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

On XXXX XXXX I deposited a check for the amount of {$1400.00} via the mobile deposit banking app to Citi bank. It was deposited and accepted so it was pending to be pht into my account i was given any acces to use any partial funds at all it was all being held. Come the morning of XXXX XXXX i had access to my account until about XXXX in the morning  which then j was blocked and locked out of my account without being given any reason as to why i was locked out. When i called the customer service center at Citi bank they stated they could not devulge any information to me about my own account after they have verified that i was who i said i was. They also stated that i will stay locked out if my account and they will be keeping my money until they decided they are thoroughly convinced that the check i deposited Was in-fact real at this time they are asking me why i have this check along with what i intend to use it for and that they would do this again even if it came from a family or friend. After i asked to speak to a supervisor they couldnt get one to come to the line after i argued with them over 30 minuets stating that if the check was indeed a fake check then why was it allowed to be 1. ) sent in bia there mobile app. 2 ) rbe accepted after they themselves examined the check. 3 ) state that it was being deposited into my account. But they wont release my account My name is XXXX XXXX account holder at citi bank
Product: Credit card or prepaid card

On XX/XX/XXXX I wrote a heart filled letter to XXXX XXXX XXXX himself to ensure that I would not accumulate any late payment history and informed XXXX XXXX of my situation. XXXX XXXX responded with no empathy and made me feel like I was just a number, no customer should ever have to feel like that. I submitted a document to support my current situation and enrolled into their hardship program with automatic payments to ensure that I would not incur any late payment information on my credit report. I take pride in having a spotless record and % 100 on time payments. I 'm a single father and with a XXXX year old son that motivates me everyday to work harder and strive to be the best father that I can be. Last year me and my son lost everything due to hurricane XXXX on XX/XX/XXXX and currently we are grieving the loss of life, my grandfather and Discover does not make this any easier for us, my life will never be the same and I still feel empty. On XX/XX/XXXX discover reported late information to my report after I agree contractually to take part in their hardship program, I received a letter dated XX/XX/XXXX that did not align with the program I agreed to take part of, the letter contained information that indicates XXXX XXXX did not review my account correctly and no remorse was displayed whatsoever. I informed XXXX XXXX that I 'm improving my credit report so I can obtain financing for a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it is said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said that you have XXXX days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or incorrect on them. 

I demand the following accounts to be verified or removed immediately. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX  ( {$670.00} ) Acct number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$0.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX ( {$1500.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX ( {$1200.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$960.00} ) Acct Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

Acct Name : XXXX XXXX XXXX ( {$650.00} ) Acct Number : 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX is listed on my credit report as a collection in the amount of {$740.00}. This debt to be collected is reported inaccurately.When asked for the original contract to be given none of which has been provided since 2023.This information of a debt owed by a company that has since tried to scam several people in owing a debt for services given by a company unheard of. I ask for this inaccurate information be deleted immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( EXPERIAN ) credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX - Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # - XXXX XXXXXXXX XXXX Account # - XXXX EXPERIAN is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information sole
ly as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EXPERIAN ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX  I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my EQUIFAX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/XXXX XXXX was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Product: Debt collection

I had insurance at the time the appointment was made and I would like for XXXX to stop coming after me. Because I am not responsible.
Product: Checking or savings account

We opened accounts at PNC Bank partly for their safety deposit boxes. We signed up with an agreement of a {$50.00} discount on a box that costed around {$35.00} at the time. They have since upped the price so we must pay {$22.00} for the box now. They are arguing that because they upped the price and didnt change the account benefit they are inline with the agreement. I find this to be shady and unfair business practice. It is an obvious money grab by PNC. I did not agree to pay for the safety deposit box and PNC is unjustly charging customers to increase their bottom line.
Product: Debt collection

On XX/XX/year>, I had a XXXX  procedure for which I pre-paid through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  costs of {$940.00}. The procedure went over the estimated time due to medical necessity ( which was provided to my insurance carrier by my surgeon ). I received a bill from XXXX XXXX XXXX in XXXX, GA, on or around XX/XX/year>. I called XXXX XXXX on XX/XX/year>, as I needed help understanding the invoice ( which indicated a {$6600.00} charge, a {$940.00} patient receipt, and a {$470.00} patient responsibility ). On the call, I provided XXXX XXXX with my insurance information, and I explained that the overtime should be claimed to my insurance company. The customer service representative said she would provide my insurance information to their insurance group, and someone would call me if they had questions. Instead, they sold the invoice to Prince Parker and Associates, a debt collector. This immediately went on my credit report and affected my score. No one ever called me, nor did they attempt to explain the specifics of my invoice ( no minutes or time was provided as I had also asked for this on my call to them ). They did not file a claim on my behalf. 

Interestingly, the XXXX XXXX XXXX ( for unforeseen medical necessity ) sent a similar invoice. I called them with my insurance information. They promptly filed a claim. The claim was paid. 

Even if my insurance did not pay the XXXX  claim, I understood that any overtime for XXXX  would be billed at {$93.00} per XXXX minutes. Again, the specifics were never provided to me by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ), 15 USC et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute.

1. 15 U.S. 1681e ( b ) - accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 U.S. 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 U.S. 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my credit worthiness and should be removed.

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

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

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX Balance Owed : {$0.00} The fact that you are still listing this account as being past due despite the fact that it has been paid in full and has no outstanding amount is a blatant violation of the Fair Credit Reporting Act. I never missed a payment on this account. My records indicate that I never missed a payment on this account, which was paid as agreed. I need you to please either entirely erase the disputed account from this account 's payment history or take care of the late payments. 

XXXX XXXX  XXXX XXXX XXXX : {$1.00}, XXXX You have done nothing despite my repeated attempts to dispute this account and get the payment history updated. I never made late payments for this account, hence the late payments that are shown in the payment history of the account are false. Please update the payment history as soon as you can by deleting the recorded late payments. 

XXXX  XXXX XXXX Balance Owed : {$1100.00} This statement was never late and never will be. I've tried to ask you to alter the payment history since you are putting false and inaccurate information about me on my credit record. I ask that you stop reporting late payments on this account and only provide truthful information going forward. The FCRA requires proper credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax took 35 points away from my credit score for XXXX XXXX trying to collect something they shouldn't have. XXXX and XXXX  removed them from my credit report, after I disputed but Equifax did not. Equifax only closed this account. I never paid or owed them as I paid the original creditor XXXX XXXX XXXX. This seriously effected my credit score, so I contacted Equifax on XX/XX/XXXX. The lady I spoke with was clearly not hearing me, talking about there score model and other factors. I stated there are no other factors for XX/XX/XXXX, XXXX XXXX was the only factor and if you took away 35 points, why haven't I gotten my points back. They were never supposed to be on my credit report, hence XXXX  and XXXX  removing them and giving me my points back. I am writing this complaint because Equifax is not reporting correctly and it is causing me harm. I asked them to fix this and they are not willing to do so. Furthermore, there have been countless complaints against XXXX XXXX and I believe they should either be sued, shut down or both.
Product: Credit reporting or other personal consumer reports

See attached. 
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE REPORTING.
Product: Vehicle loan or lease

Hello. I have been trying to contact anyone and everything for help. 

I am in DIRE need of my title for my vehicle. I moved from Florida to Indiana and I am TRYING to register my car in Indiana. My Florida tags expired XX/XX/XXXX and my LAST indiana 30 day temporary registration expires XX/XX/XXXX. After that date, my car will be illegal to drive. I have been trying to obtain my title from you and Florida since the beginning on XXXX and nothing. I NEED it desperately. I have children who need to be driven around and for school. How is this not able to be done. Please help! I have contacted Hyundai Motor Finance and nothing.
Product: Debt collection

I never received anything from this company ( ASSETCARE LLC according to XXXX  ). The report says the original creditor is " XXXX XXXX XXXX XXXX '' in which I'm not sure what health organization that is but I do reside in XXXX Alabama. I have not had any procedures or treatment done and do not understand this collection for {$1400.00} when I have never even received billing ( because I haven't had anything extensive done ). I feel like it is some type of Medical scam. I filed a dispute with XXXX  in which the result came back as " Accurate as verified by filer. '' which I find concerning. It seems like " one word over another ... ..just because ''. It's accurate because they say so? I ask for proof of some sort. If the CFPB reviews my credit report it will show that my wife and I have NEVER missed paying on anything we owe. I will let this process take it's course before seeking legal counsel. I'm not going to be victimized into paying for something from a collection agency that I know doesn't exist.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Navy Federal Credit Union ( NFCU ) for unlawfully sharing my nonpublic personal information with multiple non-affiliated third party, despite my explicit written notice opting out of such disclosures. 

On XX/XX/2024, I provided NFCU with a written opt-out notice to prevent the sharing of my nonpublic personal information, as permitted under the Gramm-Leach-Bliley Act ( GLBA ), Regulation P and XXXX USC XXXX. 

However, I recently discovered that NFCU shared my nonpublic personal information with XXXX, and XXXX, both of which are non-affiliated third party, in direct violation of my opt-out request. XXXX has been reporting information on my NFCU account ending in XXXX, from XXXX. This unauthorized disclosure constitutes : XXXX. A violation of the Gramm-Leach-Bliley Act ( GLBA ) Specifically, NFCU failed to honor my opt-out request for sharing nonpublic personal information. 
XXXX. A violation of CFPB Regulation P Governing the treatment of consumers private information and requiring financial institutions to respect opt-out elections. 
XXXX. A breach of NFCUs Privacy Policy NFCU explicitly provides opt-out rights to customers. 
XXXX. A violation of XXXX USC XXXX. 

This unlawful disclosure has caused me tremendous financial harm, XXXX  distress and inconvenience. I have not been able to secure me and my family with the needs necessary to pursuing our happiness. I have been denied for necessities like loans and bank accounts. I have been humiliated by my peers for lack of providing adequately and shamed by my family. This has inconvenienced me to the point in which I can only hope to recover.
Product: Debt collection

Called today to see the breakdown of amount owed. Received the amount it has nsf fees I asked for proof of what those fees are for did not get it. They showed my deposit was XXXX I gave them a copy of my lease showing I paid XXXX deposit they said they need more proof I dont even have that bank any longer. They refuse to change the amounts owed saying I have no proof but they cant give me proof of the extra XXXX they are charging me. I moved out once the lease was up the apartment complex kept my deposit. But stating I still owe XXXX which has been on my credit for 5 years. I cant rent no where because of this. XXXX XXXX is saying I have to pay that balance no negotiation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report contains eviction notices from XXXX, XXXX, XXXX, XXXX that need to be removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> MIDLAND CREDIT MANAGEMENXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information on Credit ReportReference : 15 U.S.C . 1681i Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally dispute an item on my credit report, which I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act, specifically Section 15 U.S.C. 1681i, I request that you investigate the following discrepancies. 
The specific item in question is : Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number or Identifying Information ] Disputed Information : [ Briefly explain the inaccurate information, such as balance, payment history, account status, etc. ] I have reviewed my records and believe that this information is incorrect. I request that you thoroughly investigate this matter, and upon completion, provide me with an updated and accurate copy of my credit report. If the information can not be verified, I request that it be removed in accordance with the Fair Credit Reporting Act. 
Enclosed are any relevant documents that support my position, including [ list of supporting documents, if applicable, such as payment receipts, account statements, etc. ]. 
Please acknowledge receipt of this dispute and provide me with the results of your investigation within the 30-day period, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. There is an account on my credit report from XXXX XXXX XXXX XXXX that Transunion refuses to remove. My identity theft report was submitted to them repeatedly asking for removal of this collection account, and I let them know the account was opened fraudulently and not mine. After months of disputes it remains on my credit report.
Product: Vehicle loan or lease

I had a auto loan through XXXX previously and the bank was purchased by PNC. It took me months to actually get access to my account. I finally ( after being hung up on at least 10 times ) got access to my account, got logged in and made a payment. 6 days late... 

That said logged into my account for the second month and tried to make a payment. This time everything appeared normal, except when clicking on submit. Get an error on the page that said the payment couldn't be scheduled. Tried to do a second time, with same error. 

Proceed to try to add a new external account and it informs that I can't have the same account added twice in the online portal. Proceed to delete the original as following directions on the website, and it informs me I have scheduled payments? How could this be? Oh looky there, PNC has now two scheduled payments and 0 ways to unscheduled a payment. Payments they informed errored out so we submitted again. Yet they are still going through. Customer support is not available to fix the issue. 

PNC shouldn't be in charge of managing a XXXX yet alone peoples money and lively hoods. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX