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

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 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights.

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.
Product: Checking or savings account

Fifth third bank engages in several practices that encourages overdraft situation, The most flagrant is that they have a policy that if your account has been overdrawn in the last 30 days you are not allowed to deposit into that account using the online app.You are able to deposit into their ATM. 
I experienced this situation over the last 2 years since I have been using their mobile app. 
On XX/XX/2020 I deposited a check from XXXX insurance for {$210.00} dollars but was forced put deposit in a savings account and founds were not available until Tuesday the XX/XX/XXXX XXXX.I was finally allowed to move over checking account but in course of those days I incurred {$140.00} in overdraft fees that would not of occurred in the deposit was put into the correct from the beginning.I contacted the telephone banking reps and they were not informed of this policy only the supervisors were aware. 
I asked to have the fees reversed and they were not willing to do that. 
I called the branch a filed a complaint but nothing has been done, This is a predatory practice that's preying on individuals struggling financially and particularly in this time of the Covid 19 quarantine is not an acceptable practice The second practice I have experienced was they randomly put 10 day holds on deposits and this has caused me 2 late payment marks on my credit report, the latest one was in XXXX of 2020 to XXXX XXXX,
Product: Credit reporting or other personal consumer reports

hello i recently sent a letter to equifax on XX/XX/year> in regards to some accounts they have listed as collections. I asked for them to send me the method and information they used to investigate these debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the accounts listed below. These accounts are showing late payments and I am sure I have never been late. I have requested a statement proving the late payments, but no verifying document has been received. The following accounts are reporting incorrectly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In XXXX, a car was purchased wrongfully in my name and part of a sheriff 's report. XXXX XXXX XXXX XXXX refused to acknowledge the theft while I even helped locate the car. Currently the information is wrong on the credit report. It reflects as current / terms met and also ND ( Data Unavailable ) in XXXX. I assume this is a game by XXXX XXXX XXXX XXXX to keep on my report.
Product: Checking or savings account

I enrolled the offer of FNBO {$300.00} Checking Bonus + {$200.00} Savings Bonus with details like below : " FNBO Bank is offering a bonus of up to {$500.00}. Bonus is broken down as follows : Open a new checking account with XXXX XXXX XXXX and receive a {$50.00} bonus Open FNBO Savings account the same day as your checking and receive a {$10.00} bonus Set up and receive qualifying direct deposits in your new checking account ( direct deposits totaling {$500.00} must post to your account XXXX XXXX periods in a row ) and receive a {$250.00} bonus Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus '' I was able to maintain the balance of at least {$3000.00} in the savings account ending in XXXX for at least 90 days. I deposited at least {$3000.00} on XX/XX/XXXX and kept it until XX/XX/XXXX. I attached all the statements showing these balance. 
However, I still didn't receive the bonus. Now the account was automatically closed due to XXXX balance. 
Based on the requirement " Maintain a {$3000.00} balance for 90 days and reach the checking account requirements above and get a {$190.00} bonus ''. I should receive the bonus since I kept the balance for more than 90 days and checking account requirement was satisfied. 
Please resolve this ASAP!
Product: Credit reporting or other personal consumer reports

I have submitted my bank statement and proof from direct deposit company that I have paid as agreed but they kept saying that my payments were late. I then switched from XXXX XXXX to XXXXXXXX for direct deposit and all of sudden my payments were on time although they are being cleared during the same time frame. Once I received my XXXX from XXXX there was NO late fees indicated on there but they were charging for fees for having another company processing my direct deposit and yet still reporting that I paid 3 months late until I switched over ... I consider that extortion. They will NOT change the report even though they received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX****
Product: Checking or savings account

I spoke to Bank of America Regulatory Representative XXXX on XX/XX/2018 at XXXX XXXX. At that time I was advised that Bank of America would be removing the reported trade lines from the XXXX XXXX XXXX  and XXXX  XXXX I clearly asked how long this process would take and was informed that it would be removed within 48 hours but to wait at least a week. I was also informed that I would be receiving a letter to that effect as well. Pursuant to XXXX confirmation I attempted to open on an account on XX/XX/2018 with a local branch and was allowed a second chance checking account. However, the following day I was contacted by the bank and advised that my account would be closed by XX/XX/2018 due to information that was reported on the XXXX XXXX XXXX. When I asked this banking institution why my account was being closed when it was initially approved, I was told that they perform an additional search beyond 30 days for information reported to the XXXX XXXX XXXX. 
So once again I have received incorrect information and now I have a direct deposit tied up with this banking institution because of this reporting. I simply want this information REMOVED from the XXXX XXXX XXXX as was agreed. I know I am only a small customer but Bank of Americas customer service is ridiculous and needs to be addressed by someone. I dont want to seek legal remedies but this maybe the only route as to let Bank of America stop taking advantage of people. 
PLEASE REMOVE ALL NEGATIVE INFORMATION FROM THE XXXX XXXX XXXX  AND XXXX AS YOU AGREED TO DO!!!
Product: Mortgage

Mother died been paying mortgage said not paid, Have proof of everything, and faxed to them several times,, pymts have been paid, and never late, Attorney gave me your number,
Product: Consumer Loan

I purchased a XXXX XXXX XXXX from XXXX of XXXX in XXXX of 2013 using a loan funded by BMW Financial. 
The agreement called for {$1000.00} incentive payment credit over the XXXX XXXX payments due. 
When I set up my payment account on the XXXX website it showed the ( XXXX ) {$500.00} credits towards the loan. 
I made the XXXX pro-rated payment. When I went to make the XXXX payment, the credit had disappeared from the account. 
I took it in good faith that the credit would appear and made the pro rated payment. After questioning BMW financial and sending a letter to them I received a response that indicated the dealer had withdrawn the XXXX credit. I was told that they had used an alternate vehicle to " write the contract '' for the {$1000.00} payment credit and then withdrawn the XXXX payment credit. I spoke with my original salesman and the finance manager at XXXX of XXXX after this revelation. The finance manager ( a woman ) was abrupt, admitted her employee made a mistake, said he 'd be counseled on it and basically said I had to live with it. 
By this time the payment showed as 30 days late and has continued to show 30 days or more late depending on when the payments are posted in the month. I have on XXXX occasions delayed payment and attempted to reengage BMW Financial and XXXX of XXXX on this matter. Approximately 2 weeks ago I went to XXXX of XXXX and spoke with XXXX XXXX the General Manager. He offered to send a check the next day for the misunderstanding ( contract fraud ) on their part. I agreed and decided to take on BMW Financial and the late payments on my own. XXXX XXXX did not keep his agreement and no check has been received. He/They have not kept their word on anything other than the delivery of the vehicle. 
My credit score with XXXX has gone from over XXXX to XXXX during this time and because of the issue. The other XXXX bureaus reflect a similar problem. ( Please note that on the day of purchase they said I had a " XXXX '' credit score with XXXX contrary to what I printed off and showed them. 
I offered to refinance the loan right after this was discovered however because of the late payment no one would refinance it even with the explanation. 
I respectfully ask that XXXX of XXXX pay all fees and past due amounts on this loan and that they engage the XXXX representative to have BMW financial correct the loan account to show as always paid on time, never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.
Product: Debt collection

XXXX XXXX XXXX RADIUS GLOBAL Amount : {$1200.00} Opened : {$1200.00} Re : Fraud/ Aggravated Identity theft I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you RADIUS GLOBAL 's attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

RADIUS GLOBAL is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you RADIUS GLOBAL is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by RADIUS GLOBAL for the accounts opened ( XX/XX/year> ). 
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you RADIUS GLOBAL into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 
Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX  XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX  AUTHORIZED USER NO CARD XXXX XXXX ... XXXX AUTHORIZED USER
Product: Debt collection

In 2017, an account from was open in my name. I had no knowledge of this account until it was placed on my credit report. Since then I have been disputing this account I have asked the company for accurate information they have not provided all accurate information. Now it in collections on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit 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 XXXX XXXX XXXX XXXX XXXX
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Background information regarding a criminal charge is incorrect. I tried explaining to the consumer reporting agency 's rep how the information is wrong and the rep can or will not understand or take the time to understand me correctly. I got denied employment because of this. Every time I called I spoke to the same rep almost like he 's the only one. I told him all they had to do was rerun the check and they should get the correct information but was told the company I applied to would have to run another check on me in order for that to happen. Also, the background check shows the starting date of the check on that particular search was started a week later than all the other searches for reasons unknown.
Product: Debt collection

XXXX is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from United Check Recovery Bureau, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX XXXX XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up XXXX '' The collector also called me at my office. He then disclosed he was calling about " XXXX XXXX. '' He stated the balance that he said that I owe telling me it was charged off in XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.
Product: Checking or savings account

Citibank XXXX XXXX Department is using unreasonable and unfair practices to " verify '' my checking account to the extent that it is impossible to verify myself to remove whatever alerts that they claim that I keep occurring on said checking account. 

I currently have my up-to-date contact information ( email, phone number, and home address ) on file with Citibank, yet, the Fruad Department keeps insisting that they need to send me a code to a phone number that I do not have access to any longer, and all because it's allegedly on my " public records '' But, what difference does it make if I have a XXXX alledged " phone numbers '' on my " public records '' if none of them are my current phone number that I actually have access to? 

This is unreasonable and unfair business practices because on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, I spoke with 8 different rude employees on the phone regarding this matter, and three of them disconnected the call while I was still talking with them. And all eight of them continued to talk over me. 

Before this last time of having to " verify myself '' they were able to send me text messages to the phone number on my account. 

I went into the Citibank branch to speak to an employee on XX/XX/2022, and she was dismissive and refused to help me resolve and verify my account as well. I need my account verified within logical and reasonable reasoning.
Product: Vehicle loan or lease

I continuously request my payment information be removed after every payment is made. Every time I call to make a new payment, they STILL have my financial information on file. They continuously LIE to me by saying there is no information on file until I say I want to make a payment and all of a sudden they have my bank information. This is EVERY month between the XXXX the month and the XXXX of the following month. 

In addition, I have requested my loan documents twice. I have not received them. Worse, I was NEVER given a copy of my loan documents at the time of the loan. The dates of the requests are : XX/XX/XXXX and XX/XX/XXXX. I was told the documents would be expedited and that I would have them by XX/XX/XXXX. As of XX/XX/XXXX they have not arrived. Again.
Product: Mortgage

I have been trying to get BB & T to remove my PMI on my mortgage three times over the last 3 years and every time they give me different reasons why they are unable to remove it. 
I submitted a request the first time in XXXX of XXXX I submitted it with an appraisal showing that the value of the home had gone up. They declined saying that the appraisal that I submitted was not acceptable and that I had to pay for a new appraisal ( through BB & T to have PMI removed ) I got so upset that I dropped everything and accepted a NO and moved on. 
In XXXX of XXXX I decided to try to have my PMI removed again. This time I made a principle payment to reduce my Mortgage balance below the 79 % LTV from the original apprised value. They told me this time that because my loan was less then 5 years old that I had to bring my Loan to value down to 75 % to have my PMI removed. I did not have any more money to pay down the principle balance to the 75 % so I asked them to refund me the large principle payment that I had made and I dropped it once again. 
In XXXX of this year I decided that once again I am fed up with paying an extra $ XXXX month for nothing and made a principle balance and brought by LTV down to 78 % Loan to value. 
This time I received a letter saying that I was declined due to having a late payment in the last 12 month. I was in chock ... .I have never in my life had any late payment on anything. 
I called the mortgage servicing center with BB & T and they explained that in XXXX I made a payment that was {$100.00} short. I always make additional payment to principle so I am not sure how this could have happened but I did go back and verify the amount that came out of my checking account and it is correct?!?! My payment was {$100.00} short. I guess my big problem here is that I never received a call, I never received anything in the mail and I had no clue what was going on until I requested to have my PMI removed in XXXX. 
The way I guess they said that the late payment fixed itself was that I made an additional payment to principle in XXXX and they applied that to the {$100.00} that I was short for XXXX. 
I feel strongly that this should not be the reason for BB & T to once again deny my claim to remove my PMI. I am willing to hire an attorney at this point since I now feel that this have become and issue where BB & T feels that they are so big and untouchable and they can come up with excuse after excuse to do what ever they want and make their own rules. Instead of looking at my individual situation and see that as long as I have had my mortgage with BB & T I have always made additional payment and that the situating in XXXX must have been a honest mistake that was a one off and remove my PMI they are now using that as the excuse. 
I am really upset about this and want to make sure that other people dot go through this when trying to have the PMI removed. When I refinanced my loan the loan officer told me several times that the PMI would come of once I reach 80 % LTV but never explained that it would be this difficult to have it removed. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.