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

In XX/XX/XXXX, I announced to BMO Harris Bank at the branch office in XXXX, XXXX  my intention to close accounts as the certificates of deposit matured. I moved to XXXX  after my husband passed away, and there are no branches of BMO anywhere near my current location. I explained that I do not use email or text and was provided a passcode to verify my identity with the customer service department at XXXX. 

I called the customer service number on XX/XX/XXXX and XXXX XXXX when a certificate of deposit matured, verified my identity with the passcode, and requested that the certificate of deposit be redeemed with funds sent to me via check. Although I was told towards the end of the second call that a check would be processed, the certificate of deposit was instead renewed. I complained to the resolutions department several times during subsequent calls. I was told on XX/XX/XXXX by the supervisor XXXX XXXX that the matter would be escalated to management and that I would receive a call with the results, but I never received such a call. Note that XXXX XXXX from resolutions also confirmed escalation to management. 

I called XXXX XXXX  to redeem two other certificates of deposit that matured. After providing the passcode to verify my identity, I was transferred to the resolutions department from a representative that was not able to help me with my request. I spoke to XXXX XXXX, who told me that he would not send me my funds. He indicated that the passcode verification was insufficient and that I needed to verify via email or text, which I do not do. He indicated that there was a problem with the address, but I had already verified with BMO ( XXXX ) that there should not be any issue with the address on these accounts. 

On XX/XX/XXXX I sent a notarized letter to BMO requesting that the remaining accounts be closed and a cashier 's check be mailed to me for the funds from those accounts. I received no reply from BMO Bank.
Product: Credit reporting

My Bankruptcy was discharged on XXXX/XXXX/2009. Under the Fair Credit Reporting Act and the California Bankruptcy Laws, a credit reporting agency may no longer report a balance owing on my credit report for all accounts that were included in the bankruptcy. The credit bureaus continue to report a balance on the XXXX XXXX XXXX XXXX account. The balance must be deleted.
Product: Checking or savings account

XX/XX/XXXX to XX/XX/XXXX PNC Bank XXXX XXXX XXXX XX/XX/XXXX - Would not freeze account or even speak to me until they receive Probate documents. Documents have been sent 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with confirmation they received, then again to XXXX on XX/XX/XXXX to her email. XXXX ID, XXXX XXXX, Probate Documents, DL with account numbers. They confirmed they moved Mortgage to XXXX account but I have not received documentation or access. I still don't have access to checking, money market accounts and bills are 2 months overdue. Water was shut off, I had to pay out of my own pocket. Electric was going to be shut off XX/XX/XXXX, we paid that out of our own pocket. 
PNC Bank XXXX XXXX - NEVER ANSWER THE PHONE OR DISCONNECT YOU WHEN THEY ANSWER I live in XXXX, I am the executrix of the Estate and have all applicable documents. This bank is dragging their feet for a pittance of money. They do not return phone calls or emails. It appears they are anticipating us to just fold and let them have what small amount there is. This estate is one of our 22 years plus XXXX XXXX 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information that appears in my credit report concerning XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX installment accounts. After carefully reviewing my credit reports from all three major credit bureaus, I have identified specific inconsistencies or potential errors as follows : ( I have highlighted all inaccuracies below attached with report. ) ** Payment Status vs. Payment History Mismatch** : The account numbers reported by Trans Union XXXX not match the account numbers reported by the other two bureaus. This discrepancy suggests a possible error in the recording of my account information.

**Opened Date vs. Term and Close Date** : The account dates vary slightly different across bureaus.

**Two-Year Payment History** : There are inaccuracies and inconsistencies in the late payment information when compared with the records from other bureaus.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau can not verify disputed information, it must either correct or remove that information from your credit report. 

The FCRA requires that all information given to credit bureaus be accurate and verifiable. Given the discrepancies listed above, I kindly request that an immediate investigation be conducted, and corrections be made to reflect accurate information on my credit report.
Product: Student loan

I have been calling Navient for weeks now in an attempt to lower my payment. I lost my job and am unable to make an astronomical payment. They are refusing to lower the payment amount. The Ombudsman will not return any of my voicemails. I do n't want to default but I ca n't pull {$400.00} a month together without a job and they are n't willing to compromise at all.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the ongoing verification of an account on my credit report. Attached are letters that clearly prove the information being reported is inaccurate. Despite this, your agency has failed to make the necessary corrections and continues to report the information as accurate. 

This failure to correct the inaccurate information violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates that you investigate and correct any inaccuracies. I kindly request that you conduct a thorough reinvestigation and either correct or remove the inaccurate information from my credit report to ensure its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago I place a disputing with Equifax and XXXX into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my permanent XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.
Product: Credit card

Today I opened a police report regarding 2 unauthorized charges on my Wells Fargo debit card. Here are the claim numbers for the 2 transactions I didnt make on XX/XX/2023 and XX/XX/2023. 

XXXX ) XX/XX/2023 purchase on the state of Alabama for {$13.00} made at a local bar in that state. ( I never been in that State ) XXXX ) XX/XX/2023 ( I was charged the next day XXXX/XXXX/XXXX ) purchase made in XXXX XXXX for {$1700.00} When I saw the first transaction on my Bank Statement, I called Wells Fargo, ordered a new card, and opened a claim to get the money back. 
The biggest transaction was made on XX/XX/2023 at XXXX ( transaction phone alert ) while I waited for the card replacement. I never received the card, but the thieves did, activated, and used it. 
It seems the hackers intercepted either online, or physically ( or both ) my cards, cloned it, and used it. 

I opened 2 claims with Wells Fargo, and they never reimbursed the money lost due to fraud : XXXX for the {$13.00} unauthorized transaction. 
XXXX for the {$1700.00} unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I SENT A CREDIT REPORT DISPUTE TO XXXX, XXXX AND EQUIFAX. XXXX REMOVED ALL OF THE NEGATIVE INFORMATION AND INQUIRIES. EQUIFAX LEFT ONE NEGATIVE ITEM ON MY REPORT AND XXXX LEFT SIX ITEMS THAT I DISPUTED ON MY REPORT. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE COMPLIANCE WISE THEY WERE REPORTING INVORRECTLY. EQUIFAX AND XXXX KEEPS SENDING THAT THE NEGATIVE INFORMATION HAS BEEN VERIFIED BUT DOES NOT TELL ME HOW. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE THEY DON'T COMPLY TO THE FCRA LAWS. I NEED THE NON COMPLIANT NEGATIVES REMOVED ALONG WITH THE UNAUTHORIZED INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$5300.00}. Never applied for a Time Share Loan. 

XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$1200.00}. I've reached out numerous of times trying to explain that I don't owe but it keep appearing on credit report. Never applied for this loan. 

XXXX XXXXXXXX XXXX # XXXX was charged on credit report on XX/XX/XXXX of XXXX for the amount of {$950.00}. I never applied for this loan and don't know why its negatively affecting my credit score. 

XXXX XXXX was charged on my credit on XX/XX/XXXX, of XXXX for the amount of {$1300.00}. I never applied for this Loan. 

XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of XXXX. I never applied for this company services. 

I have reached out to all companies and disputed above charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making a complaint because recently I found their company reporting on my credit report and disputed the item to be removed. After disputing the item, I was told by the subscriber to call Grain Tech to mail me a verification letter providing information on how this happen when I never used their services nor approved anyone to use my information for their services. I was told by them that they didn't need to provide me with information because they are not a collection agency. I was also asked to provide information and I did to cooperate to resolve the matter and they used my information to update their system with my info. This company that is reporting on my credit reports is keeping me from obtaining credit and getting hired with a company that is looking to hire me but this fraudulent account that is reporting is hindering me from many things and this isn't an account of mine that authorized to use. This account needs to be removed from my credit immediately. it's unfair to be a victim of identity theft and having to be stuck with the bill. Im demanding for this account to be removed from my credit report and the method of how this account became tied to my name and ss.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint due to Equifaxs failure to comply with my re-investigation request, as required by law. They did not provide me with any of the investigation documents consumer laws affords me to receive. They also received a copy of my XXXX report which accurately reports these items and still have chosen to ignore the laws and report inaccurate information. All of the attached accounts are inaccurate, misleading and false reporting. It has been almost 90 days and I still have no resolution to this issue. At this point, I am demanding Equifax to cease & desist from reporting these accounts. I demand these items to be immediately removed from my report.
Product: Consumer Loan

I have a Home Equity Line of Credit with Chase. After I completed a loan modification with my mortgage in 2011, Chase tried to coerce me to do a loan modification on my loan with them. I refused because of the low interest rate. They then repeatedly called me to say I was late or had missed a payment, I knew I had not and when I asked them to indicate when I had been late or missed a payment they were never able to confirm that I was. After reporting to the credit agencies that I had been late 5 times on my monthly payments they forced through a loan modification without my approval and added well over {$2000.00} in fees to the loan.
Product: Debt collection

Dear CFPB Team : Portfolio Recovery, a debt collection company, has been calling my phone since around XX/XX/2021 ; sometimes several times a day. ( On my caller ID, they are " Portfolio Recvy. '' ) They have called me innumerable times under innumerable phone numbers. One phone number was XXXX on XX/XX/2021. The last call was today ( XX/XX/2021 ) at XXXX XXXX  from phone number XXXX. These phone call practices are a violation of the FDCPA. 

After I received approximately 20

phone calls, I looked up who they were on the internet. Then, I began blocking and deleting their phone numbers ; however, they seem to have thousands of phone numbers to call from.

I have a credit score > XXXX. I owe no unpaid debts. I have never answered the phone calls from this company, as I do not want to waste my time talking to a company when they have no legitimate business calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account was paid off ( XXXX dollar balance ) and closed in XX/XX/XXXX. However the last two months I have received statement notifications of a balance due. I let them know that's not possible because the account is closed and I do not have the card so I could not have made any changes. And I don't know how charges can be applied to a " closed '' account. I emailed them on XX/XX/XXXX and XXXX letting them know that the account is closed and I don't have any idea what is going and I can't even log on because it is linked to old phone number that I no longer use due to identity theft. On XXXX they replied to me saying I need to provide my drivers license to change my phone number. I replied back on XXXX that I no longer have a valid DL but provided my passport book instead and let them know again the account is closed, don't know how there are any charges and if so its fraud and I don't know how/why there is a balance. There has been no response to any of my emails since, the phone number is still linked to the old one for the account so I still can't access it and I'm still receiving balance notifications. And on XXXX they reported to the credit bureaus that the accounts were late when I let them know already that any new changes should/would be fraud since the account was " closed '' and I don't have any access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, which I acquired from the credit bureaus and I noticed unauthorized credit inquiries had been made. I contacted the companies asked them to remove the inquiries from my credit report.
Product: Money transfer, virtual currency, or money service

I transferred a Zelle payment and was told since it went to the wrong person there was nothing that could be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00XXXX XXXX  XXXX Balance : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I woke up to find out that my paypal account had been permanently limited with no valid reason as to why this happened in the first place. I only truly started using my account more towards the middle of XXXX and had no issues until 2 months ago. 

I would use my account for things such as payments towards subscription services, the purchasing of video games, or even commissioning artists for my own personal passion projects. But one day without warning my account is permanently limited, barring me from the one service that everyone else can use without any issue, making my business related transactions much harder to complete on my own now.
Product: Mortgage

We were forced into bankruptcy because of COVID. I tried to work withour original lender but they were no help. Bankruptcy payments have been made and I have also made several double payments. My loan has now been sold to Mr. Cooper and none of the ( 1 ) payments from the bankruptcy trustee, or ( 2 ) the extra payments I have made, have been applied to the account. I just received a notification that I still for a XX/XX/2021 payment. 

Before the loan was sold, XXXX XXXX XXXX held approximately {$30000.00} in unapplied funds. I don't even know if my escrow payments are being paid to escrow. I would like my payments to be properly applied to my account, or I will have to hire an attorney to prosecute them as acting in bad faith.
Product: Student loan

Every time I try to establish an account online I receive an error code. Ive called customer service and they walked me through which site to be on and confirmed my information such as social were correct. Ive been transferred to supervisors waiting hours on the phone while waiting for Mohela to correct the issue so I can log into my account ( currently on hold while typing this out ). Mohela will not place my loans on deferment unless I submit a deferment request form via my account online ( form is hidden online, must use the search feature to find it as per instructions via customer service rep ). My loans are marked as delinquent due to the inadequacies of the organization. 

Ive never had to fill out deferment paperwork before and was not even aware this was the process. I dont even have the option of faxing or emailing the form to anyone at Mohela which is just another tactic at making things as complicated as possible.
Product: Mortgage

My XX/XX/2022 statement from Rushmore Loan Management Services showed my Outstanding Principal to be {$970.00}. The upcoming interest was to be {$2.00}. My normal payment amount also included {$400.00} in extra principal, plus escrow amounts. So the bottom of the XX/XX/2022 statement told me " You are currently enrolled in automatic payments. Your payment is schedule to draft XXXX for the amount of {$1800.00} ''. So, as usual, I did nothing. Then I received a XX/XX/2022 statement telling me I missed my payment, and owed a {$15.00} late fee. I called Rushmore and they told me they never took out my last payment, but over the phone they put in a payoff request for me. The payoff request showed the {$15.00} late fee. I was able to call Rushmore and have that removed. But the payoff also showed {$4.00} in additional interest. They told me that was interest accrued between XX/XX/2022 and XX/XX/2022 ( the payoff date ). I told them that I should not be responsible for that interest, as they had told me they would take my last payment in the XXXX statement, and they never informed me about having to request a special payoff. I believe this is a tactic they use to steal a few dollars from each customer on the way out. They very strongly argued with me, and one woman even tried to gaslight me and pretend that she had called me about my late payment, when in reality I had called her about these extra fees. It all seemed a bit shady, so I want to go on record to report it. In the end, I gave up and paid the extra {$4.00}. But that was wrong.