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

I have been a customer of Bank of American for many years. I have had to submit many complaints in recent times because of the many XXXX XXXX people whom I seem to interact with when I need a problem resolved. The latest XXXX XXXX was someone named XXXX XXXX who wrote to me telling me that a {$35.00} overdraft fee I was charged on XX/XX/19 was valid because it was not an error on the part of the bank. It was charged because of a check that posted the same night I got paid- the money was there but SOMEHOW I still got charged an overdraft. That totally makes no sense and I can not for the life of me understand how I can get charged an overdraft fee the same night a check posts along with my PAY CHECK. It makes no XXXX sense.
Product: Student loan

I tried to lower my payment based on my income and they said I could n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.
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.1 believe these practices are unfair and request an investigation into my account transactions
Product: Vehicle loan or lease

I requested the original documents in connection to this debt with TD BANK, NA. They repossessed my car on XX/XX/XXXX, sold it around XX/XX/XXXX, and since then has sold debt to XXXX XXXX XXXX XXXX, but TD BANK, NA is still reporting to my credit report monthly and adding increases but has failed to send me any of the information I've requested. I sent the request for information on XX/XX/XXXX, it was sent certified mail, delivered and signed for on XX/XX/XXXX according to the return receipt that I received back.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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: Student loan

I have XXXX student loans with Wells Fargo that was to go in repayment period XX/XX/2015. I had been unemployed and I requested assistance from them to allow me time to find a job, catch up, and then I would make payment arrangements. In XXXX 2015 I was finally able to fit it in my budget to began some repayment and I made a partial payment. In XXXX 2015 I attempted to do the same however my accounts access online was deleted and when I contacted them, they advised me the debt had been charged off. I requested that they do not call me as they were calling my employer. I have since continued to receive phone calls. My latest conversation with them was a lady attempting to collect the debt, I advised her I was unable to pay the full balance and that I would be more than happy to make payment arrangements however they would continue to report the account past due until the full balance is paid, not just the past due balance. I advised her the amount that I could pay per month and she advised it would take 10 years to payoff the amount and that each month until satisfaction the account would be reported late. I dont feel this is fair to the consumer that if I brought my account current and made payment arrangement, why wouldnt they assist in updating my credit to reflect paying as agreed. I would love to buy a home in the next 10 years however a student loan debt is not the best way to go about it. I am requesting assistance from the CFPB to look into Wells Fargo Student Loan services and to see what type of agreement we can come up with.
Product: Checking or savings account

2021- charge fee for last three months : XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency XXXX furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit card

I applied for the American Express Gold card, I was denied and so I did not accept that offer and responded to the Investor Relations and Legal Departments with the letter attached that disclosed why they cant deny me access to my credit based on their prospectus, Indentured Trust Agreement, etc, how they are trading on the primary and secondary market my application, as well as being able to go to the federal reserve bank and gain access to my credit which also funds their ability to pay investors and shareholders. In doing that they are benefiting and I am not which is securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX CO Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. PORTFOLIO RC Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY XXXX  CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

In 2023 I was victim in a large crypto scam, please refer to attach documents for details.
Product: Debt collection

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$78.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA these creditors has violated my right under 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agenency can not furnish an account without my written consent or instructions. Under 15 USC 6801 states that i am protected of non-public information. I was violated, inaccurate information is being reported to my credit report. The FRCA 15 USC 6802 obligations with respect to disclose personal information. Creditors are supposed to provide consumers they do business with 3 disclosures forms 1. Form stating they are going to report your personal information to consumer agenacies. 2. You have the option to opt out if you dont want your information reported 3. Form explaining how to exercise your right to opt out and the steps to take. 
All of the listed accounts are reporting as " charged off '' the irs views charge offs as gross and ordinary income and i have never recieved any off the 1099-c form cancellation of debt forms so inaccurate is being reported. There is also inaccurate information reporting different information and different dates. 
XXXX XXXX XXXX is charged off Experian balance  update is XX/XX/XXXX XXXX is XXXX a XXXX  update of XX/XX/XXXX and XXXX is reporting a update balance on XXXX is also reporting XXXX high balance of {$430.00} and XXXX and experian doesnt report a high balance all creditors show a past due balance of {$240.00} XXXX XXXX XXXX  XXXX is being reported as charged off Experian balance update is XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX and XXXX is reporting balance update XX/XX/XXXX XXXX is reporting a high balance of {$1000.00} and XXXX and experian is not reporting the same information XXXX XXXX XXXX XXXX XXXX is charged off reporting XXXX update XX/XX/XXXX XXXX is reporting balance update XX/XX/XXXX XXXX  is reporting XXXX update on XX/XX/XXXX there is a past due balance of {$8800.00} from all creditors XXXX. XXXX XXXX XXXX is being reported as charged off with a update balance being reported on experian XX/XX/XXXX XXXX  is reporting a balance update XX/XX/XXXX and XXXX is reporting a balance updateXXXX XX/XX/XXXX XXXX and experian are reporting a past due balance of {$2900.00} XXXX is not reporting this XXXX. XXXX XXXX  XXXX  XXXX is chharged off and experian reporting a balance update on XX/XX/XXXX XXXX reporting balance update on XX/XX/XXXX and XXXX is reporting balance update on XX/XX/XXXX XXXX and experian is also reorting a past due balance of {$520.00} XXXX  is not reporting this information XXXX XXXX XXXX XXXX is reporting as charged off experian is repporting balance update on XX/XX/XXXX XXXX reporting balance update XX/XX/XXXX XXXX is reporting balance update on XX/XX/XXXX XXXX  and experian is also reporting a past due balance of {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in coma XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to die an took advantage of my name social security number while under coma to receive benefits of this credit card while counting my life out
Product: Mortgage

Loan pal lost my payment! I have tried to resolve this problrm since XXXX. 
This is a new loan they were paid via my banks bill pay and cashed by loanpal. Loanpal miss applied my first 3 payments. The first 2 were finally found and applied to my account. The 3rd bill pay check has not been found but has been cashed by them. I have spoke with their collections department numerous times. Faxed in coppies of the canceled check that they cashed. My bank has faxed in coppies of the canceled check and I also emailed them to my loan officer XXXX XXXX. To this day The funds have not been returned to my bank I started paying via their online service in XXXX and have not had any problem since then. It is XXXX and I still receive weekly calls that they have not received payment and I am collecting late fees from this fiasco!
Product: Mortgage

I got an approved permanent loan modification from PNC. I'm outside of the country, so I used an online notarized service. 
In XXXX, after one month, I got a *secure* message telling me that a notarized service isn't acceptable and I need to go to the US embassy to notarize the documents, but the email and the new document were showing that I need to provide the documents before XXXX, so back on time, not giving me any time to even schedule an appointment with the embassy. 
I showed that error multiple times, but no answer I have got.
Product: Checking or savings account

The balance in  my TD B ank account ending in  XXXX  is overdrawn  XXXX , this includes a reversal credit in the amount of  XXXX . This credit is for a disputed transaction,  XXXX  from  XXXX  of  XXXX . This is a fraudulent transaction, received no service from this merchant and have not done business with them . TD Bank refuses to further investigate, I was told prior by a TD Bank rep that the credit was supposed to be permanent as the investigation was closed.. However, they rev ersed credit on  XXXX , overdrawing my account. The credit card authorization form provided as proof was not signed by myself, fraudulent. I 've attempted to resolve matter directly with merchant, however, they will not refund charge. I 've stopped direct deposit to this account, please advise  TD B ank I refuse to pay this charge and account will go into collection unless they credit back this charge. Please do not mark this as duplicate, there is additional information contained.
Product: Student loan

I have a loan with DPT ED/NAVI. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX  Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information.

DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX DPT ED/NAVI-XXXX-Balance : {$0.00} - Date Opened : XX/XX/XXXX
Product: Debt collection

I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
NATIONAL RECOVERY AGEN ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I was accused of damaging a room ( Door Frame and Door ) at the property address located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX ( XXXX ) ; during my stay between the dates of XX/XX/XXXX XX/XX/XXXX. This frivolous accusation is 100 % false. On XX/XX/XXXX when I checked out of the room, the dwelling was inspected before check out was completed. I turned in the keys and the bill was paid in full and I left the property. The incident in question took place after my check out and departure ( The Staff contacted me over 48 hours later to inform me of the damage ). Therefore by law I can not be held accountable for whatever occurred in an empty unit after the lease/agreement has come to an end and all bills/ ( and or ) fees have been satisfied. I have also contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX. I spoke to the current Property Manager Mr. XXXX. He informed me that I was cleared from the unit with no outstanding bill/ or fees at my departure. Mr. XXXX also notified me that the cost to replace a door, and its frame is {$900.00} ( Door {$500.00} and Frame {$400.00} ) but however the credit collection company : XXXX XXXX XXXX XXXX XXXX XXXX has place the ludicrous amount of {$2900.00} on my account. This is in clear violation of the Fair Debt Collection Practices Act as Amended by Public Law 111-203, tittle x, 124 Stat. 2092 ( 2010 ). Section 15 USC 1692, Section 807 False or Misleading representations 2A, 8, Section 808 Unfair Practices, and Section 809 Validation of debts. Your immediate assistance is appreciated in helping me to resolve this matter.
Product: Debt collection

I have obtained my credit report and found accounts Ive never opened, and addresses I never resided, inquiries I never made and also different variations to my name. I also found this account that I believe is not mine : Acct name : MIDLAND CREDIT Original Creditor : XXXX XXXX balance {$1700.00} I am not liable for this debt and I do not have a contract with : Company : MIDLAND CREDIT Ive filed multiple disputes. Filed a complaint with the XXXX. Ive attached Police report & also letters Ive sent MIDLAND CREDIT. I also plan to consult with an attorney about this matter. Please delete this account from my credit report at once. I need a response from this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I XXXX XXXX never gave CBNA any written consent to report late payments on my consumer report. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # XXXX I was never late, 30, days in XXXX XXXX 30 days XXXX XXXX  and 60 days XXXX XXXXIm not sure how this happened, I have always made my payments on time when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit card or prepaid card

Account was closed without warning, all rewards were forfeited.