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

Menus on many non-bank ATMs navigate directly to " check account balance '' prior to making a withdrawal. I never need to check my balance when visiting an ATM to make a withdrawal, but with some ATMs, the user is given no choice in the matter. My bank ( PNC Bank ) charges a fee for each inquiry in addition to the non-network withdrawal fee, and in further addition to the fee charged by the ATM servicer. This can result in fees of 9 % or more, regardless of the amount of the withdrawal.
Product: Credit card or prepaid card

CONDUENT lies about sending the Payroll Card. Does not exist, or they just chose to withhold it from me. That is outright discriminatory. 
The paycheck due on XX/XX/XXXX, is not paid to me until XX/XX/XXXX, at which time the only deductions that should have been taken would be payroll taxes and nothing else. 
I had in XXXX hours + XXXX  day of holiday pay, and Conduent had me verify that XXXX  times on XX/XX/XXXX. Paid for only XXXX hours. 
Deductions for XXXX  and others should NOT have been taken as Company closed my benefits as of XX/XX/XXXX. 
Missing day of pay XXXX hours at $ XXXX = XXXX XXXX  = XXXX ; the company just keeps it at end of the year as I can not access/use XXXX = XXXX XXXX XXXX = XXXX Vision = XXXX earned sick pay XXXX hours Medical XXXX Short Term Disability = XXXX Missing pay and wrong deductions = over {$XXXX}, XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX still have a collection debt that has since been removed on other bureaus. I'm requesting permanent removal of this debt
Product: Student loan

On XX/XX/XXXX of XXXX. I sent a message request via the MOHELA app requesting refunds for payments made during the pandemic XX/XX/XXXX to XX/XX/XXXX under the CARES Act. The following payments were made to XXXX during the pandemic. 

XX/XX/XXXX - {$320.00} from XXXX Checking ending in XXXX XX/XX/XXXX - {$4400.00} from XXXX Checking ending in XXXX XX/XX/XXXX - {$2400.00} from XXXX Checking ending in XXXX XX/XX/XXXX - {$15000.00} from XXXX Savings ending in XXXX XX/XX/XXXX - {$14000.00} from XXXX Savings ending in XXXX XX/XX/XXXX - {$12000.00} from XXXX Savings ending in XXXX Total amount comes to {$49000.00}. These amounts were taking from my bank statements which I have copies of. 

I got a response via message on XX/XX/XXXX verifying my request, confirming that it was in process. My principal balance and interest increased within 2 weeks of the request. 

I called MOHELA on XX/XX/XXXX and was on hold for 1 hour and 49 mins until my call was dropped. I then message MOHELA via the app asking for an update. 

I never received any update via message. During the month prior to payments restarted I accumulated interest on my increased balance that I had not been paid. I enrolled in the SAVE plan but the interest that accrued prior to XXXX will be added to my balance. 

I called again on XX/XX/XXXX, a month later and was told it takes up to 3 months for Treasury to send out payments AND that they will receive a notification from the treasury when they send out the payments. That I could call them to check if that notification had been sent. So far as of today, on XX/XX/XXXX, well over past the 3 months they still have no answer. Despite adding this money back to my principal. 

On XX/XX/XXXX, I received a message from MOHELA via the app that I was noted to have called and therefore they assume my matter was handled. It was not. I called over a month after I sent the message that they never replied to, I did that because I couldn't get a hold of anyone on the phone. The gave me a non-reply over 40 days later. 

I called today ( XX/XX/XXXX ) and got the same misinformation and that it was not their problem. I requested the refund from MOHELA as I was required to do. It is their problem. I don't expect them to send me the checks, but it is their responsibility to make sure my request is being handled in a timely manner. There has been no verification if my request received by the treasury has any issues or not. 

I believe I have called MOHELA more than enough and I never get quite the same answer from them. I am owed {$49000.00} from MOHELA via the treasury. Please help me figure out how to complete this refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an online investigation to this credit bureau. I disputed a lot of accounts & inquires on my report that I do not recognize. I believe that this company did not conduct a proper verification. The notes said the inquires were factual records. But I don't have any information on where they came from. I wrote the companies, but I did not receive a reply. I want a proper verification conducted and now I want all open accounts, collections, inquires, and judgements verified. I also want to know how these accounts are verified. I think I am within my right to ask how their 3 rd parties verifies information as well. I did contact the bankruptcy court who informed me that they do no provide information to 3rd parties. So I definitely want to know ( 1 ) the name of the person who went to the courthouse, ( 2 ) the name, job title, and phone number of the person whom they spoke to, ( 3 ) and I want a copy of all documentation  presented and received. I am still concerned about identity theft and fraud since I am past victims. In the past, my exhusband information was comigled with mine and it took forever for someone to fix it. I do not want someone using my information to credit fictitious accounts to hurt my credit.
Product: Credit reporting or other personal consumer reports

last month when i applied for a mortgage at XXXX XXXX XXXX i was made aware that i owe XXXX  XXXX XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.
Product: Debt collection

They have been calling and harassing my employer, my parents, my kids while they are at school my in-laws, sister-in-inlaws being very rude to them threating them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX has violated my rights. 

1

5 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have XXXX Items that do not belong to me on all three of my Credit Reports ( XXXX, XXXX, and Equifax ). For the past 2 years I have been fighting to have these items removed. Several of my letters have requested that they send me proof that the debt belongs to me. The bureaus are returning messages stating that the debt has been verified. They have said they verified the debt with the actual Creditor, But how has this debit been verified? no one has sent me any signature ID or anything that would confirm that I indeed have an account with the creditor. 

Over a month ago I sent certified letters to all three bureaus ( XXXX, XXXX, and Equifax ), requesting an investigation of the the items on my report that were incorrect. 

1. XXXX  XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, Equifax ) 2. XXXX XXXX xxxxxxxxxxxx XXXX ( XXXX, XXXX, Equifax ) 3. XXXX XXXX xxxxxxxxxxxxxxxx XXXX ( XXXX, XXXX, Equifax ) 4. XXXX xxxxxxxxxxxx XXXX ( Equifax ) Not to Mention there are address that do not belong to me appearing on all three reports in which I've already sent in proof of address. These address should not appear as it does not belong to me. Where are they furnishing these addresses from, once agile im being told its from the Creditor, however if these accounts are not mine how can the Creditor verify an incorrect address? 

XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX I received responses from XXXX  XXXX, XXXX and XXXX. All of which have either an incorrect address. They also have no proof that the account belongs to me. No ID no proof of signature. They are Falsely Reporting items on my report that have hindered me from getting a mortgage to purchase a home and purchase a vehicle. 

Also XXXX took me to court and as of XX/XX/2022 the case was dismissed with no Prejudice. XXXX XXXX submitted an application for said loan however, it does not have my signature it has an Initial and it also doesn't contain where someone witnessed me signing for this load with their signature. 

I will attach the Documents that were sent to me including a FTC report I filed and sent to the Bureaus in XX/XX/2022. 

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED. THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code {$1600.00} ( A ) ( 2 ), 15 usc 1692j ( a ). and 15 usc 1681e ( b ).
Product: Checking or savings account

On XX/XX/2023, I was in the process of getting my own rental. I had spoken with this lady by the name of XXXX XXXX who was claiming she owned the property. I mistakenly gave away my SSN and information to this person, who in return hacked my Chime account, and proceeded to steal {$1000.00} from my account. The email was XXXX who stole my money. I had filed a Police report against XXXX like Chime had asked me to do. This police report would be used a reference for the dispute investigation. I went through XXXX different investigations, just for Chime to tell me, that there was no error and that they contacted XXXX ( the supposed merchant ). I fell victim to a scam, and at the end of the day, my own bank in result, closed my account but left XXXX XXXX completely open.
Product: Debt collection

Hi, Couple of things : Any outstanding balance was already paid to the original creditor ( XXXX physical therapy ) and there is no outstanding balance. 

I received no written notice about this debt nor did I receive any notice that a debt collector was trying to contact me. 

The debt collector damaged my credit for a small sum of money ( {$85.00} ) without properly notifying me that there was an attempt to collect a debt. Ive never received any written notice from this debt collector. Any outstanding balance from XXXX was paid directly to XXXX in XXXX. 

The amount this damaged my credit far exceeds the sum of the amount owed. This illegal attempt to collect a debt I do not owe reduces my score by nearly XXXX points. We are looking to refinance our home and this significantly increases the cost of the refinance.
Product: Mortgage

My property is currently in foreclosure. I am trying to get the mortgage modified and have submitted the required documentation on multiple occasions ; but the bank keep denying the application because I failed to submit the required documentation. I have submitted everything the bank asked for each time and on the last XXXX applications I submitted additional information ; for instance, they asked for two months of bank statements so I sent XXXX, etc. There is s breakdown in communication between myself and the bank because they are not permitted to speak directly to me ; I have to go through their lawyers via our lawyer. Our lawyer has asked on several occasions for them to allow their client ( the bank ) to deal directly with me to clarify documentation requests and avoid the modification being denied again but they are not cooperating at all and the bank remains in the distance. I am on the verge of getting my application denied again simply because it takes too long to get information down the very long chain of lawyers to be able to act within the time constraints of the banks requests.
Product: Checking or savings account

Due to the recent data breach that has compromised my personal information, I firmly believe that the best course of action to resolve this situation is to remove any unauthorized items from my credit report. The presence of accounts and inquiries that I did not authorize is not only distressing but also unfair, as it negatively impacts my creditworthiness and financial stability. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumers have the right to dispute inaccuracies on their credit reports, and I am exercising that right in light of this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

Citi has locked my account due to suspected fraud and they are unable to unlock the account because they can not verify my phone number. It is the same phone number I used to open the account and the only phone number I've ever had on file with them. I am waiting to receive a letter, which has not come. It is the number I am calling them on, and they can not recognize it. The account is fully paid, and I simply want to close it. They will not close the account. I've called them five times to try to resolve this and they will not escalate my case or utilize any other verification method.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts immediately.
Product: Mortgage

I have my current mortgage with PHH Mortgage for the past XXXX years of a XXXX year mortgage at XXXX % ( $ 2210 monthly mortgage payment ). My application for refinance to XXXX % that would have reduced my monthly payment to {$1700.00} was denied for a flimsy reason of " inadequate debt to income ratio ''. This was after repayments of all outstanding issues on my credit as instructed by the company to the tune of almost {$5000.00}. I 've always maintained XXXX income sources XXXX XXXX time and Full Time ) with the following gross income streams from my XXXX positions : XX/XX/XXXX - {$110000.00} XX/XX/XXXX - {$130000.00} XX/XX/XXXX - {$100000.00} XX/XX/XXXX - {$94.00}, XXXX The argument as presented to me was that i changed my full time job XXXX months ago hence any income from there can not be used even though there is no gap in full time or part time employment in the past XXXX years. So they arrived at their " inadequate debt to income ratio '' conclusion using only my part time employment. This is a very odd position that brought me to either of XXXX conclusions : XXXX. The company did not want to change the status quo since i 'm already paying at XXXX %. So there is no incentive to go along with the refinance or. 
XXXX. I fit into a category of borrowers that do not understand how the numbers or financing work. 
I have already spent about {$5000.00} as instructed by the company 's loan originators to settle outstanding issues on my credit. This also did not include the emotional toll that the process have put me through. This is very unfair practice that need to be looked into. Thank you for your time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian is showing the account with XXXX as a collection account from XXXX to XXXX. This account was paid off and should be showing a XXXX BALANCE. However, Experian is not showing the XXXX BALANCE THAT NOTHING IS OWED ON THIS ACCOUNT. 

IN ADDITION REMOVE THE COLLECTION STATUS IF THE ACCOUNT WAS PAID OFF. HOW ARE YOU STILL REPORTING COLLECTION IF PAID OFF? 

ALSO, THIS ACCOUNT NEEDS TO SHOW XXXX BALANCE AND NOT WRITTEN OFF XXXX BECAUSE THAT IS A LIE XXXX WAS NOT WRITTEN OFF. 

I HAVE SPOKEN TO XXXX AND THEY STATED YOUR INFORMATION IS INCORRECT.
Product: Vehicle loan or lease

I have attempted to contact the Toyota Motor Credit Company regarding the settlement ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The settlement administrator has not responded to the claim I submitted or status emails.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTY Theft Report Attached The following inquiries are fraudulent on my equifax credit report Equifax Fraudulent Inquiries XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for refusing to correct outdated and inaccurate personal information on my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Experian has continued to include incorrect versions of my name and addresses where I have never resided. I have provided my current, verified personal information ; however, Experian has failed to update my report accurately. 

Violations of the FCRA : Inaccurate Information Reporting ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit bureaus are required to maintain accurate and verifiable consumer information. Experians refusal to update my report, even after I provided verified information, violates this requirement and affects my creditworthiness. 

Inclusion of Unauthorized Information Experians retention of incorrect names and outdated addresses without my authorization infringes on my rights to accurate reporting. Retaining unauthorized data that I did not validate is not only inaccurate but also damaging to my credit history. 

Impact on My Financial Standing : The presence of incorrect names and outdated addresses on my credit report is negatively impacting my credit score, harming my financial reputation, and limiting my access to credit. This lack of accurate information has created barriers to my ability to conduct personal and financial transactions.
Product: Credit reporting

they deleted it now it back on this was never my account identity theft, fraud ExperianXXXX XXXX XXXX XXXX, TX XXXX XXXXAccount numberXXXXRecent balance {$720.00} as of XXXX/XXXX/2015
Product: Credit card

On XX/XX/XXXX at XXXX, I called Barclay 's customer service XXXX on my wife 's behalf, to ensure a payment of {$7600.00} that I was about to make, would be properly credited to balance transfer promotion that was expiring XX/XX/XXXX. I was told by the Rep that it would be. This left balances of {$3400.00} and {$3600.00}, both with a promotional rate of 2.99 %, expiring on XX/XX/XXXX. On XX/XX/XXXX, I saw my statement, which showed an interest charge of {$170.00} and the promotional end dates of balances left were blank. This is when I sent my first secure message. Their answer was that it was a balance transfer fee although no balance transfer had taken place. I sent another message on XX/XX/XXXX questioning this. Their answer was they reserve the right to change how my payments are applied. More messages were exchanged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which resolved nothing. I have reduced the account to zero because I will not pay 30 % interest to anybody. I should not be paying {$170.00} in interest for last month plus the interest for this month. I called to avoid a situation such as this and yet here we are because of the disingenuous actions on the part of Barclays Bank.
Product: Debt collection

there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.

FTC is attached of identity theft report