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

I am writing to file a claim against Navy Federal Credit Union regarding multiple overdraft fees I have incurred that caused my account to be closed. 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.
Product: Checking or savings account

XXXX XXXX XXXX died in XX/XX/2019. I need to verify the income received for XXXX XXXX in her personal capacity, as well as the Estate of XXXX XXXX. I can not do this without having those records from the bank.
Product: Credit reporting or other personal consumer reports

In XXXX I replaced a XXXX manufactured home with a XXXX manufactured home after I paid off a mortgage account. I financed the new home through the dealers financier for 12 months then refinanced. Through the dealer it was a home only loan since I owned the land. 

I refinanced with Navy Federal Credit Union ( NFCU ) in XXXX using my VA Home Loan benefit. Before NFCU would approve my refinance, they made me tie the home and land together, basically having me to pay on my land again. 

Fast forward, Ive tried several times to dispute the way they are reporting my mortgage on my credit reports. They are reporting the type of account as a Mobile Home or Manufactured Housing on my credit report instead of a VA Home Loan. Instead of a mortgage, it shows as an installment loan, showing I have no real estate loans on my credit report. 

Ive submitted several disputes with all the credit bureaus, and have contacted NFCU many times as well. I dont know why they insist on reporting the type of home I have, vice the type of account the loan is. The way its being reported brings down my credit score as it goes against my credit mix showing I have no real estate accounts. 

During the disputes process with the credit bureaus my report shows a mortgage account with VA Home Loan as the type of account and my score goes up. When the investigation is over, and NFCU reports my mortgage account to the credit agencies they again put Mobile Home or Manufactured Housing as the account type and my score goes down because it shows as another installment loan. 

I dont know what else to do. Ive tried to fix this in XXXX, XXXX, and again in XXXX. Im beyond frustrated. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$670.00}, {$520.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX- Amounts : {$520.00}, {$670.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$700.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX-XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Mortgage

I had a late payment in XX/XX/XXXX & XX/XX/XXXX. 

When I realized it, I called and paid both XXXX on XX/XX/XXXX ( very late ) & XXXX XX/XX/XXXX ( late ) over the phone. I had NEVER late before this. 

XXXX/MyLoanCare made a mistake and entered both payments for XXXX, so I have been delinquent for XX/XX/XXXX for 1 year according to their records. 

I have made 20+ calls during this period, only to be on hold for 15-45 minutes and then accidently disconnected. I have spoke to multiple people including upper management, only to be told ... .we understand the problem, it was our error and we will " open a review '' on your account. 

NO ONE has ever returned my call. 

I continue to be delinquent in their eyes, but I AM NOT and never was. I was LATE ... ..during Covid. I am a 1099 employee and thought I would have issues, but by the grace of GOD I was able to continue to pay my mortgage, and yes I was late. 

It has been 1 year with this going on and I am totally worn out. 

I couldn't get anyone to result the issue, they were all working from home, I could hear the dog barking, the kids crying and I was on hold for many, many hours. My time is valuable too. 

I am at my breaking point. 

I finally decided to set up autopay for XX/XX/XXXX so I would NEVER be late again, even if I died. 

Their system allow me to set up the autopay, but rejected it, without my knowledge, I am a single mom, working my XXXX off and I don't have the time to be on hold for endless hours with a company that clearly has no customer service pers. onal, that has any clue what it going on with my account. 

I went into my bank account and notice XXXX XXXX payment wasn't taken out, so I went on my online account and it said " delinquent '' OMG ... .what????? My XX/XX/XXXX wasn't auto paid and I was never notified ... ... now it's XX/XX/XXXX. So ... ..not only am I behind from XX/XX/XXXX, I am now behind for XX/XX/XXXX and XX/XX/XXXX. 

I called on XX/XX/XXXX to make my payment for XX/XX/XXXX ( per the instructions from agent # XXXX ) she wouldn't give me the spelling of her name, they took my payment and I begged them to enter it for XX/XX/XXXX and they said ok, they told me to call back in a few days, once the money was out of my account to pay XX/XX/XXXX. Once the money was out of my account, I called to make my XX/XX/XXXX payment. They system said I was behind for 2 months and that XX/XX/XXXX was still outstanding. ERRRRRRRRRRRRR This just can't be happening. How can this company be so bad???????? 

I am a XXXX and while I don't pretend to be a mortgage lender, I know enough, to know this isn't right, I have never had to deal with this kind of incompetence in my life. 

PLEASE help me, before XXXX - Myloancare ruins my credit and my life. 

Sorry for typo 's, it's late and I am exhausted.

PS... .because they " think '' I am late, my escrow is short and I owe more money.

You can't make this stuff up... .it 's just unbelievable.
Product: Credit card or prepaid card

On XX/XX/2020 some lady stole my credit card and used it to purchase gas at XXXX XXXX XXXX XXXX {$24.00} ), buy something at XXXX for {$410.00} and XXXX XXXX for {$880.00}. I filed the police report and filed fraud claim with the Bank as soon as I was notified about the charges. My mistake was that I thought she did not take an actual card, I still had it. So when the bank asked me if I have card on me, I said yes. I later realized that she stole my husband 's card, who is an authorized user on my account ( I had his card in my wallet to later give it to him, and forgot about it ). I contacted the bank of america on at least 5 occasions, explaining the situation to them. Every time they give me 45 days to respond, and eventually decline my claim every time. I don't know what else to do. I did not make those charges.
Product: Credit card or prepaid card

I will fax the relevant data separately as I need to include a copy of the advertisement
Product: Credit card or prepaid card

Someone used my identity and information to open up a XXXX XXXX  credit card which they used one of my debit cards for the program fee.which was XXXX $ charge on m debit and they ran the credit card to the max XXXX and it still opened I spoke to that bank and told them what happened.also my new bank account where I get my unemployment alot of transactions actions where made that I didn't make that add up to {$1900.00}. I also been seeing multiple credit inquiries the inquiries that I did not make I tried applying for a credit card that I definitely qualify for qualify for and it won't approve me when I got a good credit. I noticed this All Star that happened when one of my phones were lost or possibly stolen And it had all my accounts and information such as ID social etc.
Product: Debt collection

XXXX XXXX XXXX is trying to collect a debt for Binance that they claim I owe. However, I have never signed any sort of credit agreement or lending agreement with Binance, nor have I ever conducted any monetary transaction with Binance. Binance is stealing money from me and now XXXX XXXX XXXX is trying on Binance 's behalf to take money from me that I never owed to Binance in the first place. XXXX XXXX XXXX has been unable to produce any evidence showing that I have authorized Binance to lend me money nor have they given me any proof that this alleged debt is mine. I have disputed this with all of the credit bureaus multiple times and they have not shown me any proof. This false payment owed is now on my credit report and is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account does not belong to me Ive been a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Act # XXXX, Midland Credit Act # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, You have no permission to furnish any information on my credit report in the first place. If you do not have a contract with my wet signature, please DELETE this account. See attached proof. 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is correct.
Product: Money transfer, virtual currency, or money service

I had a Paypal claim filed against me that was related to an XXXX  transactionfrom 4 months ago. We have a high degree of suspicion that this is a fraudulent claim. Rather than resolve this issue with the facts, PayPal deducted the full amount from my XXXX account and told me they had resolved the issue in the fraudsters favor. I foolishly thought that the dispute was still under investigation. With the PayPal system, I have zero ability to stop this transfer ( XXXX was singularly unhelpful- after 35 years with the same bank ) and XXXX simply does whatever PayPal wants. This is an unholy alliance of too big to fail financial institutions that take advantage of the consumer. Please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Citibank shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from CitiBank for the aforementioned account. Soon after, Citi lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with CitiBank collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that Citi would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was XXXX after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, Citibank was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by Citibank further harming my credit status.
Product: Debt collection

Calls daily from various phone numbers and locations ( based on area codes showing )
Product: Credit reporting, credit repair services, or other personal consumer reports

i dispute over the phone with TransUnion on XX/XX/XXXX, on XX/XX/XXXX i call transunion at XXXX they had me in the phone for more then one hour giving me the run around, i spoke to XXXX   the XXXX asking them for Results on my Dispute, why not i received a new results by mail and i also ask for method verification and they told me that they do not do investigate any account for Inaccurate information on multiple account ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account XXXX XXXX ), XXXX XXXX XXXX, Account XXXX XXXX ) also i had a public Notary Double check every account and sign that what I'm stating is correct on my end and that TransUnion is not properly doing that correct investigation.TransUnion said that the account was verified and updated when i received results stating that these items have been verified when i can clearly see inaccuracies littered all over the place on my credit report! how were these items verified? I am sending proof that you are reporting accounts wrong and they clearly need to be DELETED I also need to see whatever PROOF you have that these were even investigated and that, They were subsequently verified. I also would like a new credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023, Upgrade XXXX disabled the auto pay set up to fund my account. Which caused the account to become late by 67 days until I discovered and reported the issue. Realizing what this could potentially mean to my credit file, I immediately made a payment totaling {$190.00} the outstanding balance. 
A few days after making this payment, on the XXXX, and XXXX of XX/XX/2023, Upgrade reported the account to the credit bureaus as delinquent. Causing my credit score to tumble by as much as XXXX points and reducing my credit rating from good to fair. I contacted the Upgrade Team about the recent development, explaining in detail what caused the lateness. Upgrade declined to remove the information from my report. 
I filled a dispute with the credit bureaus. A few days later, Upgrade updated my account as current and up to date, immediately improving my credit score. But this action was short lived. Upgrade a few days afterwards reported my account again as delinquent. As of filing this complaint, I have initiated no less than 5 disputes with the credit bureau to get Upgrade to report the current status of my account with no success. 
As of today, Upgrade has neither removed the past delinquency nor reported the account as current with the credit bureaus. On another credit report company ( XXXX XXXX ), Upgrade in XX/XX/2023, reported my account as {$11000.00} due, {$10000.00} more than the actual balance I owe on the account. This despite me not entering into or receiving any new credit facilities from Upgrade. Causing further damage to my credit.
Product: Debt collection

I was contacted by AlliedInterstate about an unpaid bill. The total amount due was {$220.00}. AlliedInterstate offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from AlliedInterstate stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, Allied Interstate did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX is reporting it now, and another named XXXX XXXX also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.
Product: Credit reporting or other personal consumer reports

I asked how did you verify this information of these accounts if nothing was changed I did not get any answer in the mail I did not get anything from them I sent them certified letters got no response
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX and XXXX have repeatedly removed the XXXXXXXX XXXX  CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I moved out of these apartments with a XXXX balance and after turning in the keys doing my walk through it was determined I owe nothing my deposit would be kept because I moved in on a special and did not pay a full deposit just for normal cleaning fees. Now It saying I owe XXXX and I don't. I am not paying these people for a debt I do not owe and it is making it so me and my family can not move the debt is with National credit Systems inc. for the XXXX XXXX XXXX  XX/XX/2016 They account number is XXXX the phone number is XXXX.
Product: Mortgage

On XXXX XXXX I was notified by the lender that I did not qualify for the purchase of my home, and need a co-signer. After speaking with family friends, they decided they were not comfortable with moving forward. And as a result the loan was denied. I have requested a copy of denial letter from lender, and have had no response. I have also requested my Earnest Deposit money be given back to me in the amount of XXXX. The builder is now stating that they do not have to give any monies back and that they are only willing to give me half of monies. However, they are no longer responding to myself or my Relator to discuss this concern. 

I believe that they violated regulation B with regard to providing me with the application update within 30 days of this process. The builder and lender are causing delays resulting in me and my children being homeless. The stress, uncertainty, and unpredictably of this loan process, left myself and children completely traumatized. This experience has been a complete nightmare causing extreme XXXX and distress. Not to mention that the Earnest Deposit is my hard earn money that I have saved as a single mother. I would assistance in resolving this urgent matter. 

Thank You Kindly, XXXX XXXX
Product: Debt collection

I was never served any papers to defend myself in a court of law. I had no idea. Put a junction on me anyways. Garnished all of my bank accounts. Set up a payment plan to take out of the same account they garnished. Didnt know my payment never came out, got a letter dated a day before my payment was even due which doesnt make sense. Lied and said they attempted to call me and left messages on my phone. My phone has voicemails dating back to XXXX of last year and none from them. Said my payment is XXXX weeks late and are going to garnish me again! I still made my payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXUPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED XXXX XXXX XXXX XXXXUPDATED XXXX XXXX-UPDATED XXXX XXXX XXXX XXXXUPDATED XXXX XXXX XXXXUPDATED This is not telling me how we're these account verified .

So once again I'm requesting method of veification for the accounts above, not an update but verification.

I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,
Product: Credit reporting or other personal consumer reports

I applied for a credit card through XXXX  XXXX. I had a score of XXXX on equifax. I received one hard inquiry and my score dropped XXXX points to XXXX.