23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I went to my bank Truist to access my safe deposit box. The keys I had would not open the box. I have {$89.00} in a savings account. When I asked for my money I was told by a bank officer that I owed {$15.00} for the box and if I paid {$15.00} I could have the rest of my money. This did not make sense because I couldnt get into the box. The next day I spoke to the branch manager and he said I closed the box in 2018. I asked him if he could prove that because my signature card was still on file. He said they had the keys to that box and it was empty. I left my {$89.00} in the savings account on the hope that if I owed money for the box and they were able to locate the contents I would be able to pay the money if I owed it. Previously the fee for the box was automatically withdrawn fro the savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, Experian & XXXX  asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCER I WANT ITEMS REMOVED ACCORDING TO THE LAWS AND REGULATIONS OF THE FCRA
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XX/XX/XXXX carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. Experian XXXX XX/XX/XXXX XXXX : 1. XXXX Bank. XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXXXX XXXX XX/XX/XXXX XXXX : 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX Bank XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I ( XXXX XXXX XXXX paid off my XXXX Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both trans union and XXXX XXXX XXXX  and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX XXXX and waited on a response, still nothing has been done!
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX  XXXX, and PROF DEBT ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Product: Debt collection

CBE Group , Inc., a national debt collector, in attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to CBE Group , Inc. on XXXX XXXX, 2017. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. 
I have been forced to elect not to have my devices replaced as I am currently homeless and to not have a physical address to mail replacements to. While I understand the norm is to mail out replacements, that is not the case in this instance. Therefore, no money is due by me for the devices, all of which were in use at the time of loss. XXXX XXXX has confirmed the debt associated with my account was sold for {$4000.00} to CBE Group , Inc., the debt collector trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. 
In resolution of the double dipping attempt by CBE Group , Inc. I would like full forgiveness of the debt by both CBE Group , Inc. and XXXX along with updated credit reporting data provided to all credit reporting agencies and XXXX XXXX. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a letter in the mail from XXXX XXXX XXXX that a credit card had been issued in my name. I did not apply for this credit card and did not receive it I called them they reported it as a fraudulent account. I asked them to take if off my credit report where they ran my credit. They told me to file a despuite with Equifax which I did. Now Equifax is refusing to take the hard inquire if my credit report saying it will stay there until 2021. Even thou it was report as fraudulent to the bank. And my social security number was in their data breach I still have to have something in my report that I did not do.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a notice date XX/XX/2023 for a debt I owe to first technology credit union. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX  and XXXX  benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the XXXX  due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the XXXX  and in the XXXX  XXXX ward and going to my many XXXX  appointments that take precedence over going to your summons and responding to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 30-60 ) days late on the XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, a natural woman and consumer. I am submitting this complaint on my behalf without any influence from any third party or agency. It has come to my attention after reviewing my consumer report that Security Finance is furnishing an account XXXX opened XX/XX/XXXX as charged-off with a balance of {$560.00} and date last active XX/XX/XXXX ; which is a debt that has been discharged/cancelled as a tax write off. After contacting the IRS they explained that it was illegal for reporting of this information to my credit report without providing a 1099C-Cancellation of Debt. This is called tax fraud upon the IRS and I will be reporting such scheme. The IRS directed me to file form 3949a for illegal tax violations upon Security Finance company. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. I demand Security Finance to remove this item from my consumer report and send the 1099-c so I can audit it to make sure you are in compliance. Security Finance violated the FCRA 15 USC 1681e ( b ) for reporting information thats not 100 % accurate as well as 15 USC 1681a ( 2 ) ( A ) ( i ) ( ii ) ( iii ) for information that's considered exclusion from consumer reporting. Security Finance is in violation of the FTC/GRAMM-LEACH-BLILEY ACT for furnishing my nonpublic information without my consent and giving me the material disclosure to opt-out of the sharing my nonpublic information to third parties. Security Finance is also in violation of 26 USC 6050P. Per HJR 192 Public Law 73-10, I am aware that every obligations shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. My family and I have suffered great financial burdens due to Security Finance reporting income as debt to my consumer report. This is a direct defamation of character. This is an attempt to correct the record and notice of this account is disputed and statements of account is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, XXXX cards, and XXXX XXXX have me listed as delinquent when I was in the bankruptcy process so therefore not delinquent.
Product: Bank account or service

I bank with US Bank in XXXX, KY. Sometime around late XX/XX/2016 I went through the teller line in the drive through as I had my XXXX small children with me. I made a withdrawal and the teller at the window asked me if I 'd heard about their new credit card. I stated I had not and she proceeded to give me some information and a XXXX page piece of information on the card. She asked me if she could send me some information about the credit card and I said sure. She confirmed my mailing address, which I advised was correct and I went about my way. Approximately XXXX weeks later I received a letter in the mail from USBank stating my credit application for the card had been denied. I was confused as to why I was getting this communication and then it clicked that the teller in the drive through line must have submitted an application in my name WITHOUT my consent. I called the number listed on the paperwork USBank had sent me regarding the denial of credit and they indicated the only thing they would be able to do is remove my application for credit, they could not take it off of my credit report as an inquiry. I never had any intentions of applying for this card as I know my credit is not great. I just wanted to get my cash and go and instead credit was applied for in my name without my written or verbal consent. I was told the XXXX inside the branch may or may not be able to do anything about the inquiry but that I should I try to contact them. This is a huge inconvenince and extremely unfair considering I never applied for this in the first place. I would have to take time off of my job to speak to this XXXX who may or may not be able to even assist me. To date this issue has still not been resolved.
Product: Credit reporting or other personal consumer reports

I am XXXX of the XXXX family. It is my goal to ensure that all personal information reporting on my credit report is 100 % accurate. I recently checked my credit reports with Trans Union, XXXX, and XXXX and noticed that there are several addresses being reported. How can this be? I I only dwell at one address. I am seeking remedy to correct and update my credit reports to reflect my only address as : XXXX XXXX XXXX. XXXX, PA XXXX. Please delete all other addresses to ensure maximum possible accuracy. I have attached a copy of my driver 's license which has my correct address. Thank You.
Product: Checking or savings account

Navy federal is trying to charge me recurring overdraft fees. not letting me close account, not stopping outgoing transaction ( some of them are suspicious due to my wallet got stolen ). give excuses to not helping me and keep activity going on so they can keep charging us. we are in recurring cycle now that we aren't able to stop. They don't let us take our money out. they don't let us close account. dealing with them over a month and looks like it will never stop. I think I am working for navy federal. just to give you an idea, every other bank, utilities, and companies help me exceptionally in my bad time ( wallet got stolen ), where navy federal is still taking advantage, even after a month as much as they can. our transaction was posted on different days specifically so that they can charge maximum overdraft protection fees.
Product: Credit reporting or other personal consumer reports

Someone keeps trying to open accounts as I'm keep getting hit with hatd inquiries, XXXX in the past XXXX  days
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   XXXX   XXXX    I ca lle d to make my payment the same way I always do through  BMW 's  automated system. I received no notification whatsoever that the payment was n't processed un til  X/X/17  and ul timately was reported by  BMW to the  credit bureau that my payment was 30 days late. The notification I received  on  XX/XX/XXXX  specific ally addressed my   XX/XX/XXXX   payment, not the   XX/XX/XXXX   payment, however the balance showed  two payment s were due and I immediately called to address this. Upon speaking with the representative, she researched and confirmed that no attempts had been made to notify me and provided me with an address of where I could send a letter to have the 30 day late removed. I was promised this would be corrected. I received a response to my letter advising that no adjustment would be mad e. BMW claims that 5 attempts were made to notify me via email of the late payment. This is an   outright fabrication, as the representative immediately confirmed to me at the time that no such notifications were sent. Again, the only notification I received was  on  XX/XX/XXXX  addressing my XX/XX/XXXX  payment  and at that point the account was already 30 days past due. Furthermore, she confirmed that my expressed preference was to receive notification of any issues with my payment via phone and additionally confirmed that no attempts were made to contact me. I have financ ed   XXXX   differe nt vehicles and have never missed a payment on any of them. This company did not honor the promise that was made to me after their own representative confirmed I was not notified of the error. Addition to their deceitful response, it is completely irresponsible to report a customer to the credit bureau without making A SINGLE ATTEMPT to notify them by phone and rely on emails that could easily end up in a spam folder, despite that their own employees have already verbally acknowledged that this did not take place. Previous complaints ( not through the CFPB ) have gone unresolved, with the creditor stating it is not their responsibility to inform the client that the payment was not received.
Product: Student loan

I started additional principal payments about 2 years ago. A year ago I realized Great Lakes was not applying the additional principal payment to the principal. They were instead keeping it as a prepayment. I called and was informed I had incorrectly set up the payment options. I changed the payment options to what customer service advised me, so that excess payments would apply to principal and not just be held as a prepayment. Tonight in checking my account I see that I still haven't gotten any credit for the excess payments and over {$1000.00} is being held as a prepayment while I'm accruing interest on my loan balance. 

As a college grad I find it unacceptable that I am not able to pay off additional principal due to confusing online payment options and inaccurate direction from customer service. 

https : //mygreatlakes.org/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX  XXXX accordance with fair credit reporting act XXXX  account XXXX, XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions