23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is the letter I have submitted to Chase Bank concerning an indicent that accorded in their branch on XXXX XXXX, XX/XX/2015. 
***************I went into your XXXX & XXXX XXXX location today to get a cashier 's check. I was dressed in a t-shirt, sweatpants and tennis shoes. I went to the teller and advised him that I needed a cashier 's check for {$14000.00}. He took my ID and debit card and told me that he would have to get an override. He then proceeds to get Personal Banker XXXX XXXX. 

XXXX XXXX came over and looked me up and down in my t-shirt and sweatpants, and asked me if I have had any deposits from them XXXX XXXX XXXX before. I advised her that I had. She looked at the computer screen again and proceeded to tell me she could not give me a cashier 's check. 

I asked her why she stated that because the money had not " cleared. '' I then asked her if it was because they were not used to cutting cashier checks that large, to which she stated that they issue checks that large all the time. I then explained to her that I have never had this issue before and could go to the XXXX branch and have them issue the check without any problems. She then tells me that they may do so, but it is the branch 's discretion whether or not they issue the check. 

To me, her statement told me that the branch has the right to discriminate against anyone on the basis of their outward appearance. I told her that the money was in my account and available for immediate use, and that she was refusing to give me my own money. She stated that she understood, but could not give me the cashier 's check until the money cleared, when in fact, there was nothing to " clear ''. I left the branch mortified at the way I was treated and I felt as though my money was being held hostage. 

A couple of hours later after changing clothes and putting on some jewelry, I went to the XXXX location. I was there for a mere 5 minutes before walking out with my cashier 's check in hand. 

I am filing a complaint for discrimination, because XXXX XXXX took XXXX look at me and decided that she was not going to release my money, even after I showed her identification. I am not sure if she was taught about companies like XXXX where customers may have investment accounts or if she decided after looking at me that I could not possibly have that amount money and was engaging in some sort of fraud. Whatever the case may have been, she needs more training. I will be forwarding a copy of this email to Consumer Financial Protection Bureau, so my complaint can be recorded, in the hopes that your bank does not continue to treat your customers in this manner. 
**********************I was later contacted by district manager, if I remember correctly her name was XXXX XXXX XXXX She advised that the representative, should have in fact issued the cashiers check because it was an automatic clearing transaction. She stated she was going to talk to the representative and call me back. This was on XXXX XXXX, XX/XX/2015, she has not called me back.
Product: Credit card or prepaid card

I had made a payment on XX/XX/XXXX, I had remaining credit on XX/XX/XXXX and used my last {$57.00} remaining from {$2500.00} limit, so I decided to pay it all off, ( on XX/XX/XXXX ) I paid the present balance of {$2400.00} and after logging in on the next day, after paying off my whole credit card!! They added another {$100.00} out of nowhere! With no proof where it came from!!! Im not okay with that. I already paid my interest fees for this month of {$34.00}, there should be no reason for another invisible amount after I just paid off my card!!
Product: Debt collection

It was brought to my attention that I have a debt collection on my credit ( {$3300.00} ) for a student loan that belongs to my brother who filed bankruptcy in 2015. I am in the process of purchasing a new home through the VA Loan program and can not proceed any further until I get this issue resolve. I am also going through my security clearance update in the military and they showed the debt with a XXXX balance. 

I thank you in advance for your time and support!
Product: Mortgage

As of XX/XX/XXXX, PNC Bank is still reporting my home equity line of credit as " Modified '' to the 3 major credit bureaus, despite the fact that PNC Bank refused to modify it in XXXX or XX/XX/XXXX. 

In XX/XX/XXXX, I I entered into a trial plan agreement to temporarily lower the interest rate with the hope of getting a permanent modification, where PNC Bank would lower the interest rate and put the remaining past due balance into a new amortization schedule, that would lower all of my future payments on the loan. 

I made all 3 trial plan payments as scheduled in XXXX and continued to make payments after that. I provided all of the documentation that PNC Bank requested. In late XXXX or early XXXX, someone from PNC Bank called and told me that my permanent loan modification request was denied because " I had insufficient income in relation to my financial obligations ''. I said that is not true, and even if it was true, the loan modification would help me meet my financial obligations. PNC refused to change its decision. 

On XX/XX/XXXX I made an arrangement to pay the past due balance of {$920.00}. 
Payments for {$460.00} and {$460.00} cleared my bank on XX/XX/XXXX and XX/XX/XXXX, respectively. 

It is like adding insult to injury, and is very misleading that PNC Bank is still reporting the loan as modified. I had tried several times to get PNC to remove " Loan Modified '' from what it reports to the credit bureaus, but PNC refused to do it. I called PNC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I talked to XXXX XXXX in the Retail Escalations Group at ( XXXX ) XXXX, XXXX ( XXXX ) XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX said that Ms. XXXX mailed a copy of the loan modification agreement, the denial letter, and my XXXX account history to me ; however, as of XX/XX/XXXX, I have not received them. Ms. XXXX also told me that my only recourse to the false reporting is to file disputes with the credit bureaus - That is something that I have already been doing, through a third party credit repair company, without success. 

See the attached PDF that has the temporary agreement to lower the interest rate, on of the credit bureau reports that shows " Loan Modified '',  and bank statements that shows my payments to PNC Bank. 

PNC Bank is not fulfilling its obligation to help borrowers who ask for assistance. Although I am current in paying on this loan now, I do not want lies on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ Capital One and three are showing up despite the accounts being paid in full, having zero balances, two being closed, and one being open. Capital One is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

XXXX XXXX is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX  ). How can I get them removed/updated? 

I am desperate right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is important to note, that I am the consumer writing on my personal behalf.

It is apparent that Experian has no concern for the law or for the consumer.

And I am ready take this to the next level.

The laws are clear. And there is blatant ignorance for the laws and my rights.

The fair credit reporting act was not created for the credit bureaus to avoid or bend the laws to benefit their own selfish desires to make monetary gains off the backs of consumers.

These accounts VIOLATE MY FEDERALLY PROTECTED consumer rights to privacy and confidentiality under 15 USC 1681. 

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 USC 1681 section 602 A States that I have to privacy.

15 USC 1681 section 602 A Section 2 : States a consumer reporting agency ( Experian ) can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also filed a complaint with the BBB see attached confirmation number.
Product: Credit reporting or other personal consumer reports

This is my follow-up complaint regarding my initial complaint dated XX/XX/year>. The following accounts contain significant reporting errors and need to be investigated immediately to ensure my credit record is accurate : XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00} -- -- -- -- -Equifax XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXX Balance Owed : {$4700.00} -- -- -- -- XXXX : XXXX XXXX XXXX Balance Owed : {$7700.00} XXXX XXXX  XXXX Balance Owed : {$4900.00}
Product: Credit reporting or other personal consumer reports

I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is falsely reporting false information on my consumer report to insurance companies. LexisNexis is reporting that I was involved in a car accident on or around XXXX XXXX which is false information. I was not involved in any type of accident of traffic violation. LexisNexis also does not have my consent to share my personal information with anyone or any corporation. They are in violation of my Right To Privacy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

EXPERIAN : INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX  INQUIRY ACCOUNT NAME : XXXXXXXX XXXX  DATE : XX/XX/XXXXXXXX  INQUIRY ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/XXXXXXXX XXXXNQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX XXXX : INQUIRY ACCOUNT NAME : XXXXXXXX XXXX XXXX DATE XXXX XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  XXXX  DATE : XX/XX/XXXXXXXX  INQUIRY ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/XXXXXXXX  Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information and pulled hard inquiry on XXXX without my permission.. 
I want my hard inquiry to be removed immediately..
Product: Debt collection

I lived in the retreat XXXX for two years, I was never notified by this company that I owed them any money upon leaving the complex. 9 months go by and I see a pro collect account on my credit score which dropped it, I later received by mail their letter stating that I owe money. I called and attempted to settle the collection by paying half of it, she refused to take the money, or would she send anything to the credit companies letting them know I was never contacted about these fees from the retreat or them. I would like this complaint, to get this collection removed from my credit because I feel they are using my credit line to collect money from young college students.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate service
Product: Debt collection

This debt was established and went to court in 2014, I missed the court date but have since given them court documents where I am only responsible for half the debt. They have told me they don't care and have attached my wages for a large amount- like 30 %. I have a signed court order- where my ex spouse is responsible for thee debt and they have ignored it. 

I am a one income Household supporting XXXX kids, one of which has started college and they refuse to decrease the amount being attached. 

I pay over {$600.00} dollars a month to this company and STILL EACH month they place a negative point on my credit report because interest has gone up. 

I'm in the state of CAlifornia and I don't believe this credit agency Kings CREDIT has acted lawfully or in good faith when it comes to ignoring my request and ignoring the court order given to me by a judge in a courtroom of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After numerous visits to Bank of America branches and phone calls to their customer service, I was consistently directed to different departments without receiving serious attention or assistance in disputing the fraudulent transaction. This lack of coordination and seriousness on the part of Bank of America has made it exceedingly difficult for me to recover funds from the scam.Although Bank of America initially agreed to open a claim for me as a scam victim, the process became further complicated when I was asked to sign and return a Scam Victim Acknowledgment form. Despite complying with this request, the bank provided no further communication or explanation regarding the status of my claim. Subsequent inquiries were met with vague responses, stating that the claim was handled by a different department, and I was left waiting for a response that never came. 

The specific incident involves payments made to XXXX XXXX, totaling {$5500.00} ( check numbers # XXXX for {$2000.00} and # XXXX for {$3500.00} ). XXXX XXXX has been identified as a scam operation, as evidenced by a fine of {$2400.00} imposed by the Department of Professional and Occupational Regulation ( DPOR ) on XX/XX/2020. Despite these findings, XXXX XXXX has refused to return the money or rectify the situation. It's important to note that the funds used for these payments were obtained through a home equity loan from Bank of America.
Product: Checking or savings account

I am a XXXX XXXX XXXXXXXX that has been living in the Philippines since 2006 and Citizens Business Bank knows this, and they have been sending me my ATM Card every 3 years so I can withdraw funds to live on, but recently they were very, very slow in renewing my ATM Card as it took 2 months to receive. During the first 3 calls to XXXX XXXX  I was told the card had been sent but on the 4th call I was told they would NOT be sending a ATM Card after all. I was furious as I was LIED to and we were/are desperately in need of funds for food and to keep the lights on but XXXX did not and does not care!! I have been their customer for 34 years ( some of those years while the bank had another name ) and I was deeply hurt... more like crushed to be treated so unprofessionally. 
I finally received the ATM Card and called to activate same and was seemingly successful only to discover the ATM Card didn't work while attempting to use it on multiple occasions. 
I called the ATM / Debit Card Hotline for help and they could help me because they said my records where not " up to date. '' They wanted to send me a verification code to an old cellphone number that I no longer use. I was stuck and locked out AGAIN, so remain so to this very day. I suggested that they send to code to my e-mail address which they have on file and the one I use for verification and bank account login but they said it was the wrong e-mail address ... which is crazy because it's the same e-mail address that " again '' the send me regular emails too. 
Bottom line is we need funds and we need funds NOW!! XXXX is even blocking the use of my Online XXXX XXXX Account which I have used several times before due to the late arrival of previous ATM Cards. Thus, they have completely shut me down in every way ( at this time ) to access funds and they are heartless and don't care!! They have said they would snail mail me " checks '' so I could open a local bank account and deposit said check but that process will take about 2 months as there is a month hold on a foreign check here until it clears. This is a Total Nightmare and I need HELP Immediately!! Thanks in advance ... as I quote : XXXX, XXXX XXXX To : XXXX ' Cc : # XXXX Wed, XX/XX/XXXX at XXXX AM Good Afternoon XXXX XXXX It seems we will be able to send you checks the cost will be {$59.00} as the shipping is extra to go out of the country. Please confirm the mailing address. We currently show : XXXX XXXX XXXX XXXX XXXX XXXX Is this correct? 



XXXX XXXX is not an option with Citizens Business Bank. 



Thank you, XXXX XXXX | Service Support XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX P XXXX | F XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the  model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

XXXX XXXX  is reporting the folling cases XXXX  under a XXXX XXXX case XXXX under a XXXX XXXX   and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX.. I have had only 2 names my whole life. I spoke to XXXX  at XXXX XXXX his # is XXXX ext XXXX  he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..
Product: Credit reporting or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX with account number XXXX. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$1200.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have this fraudulent XXXX XXXX credit card Account number XXXX removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX XXXX and experian have been unwilling to remove it from my credit history. This fraudulent account is negatively impacting my credit score. This incident occurred as a result of my car being stolen with my personal documentation in it, which led to identity theft. 

Remove this account from my experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IMy credit report states that I have an American Express credit card .I never had a credit card and never applied for a card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BLOCK, INC. ) due to inadequate customer service and unfair practices, white violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. 
I called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period.
Product: Credit reporting or other personal consumer reports

This account does not belong to me and I would like for it to be removed from my XXXX, XXXX XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX AR, XXXX.