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

I have a checking account with the Citi Bank for many years and it was my main checking account. 
it means all my pay checks and income has been direct deposited in this account for many years and all my mortgage and credit also set up to pay from same checking account. 
for some unknown reason they decide to close my account and even after I asked them for explanation regarding their decision, but they refused to provide any information. 
I understand that they have right to refuse service to anybody, but my problem is the my money that has been blocked on that account and they are not releasing my funds and i don't have any access to my fund and it cause me too much problem with paying my house mortgage and car payments and even paying my utility bills and all other day to day payments such as credit cards and so. 
the total available balance in my checking account at the moment is {$18000.00}, but as i said they are not releasing my fund and it cause me big problem and it will damage and has unrepairable effect on my credit score and everything else. 
I already tried to talk with them several times and, they only said " this account is closed and you will receive your fund within 60 days '' when i explained my problem for them and asked them to expedite the process for releasing the money the hang up the phone. 
here is the account information : Bank name : Citi Bank Routing NumberXXXX Account Number : XXXX I already told them that they are responsible for any damage and problem that could happen for me regarding my financial status. 

I need you to help me with this big concern before it is getting to late. 
thank you for your understanding and help in advanced. 

XXXX XXXX XX/XX/2022
Product: Debt collection

I have sent in multiple disputes, disputing this misinformation on my credit report. I have asked for verification that this debt is valid and i have not been provided with the proper communication. This is also a violation of my rights as a consumer. 15 USC 1692 G states as a consumer i do not owe any alleged debt. This debt has not been properly verified. This is misleading unverifiable information. As a consumer my information should not be shared publicly. This is hindering me from jobs, housing opportunities and more. Delete this information
Product: Debt collection

On XX/XX/2021 i received a notification on my credit report that i have a Medical debt for the amount of {$75.00}. I have NOT received any letters or phone calls regarding this matter. I dont even know the company thats requesting this debt I cant even get in contact with the company. If you check my credit report and history you will see i NEVER missed a payment especially for {$75.00}. I would like this remove because as of right now its hurting my score and hurting my chances on buying a house
Product: Vehicle loan or lease

I had an auto loan with TD Auto Finance and paid the loan off in XX/XX/XXXX. I received an overpayment in XX/XX/XXXX and misplaced. I found the check in XX/XX/XXXX and contacted the Loan Department. They stated a check would be re issued within 21 days. On XX/XX/XXXX I contacted the bank again and they stated the issue was turned over to XXXX XXXX  and they would reissue the check some time in the next 30 days. I contacted them on XX/XX/XXXX. The bank stated they do not know when the check will be issued or mailed. They hope by the XXXX XXXX  XXXX. 
This to me is taking too long for a simple re issue of a check Thank you
Product: Debt collection

PennyMac agents have been calling our telephone number repeatedly for years asking for XXXX XXXX. We have told PenneyMac agents repeatedly that we have had this telephone number for eight years and there is no XXXX XXXX here, but the harassing telephone calls continue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts Below : Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX I dont have the full account number but I wrote the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Navy Federal Credit Union Foundation doing business as Navy Federal Credit Union ( NFCU ) is committing fraud and white collar crimes ( extortion ) against consumers on a daily basis for a number of reasons. Regulatory provisions are being violated in criminal ways that constitute extortion and theft of identity and property. NFCU is not required to mortgage or otherwise lien property in order for Consumers to purchase or build a dwelling pursuant to 12 CFR 701.31 and 12 CFR 701.20. NFCU is also not required to use cash assets or real property to secure the purchase of a dwelling pursuant to 12 CFR 1002.2. They have been sufficiently notified and they refuse to make any accommodations as required by the Fair Housing Association as an Equal Housing Lender. NFCU has informed me on several occasions that they are not required to adhere to these regulations and that they do not provide the required service in compliance with their applicable regulations and laws. Doing business with them is also dangerous because they are a 501 ( c ) ( 3 ) organization which means they are TAKING property from people by outright fraud and extortion. If you look at the " about us '' page on their website and their Articles of Incorporation registered with the Secretary of State in VA, you will see that they are TAKING property as the language reads, and that the Foundation has no members. They are required by law to process an extension of credit without a lien, which is a money transfer for the purpose of purchasing a dwelling. NFCU is only to receive interest in the amount of a finance charge and nothing more. They are tricking people into paying them, for loans that are not at all funded by NFCU. Please see attached documents for details.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name { XXXX XXXX  Account Number { XXXX
Product: Credit reporting or other personal consumer reports

the Fico Score for Experian is not posted on my current credit report summary
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Honda finance, I have been a loyal Honda client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that Honda failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why Honda has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.
Product: Credit reporting

I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of BusinessXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am formally demanding the IMMEDIATE REMOVAL of an unverified bankruptcy from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The credit bureaus have failed to provide proper verification of this bankruptcy, and XXXX has not provided any documentation proving its accuracy, in direct violation of my rights under federal law. 

FCRA Violations & Legal Basis for Removal : 1. Failure to Verify ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA requires that any disputed information must be verified as accurate within 30 days, or it must be deleted immediately. Since XXXX has not verified this bankruptcy with supporting documentation, it must be removed immediately from my credit report. 
2. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ) It is illegal for any entity to furnish information to credit bureaus that they can not verify as accurate. Since XXXX and the credit bureaus can not substantiate the bankruptcy, they are in direct violation of this law. 
XXXX. Failure to Provide Sources & Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) Under the FCRA, I have the right to request the method of verification used to report this bankruptcy. Since XXXX and the credit bureaus have not provided proof, they are failing to comply with federal law. 
XXXX. Negligent and Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) Knowingly reporting unverified or inaccurate information is a violation of my consumer rights, and I am prepared to take legal action for damages of up to {$1000.00} per violation, plus attorneys fees, if this issue is not resolved promptly.
Product: Debt collection

There is a account on my credit that is reporting inaccurate information. I submitted several disputes to Equifax for inaccurate information and the next day they close the dispute for accuracy info.I have reached out to the creditor several times and was advised I do not have a account or balance. This is in regards to XXXX XXXX XXXX which is now owned by XXXX XXXX XXXX. On XXXX I asked to speak with a XXXX at Equifax and spoke to XXXX ID Number : XXXX. I asked XXXX what is the name of the creditor who they are sending the information to. XXXX advised XXXX XXXX XXXX I advised XXXX they are not conducting a honest and thorough investigation because XXXX XXXX XXXX is now owned by XXXX XXXX so they never conducted a investigation, the went off of what was report and never reached out to the lender. XXXX advised that I go make a police report for identity theft. This is very absurd that I have to go all these measure, but when I reached out to XXXX and XXXX this account was removed within a hour being that they actually did their job and confirmed the information I submitted.
Product: Vehicle loan or lease

On XX/XX/XXXX I was having an issue paying my auto-loan online due on XX/XX/XXXX so I was late on the first month because I wanted to pay online and needed to take time out of work to call in and inquire why, I called in and there was a technical issue with account linking, so I paid on the phone and I thought the account link issue was fixed. My second payment ( due on XX/XX/XXXX ) I tried to pay on time but again I could not pay it online so fell 1 day late. After PNC debt collector calls me I told them about the issue of paying online, so they transferred me to the online department. They informed me that payment of auto loans is not available via mobile app, only available on the website. The debt collector and the website said that {$760.00} was due but that was a fraudulent amount because that included next month, there is no reason but FRAUDULENT BUSINESS PRACTICE to tell me both on the phone and on the website that NEXT MONTH IS DUE. I actually paid the {$760.00} amount online because this is a new auto-loan and I didn't know the actual amount of the payment and didn't want to under pay or waste more time on the phone with PNC. These banks will charge me $ 35+ if I make a mistake however they make multiple mistakes and there is no recourse. I asked for monetary compensation for the fiasco on XX/XX/XXXX and this is what I received from PNC on XX/XX/XXXX : XX/XX/XXXX Message : Dear XXXX, Thank you for contacting us through the Secured Message Center! 

I am sorry for any difficulty in making those payments. The total due shows for the higher amount because it is accounting for the next months charges. Only {$370.00} is due however, as of XX/XX/XXXX. While we would be unable to provide a monetary compensation, we can provide some help in ensuring payments are made and on time with methods such as auto pay or using the online transfer funds tool to set recurring payments manually. Please reply if you will like some additional information on those options. 

If there are any other questions or concerns, you may contact us using the chat button below, or by phone at XXXX / XXXX. We are available XXXX XXXX to XXXX XXXX EST M-F, and XXXX XXXX   to XXXX XXXX on weekends. Please remember that PNC is also available via XXXX, XXXX and XXXX, XXXX XXXX to XXXX  EST 7 days a week. 

Thank you for choosing PNC Bank! 

Sincerely, XXXX XXXX PNC Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES 1. XXXX XXXX XXXX XXXX, GA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I was approved for a loan with XXXX XXXX, through XXXX. A few days later, I received an email from XXXX that XXXX XXXX Bank would be the bank servicing my loan. 

When I was approved for the loan, I was told by XXXX XXXX that the loan would not be reported to the credit bureaus. Subsequently, in my multiple conversations with XXXX XXXX XXXX, it was always confirmed that my loan would not be reported to credit bureaus. 

As recently as last month ( early XX/XX/XXXX ), I was told by a representative from XXXX XXXX XXXX, that my loan would not be reported to the credit bureaus. On XX/XX/XXXX, I saw that my loan with XXXX XXXX XXXX  had been reported to the credit bureaus. I called XXXX XXXX XXXX  to inquire about this and was told that as of XX/XX/XXXX, they had started reporting all loans to the credit bureaus. The reporting is from the disbursement date of the loan. 

Not only did I not give XXXX XXXX XXXX  permission to report the ongoing status of my loan to the credit bureaus, I was assured on multiple occasions that the loan would not be reported. One representative even said to me, " I see that you asked us this question before. Please rest assured that we do not report to credit agencies. ''
Product: Checking or savings account

In XXXX XXXX, I made an error and forgot about an automatic payment coming out of my account.. This overdrew my account ( BB & T ) - which my bank honored. They charged me a {$36.00} overdraft fee - which I felt was fair. I am on Social Security and SSI and only get my money on the 1st and 3rd of the  month - which was 2 weeks away., I was unable to " fix '' the overdraft in the " allotted '' time. I was charged another {$36.00} fee. I am tightly budgeted ( I get a total of $ XXXX to live on ) and every penny is accounted for. This additional fee caused my account to overdraw again. Another {$36.00} fee was charged. In the course of about a month - I was charged a total of 10 {$36.00} fees- or {$360.00}. I went to the bank and was told that they would not reverse any of the fees. Since I spoke to them, they have charged me additional and I am now close to {$400.00} overdrawn. I went to Social Security last month and told them that I did not want my payment automatically deposited into my account. I wanted a check. I was a little over {$200.00} overdrawn at that time.. I was told this would be done. I received my SSI check but my Social Security check went into my account - reducing the money I received by the overdraft. Again, no money to live on. Hopefully, Social Security will send me a check for XXXX XXXX.
Product: Debt collection

Creditor Information I C SYSTEM XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX this company has placed a collection on my account for XXXX. My final bill with XXXX was not $ XXXX.I had a monthly payment plan of {$200.00} This is 2nd time has place a fraudulent account on to credit report.
Product: Prepaid card

Hi, I received American Express gift cards from the company I work for. Starting two years ago, Ive tried to use the cards to pay for vacations. The first time two years ago, I tried to pay XXXX XXXX for the exact amount of the card which was {$500.00}. It was declined. I later found the reason is because either Amex or XXXX XXXX attempt to charge 15 % higher than the amount. So it declines. That was approximately two years ago. A year ago, I attempted to do the same with XXXX XXXX XXXX, and same thing. It got decline. Later that day, I was grocery shopping and noticed that my local grocery store, XXXX, had XXXX gift cards. I purchased a {$500.00} XXXX gift card with no problem. I then used the {$500.00} XXXX gift card to finalize my purchase. So either Amex or the cruise lines are not allow a purchase to go through because of the 15 % over purchase price. If I had them enter a lower amount with XXXX XXXX, it went through. Two weeks ago I tried to do the same with XXXX XXXX and same thing. They put the purchase amount through with exactly 15 % over the purchase price showing pending that takes 7-10 days to drop off. I had to wait 7 days for the 15 % to drop off as pending so I could use the remaining balance. Then, a few days ago I tried to book a XXXX flight, and same thing, 15 % over the purchase price showed pending for 7 days. I called Amex and they said the airlines are the ones that put a hold so I called both XXXX and XXXX and they both told me that they are not holding a 15 % charge over the purchase amount. The Amex customer service rep told me this is typical of merchants to do that. Why? Makes no sense for them to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have inquiries that are not mine and few accounts that appeared just recently. I am victim of identity theft and I feel that my personal information was used or I guess its poor reporting and bureaus just filed unknown items to my personal report. They are killing my score, please figure out why I have them and delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account COMENITYCAPITAL/EL D is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit reports and found some inaccuracies that I am demanding GreenSky and credit bureaus to correct. I sent a letter, certified mail, to all credit bureaus stating the issue and requested the information be corrected. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The account is stated to be active with GreenSky, but it was closed on XX/XX/2019 ( XXXX ) XXXX and XX/XX/2019 ( XXXX ), on corresponding credit bureaus. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The current balance is reported to be {$890.00} on my credit reports, but with GreenSky it is reported to be {$870.00}. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation for those two companies?