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

Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, submit this complaint against Navy Federal Credit Union and its indenture Trustee, XXXX XXXX XXXX, XXXX, dated XX/XX/2023. The complaint includes, but is not limited to, allegations of unfair or deceptive trade practices, filing false insurance claims, deprivation of rights acting under color of law, and the unwarranted closure of my account ending in XXXX, claiming an " overdraft '' of {$54.00} without providing any proof of claim. 

Notably, within three days of this alleged overdraft, Navy Federal Credit Union filed an insurance claim with the XXXX XXXX XXXX XXXX ( XXXX ) and received proceeds for the maximum amount. Despite this, the financial institution is persistently attempting to collect the same proceeds it received from the XXXX insurance claim. Moreover, they have failed to cease and desist these collection efforts even after receiving notice to do so, constituting unfair or deceptive trade practices. 

I bring this matter to the attention of the CFPB and request a thorough investigation into the actions of Navy Federal Credit Union and its indenture Trustee. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/2XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I received in the mail, a XXXX prepaid XXXX in my name that I didn't order or apply for. When I tried calling to speak to a person I was unable to do so without entering my social security number and I wasn't going to do that because I didn't order the card. I just want to make sure there's no fraudulent activity going on in my name
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

I have attached my updated report and XXXX for verification. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

Summer class in XX/XX/2015 in the amount of XXXX Dollars. 
I am now asking for this account to be put back on my credit report. Due to speaking with my credit lawyer and also all 3 credit bureaus this will be best, because putting it back on my credit report forces them to send proof of this account which I know they can't. And upon checking all my XX/XX/XXXX email, there was never an email sent to Ms. XXXX XXXX. 

I have asked XXXXXX/XX/XXXX over and over again, to send me proof that I asked Ms. XXXX XXXX that I asked her to leave me in her class, Which they claim they did speak with her. However, MsXXXX XXXX never gave out her personal phone number and all you could do was reach her through email. So I asked for proof about that and they never responded. Instead they sent my account to collections, and the collection agency couldn't verify anything so I guess they and XXXX decided to take it off my credit report but still hold it in the collect agency file. I know I never asked Ms. XXXX XXXX to keep me in the class, because I had just lost my father. I had even dropped myXX/XX/2015spring class also because he became ill. This is stopping me from finishing up school.
Product: Credit reporting, credit repair services, or other personal consumer reports

When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as misc or bank credit. 

XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After resolution from XXXX legal counsel, they decided to send this debt to another collections agency. Here is the previous resolved complaint : " I received an email ( XX/XX/XXXX, XXXX XXXX XXXXXXXX ) informing me that my XXXX XXXX XXXX dropped to XXXX, due to a " collections balance '' from " XXXX '' ( no idea who this is, and I've NEVER received contact from them by phone, email, mail, etc. ) of {$530.00}. Listed is the original creditor " XXXX XXXX XXXX '', I believe an ambulance company that transported me ( and apparently billed me ) over 4 years ago. This debt is illegitimate, as I was transported against my will, and forced to sign a document while lacking the required capacity to enter into a legally-binding contract. Whether or not it's viewed as legally valid debt, I don't believe NO contact, and opening a debt collections account by dropping a XXXX on my credit makes any real legal sense. I wasn't notified of my ability to dispute, I just now received their contact information BECAUSE I LOOKED IT UP... I have no desire to give up my information just to simply be harassed, as these business reviews suggest. '' This is beyond ridiculous, and I have no problem taking this to litigation. Take the {$500.00} and shove it up your ***
Product: Mortgage

On or around XX/XX/XXXX, Select Portfolio Servicing submitted to us the results of the annual escrow analysis report. 
The report indicated that there was an escrow shortage of {$1600.00}, on page two section C, of the report. The report also provides instructions on how to pay off any escrow shortage, if one is inclined too. 

Pursuant to the instructions provided by Select Portfolio Servicing, we submitted a payment of {$1600.00} on XXXX XXXX and called Select Portfolio Servicing to inform them that the escrow shortage is being paid for in full. Please review the attached proof of payment for the escrow shortage. 

During our conversation with Select Portfolio Servicing representatives, we were told that our monthly payment would be adjusted to reflect that the escrow shortage had been satisfied. 

However, as of today XX/XX/XXXX, our monthly payments have not been adjusted. In a letter from Select Portfolio Servicing dated XX/XX/XXXX, we were informed that our monthly payment was being held in an unapplied account and that our mortgage was delinquent. This XX/XX/XXXX letter also threatens to submit derogatory and incorrect information to the credit bureau. 

In a XXXX XXXX letter Select Portfolio Servicing, erroneously claims that our XXXX mortgage payment was not paid. Select Portfolio Servicing, also states that a {$25.00} late charge has been assessed to our mortgage account. 

It should be understood that all of Select Portfolio Servicing claims are bogus. Please find the attached proof of payment for the following : 1. Escrow Shortage {$1600.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 2. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 3. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX 4. XXXX mortgage payments {$1000.00} received by SPS XX/XX/XXXX processed XX/XX/XXXX We demand that Select Portfolio Servicing apply the Escrow Shortage payment correctly. Then apply our XXXX, XXXX and XXXX mortgage payments correctly. All late charges and fees must be reversed. Finally, any and all derogatory or incorrect information sent to the credit bureau must be removed. 

Thank you, XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines BLOOMINGDALE I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Checking or savings account

I had my debit card fraud charge and I try contacting my Wells Fargo for refund of {$140.00} withdrawals which I never made I need refund from the bank.
Product: Credit reporting or other personal consumer reports

I am having major issues with finding inaccurate/ invalidated item after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the National Public data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : 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: Mortgage

Greentree ( now Ditech ) says they are not responsible for paying my home 's flood insurance policy, although it 's always been set up as a mortgagee-pay for that. Complicating the matter is my mortgage loan was transferred from XXXX to XXXX, who transferred it in XXXX 2015 to Greentree ( nka Ditech ). Prior to XXXX 2015, XXXX and XXXX made the annual flood policy payments. However, Greentree/ditech says the loan they rec 'd from XXXX does n't make them responsible for paying the flood policy.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report 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

I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXX Affirm ; that my Given Birth Name is XXXX ; XXXX XXXX I was Born on XX/XX/, My Mailing Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm ; That any other Person Identity Information that reflects Different than the above mentioned Affirmed Facts are inaccurate, I Demand all Inaccurate Person Information to be immediately updated to the accurate information. Included you will Discover XXXX XXXX XXXX XXXX ; Certified Birth Certificate which will Further Affirm my Giving Name, My Birthdate and Correct Age As this Inaccurate Information has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S.C 1681 1. I have Presented Proof of address ; proof of Identity ; Certified Copies of my Birth Certificate ; a Copy of my Driver License & a copy of my Tax Return showing proof of my Social Security # ; Affirming my Giving Name, My Correct Birthdate and Correct Age & XXXX. Affidavit of Truth 3. I have presented proof of Inaccurate information thats on my consumer file In accordance with 15 U.S.C 1681 & the Fair Credit Reporting act XXXX has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit inquiry to my account without any open accounts or any applications to my name initiated by me for credit by capital one bank. 
Made within past 6 mo. 2021 ( might have been XXXX, I cant remember ). Hard inquiry impacting my credit score.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my consent, and it's taken a toll on my credit score. I contacted TransUnion, and while a representative assured me these fraudulent inquiries would be removed, they are still showing up. This situation is causing me significant XXXX XXXX XXXX, as it makes me fear I could be a victim of identity theft. Not only is my credit score suffering, but its also affecting my ability to secure loans or financial products, making it harder to manage my finances and adding unnecessary strain to my daily life.
Product: Credit reporting or other personal consumer reports

# # # Record of Interactions with TransUnion - XX/XX/XXXX2024 ( All times are XXXX XXXX XXXX, all calls were made from phone number associated with financial accounts ) XXXX. XXXX AM - Outgoing Call to TransUnion XXXX XXXX ) ** - Duration : XXXX minutes XXXX seconds - Actions : Provided social security number, address number, and zip code. 
- Outcome : Call was disconnected. 
XXXX. XXXX AM - Outgoing Call to TransUnion XXXX XXXX ) ** - Duration : XXXX seconds - Actions : Provided zip code. 
- Outcome : Call was disconnected. 
XXXX. XXXX XXXX - Outgoing Call to TransUnion XXXX XXXX XXXX** - Duration : XXXX minutes XXXX seconds - Actions : Provided personal information. 
- Outcome : Automated recording instructed to visit the website, then call was disconnected. 
XXXX. XXXX XXXX - Attempted Online Account Recovery via TransUnion XXXX - Actions : - Provided social security number and email associated with TransUnion account ( last used in XXXX ). 
- Result : Received an error message. 
- Retried using phone number, but encountered another error. 
- Followed a link on the TransUnion site that directed to a defunct XXXX XXXX XXXX XXXX. 
- Discovered another consumer affected by similar issues : [ XXXX  : XXXX ] ( XXXX : XXXX ). 
- XXXX XXXX @ TransUnion on XXXX ; received automated replies directing to the TransUnion social media contact form. 
XXXX. XXXX XXXX - Submitted XXXX XXXX XXXX XXXX via TransUnion XXXX - Actions : Filled out the [ form ] ( XXXX XXXX XXXX XXXX ) and later replied to the automated bot from @ TransUnion on XXXX. 
XXXX. XXXX XXXX - Attempted to Create a New TransUnion Account via XXXX - Actions : - Attempted to create a new account. 
- Result : Received an error message stating that an account already existed. 
XXXX. XXXX AM - Attempted to Recover TransUnion Account Using Advanced Recovery Options** - Actions : - Provided additional information including social security number. 
- Result : Received an error message.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 XXXXXXXX XXXX
Product: Credit card

I am having issues I paid my credit card account two accounts. The other too I was late, so they shut off access to the cards I paid.
Product: Credit reporting or other personal consumer reports

in XXXX of 2022, we asked for payment options since we were affected by XXXX XXXX and we needed to skip a payment or XXXX on our mortgage. The representative we spoke to said we can do a forbearance for 3 months and that it would be tacked at the end of our loan. All we had to do was call back in XXXX months and start the payments again. When we called back, they told us that we had to pay the entire XXXX months up front to make the account up to date. This made XXXX sense because we wouldn't have gone into forbearance in the first place if we knew this information. We tried multiple times to get the proper paperwork in to fix this, but we kept getting it pushed back to missing information. We spoke with another Loss Mitigation XXXX and she said we can split the owed amount into a payment plan throughout the year. We said great! What she failed to tell us is that we would be reported as " late '' on our credit report EVERY XXXX  MONTH until it was paid off. So we still made our mortgage payment with the extra amount from the forbearance and it was considered " Late ''? This didn't make sense and completely unfair if we are still making our mortgage payments ON TIME. I asked for my recordings from the time of the XXXX forbearance to hear what the first representative had told us and they responded that they legally do not have to provide those. Myself and many others are speaking to a lawyer who have had the same issues with this lender. My husband and I had a credit score in the high XXXX and now it is in XXXX due to this misleading information from this company. I can not provide any recordings as proof since everything was done over the phone.
Product: Credit card

My wife went to the airport today to use the XXXX XXXX citi card to check her bags in and the card declined. We logged in and it says our account is closed. No warning no explanation no letters generated. What is going on? This seems to be a form of discrimination and I do not like this treatment
Product: Checking or savings account

I signed up for a Capital One 360 Money Market account on XX/XX/XXXX with the " XXXX '' promo code welcome bonus offer, which gave a {$200.00} bonus upon deposit of {$10000.00} into the savings account. 
There were a few problems with setting up my external bank account, which took a few days to resolve, and then I was able to transfer the money by XXXX XXXX, XXXX. 
They promised that the bonus money would arrive within 3-4 weeks, and that there was no minimum deposit length requirement. 
However, the bonus still has n't arrived in my bank account, even though I entered the promo code, was targeted, and should have received the bonus by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX