23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly ( 120 ) days late on the FXXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due and the property has been sold and this account has been settled. I have attached pages 3 and 4 of the court ordered settlement ( Divorce Decree ) which clearly shows that this property no longer belongs to me. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Checking or savings account

I opened an account with HSBC direct savings on or around XX/XX/2019. Application id # XXXX. I was told that additional verification was needed to determine my residential address. I was asked to submit a utility bill for verification of residential address. I submitted a copy of my electricity bill on XX/XX/2019 via email. When they got the bill they started making excuses that the bill was not right. Now they started questioning the balance on the bill but it was not anymore about showing " residential proof ''. I was told that because my bill had a balance that my application for a savings was being denied. I was surprised and confused at first. I did not know that because of my balance I could be denied and I was never told that a bill without a balance was needed. I mean who has utility bills pending and there is no balance or pending payment coming up? Is ridiculous. I am convinced that this bank HSBC found an excuse to deny my application without justification for the sole purpose of " DISCRIMINATION ''. I don't believe this bank and I think they are using racial profiling to discriminate about certain individuals based on race. I will provide a copy of my bill and there is nothing wrong with my utility bill except a balance coming up by the end of XXXX. After talking to XXXX over the phone on XX/XX/2019 at XXXX I was told that my application was being denied because there was a balance on my account and also a late payment fee on my bill. About 10 minutes later I got an email saying that my application was being denied because " they were not able to verify the address of the applicant ''. Just to cover themselves they sent this email explaining other reason for the denial. This whole process smells fishy to me and I don't trust this bank and I know they are not following proper rules but discriminating against XXXX applicants. Is just not a sufficient reason to deny my application because there was a balance. There is got to be a more serious reason and they don't have one to explain. In conclusion HSBC Direct Savings is a discriminatory branch against XXXX is my conclusion with no basis for denying my application. Is ok if they don't want my money but they have to have a valid reason and they don't have one. I have provided copies of correspondence on this complaint for evidence purpose.
Product: Checking or savings account

I'be been with Navy Federal since 2015. There was a credit card balance that is over 7 yrs. and the credit bureaus stated to me that this collection or revolving account is now closed. But everytime i put some money in the account they garnish it. Can you help me please!
Product: Checking or savings account

I had a PNC checking account ( ending in XXXX ) when I was in college and closed the account over 10 years ago. However, I recently received a notice that this closed account was going to be upgraded to a Standard Account and I would be charged a monthly maintenance fee of {$7.00}. As directed in the attached letter, on XX/XX/2019, I called PNC and asked PNC to either 1 ) confirm that the account was closed and the letter and potential fees do not apply or 2 ) if somehow my account was re-opened, close this account. The customer service center refused to provide either of the above solutions. 

I have a FICO credit score over XXXX that I have worked for years to build and am very concerned with PNC 's approach here. They seem to make it near impossible to close accounts if somehow this account is still open 10 years after I closed it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account XXXX Account XXXX  Account # XXXX Account XXXX  Account # XXXX Account XXXX  Account # XXXX Account XXXX XXXX  Account # XXXX Accout XXXX XXXX XXXX  Account # XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX Account XXXX XXXXXXXX Account # XXXX Account XXXXXXXX  account # XXXX Account XXXX XXXX Account # XXXX 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 an account without my written instructions 15 U.S.C 1681C ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/2023, I deposited a check for {$300.00} into my USAA account via the mobile app. It stated when I did the deposit that the check was going to be placed on hold. None of the funds were made available. I contacted a representative about the check hold later on in the day of the XXXX. She stated that the deposit had to be at least XXXX hours before and to contact them again the next day about getting the hold released or partially released. 

So on the XXXX I contacted USAA. Was told by the representative that the check was placed on an exception hold and that they wouldn't release any of the funds due to charge off accounts with the bank. I have previous employment history with banking operations and I informed her that XXXX XXXX from my understanding stated that an exception hold can only be used if the account has been repeatedly overdrawn ( which mine hasn't ), it's a new account ( which mine isn't ) or I have had other items previously return on my account ( again hasn't happened. ) She then told me that they can hold checks because of old charge off accounts and she has seen them do it since she began working there. However when I inquired about the supposed charge off accounts, she stated she couldn't give me any information and that I had to call another department. 

Then on the XXXX, I noticed the check I deposited had actually cleared my other bank, so I reached out to a representative again. I inquired about if the funds could be released since the other account showed the check already paid. And if I could send proof of that, could they release the hold. The gentleman told me that the funds weren't going to be released and that my check was put on hold due to previous charge off accounts. He told me the last XXXX of the account numbers but couldn't give me any more information. 

I looked up the banking disclosures for USAA. It states the reasons why they can place exception holds on checks. None of which apply to me. So they didn't abide by the XXXX XXXX policy and withheld funds from me that should have been made available. Even if part of the deposit was made available, I wouldn't have an issue. Not only have they failed at treating me like a customer that matters but they have also gone against a federal mandated regulation. If they can say they are using previous accounts as the reason for the exception hold then that needs to be stated in their disclosures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland credit Managment account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Request Alleged Debt Dear Midland Credit Managment , I, XXXX XXXX , am requesting that you cease all communication with me regarding the alleged debt, pursuant to theFair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Under this law, you must stop contacting me except to confirm the cessation of collection efforts or to notify me of legal action. 
I also remind you of your obligations under15 U.S.C. 1692to avoid any unfair, deceptive, or abusive practices. Failure to comply with this request may result in complaints to theConsumer Financial Protection Bureau ( CFPB ) or legal action. 
As of the date of this letter : 1. I do not acknowledge the validity of the alleged debt. 
2. You are instructed to stop all communication with me immediately. ( that includes credit reporting ) The only communications I will accept moving forward are : Written confirmation that you have ceased collection efforts. 
Notification of any legal actions you intend to take. 
Please confirm receipt of this letter and compliance within15 business days to avoid pre abirritation. 
Sincerely, XXXX XXXX
Product: Debt collection

All I've ever gotten from this company is a collection letter in XXXX and phone calls! I have demanded they stop calling me, and they haven't! I've written them many times demanding validation which I haven't received, and I am Furious! They violated so many federal laws with this account it hurts! PLEASE GET ME THE JUSTICE I DESERVE AND REMOVE THIS ACCOUNT!
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 accounts : 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 XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX D XXXX Incorrect XXXX - XX/XX/XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURANT XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or delete
d from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home was destroyed in a fire on XX/XX/2021. My insurance company issued a check for the policy maximum within a week and I had to send it to my mortgage company. It took more than 6 weeks to get them to issue the first check, I had to go as far as to reach out to the Virginia attorney general to get them to release some money. 

Now they are holding the final 1/3 of the money, the house is not finished because I dont have money to pay to get the crew to work again, and I cant get a certificate to occupy the home because its incomplete. My insurance company will only pay my rent for a short time longer, at which point Im either homeless or I have to pay out of pocket to find a different place to live. 

The mortgage lender is PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CBE Group is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt. I called and immediately settled the debt because I no longer wished for this to report on my credit. I was told this would be deleted from my credit immediately after and it would take 30 days for the bureaus to reflect that. However, when I went in after, I noticed that this debt was still reporting. I am aware that CBE Group is able to provide me with a letter stating what they said they would be doing. Also, this is a HIPPA violation. I never signed a HIPPA patient release form allowing CBE to report this confidential information on my credit. It must be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX CONTRACT CALLERS INC. 
XXXX, XXXX XXXX ( XXXX ) XXXX Debt. Validation request - account number XXXX Dear Contract Callers Inc, I am writing to request validations debt you are attempting to collect from me. I received a notice from your agency stating that i owe XXXX on account XXXX. 
Pursuant to the Fair Debt Collection 1692g, I am requesting that you provide me with the following information to validate this debt : XXXX. The amount of this debt XXXX. The name and address of the original creditor ; XXXX. The date of the last payment ; XXXX. The date of the default ; XXXX. A copy of the original contract or agreement ; XXXX. A detailed accounting of all the fees and interest added to the debt ; XXXX. Proof that the statue of limitations has not expired.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Experian, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon further review it has come to my attention that I have been victimized by identity theft and there are currently XXXX fraudulent accounts and XXXX UNAUTHORIZED INQUIRIES XXXXXXXX XXXX on XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX ran it twice on two separate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.
Product: Debt collection

Attn : XXXX XXXX, XXXX XXXX and XXXX Please see attached supporting documents. National credit systems INC has falsely accused me of debt that does not belong to me. An application of a lease does not legally bind one responsible for debt unless a legal lease was issued and signed between lesser and lessee. 
XXXX properties can not produce an official copy alleged lease because XXXX properties never legally issued a lease agreement in my name. 
Falsely stating there is a judgment against me is a complete lie. If the judgment was issued for my alleged lease the Lessor would have contacted me year and a half ago. It will also be reported to the credit bureaus. 
This company purchased my old records to use Poor unregulated tactics to have me given in to their fraudulent debt. This company has over XXXX complaints on Better Business Bureau with additional XXXX complaints within the last 12 months, and terrible reviews on XXXX. 
The only person I will allow legal communication with is XXXX XXXX, XXXX XXXX the department managers and XXXX the department supervisor to notify me via phone or by mail to let me know the collection account has been removed from both credit bureaus. 

This error has affected my financial health tremendously. I have an active investigating with the credit bureaus and also with my local police department. 
XXXX XXXX from XXXX XXXX XXXX does not have the legal right to contact me via phone, email or by mail after receiving this notice. 

If National credit systems INC does not remove their collection error off Equifax within 30 days from receiving this letter. My attorney will then being the legal process to rightful sue this company for fraud, defamation, legal fees and emotional stress. 


Thank you, R L
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX account XXXX # XXXX ) on my credit reports with XXXX, XXXX XXXX and TransUnion. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into these issues. 

Inaccuracies Identified XXXX. High Credit : XXXX and TransUnion : {$XXXX} XXXX : {$XXXX} XXXX Credit XXXX XXXX XXXX and TransUnion XXXX {$XXXX} XXXX XXXX {$XXXX} XXXX. Last Reported Date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payment Status : XXXX : Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 
XXXX : Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 
TransUnion : Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). Was XXXX  Days Late XXXX Time ( XXXX ). 

The discrepancies in high credit, credit limit, date last active, and late payment status among the credit bureaus indicate significant inaccuracies. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Company is reporting a collection that i had dealing with and transunion is reporting it despite my disputing this account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. Please help remove immediately, i served in 2 wars for this country the least ya can do is make sure my accounts are being messed with adversely. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi This is my second complain against the company first issue never resolved. i spent hours with the companies to remove the hard inquiry which is due to fraud. My info was taken from XXXX  illegaly. XXXX and XXXX corrected fraud reports immediately but Transunion have not done anything. My credit score dropped because 3 different companies inquired my report without my authorization. Which I called TransUnion to remove. I explained to them that I spent hours talking and writing to those companies without result. I got punished for FRAUD? Wow what a company who just there to do nothing if customer not paying. My credit score is down because of that.

Note my complain stay until company not taking the time to correct and possible will file suit ....
Product: Credit card or prepaid card

I haven't had a new purchase in XXXX months. On XX/XX/2022, I received a statement that I ower {$180.00} on a balance of {$0.00}. I called customer service and they agreed to retract the balance. On XX/XX/2022, I received another statement that I owed a balance of {$370.00}. I am incredibly frustrated with Bread Financial. This is the second claim I've opened with CFPB and I hope that the Bureau opens a serious investigation into this financial organization.