23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My checking account was garnished by a third party for a judgment debt. The bank charged my account {$110.00}, then charged me {$74.00} more because it paid off XXXX of my charges that did not go through for the very reason that the bank had frozen MY funds and then also assessed that garnishment charge ( which I never was made aware of or agreed to at any time ). Pursuant to Minnesota garnishment law I mailed the bank my signed notice of exemption form proving that all of the funds in the account came from sources ( social security and pensions ) exempt by state and federal law from garnishment, along with 60 days of bank statements. More than six business days have expired. The judgment creditor did not send or serve any objection to my notice of exemption to me or the bank. Minnesota XXXX XXXX XXXX ( 2015 ) ( the garnishment law ) expressly states " All money claimed to be exempt shall be released to the debtor upon the expiration of six business days after the date postmarked on the envelope containing the executed exemption notice mailed to the financial institution, or the date of personal delivery of the executed exemption notice to the financial institution, unless within that time the creditor interposes an objection to the exemption. '' All of the preconditions to releasing my frozen funds have occurred, yet the bank refuses to release MY money. I called TCF twice, and spoke with a " supervisor '' XXXX times. They refused to connect me to any XXXX higher up, or to the bank 's garnishment department, or to the bank 's legal department. Even though I read the Minnesota statute to them out loud, the both said they would not release MY MONEY without a court order. They XXXX told me there was no one else at the bank they would allow me to talk to, and that there was nothing more I could do except deliver the the bank a court order. I complained in person to my local branch office. The person there told me that the bank had already paid my exempt funds to the garnisher, and I would have to get my money from them!! The bank has completely ignored its statutory and fiduciary duties to me by ripping my exempt money from my account and giving it to a creditor, and added insult by charging me almost {$200.00} for the favor of their victimization. I have proof that the bank timely received my exemption form at the address they provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX and XXXX request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous request, the XXXX credit bureaus still failed to fixed this issue. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and help me delete it all right away : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX : {$900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; 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 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 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 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
Product: Debt collection

Community Is in violation of 15 usc 1692e. ( 11 ) and 1692g.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to report a case of identity theft involving Navy Federal Credit Union. Recently, I discovered that my identity was stolen and provided to a repossession company by Navy Federal Credit Union. This action has caused significant distress and financial harm to me.

I believe that Navy Federal Credit Union has fa
iled to adequately protect my personal information, leading to the unauthorized disclosure of my identity to a third party. This constitutes a serious breach of trust and a violation of my privacy rights. 15 U.S. CODE 6802 I urge the CFPB to investigate this matter thoroughly and take appropriate action against Navy Federal Credit Union for their role in this identity theft incident. I am seeking assistance in rectifying the damages caused by this breach and ensuring that my personal information is secure in the future.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Car purchases through XXXX financing company Bridgecrest. 

Interest rate is 24 %. Monthly payment is {$1000.00}. Due to high interest rate only something like XXXX XXXXXXXX {$300.00} goes to the actual balance. I have made 16 payments of {$1000.00} and the principal balance is still $ XXXX. 

This loan is essentially imposssible to pay off. I have tried to refinance and due to XXXX I have been turned down multiple time. 

I have never missed a payment but struggle to make it every month.
Product: Debt collection

Capital One closed my account on XX/XX/XXXX. My last payment to Capital One on that debt was XX/XX/XXXX. My credit report shows that XXXX XXXX of my payments made to that card were on time. This is the only instance of Capital One showing on my credit report with a closed account. 

XXXX XXXX XXXX, XXXX opened an account citing XXXX Capital One Bank USA N.A. As the original creditor on XX/XX/XXXX with a debt owed of {$1100.00}. I disputed this debt through a third party ( XXXX XXXX ) and requested validation of the debt. No additional contact was made and my report now just shows dispute resolution : customer disagrees. 

A ) I have no history reporting of a Capital One closed account for this amount, nor do I recall incurring that debt. 

B ) The age of the only reporting Capital One closed account ( which does say XXXX XXXX of payments made on time ) is in excess of XXXX years and should not be adversely impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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, credit repair services, or other personal consumer reports

I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for XXXX XXXX. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today X/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under XXXX and then they need to report to the 3 bureaus. XXXX, XXXX, Equifax. please help me on this. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT get into my XXXX account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, Equifax, & XXXX  ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, Equifax, & XXXX  XXXX are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.
Product: Checking or savings account

In XXXX, I made excess contributions to my XXXX account at XXXX. Early in XXXX prior to the tax return due date for XXXX, I requested a withdrawal of the excess contributions made in the XXXX tax year ; this was processed on XX/XX/XXXX. The form they provided for requesting this return had no way to indicate which tax year the withdrawal was for, and they attributed this withdrawal to the XXXX tax year instead. I mailed this form prior to making any contributions for the XXXX tax year ( with the exception of some contributions incorrectly applied to the XXXX tax year which were subsequently reversed ). 

Upon contacting them today ( XX/XX/XXXX ) immediately upon receiving my tax forms from them, they indicated that XXXX excess contribution withdrawals are always applied to the current tax year, which is incorrect, and refused to correct the tax year for this entry. This resulted in my tax liability increasing by {$7.00}. 

Please see attached : XXXX. 2021 year tax forms from XXXX. Note that a line item is available for " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '', but the withdrawal is incorrectly categorized under " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '' XXXX. Statement listing excess contribution withdrawal, with no indication as to which tax year it was applied to XXXX. Excess contribution removal request form, with no way to indicate the tax year it applies to
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed via certified mail an identity theft report with a hand written letter, a copy of my drivers license and social security number as well as the fraudulent accounts highlighted on my credit report to Equifax ( received XX/XX/XXXX ) and XXXX ( received XX/XX/XXXX ). Both companies have refused to remove the hard inquiries that occurred during the incident of identity theft as well as the XXXX loan accounts. They have closed out the dispute without removing all information associated with the identity theft. I have called to follow up with Equifax on XX/XX/XXXX and was told I needed to file an additional FTC report to get the hard inquiries removed. I followed up with XXXX on XX/XX/XXXX and was told that they can not remove the hard inquiries and that I have to take it up with the credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and Experian is reporting incorrect info on my report that does not belong to me. This account belongs to a family member with the same name that lives at a different address. The following account does not belong to me and needs to be removed immediately : XXXX XXXX XXXX
Product: Credit reporting

There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2021 I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was JP MORGAN CHASE BANK. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending in this message because there are incorrect addresses being reported on my credit report and I would like to have them removed as this is inaccurate information. Here is the incorrect information that needs to be removed. 

XXXX : ( Incorrect Address ) XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, MI XXXX Equifax : ( Incorrect Address ) ( Never lived at this address ) XXXX XXXX XXXX XXXX, XXXX, MI XXXX Please remove these inaccurate addresses from my credit reporting profile.
Product: Money transfer, virtual currency, or money service

I received a fraudulent job offer that resulted in checks being sent to me and asked complete wire transfers. Now the bank saying that the wire transfers cant be recalled and I owe the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Discover Bank Date : XX/XX/2018
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX XXXX SS # XXXX D.O.B : XX/XX/XXXX As of XXXX someone has been using my personal information listed above. I have not obtained any type of credit and there is several inquiries, delinquent accounts, and bills that I have not created or had. I am requesting that the information be removed or corrected. I also have bad check writing on my record that needs to corrected due to payment in full and resolved. Employment and background investigation has been successfully dismissed, time served, incarceration or sentenced to prison has been fully discharged and completed. If you have any questions feel free to contact me at the information provided.
Product: Payday loan, title loan, or personal loan

XX/XX/2016 due to an accident and getting my car after repairs. I borrowed XXXX from Mariner finance. In XX/XX/XXXX my marriage ended.I contacted mariner to try to make arrangements to pay smaller payments, all they would do is another loan. I didn't know what to do so I accepted the loan. After having problems paying contacted mariner. They were not willing to work with me, yelled, harrassed, threatened me. They would not accept money I tried to pay them. Now trying to take my unpaid for car.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 3RD DISPUTE TO  XXXX  AND EXPERIAN IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian listed my XXXX expenses as {$7500.00}, which is almost twice my net income. This is also completely false. I have been paying down debt aggressively. Although my debt to credit ratio DECREASED, Experian dropped my credit score by 26 points. When I called them to ask why, the customer service rep stated that it was because of my debt to credit ratio, completely ignoring the fact that that ratio had decreased. I asked why they are reporting my expenses so high and they were unable/ unwilling to answer. 

I believe they make these false claims to get you to purchase their ''membership '' so you can fix it. However, even doing that will not allow you to dispute their false information. Since this is not a creditor reporting an account, I have nothing to dispute, it's EXPERIAN that is providing the false information and refusing to correct it.