23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called claiming they were going to sue us over a XXXX year old debt in the amount of XXXX which we do not believe exist. States they will settle for XXXX other wise will go to court and garnish wages and sue us.
Product: Credit card or prepaid card

On my Costco/Citi statement due XX/XX/XXXX, I had a statement balance of {$61.00} and went online today, XXXX to pay it. After the statement closing date I had returned a couple of items, leaving a balance owed on this statement of {$14.00}. 

When I clicked on the PAY button, I was shown 3 options : Pay the minimum due of {$35.00} ; Pay the remaining amount on the statement due of {$14.00} ; Pay the total currently owed of $ XXXXsomething. 

However, when I clicked on the {$14.00}, I wasn't allowed to pay that amount. I had to pay the minimum shown on the statement of {$35.00}, thereby overpaying by {$20.00}. 

I called about this and was told by the customer rep that yes, she could easily see the problem, but that was the rule and she could only make note of it for the future. 

This is quite a scam by Citi. This forced overpayment is a small amount, and is an accounting inconvenience for me, but much more importantly, Citi is using my money and that of others for free, probably totaling hundreds of thousands of dollars per month. It isn't correct, it is a rip-off and I believe that your Bureau should make them change the practice.
Product: Debt collection

On XX/XX/XXXX I contacted AFNI who is a third party collection agency located in Illinois to settle a subrogation claim. Upon contacting them they failed to advise of the debt, charged me a fee in order to process my payment which is not legal in Washington state where I reside, and ran my debit card as a credit card which is against the CFPB regulations. They are refusing to provide any receipt that I paid my bill until five business days and when I called to resolve these issues I was at first placed on hold then transferred to a voicemail with no ID, then talked to abusively by XXXX in the compliance department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WAKEFIELD & ASSOCIATES used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WAKEFIELD & ASSOCIATES reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Bank account or service

This is in regards to case XXXX. I 'm fighting First Hawaiian Bank, they are looking for unjust compensation for a mistake one of their younger representatives made by releasing to me money from an uncleared check. A check that totaled {$2600.00}. The FHB policy states that I should have only been given {$200.00} of the {$2600.00} until the check had cleared. It never did, but that did n't stop their unprofessional and obviously unaware staff from releasing to me ALL the money THE DAY OF. It also seems that the ambassador FHB had chosen to dispute my last response on the CFPB website had n't done their research either. I had an overdraft fee almost every month I had been a member of their bank. But why would they withhold and deny me that information? I am disputing this, I have received letters from collection companies sent to my address harassing me to pay. I will not be held responsible for a mistake THEY made. I was handed money that should n't have yet existed until it had been verified. I refuse to be bullied and taken for by a bank that could have easily AVOIDED this problem. First Hawaiian Bank could have just as easily prevented this.
Product: Vehicle loan or lease

I am the administrator of my mother 's estate.On, or about, XX/XX/XXXX I went to the Florida DMV in XXXX to obtain a copy of the title for my mother 's XXXX car. Even though my mother had paid cash for the new vehicle there appeared to be an electronic Lien placed on the vehicle by Ally. I went home and contacted Ally, they informed me they did not have any record of a loan and said they would issue a paper release of lien which they provided on or about XX/XX/XXXX. With this paper release I went back to DMV and was informed I needed an electronic release of lien. I, then again, contacted ALLY and was told a release would be issued within 24-48 hours. This did not take place. ALLY was again contacted and after much run around, I was now told they do not issue e-releases and we would need to go to the dealership where the vehicle was purchased. That dealership is no longer in business. On XXXX XXXX I did go to XXXX XXXX of XXXX which had purchased the dealership. The financial officer was very helpful and while I was in his office, he spent approximately an hour and half until finally speaking with an ALLY supervisor who identified themselves as XXXX. This person again confirmed that a release would be efiled within 24-48 hours ; once again this did not take place. Currently, ALLY is denying me access to my mother 's car, as I can not register or sell the vehicle. This is causing me much emotional distress.
Product: Credit card

My wife and I inadvertently provided my Target credit card number over the phone on XX/XX/year> to what turned out to be a fraudulent operation. Immediately upon recognizing the problem I hung up and contacted Target. I explained the situation, asked that any order placed on the card be cancelled and that I be issued a new credit card number. I contacted them IMMEDIATELY. Target issued me a new credit card number but did not cancel an order that had been placed for two ( 2 ) gift cards in the amount of {$350.00} each for a total of {$700.00}. Target should have cancelled the order immediately such that even if the gift cards had been sent electronically they would be cancelled and could not be used to purchase goods. Targets failed to act accordingly and in my best interest. 

Target denied my fraud claim for the two ( 2 ) {$350.00} gift cards and Target failed to both cancel the gift cards and any order having to do with such gift cards upon our request. It is incumbent upon Target to act in the customers best interest. Target failed by not enacting the most basic step when an order is identified as fraudulent. As such any damages must be borne by Target for such failure. Target has based their denying my fraud claim on the basis that I " willingly '' provided my credit card number. Ok, I did. But Target failed to cancel such order or cancel use of the cards as they had sufficient time to do so as i contacted them immediately. Targets denial of my fraud claim is one-sided and self serving. Additionally, Targets failure to cancel the gift cards puts the burden of loss upon Target. 

I contacted Target by phone and via letter ( Three times ) without their accepting responsibility.
Product: Student loan

PNC hasn't responded with the WRITTEN RESPONSE it was supposed to submit on here and mail to my po box . Not sure what the hold up is. Now I am being told the servicer that handles the loan is limiting written responses to me for whatever reason. I would like PNC to actually put in writing the EXACT reason why they are denying my discharge due to proven school misconduct.
Product: Debt collection

They calling my house and asking to speak to my daughter, when they are told she does n't live here they tell me that I am lying and they will continue to call me XXXX Times a day if they want to, they wo n't give me thier address so I can send a cease and desist letter so I told them to cease and desist calling but they continue to call the name of the company is security credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquires showing on my credit report on dates XXXX, XXXX, phone number XXXX XXXX XXXX XXXXXXXX XXXX
Product: Prepaid card

XXXX XXXX issued me a Bank of America prepaid visa card in the amount of {$450.00} in XX/XX/XXXX. The prepaid card says it is valid through XX/XX/XXXX. I called Bank of America twice in XX/XX/XXXX who say that they have retained the unspent balance of {$450.00} and will not release it to me.
Product: Student loan

I had a transfer of loan servicer to Mohela when my previous XXXX XXXX  was transferred to other companies. My employer pays my loan payment for me. When they switched they requested a XXXX from Mohela. I called in XXXX, the service representative did not know what I was talking about and instructed me to wait for something in the mail. I called again in XXXX. Same response. I then argued with the accounting department at my employer to verify that what they were saying was correct. I sent an email message on XX/XX/2022 regarding the same. I still have not received a response. I then called again on XX/XX/2022 and received different information that I was to upload a form. I uploaded the formed on that same day and the representative I spoke to verified that she could see it and that it would be handled within XXXX business days. I have just received a message that there is a delay in responding to my form. I have taken a half-day off of work to wait on hold now twice and I have now missed out on {$6600.00} of loan repayment from my employer in the last 4 months due to delays in this form by either misinformation or delays coming directly from Mohela employees . I would like to file an official complaint with Mohela, and the CFPB. I would like consideration for transfer to another loan servicer if at all possible.
Product: Credit reporting or other personal consumer reports

Exeter Finance was an account that was paid off back in XXXX. This account was reported on and is still on my credit report. This account was closed, and the company received their pay off for the vehicle that was financed. I would like this account removed from my credit report. Also if Exeter Finance disagree, I would like documents supporting that they have not been paid off for this loan sent to the address on file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed Chase and XXXX accounts and hard inquiries ( XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent EXPERIAN a NOTICE regarding adverse accounts appearing on my consumer report, as of XXXX, XXXX  I have not received a response. This is the NOTICE I sent EXPERIAN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN is the Consumer Reporting Agency and I am the Consumer.

15 USC 1681 602a ( 4 ) of the FAIR CREDIT REPORTING ACT, " There is a need to insure that Consumer Reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6801 ( a ), " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681b a ( 2 ), " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 15 USC 1681C ( a ) ( 5 ), " Except as authorized under subsection ( b ), 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. '' I have been granted the right to ensure my private information isn't shared and I was never informed of my right to exercise my nondisclosure option. The above re : accounts are adverse items and are reporting without my permission and EXPERIAN is not maintaining reasonable procedures. I require Deletion of re : accounts Also, 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. This is NOTICE that I am opting out of your reporting services of the above mentioned re : accounts. The financial institution and the Consumer Reporting Agencies EXPERIAN do not have my consent to furnish this information and they certainly do not have my written consent. To be clear, any and all consent to EXPERIAN, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED on the ABOVE MENTIONED RE : ACCOUNTS.

Exercising my protected Consumer Rights,
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 the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Sent certified letter XXXX  days ago requesting validation of debt with no response.
Product: Debt collection

STarted on XX/XX/2020 until today XX/XX/2020, calls will begin before XXXX XXXX  and even received many calls at XXXX XXXX!!! I have made payment arrangements with Comenity Bank and asked NOT to call as my payment arrangements have been accepted. They call 10-20 times EVERY DAY
Product: Credit reporting or other personal consumer reports

Transunion are reporting the lowest possible score to banks and lenders. Such as words like derogatory, garnishment, repossession, too many delinquent accounts. None of which is true. 
No garnishments No delinquency No reposession They boldly highlight a bankruptcy that was result of fraud by XXXX causing extreme financial stress. 

They continue to show Government Residences year after year as a debt owed when they owe me!!! Must be removed immediately. My bank denied me credit as a result of this malicious and inaccurate report My credit score with XXXX is almostvXXXX a dc with Transunion only XXXX!!!!! This needs to be corrected right away. They are showing the worst report to lenders with inaccurate information about me!!!! Has ton stop!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 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 1666b : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud from the XXXX data leak and am very worried about my identity being stolen again. I opted out of having my data sold to lenders on XXXX  but keep getting offers in the mail. I then learned I had selected opt-in not opt-out. I have very poor XXXX  and only have a XXXX XXXX and could barely see what was on the screen. It was very difficult to fill out the form with it being so tiny and hard to use. This is the only way you can stop offers and it should be easier to use. Not everyone has a desktop. Its discriminatory please fix
Product: Student loan

i was told that if I consolidated all my student loans that all old late payments and charge offs would be removed from all three reports. XX/XX/2018 my loans were consolidated and items still on report. also have XXXX XXXX XXXX helping with credit repair since XX/XX/2018. They have gotten a lot of the late payments removed. Still have about 68 items left between all three reports left.
Product: Credit reporting or other personal consumer reports

This is my THIRD NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 


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

These are not my accounts. Please remove them my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to discuss removing the late payments marks on my file. They told me they couldn't and they were valid. However, the charges and amounts are invalid. The principle they say I have to pay has other balances that are not to be paid by the customer.
Product: Credit reporting

I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were XXXX repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the XXXX and the XXXX on the same loan. I have the paper stating they repossessed the XXXX and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the XXXX van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is XXXX %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my Equifax and XXXX credit report was reported as lost/stolen : XXXX XXXX XXXX , {$1100.00} and XXXX XXXX XXXX , {$760.00}. My XXXX XXXX XXXX and XXXX XXXX XXXX credit card was reported as lost/stolen and the balance on my lost/stolen XXXX  XXXX XXXX and XXXX XXXX credit card account is all fraudulent and unauthorized charges/transactions. The debt collection account from XXXX XXXX , XXXX {$360.00} is a fraudulent account and not my debt collection account. The following credit inquiries currently listed on my Equifax credit report is fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX , XX/XX/XXXX, XXXX, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : 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 XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent/PYOD LLC . is reporting a debt of an original creditor, XXXX XXXX XXXX, which has been discharged by a XXXX XXXX bankruptcy in 2012. I previously requested through the dispute process of the credit bureaus, that the company provide the original contract for this account as part of the validation process. As a response to my request, I received a letter from their company requesting that I call their office. I understand that they are required to fully verify the above disputed items within 30 days, or they must delete the item from my credit report. It is also my understanding that they are required to do this under the FCRA 609/611 provisions. I have reason to believe that they are illegally collecting and reporting on a debt included in my bankruptcy. 

Thank you