purchased the care plan with it and I was told by the sales coordinator that it would be insured if any thing happened to it. I wore it one day and the stone came off the chain, when I went back to the store with my receipt and the chain I was told that not only do they not replace lost pieces, but that it was a one of a kind stone and it could never be replaced. The store manager got involved and he told me he was sorry for the confusion and that I could purchase anything else I wanted and he would give me 50 % off. I told him I did not want any thing else, I wanted the same stone I had purchased and that I should not have to pay for it, since the insurance should replace it. I Value my credit and because of this incident, my credit score went from XXXX to XXXX. I pay my bills, I refuse to pay this one because I was so misled, I have been a very good customer of JC Penny 's I have totally lost my trust with them.
Product: Credit reporting or other personal consumer reports

After Reviewing my consumer report i sent out an investigation letter to Experian through certified Mail. Here is my tracking number # XXXX However It has been 45 days and Experian failed to respond. This is not making any sense. 

According to the law 15 U.S Code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of any information contained in a consumers 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 investigation to determine whether the disputed information is inaccurate in 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 day on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

MICHIGAN XXXX XXXX I, XXXX XXXX, being duly sworn, depose and say : XXXX. Personal Information : - My full legal name is XXXX XXXX. 
- My current address is XXXX XXXX XXXX XXXX, MI XXXX. 
- My date of birth is XX/XX/XXXX. 
- My Social Security Number is XXXX. 
XXXX. Purpose of Affidavit : - I am submitting this affidavit to demand immediate resolution of an inaccurate bankruptcy entry on my credit report. 
- This entry constitutes a serious misrepresentation that negatively impacts my financial reputation. 
XXXX. Details of the Disputed Bankruptcy : - The bankruptcy entry is associated with case number XXXX. 
- The bankruptcy was filed in USBK COURT XXXX MICHIGAN, located in XXXX, MI. 
- Date of filing : XX/XX/XXXX - Date of discharge N/A XXXX. Basis for Dispute : - The bankruptcy entry has been " verified '' by the credit bureau ( XXXX ), yet no verification has been conducted by the original furnisher of this information. 
- Attached is a letter from the bankruptcy court explicitly stating that they do not furnish information to credit bureaus. 
- This invalidates the so-called verification process and demonstrates clear negligence or misrepresentation on the part of the credit bureau XXXX XXXX ). 
XXXX. Demand for Immediate Action : - I demand the immediate removal of this bankruptcy entry from my credit report. 
- I also demand that you provide the specific details of who " verified '' this information and what methods were used. Failure to do so will be viewed as further evidence of willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Legal Consequences : - Be advised that if this inaccurate information is not removed, I am prepared to file a lawsuit for willful misrepresentation and violations of the FCRA. 
- Your failure to ensure accurate reporting and your reliance on unverified or non-existent sources will be fully documented and presented in court. 
XXXX. Supporting Evidence : - Attached to this affidavit are : - A copy of my credit report highlighting the disputed bankruptcy entry. 
- A letter from the bankruptcy court confirming they do not furnish information to credit bureaus. 
- Any additional relevant documentation. 
XXXX. Sworn Statement : - I certify under penalty of perjury that the information provided in this affidavit is true and accurate to the best of my knowledge.
Product: Checking or savings account

I made a check deposit into my bmo account. The check was made out to me and XXXX. I deposited the check with only my signature not noing I needed XXXX signature but they excited the check. ( bank, teller error ) I was pulling money from the account just fine until I decided to withdraw a large amount. Thats when the bank manager of the bmo Harris bank told me the problem. She said that she put a hold on my account. What now I asked? She said she need a endorsement from XXXX before she can release my funds. I then got on the phone with XXXX XXXX. XXXX said that they can't do nothing unless its the original check from my insurance Company and wasn't willing to do anything to help me. I then informed Bmo Harris Manager and she said the there is nothing she can do. That she couldn't return the original check because it have already been deposited and I can't get my funds for 10 years.

This have caused me to lose my Company to close down my employees to quit because u couldn't pay them and cause me to get behind in bills ( financial lose because of this bank error ) My name is XXXX XXXX my phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the student loan XXXX   XXXX After sending dispute letters to Transunion and XXXX , it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Product: Credit card or prepaid card

Card was left lost stolen not in my possession. 
Used for XXXX withdrawal. 
At not my atm bank but one across the street. Didn't notice it missing till next day. Called bank. 
Pending even though money was taken. 
Somebody stole it used it not for credit but cash can't figure, i didn't even have a pin mu, bed.
Product: Credit reporting or other personal consumer reports

Flagship Credit Acceptance You do not have my permission to share my personal information with any agency or consumer reporting agencies I demand you remove this inaccurate information immediately Correction to my credit report, I demand this account be removed from my credit report