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

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

Date : XX/XX/year>
Product: Credit reporting

I have been trying to remove negative marks from my credit report. Equifax has given me the hardest time. I had a tax lien with the State of Ohio. It is over XXXX years old and it has been released. It should be removed but it has not been. I feel that this is an unfair practice and should be resolved.
Product: Debt collection

I XXXX XXXX sent DISCOVER certified mail a affidavit with violations that they committed. This resulted in DISCOVER closedown my account without my permission, which is a violation under the of Permissible Purposes 15 USC 1681b. I was not compensated for the other violations under FCRA and TILA. I sent them a NOTICE OF INTENT TO ENFORCEMENT, stating where they were in violation and how I rather handle this out of court and not wasting anyone time, especially the JUDGE.
Product: Credit reporting or other personal consumer reports

I sent my full identity theft report to the credit reporting agencies, each one being XXXX, Experian and XXXX XXXX. I sent every piece of documentation required under the fair credit reporting act specifically section 605B which requires the credit reporting agency to immediately block and remove any accounts, identified as fraudulent by the consumer within four business days. Within one week I received information from each credit Bureau stating that they refused to block the information and instead rolled over into a 30 day investigation. These laws are in place exactly for these reasons so that consumers don't have to fight back-and-forth with the credit reporting agencies to have information deleted that doesn't belong t instead with the credit reporting agencies are doing is deciding to be the judge in jury and they are making the decisions on what they want and what they don't wan na block even without any new proof or new evidence from the furniture of information other than the original information that was submitted that negatively impacted my credit report that was the results of fraud. The credit reporting agencies are notorious for this and continue to get away with it and don't take responsibility. The consumer is not the customer of the credit reporting agency, yet the large companies that report and furnish the information on the consumer are the customers of the credit reporting agencies and pay for that service. Therefore the credit reporting agencies cater to their customers and not to the consumers and or victims of identity theft. I want the information that I clearly outlined in the theft report sent to each one of them certified mail that provided every required document under law as well as the California Rosenthal act and I want those accounts immediately deleted and removed from my reports.
Product: Credit card

I have made XXXX Calls to Wells Fargo and XXXX Calls to XXXX trying to get this resolved. 

XX/XX/XXXX : I made a {$120.00} charge @ XXXX. However, days & and Month goes by and nobody could locate my {$120.00} or send me a receipt copy of the charge. 

XX/XX/XXXX : I disputed the charge with Well Fargo. 

XX/XX/XXXX : XXXX supervisor help me locate the charge and advised what and where to locate the {$120.00} purchase I made XX/XX/XXXX XXXX : I am still attempting to received the {$120.00} due back to me. 

XX/XX/XXXX : Spoke to XXXX at Wells Fargo. I have received XXXX letters that my dispute is closed and I am due back the {$120.00} This is going on 2 Months.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinsertion of a XXXX XXXX charged-off account appearing on my credit report under the following details : Account Name : XXXX XXXX  Account Balance : {$2700.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Address Reported : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX The Fair Credit Reporting Act ( FCRA ) strictly prohibits the reinsertion of previously deleted or unverifiable information without proper notification and a valid certification of accuracy. Specifically : 1. FCRA Section 611 ( a ) ( 5 ) ( B ) : Before reinserting information, Equifax is required to certify that the furnisher has provided sufficient evidence to prove the informations accuracy and completeness. I was not notified of this reinsertion, which constitutes a violation of federal law. 
2. FCRA Section 623 : Data furnishers are obligated to report accurate and verifiable information. The address associated with this account, XXXX XXXX XXXX XXXX XXXXXXXX, is factually incorrectI have never resided there. Any account tied to this address is therefore false and should be removed. 
3. FCRA Section 611 ( d ) : If a reinsertion occurs, Equifax is required to send me written notice of this action within five business days. I did not receive any such notification, further compounding the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My application for a credit card was rejected because my " identity can't be verified '' by Experian. I went online to check my Experian report and they said the same. I'm OK with XXXX and XXXX, but can't get Experian to even recognize who I am, meanwhile, the credit card application is in limbo. I tried to resolve this online and by phone with no good results. 

I'm a little concerned that I might have been hacked or have some unknown breach that prevents Experian from recognizing me. 

HELP!
Product: Debt collection

I have incorrect information reporting to my credit and it is preventing me from purchasing a home for my family through XXXX XXXX XXXXXXXX. Ive reached out to these companies several times and have explain to them that this is not my debt And they have failed several times to give me proof. On top of that My insurance premium is going up because of these collections and they are saying is mine luckily I still have my job and I havent missed out on any opportunities because of my credit score however it is harder for me to rent an apartment and that is the main reason why Im looking to get home. The deposit that I have to pay for my utilities as well as Internet is outrageous all because they are going based off my credit. At this point I dont feel like I can build wealth in America or even retire because of the falsely accused collections that are on my credit report. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Credit reporting or other personal consumer reports

XXXX XXXX has this listed as a mortgage and when I contacted them about this they said it was the credit bureaus that made this mistake not them. I can not seem to get this error corrected by the company and the credit bureau. This is not a mortgage it's a XXXX  loan  with no collateral. The XXXX XXXX  company did email me a doc showing its not a mortgage which is attached but Experian says different and won't change my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent proof that I entered an agreement with XXXX  and have made payments for the last year and entered an agreement provided the proof however Experian has refused to remove the red non payments for the last XXXX year I have paid and entered into the agreement Additionally XXXX XXXX i never entered any contract with and have no contact for that debt they refuse to prove I have any signed contract with XXXX XXXX  and continue to publish this debt my debt is not with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 received and email alert from Experian that my credit score decreased by 25 points. 
I called them right away and first numerous attempts I could not get past the auto/robo menu. finally figured out how to contact a human but got hung up on 3 times and after that transferred 5 times. 
I asked for a manager and talked to " XXXX '' about my credit score dropping by 25 points for no reason. 
balances were XXXX, no late payments ( always on time ), not crossing the 30 % balance. no new accounts/inquiries nor old accounts that have been closed. 
He informed me that he could not do anything and that I should call all my lenders, FICO and a licensed adviser.

My lenders, FICO and adviser all stated that Experian should definitely be able to look into this and to see why my score dropped so significantly, FICO even mentioned this was incorrect information and 'bogus '. 
I called Experian immediately after all this information. and luckily ( or oddly ) enough I got the same supervisor on the phone and he again stated the same thing and that he could not do anything for me and it's blamed on the FICO ( Fico8 ) algorithm.

" talk to a financial adviser '' Strangely enough my FICO 8 score at other credit report agencies have not seen a huge decrease, they actually remained stable or increased versus what happened at Experian.. 
Tried to call once again for last time to see if I could get any information but to no avail.
Product: Student loan

I am the co-signer of my Son 's student loan from Navient. My son applied for and was granted a reduced rate payment plan. However, Navient was still reporting past due payments. I contracted Navient and spoke to their agent XXXX XXXX where he discovered that the accounts were still reflecting the old rate not the reduced rate. I spent an hour on the phone with him as he corrected the accounts and got them up to date and paid in full. He said everything was corrected and no monies or further action was required on my part. Going forward Navient reported to all XXXX credit bureaus that the XXXX accounts in question where 60 days past due and all XXXX of my scores took a tremendous hit and went down close to XXXX points. I 've made numerous phone calls to Navient beginning in XXXX to explain and they conceded that made an error and would retract the 60 day late payments made to all three credit bureaus. I 've written them letters asking them to investigate as 60 days late is still showing on my credit reports. Friday XXXX XXXX, Navient sent me results of their investigation saying the 60 days late is accurate and will not remove it from my credit reports. Between the taped phone calls and typed phone transactions with several agents it will prove my version of events is true and accurate. I am appealing their decision once again, however, I fear they will give me the same results. I really need your assistance as I have no idea how to proceed to have their wrong righted on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file XXXX XXXX BANK XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXXI XXXX XXXX : {$58000.00} ; XXXXXXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX CARD XXXX Balance : {$5800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$11000.00}.
Product: Credit reporting

In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all XXXX of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account und open end consumer credit plan as lat purpose.
Product: Debt collection

on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX XXXXXXXX auto sales in XXXX XXXX Iowa. 

on or about XX/XX/XXXX the XXXX XXXX XXXX was repossessed by American credit acceptance and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. 

on or about XX/XX/XXXX, XXXX XXXX XXXX XXXX bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. 

on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least 100 points when no debt is even owed. ( a total of 83 times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. 
then on XX/XX/XXXX, XXXX XXXX XXXX filed suit against me and my domestic partner in the 5th Circuit district court in XXXX XXXX Iowa. after answering this suit and my Domestic partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. 

requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .

it was during this time I contacted ACA and was informed that the debt was
discharged and a 1099c was filed. a simple phone call.

I promptly filed a motion to dismiss as no debt was owed hearing was granted after XXXXXXXX XXXX XXXX were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.
Product: Vehicle loan or lease

I voluntarily gave my car back to the finance company. The company stated to me I would be updated with a balance if there was any remaining on the car. I never received any communication after the car was sold. There is still a remaining balance on my credit report and the account is negatively impacted my credit score. This company gave me a hard time, even committed fraud by trying to process a payment without my consent resulting in my not trusting this company and voluntarily giving my vehicle back.
Product: Checking or savings account

I work for a company that participate in 1 day early direct deposit. On XX/XX/23 I awake to 18 over draft fees. I contact the bank by phone but due to weekend, I was advised to go into bank to discuss. I when to bank on XX/XX/23 and was advised that there wasn't nothing that they can do to help. And I needed to be mindful of my spending. I when again on XX/XX/23 because I received another overdraft fee and also informed that my account of 13 years has been closed due to the overdraft fees. I was advised on XX/XX/23 after being at the bank for 2 hours that all my overdrafts was for items that was posted on XX/XX/23. I explained that my regular pay date is XX/XX/23. My check was available on XX/XX/23, so I don't understand by I received all the overdrafts. Due to all the overdraft fees, all my credits payment didn't go through, which has cause late fees and over the limit balances.
Product: Credit card

Chase has coerced me into making purchases on my Chase Freedom Visa card by falsely describing promotions and promotion details. This card offers unlimited 1 % back, and 5 % in specific categories that rotate every 3 months. For the months of XXXX, XXXX, & XXXX, one of these categories was restaurants. I made a charge dated XX/XX/year> at XXXX XXXXXXXX XXXX  for {$27.00}. I have frequented this establishment for years, and always use a card with a cash back bonus at restaurants, and until this instance, it has always been credited at the higher rate for restaurants. This time, I only got 1 %, not the advertised 5 %. I never would have made this purchase on this card if I knew I would only get 1 %. On the same statement was another problem. On XX/XX/XXXX, I received an e-mail from Chase about additional offers that I could opt into. One was 5 % at XXXX. The same day, I called Chase and spoke to XXXX. I asked about the disclaimer that purchases only qualified if they were made " directly with the merchant '' not " third-party services. '' I pointed out that XXXX was a third party marketplace, and asked if everything was excluded. I was told that anything purchased on XXXX was included. I then pointed out the " Offer valid one time only '' exclusion. I stated that I planned to make a single checkout with two items sold by two different sellers, and wanted to know if that would count as a single purchase ( all of it eligible for the promotion ) or as two separate purchases ( only one of the items eligible for the promotion ). I was told that would could as one purchase, and the entire thing would be eligible, as long as it did not exceed the {$10.00} cash back maximum, which it did not. I only ended up getting the 5 % on {$30.00} of a {$160.00} order. When I contacted Chase, they said they would listen to the call, but in the letter they sent, they suggested that it would be unfair to other Chase customers for them to honor what they stated to me. The total owed to me between the 2 transactions is {$7.00}.
Product: Debt collection

Got 2 call one after the other that they were serving me. They game me a case number and number to call. First call was ok, 2nd call guy was very aggressive. I call number and gave case number, the name was given to me was same but had another last name too and gave the last four of ss number. Told him that wasn't me, said hold on is this you then gave me my correct name and ss number and home address. He said they were collecting money from credit card for bank and that they were a lawyer firm and are going to put a lean on my house right now. I told him I didn't get anything bills or paper work of debt or collection. He name three companies XXXX  XXXX, XXXX XXXX XXXX and Wells Fargo were collecting for a bill from 2014, that I stopped paying. Sounded very fishy so put on hold called Wells Fargo closes to me. Person told me he did not show any open accounts that were in default and that credit cards don't put a lean on property since there is no collateral attach to credit. I told the guy on the phone I also told him that I thought he was scamming me. He said they could put a lean since they were a lay firm. The debt was almost XXXX. And he said he could check and see if I can get a reduce rate od XXXX. Put me on hold. He acted all nice and said he was going to try and help me. I told him I needed proof of what he was talking about he Sent a form that said what I owe and reduce rate on a law firm letter head. Email was like a document email no an email, I looked for one and also XXXX  email and law firm no listing for law firm told him that. Said no listing since they only XXXX XXXX not people. Still was skeptical so I told him, that is when he gave my full social my husbands, my DL number. Home address by then I have been on phone for almost 2hrs I called husband'and told him, at one point I also hung up the call when I called wells Fargo to verify . The guy called me back and was a bit more aggressive telling me he was trying to help me otherwise they would just put a lean on our house right away. He wouldn't even let me think about and said ask me anything I will answer them. Numbers that were used XXXX. XXXX XXXX the number he used to call back XXXX XXXX XXXX. We put dispute on charge the morning after I also called back the next day I called the XXXX number to see how it was answered they answered as litigations, I tried to call by blocking my number but called didn't go thru.
Product: Debt collection

Portfolio services calls me everyday. From multiple different numbers. They call my place of unemployment. They call my parents and threaten them and use foul language. They have tried to serve me papers but I wasnt home. I have told them to stop and they just get worse. They are known for this type of behavior and its well documented all online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

In  XXXX    XXXX   a collection of  XXXX  was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report.  XXXX  reporting as open. This is not my debt.
Product: Checking or savings account

My girlfriend sends me {$880.00} to my Chase Checking each month via XXXX through her bank XXXX XXXX XXXX  ) for household expenses. Although both institutions support immediate XXXX payments, Chase doesn't credit my account the day of the transfer ( usually around the XXXX of each month ), and instead credits it about four days after the date of the transfer. 

After several secure messages back and forth with Chase, who gave non-helpful answers such as my GF 's bank may not support immediate transfers ( they do ) or that I should contact XXXX directly for resolution. So I contacted XXXX and they can only help if the payments are scheduled directly through them and not one their participating banks. 

XXXX XXXX