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

We operate a small business on the XXXX XXXX XXXX. A number of our employees do not have bank accounts and need to cash their payroll checks. We discovered that they were paying a substantial fee to cash paychecks at a local check cashing business. We advised them to cash their checks at the bank on which they were drawn. We were very surprised PNC charged them a {$10.00} fee per check. These fees amount to a significant percentage of an employee 's paycheck. It does n't seem fair an employee should have to work an hour just to cash their paycheck. The branch manager agreed to waive the fee for our employees given our relationship with the bank. However, I fear many other hardworking people are being subjected to similar predatory fees.
Product: Checking or savings account

This complaint is being submitted against First National Bank ( F.N.B ) This issue that I am bringing to your attention is related to my checking account CONSTANTLY being charged absurd amounts of Overdraft Fees, when I have a Direct deposit that comes in weekly. For example, on a Thursday we may have XXXX in our account and say an automatic w/d comes out for XXXX and my husband not knowing this swiped his debit card at the gas station that day as well for another XXXX. That would bring our account XXXX at that point.. You would think. However, FNB will charge us an overdraft fee for the XXXX & for the XXXX which is XXXX each. Now our account is overdrawn XXXX XXXX the XXXX in overdraft fees which then brings our account XXXX. THERE IS NO GRACE PERIOD. NONE. MY DIRECT DEPOSIT HITS EVERY FRIDAY AT XXXX. We should not be being charged over double what we actually spent. On my statement for XX/XX/year> it showed me that I was charged over XXXX dollars in overdraft fees last year. XXXX XXXX dollars of our hard earned money, taken from our family to benefit them. Its not right and I am through with it. If this can any way change the policy or even better get me my money back that would be amazing, most importantly though they need to stop ROBBING people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is ilegally reporting on my credit record, This collection is violating my privacy and the HIPPA Law. I would like for this collection to be removed from my credit record within 21 days. Thanks
Product: Mortgage

I have the same complaints others have written to the XXXX  regarding this company. I see no need to repeat as it appears to be a pattern of behavior with them. Approximately during the week of XXXX XX/XX/2022, XXXX XXXX ( VP ) came to our home and lied about the time it would take to apply and close on the loan. He stated approximately two weeks and it has been over a month since any progress has been made other than our having paid {$480.00} for an appraisal that they were quick to have completed. At this time, we still have not received a copy of the appraisal or a copy of our documents that were signed and completed during his visit. My husband has called numerous times and very seldom makes contact with anyone or just receives voicemail. When he does actually talk to the loan officer XXXX XXXX he continues to be given the run-around in having anything completed or sending over a copy of our appraisal. I've been told this is a ploy that is done by some loan officers in order to delay the completion of any refinancing with other companies as the only way we can move forward, would be to pay for another appraisal. This we will not do. If the matter is not settled quickly, we will be contacting our lawyer.
Product: Vehicle loan or lease

I have tried to find a solution with PenFed in regards to the auto loan as well as the credit card that I have with the Credit Union. Over the last 6 months I have corresponded with several of the penFed representatives by phone and e mail to result in a fair opportunity for resolving the matter of late un unpaid balances. Starting in XXXX I made many attempts to have the auto loan looked at a negotiated to terms in which were financing the remainder of my auto loan {$16000.00} ( the loan balance was {$30000.00} at beginning of financing 3 years ago ( XXXX ). I have paid over half the loan balance. On XX/XX/XXXX I have e mail from XXXX XXXX advising me that XXXX was able to take control of my loan and find a solution. On XX/XX/XXXX XXXX as advised NEVER corresponded with me regarding loan, nor have I been in conversation with XXXX at all. ( I have all e mail correspondences ) I have taken all extremes in resolving this matter with the Credit union to further my relationship with the bank. Requesting to finance the remaining balance of my auto loan to lower my payment which would then also allow me to stay current on the credit card. PenFed has now started reporting negative actively as well as HARD inquiries on my credit report which in turn has caused a negative impact to my credit score as well as late payments to my credit history. My credit score has now declined due to PenFeds activity and non willingness to work with the consumer to settle payments. The only negative activity on my Credit is PenFed and it is causing hardships now in other areas of my life. I would like to resolve this matter sooner than later with this Credit Union as I am in good standing with all other accounts and payment history and also would like to keep my automobile.
Product: Debt collection

I received notice in 2021 that I was in default for a XXXX credit card, I was told it was for a card I had in XXXX. The debt was settled thru a third party several years ago. I no longer have the supporting documentation because its been more than 7 years. Now, this collection agency insists I owe this money and I do not owe it. I find it ridiculous that after all of these years they are trying to get me to pay something that I no longer owe. I want this removed from my credit report.
Product: Credit card or prepaid card

My Chase account is locked today XX/XX/22 and I can not log on to view or pay my credit card bill. This is the second time I've had this issue. I've been on the phone with customer service for hours and have repeatedly been either hung up on or sent to the main customer service menu. I have spent hours on hold and being forwarded from department to department where each representative says they can't help and forwards me again. It's incredibly frustrating as I have been a good customer, always paid my bills on time, and now I'm being punished with terrible customer service and no help with my issue. I would like to close all my Chase accounts and end my relationship with them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXP Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my credit report and there are several inquires that do did not have my permission to be on my report. These hard inquires are hurting me from being approved. I have already reached out to XXXX, XXXX and Equifax multiple times they keep violating my rights In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account nameXXXX XXXX on XXXX credit Report is XXXX XX/XX/XXXX, On Equifax Credit Report there are XXXX hard inquires listed that need removed are XXXX XXXX  XX/XX/XXXX & XXXX XX/XX/XXXX XXXX On XXXX credit Report there are XXXX Hard Inquires listed XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX has violated my rights and these hard inquires need removed immediately. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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: Consumer Loan

On XXXX/XXXX/XXXX an arraignment to purchase a vehicle,XXXX Dodge Ram Quad Cab 4 WD Drive Hemi .Was constructed for XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX.Placed upon the lease agreement.An amount for a monthly payment expects a purchaser to forward payments.Recommends an agreement for a monetary settlement.Gives a consumer a right to drive this vehicle.Placed upon highways a legal condition for an operator to maintain an agreement.Was proof a vehicle could enter highways.Gives a right to transport cargos safey to other locations.Requires an arraignment satisfy the State. 
Having been advised to consider making payments to Chrysler Capital.To retain possession of a vehicle.A salesman objects to purchasing this vehicle.Give a consumer a right to own a vehicle.Require the effort of consumer financial protection bureau.To investigate a contract for any discrepances.To give a consumer relief from a financial ovligation to lease a vehicle for an increase in profits of Investors.Reason a considerable reduction would be possible for a consumer to buy a vehicle.P ; ase make sure company representation is willing to release a debt of a consumer.And obtain a financial agreement to purchase a vehicle, outright for an American Citizenship 's increase in his state of independence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX****Balance XXXX {$240.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$310.00}.
Product: Student loan

I have submitted requests to my server ( Aidvantage ) and to studentaid.gov asking why I do not qualify for loan forgiveness since my loans are over 20 years old. I have tried to get on an IDR payment plan, I have applied for SAVE. I have gotten no response from either my servicer ( Aidvantage ) or studentaid.gov. If I would have been told by my servicers ( there have been several ) about IDR payment plans I could have made payments all along, but the servicers always put me in deferment or forbearance. I also went through bankruptcy many years ago and was told I could not add my student loans.
Product: Debt collection

I am writing to request the reinsertion of accurate information to my credit report under the provisions of **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ** and **15 U.S.C. 1i ( a ) ( 6 ) ( B ) ** following the deletion or dispute of that information. I understand that these provisions protect my right to have information reinserted on my credit file if it was removed in error, particularly when a credit reporting agency has reason to believe that the information is inaccurate or incomplete. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I believe that the following items, which were previously disputed and subsequently removed from my credit report, should be reintegrated as they meet the criteria for accuracy, or were removed without sufficient basis. Here are the details of the information in question : Under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **, I request that the deleted information be reinserted to reflect its accurate status, as required by the law. The Fair Credit Reporting Act mandates that information which has been deleted in error or due to inaccurate reporting must be reinserted within a reasonable time frame if substantiated. Additionally, under **15 U.S.C. 1i ( a ) ( 6 ) ( B ) **, I believe the disputed item ( s ) in question were improperly removed or were subject to wrongful dispute, and therefore, I request they be returned to my file.

If you need further documentation or clarification to support my request for reinsertion, I am happy to provide the necessary materials. Please respond within 30 days as required by federal law. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon.
Product: Checking or savings account

I chatted and called Huntington to close my business checking account. I am currently visiting foreign countries, but they kept saying that I should visit a branch to close the account. I am not sure yet when I will be back in the U.S. I would like to close my account as soon as possible before any maintenance fee is charged.
Product: Mortgage

Wells Fargo displayed unfair practices during the application process for a refinance. Wells Fargo wrongfully inflated my DTI ratio post application process without notification or correspondence, when I asked for an explanation they did not respond. Wells Fargo increased the locked interest rate from XXXX to XXXX during the post application process without informing me why. When I asked the loan officer he assured me I was guaranteed the lower interest rate I have documentation to prove this. Wells Fargo increased my DTI ratio without informing me and when I asked for a breakdown of the debt figures they refused to provide it to me, stating it was proprietary. They denied my mortgage refinance application on the basis of false information. When I asked for an investigation my issues and concerns that were raised werent addressed. FYI I am a XXXX person refinancing a property with equity in a predominately XXXX neighborhood. Evidence can be provided upon request.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX XXXX : Unauthorized Credit Inquiries to Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiries removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. I am a victim of fraud and have a police report on file. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Thank you, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not authorize any of these hard inquiries. I am extremely upset because to my understanding I know TransUnion is supposed to report correct and accurate information to a consumer 's credit report but yet allowed these companies to have reported fraudulent and unauthorized hard inquiries to my report without acknowledgment and did not even bring it to my attention. I have been treated unfairly and this has financially hurt me. 
Fraudulent Inquiries : XXXX OF XXXX ( XXXX ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 XXXX  XXXX ( Bank ) - XX/XX/2022 XXXX ( Finance ) - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Finance ) - XX/XX/2022 XXXX XXXX XXXX ( Bank ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Credit reporting or other personal consumer reports

I have seven hard inquiries on my report that I do not recognize.

XXXX XXXX XXXXXX/XX/XXXX Carvana LLC XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX Equifax have failed to do their job on the data breach FTC violation that caused my credit report harm XXXX  and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit profile on XXXX, I discovered a discrepancy with an account listed under State Employees Credit U. I immediately requested validation for this account, as I had no recollection of opening it. Subsequently, I reviewed my credit report again on XX/XX/, and to my disappointment, the account still appeared on my credit report. Despite sending a second validation request on this day, I have not received any correspondence from the creditor validating that this account is rightfully mine. 

As of today XXXX, there have been no updates to my credit report, and the disputed account is still having an adverse impact on my credit score. I strongly believe that the account in question does not belong to me, and that the creditor does not have any authorization to access or collect on it. 

Therefore, I kindly request that the credit bureaus remove this account from my credit report until adequate validation has been provided, proving that the account belongs to me and all the information is accurate. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert that I was over 30 days late on my car payment which I was not. I made the payment and also have the email and screenshot to show the date paid. I would like to have the account to reflect on time. This has lowered my credit score with my XXXX  account XXXX points which has affected my gravely. The payment was authorized on XX/XX/26 which is not over 30 days past due.
Product: Debt collection

On XX/XX/2023 I discovered that my identity was stolen to open accounts in my name. ( View police Report attached below ) I am and have been a XXXX XXXX XXXXXXXX XXXX. The dept of Veteran Affairs pays all my medical bills.
Product: Debt collection

I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
PORTFOLIO CAPIT-XXXX
Product: Payday loan, title loan, or personal loan

in XX/XX/XXXX i enrolled in a debt relief program which included this loan. i was not happy with how the program was going and stopped being enrolled in the program sometime in XXXX ( around the summer time ). At no time was i contacted by lending club by phone, email or mail to make payment arrangements to pay off the outstanding loan. On XX/XX/XXXX, I recieved a phone call from XXXX XXXX XXXX in reference to this loan stating they are looking to set up a payment plan. i advised them i currently enrolled in a debt management program and provided them with the phone number. i contacted the program i am currently enrolled the next day to inquire if they contacted them, they had not. i contacted XXXX XXXX XXXX again they stated the number was not working, i once again provided the phone again. bare in mind the number i provided to XXXX is the same number i have been using to contact the debt mang company and there have been no issues. I spoke with my debt mang company on XX/XX/XXXX and there are still no communitcations with XXXX or Lending Club. Also this account has posted to my credit report under as a collections account although no efforts had been made previously from XXXX XXXX or XXXX XXXX XXXX prior to XX/XX/XXXX phone call.