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

On XX/XX/XXXX in early afternoon ; I deposited a check in the amount of {$470.00} at the atm drive through at PNC Bank on XXXX XXXX XXXX XXXX XXXX, Pa XXXX. 
The atm glitch screen when blank took the check, I hit cancel traction it kept my check and showed on my receipt it deposit check! I went to drive through window spoke to the teller on what had transpired. She asked if I could come which I couldnt due to me on my way to work and didnt get off til after the bank closes. She than suggested I call customer service to handle the problem which I did immediately. The customer service rep credited my account with the funds. A months and half later I get a letter in the mail stating they were deducting {$50.00} due to the amount of the check and the letter also stated I could request proof of documentation of how they determined that amount. So I called them explain everything again & ask for prof of documentation and copy of the actual check. I was 4 different times by several different reps on different calls they couldnt find the check or provide proof of how they determine that amount. I needed to provide proof of the check, I said how if the atm took it before I could even get a copy of the image of the check! I than went to the person who actually wrote the check out to me she went to the bank on XXXX XXXX personally it was denied access to any copy of her cleared written checks for that month! Claimed they do not provide that service she than closed her account which she has been a customer their since 12 years of age. I than went to my local bank in XXXX Pa explain everything ; a request was put in for a rep to call me and I received an email from a XXXX XXXX executive client relations that I would need proof of the check! Exact same runaround but they refused to give proof of the check or documentation on how they came up with that amount!! This so unfair & unlawful practices on their part. I want my money back in my account & apology!
Product: Consumer Loan

XXXX and XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My husband and I did a debt consolidation loan in XXXX. All debts were included with the exception of the mortgage and car loans. There is currently a debt with a company called XXXX XXXX for {$3200.00}, that I have never heard of, nor received anything regarding what this so called debt is about. I disputed with XXXX and TransUnion. It is no longer on my XXXX, but still remains on TransUnion.
Product: Credit card or prepaid card

Comenity Bank website hasn't be up for a XXXX XXXX XXXX  holders cant access accounts, make payments to store cards COmenity Bank finances or the COmentiy Bank XXXX XXXX XXXX XXXX cards being declined, accounts being closed, on-line accounts being locked out, XXXX XXXX XXXX replies range between XXXX different automated answers like BOTS are sending them, their customer service number isn't being answered, etc. 

Examples of the generic responses are : 1. " We are currently undergoing a planned system update that has taken longer than expected. If you are trying to contact us online or by phone, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' 2. " Thank you for your feedback. Knowing what matters to you is how we can improve in the future. We are performing a scheduled system update, that has taken longer than expected. Were temporarily unable to see account information and help with certain needs. '' XXXX " Your information is always secured with rigorous protections, including now while we conduct this planned work. We're sorry for the inconvenience and know this might be frustrating. We are working around the clock to complete these updates, as soon as possible. '' There's no news about this anywhere and customers were not informed about this supposed " system maintenance update ''. 

There are thousands of us. 

CHeck XXXX XXXX XXXX
Product: Mortgage

This matter is in regards to HARP Loan # XXXX and Bankruptcy Case # XXXX. 
FACTS 1. On XX/XX/XXXX the Federal Bankruptcy Court approved an ORDER GRANTING MOTION FOR APPROVAL OF HAMP TRIAL PERIOD AGREEMENT. Paragraph # 6 of the above ORDER states Payments made by the Debtor to the Chapter XXXX Trustee constitute timely payments to BANK OF AMERICA. 
2. On XX/XX/XXXX Trustee Check # XXXX in the amount of {$2000.00} was paid to BOA. 
3. On XX/XX/XXXX Trustee Check # XXXX in the amount of {$900.00} was paid to BOA. 
4. On XX/XX/XXXX XXXX XXXX XXXX submitted Cashiers Check # XXXX in the amount of {$540.00} to BOA. 
5. On XX/XX/XXXX A Regular Payment of {$860.00} was posted and applied to XX/XX/XXXX. This was 1 of 3 payments identified in the HARP Modification as Other Deferred Amounts 6. On XX/XX/XXXX A Regular Payment of {$860.00} was posted and applied to XX/XX/XXXX. This was 2 of 3 payments identified in the HARP Modification as Other Deferred Amounts 7. On XX/XX/XXXX A Regular Payment of {$860.00} was posted and applied to XX/XX/XXXX. This was 3 of 3 payments identified in the HARP Modification as Other Deferred Amounts 8. On XX/XX/XXXX A Regular Payment of {$860.00} from XXXX XXXX XXXX was posted and applied to XX/XX/XXXX. 
9. All subsequent payments have been made by XXXX XXXX XXXX. 

ALLEGATIONS 1. Trustee payments in the amount of {$2900.00} were not applied to our HARP Mortgage Modification as directed by the Federal Bankruptcy Court ORDER GRANTING M OTION FOR APPROVAL OF HAMP TRIAL PERIOD AGREEMENT dated XX/XX/XXXX. These payments were applied to our account for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX after the Court approved the HARP Loan Modification Trial Period.

2. A payment from XXXX XXXX XXXX dated XX/XX/XXXX in the amount of {$540.00} was not applied to our HARP Mortgage Modification as directed by the Federal Bankruptcy Court ORDER GRANTING MOTION FOR A PPROVAL OF HAMP TRIAL PERIOD AGREEMENT dated XX/XX/XXXX. This payment was applied to our account for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX after the Court approved the HARP Loan Modification Trial Period.

3. Bank of America, N.A. submitted a Secured Claim of {$220000.00} dated XX/XX/XXXX to the Federal Bankruptcy Court. On XX/XX/XXXX Bank of America, N.A. submitted a MOTION FOR APPROVAL OF HARP TRIAL PERIOD AGREEMENT for a new loan amount of {$220000.00} which the Bankruptcy Court approved. The new loan amount in the HARP TRIAL PERIOD AGREEMENT was {$780.00} greater than the Bank of America, N.A. Secured Claim.

4. Bank of America, N.A. and its legal representative XXXX, XXXX XXXX XXXX have failed to provide us a detailed reconciliation for the HARP TRIAL PERIOD AGREEMENT loan amount referencing C.F.R. 1024.36 stating the request is unduly burdensome.

SETTLEMENT Bank of America, N.A. issue XXXX XXXX XXXX & XXXX XXXX XXXX a check in the amount of {$3400.00} for the payments submitted for the HARP Modified Mortgage Loan which were not applied to the designated loan as specified by the Federal Court Order.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( " XX/XX/year> '' ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get wrong address that I NEVER lived at AND associated with student loans AT that address and all 3 bureaus refuse to do anything to correct this situation or respond AT ALL. 

This is NOT allowing me to refinance, to get business loans, and to do a lot more in the financial world because this incorrect information is killing me! It is hurting my business a lot! Everything I want to do I can not! Enough is enough! These agencies need to be held accountable and do what is right. 

I do not understand how they can act this way and not correct wrong information that is adversely affecting my life! 

I am requesting you hold these 3 credit bureaus responsible and accountable. This is not right nor would I think legal. 

I have filed a police for the record. I also hired XXXX XXXX and paid them to fight for me on this and they are getting zero results because of these bureaus. 

Please contact me with any questions and I thank you in advance for your help/
Product: Credit reporting, credit repair services, or other personal consumer reports

I see things may be inaccurate. Start looking at the high balance. I believe this information may be inaccurate. This needs to be removed now. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$24000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

There continues to be a collection reporting on my consumer credit report from Contract Callers in the amount of {$2000.00}. 

I have disputed this in the past on two occasions and it was removed due to the company and the credit reporting agency unable to provide me with validation regarding this debt. This is not my debt. 

Recently it was once again placed on my consumer credit report using a different open date of XX/XX/2022. I again disputed it and am still unable to get anyone to send me any type of proof or validation concerning this debt. 

My consumer rights are being violated, and no one is taking responsibility for the seriousness of this situation. Therefore, I am making a former complaint to resolve this case once and for all.
Product: Student loan

My loan is through MOHELLA, I have called them time and time again waiting up to 2 hours sometimes, with little to no information about my account when it clearly says my information on my taxes info. Ive been trying to set up a payment plan for a couple months now with no progress ; theyre notorious for changing the payment amounts despite a plan. They dont offer an option to sign up on their website for a payment plan and Im left with no choice but to waste several hours calling them. I have friends who dont even receive an application for months despite signing up and having to call AGAIN for them to process it immediately.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's information on my credit report that is not accurate and i would like it to be removed asap. Its stopping me for getting a home and car and it needs to be removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any written or verbal consent to XXXX, Equifax, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, 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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. 
Proof of any payments or transactions associated with the account. 
Any identifying information you have on record that would associate this account with me. 
Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple request that accounts on my credit report be verified because these loans or amounts were never taken out by myself and aren't mine. Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX  system.

I have attached copies of the letters requesting verification that were sent via USPS certified mail.

1st request- USPS Tracking #  XXXX 2nd Request- USPS Tracking XXXX XXXX
Product: Credit card

I am unable to actually pay my bill, or my balance on the card that I have with Capital One. I got this card XX/XX/XXXX, and I have had several issues regarding Customer Service. As well as with the Fraud Department. I have verified everything I have ever needed to verify. As well as went back and forth between the corporate people at Capital One, and the Fraud Department. I have had to stop payments from going through to their company, because they absolutely refuse to offer a solution for this issue, or any of the other MAJOR issues I have had with this company. I can no longer speak to the corporate office, because they tell me my issue is a, " Fraud Issue ''. This situation has been going on for months, with no end in sight. My account is currently restricted, and the reason/reasons it is currently restricted ( even though proof has been given, as well as many phone calls have been made by my bank to this company ) they are not willing to budge in any way. Even after doing what was asked. I am always told a different story, and I am always connected from corporate to the Fraud Department. I have had nothing but issues with this company, and this card since I opened it. I get plenty of notifications that my bill is due, but why pay the bill when Capital One does n't even know what they are doing? As well as moving me back and forth between rude, and disrespectful people. They have caused nothing but hurdles for me. With NO-WAY to take care of these issues. All I end up with after I have spent almost 2-3 hours on the phone with these people is a pathetic apology. I need to speak with someone that can handle these issues without me being transferred all over the place. I refuse to speak to any more rude/disrespectful Customer Service OR Fraud Department people at Capital One. The past few conversations I have had with Capital One I have had people laugh at me in a mean way. I 've also had people yell at me, along with insult me. I have made several attempts, ( So has my bank ) to clear these issues up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and XXXX have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can Transunion and XXXX verify these accounts Remove all accounts : XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. 

Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. 

Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address XXXX XXXX XXXX XXXX ma XXXX XXXX keep your records straight Failure to address these concerns promptly will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and pursuing legal action under relevant federal and state laws
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information 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 OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX  XXXX XXXX XXXX  Balance : {$970.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00} ; XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX  ) XXXX  Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$200.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$200.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Equifax and was surprised to find a hard inquiry that I did not recognize or authorize. As reference please see the inquiry below : XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned company to access my credit report. Additionally, I have never given XXXX my consent to furnish this information. This inquiry on my credit report is a clear violation of my consumer rights under 15 USC 1681b ( c ).

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report.

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  I got a credit inquiry I didnt authorize.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : Discover : XXXX