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

XXXX XXXX XXXX is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for XXXX XXXX XXXX to DELETE from my credit reports or i will sue both XXXX XXXX XXXX and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the Equifax breach. The dicuments sent prove nothing
Product: Debt collection

I'm working hard to protect my credit and this account is stopping me from getting a house I disputed it before this account says it was opened at the time I was incarcerated In accordance with the fair credit reporting act LVNV account # XXXX has violated my rights 15 u.s.c 1681 section 602A. States I have the right to privacy.

15 u.s.c. 1681 section 604A section it also states that a consumer reporting agency can not furnish a account without my written instructions I have been incarcerated since 2018 so this debt is a result of fraudulent activity
Product: Credit reporting or other personal consumer reports

I am writing once again to dispute the accounts appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent accounts being opened in my name without my knowledge. While the creditors have acknowledged these accounts as fraudulent and agreed to remove them from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option
Product: Checking or savings account

On XX/XX/2018, I entered the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY in order to close a joint CD. I provided the personal banker with the identification needed. She then went to consult with the branch manager. When she returned, she declined my request. When asked why, she told me that the manager had told her that it could not be closed. When asked for a reason, she referred me to the branch manager. My fiance accompanied me to meet with the branch manager ( I had asked she be an advocate in the discussion ). When first asked, the branch manager said that I needed to speak to Miss XXXX, who is my mother and the joint holder on the account. When I asked again why I was not allowed access to my account when I pay the taxes on the interest, I was again referred to speak to my mother first. My fiance then said that it was against federal policy to not allow a joint account holder access to the account, and that she needed to provide a reason for denying the request. The branch manager again stated that I needed to speak to Miss XXXX. I asked why, she denied to explain it to me. My fiance told her she had to at least explain why I was not allowed to have access to my account at the very least, because it was in violation of policies that protect joint account holders, ones that even the bank stated they have when we called in to request what the bank 's policies were on CD accounts. The branch manager then stated that she refused to speak in front of my fiance. I stated I wanted her there, and she said she would not speak with her present because she was not an account holder. My fiance reiterated that this was a violation of an individual 's rights, but walked away so I could speak to the branch manager. Once we had complied, the branch manager offered no explanation as to why I could not access the funds in the joint CD other than I had to speak to " Miss XXXX '' who was the other holder of the CD. I continued to ask why I had to do this but received no additional information. 

On XX/XX/2018, I contacted the XXXX XXXX branch of PNC Bank to discuss the nature of joint CD accounts. A branch manager explained to me that both parties in a joint account have equal access to that account and do not need the other party to access it. They also confirmed that all accounts were FDIC insured. 

On XX/XX/2018, I went to the XXXX XXXX XXXX branch of PNC Bank in XXXX XXXX, KY in order to withdraw funds from the CD. I was notified that the account was already closed and was provided the information of the closure. The entire amount of {$59000.00} was removed, and the account fully closed by the other party on the joint CD account on XX/XX/XXXX at the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY. 

I was later informed by " Miss XXXX, '' via text message on XX/XX/XXXX, that she was given access to view our visit to the bank as recorded on bank cameras. 

Should any documentation be needed, please contact me, and I will send what I have, such as proof of the closure and my tax documents.
Product: Debt collection

Im a victim of Identity theft. Ive disputed account with credit agency and filed a FTC. This isnt my account and I would like this account removed immediately.
Product: Debt collection

This company is making statements COMPLETE PAYMENT RECOVERY SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX sent in a check and they are now turning me into the check bouncing system. they have been threat me turn me into a bad check writing system and harassing me on the phone. they are making false statements and defamation of my character. I have called many times and asked them to stop making such statements and that I have never sent or issued a check to no one. I also have verified this with the originator debt XXXX XXXX that I never sent XXXX XXXX a check and they never got a check XXXX.
Product: Credit reporting or other personal consumer reports

Equifax continues to report a collection account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX, that I don't owe, and that it should not be in my credit report at all. 

XXXX XXXXXXXX XXXX stated that they have asked the CRA to delete the account but continues to show. 

Equifax does not allow me to dispute it.
Product: Credit reporting or other personal consumer reports

I visited XXXX on XX/XX/2023 to look into refinancing my auto loan. 

XXXX website advertises a prequalification with no credit score impact. 

I input my information and, upon hitting submit, moments later I was notified that my XXXX credit report was accessed by XXXX and Flagship Credit AcceptanceXXXX 

None of the three companies listed ( XXXX XXXX, XXXX, or Flagship Direct ) had my permission to do a hard pull on my credit report, and doing so is contrary to the advertising put forth by XXXX XXXX. 

I am including a screenshot of their advertisement as well as a written response from Flagship Credit Acceptance.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a loan with Kia Finance America. Paymentd were toward a 70 month contract, amounting to XXXX dollars monthly. There was a no payment interest free period, expired XX/XX/2023. During the interest free no payment period, I made several payments towards the principal alone. Kia finance has processed a payment of XXXX made XX/XX/2023 and applied the whole amount to interest fees, less XXXX they applied toward the principal. Kia Finance America is collecting interest instead of principal and interest payments, lengthening the loan timeframe and increasing the loan payments. I tried calling them to dispute this, they hung up on me. 4 times.
Product: Checking or savings account

I have been experiencing an unusually high rate of insufficient fees with MidFirst Bank in Oklahoma. I do acknowledge that I will be low on fund at times and utilize the overdraft protection service, however, when I began to closely monitor my account, I noticed a pattern that my debits were/are being rearranged in a way where it appears MidFirst could charge additional insufficient fees. When inquiring about this often, various representatives understood and reversed some of the insufficient charges ; others, like one this morning, was adamant the fault was my own. I have heard several different excuses from representatives : " it's out of the bank 's hands when a charge will go through '', " it's on the merchants when the charge will go through '', and " it can be confusing how the charges reflect and how the debits rearrange ''. Further, I had been told for years, since opening my account in XXXX, that if a deposit was made within 24 hours of a debit, no insufficient fee would occur. When I was charged a fee for a debit that incurred less than 24 hours before a deposit, the representative stated she'd never heard of that before. The rules, procedure and communication should be crystal clear and not waffle from week to week. I also found that in XX/XX/XXXX, without any notice at all, the MidFirst bank rate for insufficient fees went from {$32.00} to {$34.00}. Nothing should be confusing about my money being deducted out of my account. For this reason, I feel like MidFirst has unnecessarily taken hundreds of dollars in insufficient fees from my account. I will be transferring my funds to another bank soon, but wanted to advise the CFPB of what appears to be deceptive practices by MidFirst and/or its employees. 

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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Have been dealing with XXXX about XXXX 30 day late marks on my credit reports for months. It all started because their system would n't allow me to pay online and the representative would not take a payment over the phone either. Even talked to the executive office VP and he has n't helped one bit. He told me he would tackle it one task at a time. Even called to tell me I can pay online because it has been fixed. Well I go to make my payment this month and it 's still not correct. I sent them a certified letter back when this all started and they sent me a generic form letter saying the information is correct but failed to mark my credit report disputed to this day so by law they should have fixed what is needed for violation that time frame.
Product: Debt collection

On XX/XX/ I received a notification alert from my credit report that an item was placed for collections in the amount of XXXXdollars. The company listed is XXXX XXXX XXXX XXXX. I have not obtain any services via emergency room or urgent care. This company does not provide any contact information for reference. I have not received any mail notifications in regards to this collection before being placed on my consumer report nor have I received any information after it has been listed. I do not have any account information. I have attempted to dispute this account with the consumer agencies but all claim the information was verified, yet I have not been provided any information on how to reach this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending XXXX  & Transunion information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries.

As I understand it, they have 30 days to respond, which must be made available to me by law.

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my Transunion & XXXX  Credit Reports and after finally receiving the Transunion report, it would not allow me to proceed to receive the XXXX  report. 

Then it wouldn't let me back in to get the XXXX  report saying that it was no longer available online.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$2200.00} XXXX : XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00}
Product: Debt collection

Debt collector from the Law Office of Brett M. Borland was inappropriate over the phone, and difficult to reach. Requested that further communication be done over email or traditional mail verbally on XX/XX/XXXX, via email on XX/XX/XXXX, and through certified mail that was received on XX/XX/XXXX. 
Additionally requested evidence of reported damages to rental unit, along with proof that the landlord attempted to re-rent the unit per state law on XX/XX/XXXX both from the collector and from the original leasing company, with certified mail follow ups. 
Evidence of reported damages and attempts to rerent was not provided. 
I received a letter from the leasing company stating that they had turned my debt over to a debt collector that is not Law Office of Brett M. Borland. 
A collector from the Law Office of Brett M. Borland called and left a voicemail on XXXX despite receiving my request to continue through email or traditional mail.
Product: Debt collection

Received correspondence from Gamache and Myers on XXXX/XXXX/15 stating they are attempting to collect a debt for XXXX XXXX XXXX. Responded via certified letter to G & M requesting validation of debt be sent to my residence. Received response on XXXX/XXXX/15. Did not receive proper validation of debt, however. Responded via certified letter, again, to send me proper validation of the debt. Received notice today that G & M has filed suit on this debt without providing proper validation of the debt to me. Therefore I will be forced to hire an attorney, at my expense to defend this unsubstantiated lawsuit.
Product: Debt collection

I have an account I am paying off with XXXX XXXX XXXX, and have been steadily working on this debt It accorded because I lost my job. Last month XXXX, at XXXX XXXX XXXX told me there was another debt that came to them that was a collection. He gave me the information on the pay day loan, and I researched it, and this was not my debt. I never took it out, and was never obligated to this aledged debt. The only in question is in the amount of {$2800.00}, supposedly initiated in XX/XX/2016. Their number on the loan is # XXXX for Cash Central. The number assigned to XXXX XXXX XXXX is # XXXX. This is a fraud account and not mine. I want to dispute it and have it off of my bureau. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed {$1500.00} for a deposit on an apartment that the lister didn't own. They had a lease, access to conversations I had with another landlord and keys to a place for a viewing. When I wanted the deposit back due to unsatisfactory conditions they refused and I have not gotten my money back. What was listed was not what they had. I reached out to my bank and submitted a complaint through zelle. Anything that could help would be great.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the following fraudulent and unauthorized inquiries from my credit report. These inquiries were not initiated by me, and they are the result of identity theft or fraud. The inquiries in question are : - XXXX XXXX XXXX XX/XX/2024 - XXXX XXXX XXXX, XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/2024 - XXXX XXXX, XX/XX/2024 - XXXX  XXXX, XX/XX/2024 - XXXX XXXX XXXX, XX/XX/2024 - XXXX, XX/XX/2024 - XXXX  XXXX XXXX XXXX, XX/XX/2024 - XXXX XXXX, XX/XX/2024 - XXXX XXXX, XX/XX/2024 - XXXX XXXX XXXX XXXX XX/XX/2024 I have enclosed a copy of my FTC Identity Theft Report, as well as the necessary documentation required under the Debt Bondage Repair Act ( DBRA ). I expect these unauthorized inquiries to be removed promptly in accordance with the Fair Credit Reporting Act ( FCRA ) and the protections provided by DBRA. 
Please confirm in writing when these inquiries have been deleted from my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

This issue has been ongoing for the past XXXX years and I have called and spoken with Citibank more that ten times about it. The issue is, each time I make a large purchase, the bank applies an authorization to the account and when the merchant decides to collect the funds, the bank takes the money out of the account but leaves the authorization still pending. This problem has never happened with any of my other bank accounts. Interestingly, this does not appears to happen with small amount ( Less than {$100.00} ) or when the amount in the account is barely covers the authorization. For example, recently, I made a purchase for approximately {$1500.00} on XXXX. The merchant collected the funds about 3 days later. The authorization is still pending in the account and I do not have access to that {$1500.00}. In other words, Citibank choose to remove an additional {$1500.00} from my account. This is clearly a violation of US Consumer Law. The bank on several occasions made the claim that the reason this happened is due to the account being locked. Contrarily, last when my account was only about {$100.00} and I made a {$90.00} purchase, the funds were taken out of the that authorization. In the meanwhile, the account has been locked. This is illegality has to stop. I am unable to make any purchases with the remaining about in my account because Citibank choose the deprive me of my {$1500.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe theses practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I found billing errors on my credit report indicating late payments that dont match my actual history. Please address these discrepancies and update my account accordingly. Thank you!
Product: Credit card

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit monitoring services recently notified me that XXXX XXXX had made hard inquiries on my credit report to all 3 of the credit bureaus.

I have not applied for any type of credit with XXXX XXXX.

I called XXXX XXXX to get more information and they told me they didn't know anything about it and that I needed to write a letter to each of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled this out and while trying to upload evidence it disappeared