23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We have at First Bank several accounts including a credit card which is the subject of this compliant. First Bank closed this account citing federal laws enabling them to do this. This card has a limit of {$2000.00} and a balance of {$1800.00}. We have had this card for almost 4 years. In that time the payment has been past due only twice and only several days after the due date. This cards limit has never been overlimit due to a purchase. I can only figure out is that the balance was high and the statement was generated with interest being added to the balance making it be over the limit. When making my payments I always pay more than the minimum due. They closed this account citing these two issues and how I manage my checking account which has had overdrafts which I paid the fees for. Also they have never had to take a loss because of these overdrafts and I within 24 hours deposited or transferred monies to cover them. They did not take into account our mortgage with them which has never been past due, or the fact that we run a fair amount of funds thru our checking and savings monthly. This complaint is that due to the closing of this account, they reported the closing to the credit bureau which directly affected my husbands credit score lowering it 93 points. This has negatively impacted us extremely. First off we were going to sell our home and build another. This is an impossibility now as we would never be able to acquire another mortgage with a rating this low. Also it could affect any of our credit cards by having this low of a credit score, if they ran a yearly check of our credit we would not qualify for their card, even if we have never had a derogatory with any of them. Thus they may also choose to close any one of these cards and thus lowering the credit score even more negatively. This has directly and negatively affected both of us. It greatly impacts me as I have a XXXX XXXX and this puts a great strain on me. This credit reporting and the closing of this account is unacceptable. There is nothing that would constitute the lowering of our credit scores. This is the responsibility of First Bank as they are the ones who instigated the closing of this account causing the extreme negative credit score which they have admitted to me that were aware of the credit impact. My husband has given 110 % effort in establishing a good credit rating since he came to this country ( legally ). First Bank may have the right to close this account but they DO NOT  have the right to negatively impact our credit scores, especially since we are not delinquent and over limit. I am and have been abiding by the rules of First Bank regarding this credit card. I will continue to reach out to all avenues available to get our credit scores back to the prior score before the account was closed. I feel that they have illegally and with malice changed our credit scores and negatively impacted our lives, and personally caused me physical and mental distress. I will provide any and all documents requested for proof of the compliant.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1 Credit Card account and 6 Personal Loan accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX on XX/XX/XXXX ( XXXX ), XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXXXXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ), and XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Product: Checking or savings account

PNC makes it next to impossible to link your checking account with any sort of banking app. Anything from pay day loans to XXXX XXXX. After years of service, I will be switching my account to another bank.
Product: Student loan

XXXX   XXXX  Navient or  XXXX   XXXX  at the time, put me in forbearance and never bothered to tell me I could get on a repayment plan, after the all my forbearance was used trying to get a job, they finally after almost defaulting and ruining my credit decided they would inform me of the lower payment plans, which I agreed to to avoid defaulting which was still difficult to pay, now in  XXXX  I was Ill and lost my job so now I have no forbearance because they told me to use it in  XXXX , so now I 'm behind 2 months and they harass me every hour of the day till I pay them or agreed to pay them on a certain date. And the lower payment plan is ridiculous still almost as much as a average car payment. It 's stupid they did n't even try to help me at all in fact it seems like they steered me toward using forbarence so they could take it away that option later as far as a loan servicer they seem to have no interest In helping you or do they seem like they care at all, they also like call with threatening phone calls dozens of times a day  XXXX  to  XXXX  every hour every day. They even have called my relatives and got aggressive with them people who have no business In the matter I 'm not even sure how they got there numbers
Product: Credit reporting

I did not apply for credit with XXXX and they hit me with a hard pull on my CR. Please advise/ask to remove. Thank you.
Product: Credit card or prepaid card

To whom it may be concern, I have found Multiple activities on my SSN, Tax returns filed, hands on my bank accounts, use of my Driver 's License ( ID Number ) or Real ID in other states. Also holding on all the money deposited to my bank accounts since my bank account had Overdrafts fees. Donation of the Money hold and more because of the small amount overdraft charges in chase bank and XXXX XXXX. After my visit to DMV, it appears that there were several IDs made with my name or my Real ID number in order to use for Military Facility, getting mortgage, buying cars, getting several Auto Loans and more under my name, my credit card, using my Digital Wallet, making money of Bitcoin through my accounts and more. Also just found that they used our family business tax id number ( Claiming As Social Security ) in the Chase Bank which applied for car Loans in other States. I'm not able to activate my own bank accounts, personal & business, and not able to Enroll for new bank accounts. Also putting hold on all my Mails in XXXX and all the postal services, meaning I was not receiving my Mails for years, holding mails and forward a few of them to my Mailbox without my knowledge, and it's still happening. Please investigate, and inform me what type of information you need from me to do a complete background check, checking on withold money or the services like retirement which I never applied for, as well as tax returns, other government benefits which I never received but I was notified it's been applied when I was renewing my driver 's license. 

Thank you for your time!
Product: Payday loan, title loan, or personal loan

Prosper offered a personal credit for consolidating some of my credit accounts with a lower interest rate, Prosper said this would not affect my credit score, Prospers inquiry showed up as a hard inquiry and has affected my credit score negatively. I did not use the Prosper loan because further into the loan application it showed an undisclosed fee of {$500.00} to obtain the loan. I cancelled any transaction with Prosper.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent TransUnion written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. Also, I have sent a copy from the small claims court in NJ that the account does not belong to me.
Product: Debt collection

I had a missed called from TSI ( Transworld Systems Inc. ) at XXXX XXXX  this morning and I called them back not knowing it was this company at the time, I talked to an agent and I asked them what this was regarding of and the agent told me a personal business matter so she asked me if I was XXXX XXXX and confirmed it was me and she then stated this was an attempt to collect a debt behalf of XXXX XXXX and she stated I owed this debt that is profane language used against and heres why because 1. The term debt means any obligation or ALLEGED obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment, not once did she validate this alleged debt. 2, I never gave this debt collector prior written consent directly to contact me pursuant to 15 usc 1692c which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at ANY unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. 2. Ive been receiving emails from this common which is inconvenient towards me on separate occasions. Im holding this company criminally liable for violating the FDCPA per 15 usc 1611
Product: Credit reporting or other personal consumer reports

Please see the attached FTC report and XXXX  release form and remove the listed unauthorized accounts and inquiries due to my information being compromised in the XXXX data breach. Please perform the necessary updates to my credit report.
Product: Credit reporting

1. The credit reporting agency is continuing to report Consumer Reporting inaccurate information on my credit report, 2. your company does nothing to fix it I want to go meet with the CFPB to see what you do to get this Inaccurate Information and illegal handling of my information stop. 
3. Do you feel you can just allow these XXXX credit reporting company to continue to lie to you and I and I 'm going to say oh well? 

4. I am not going to keep filing disputes when they go to a blind ear. 
5. I want someone to contact me about how they will proceed to get this fixed within the 30 days. If I do not here from you or someone who has authorit7y to make the XXXX credit reporting company report the correct and accurate information on my credit report. I will come up to your office own my own time to get it resolved. 
XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent certified letters to XXXX, Equifax, and XXXX stating that my credit report contained inaccuracies. On XX/XX/year>, I sent a certified letter to all three credit bureaus updating my social security number, birthday, employer, and phone number. On XX/XX/year>, I send another certified letter to all three credit bureaus requesting an update on my address and inaccuracies on my credit report. On XX/XX/year>, I received a letter from Equifax requesting my identification information. I sent identification information enclosed in the XX/XX/year> letter. The identification letter sent by Equifax is unclear because the letter cites 2 different addresses to send information. I sent another certified letter on XX/XX/year>. I have not yet received an answer to this letter. I received a dispute results letter on XXXX XX/XX/year>. My current name change and address were not addressed in the dispute letter. I sent a certified letter dated XXXX XX/XX/year>. The update of my address and name seems to be deliberately overlooked. None of my information is being verified against my credit report. I received two depute reports 1 day apart. Disputes are supposed to take up to 30 days. My duputes took 1 day. I sent another certified letter to XXXX dated XXXX XX/XX/year> containing the inaccuracies on my credit report. I received a dispute letter dated XXXX XXXX, XXXX, stating they verified information with the creditor and not verified on my credit report. The addresses listed are not the same as those in the letter dated XXXX XX/XX/year>. I do not know where the address came from, and I never lived in XXXX, XXXX, XXXX, or XXXX. I seems that XXXX is cross-referring credit data with the wrong people.
Product: Student loan

FYI.. none of the prior options to select were pertaining to my issue : I received an XXXX Degree from XXXX   XXXX University in XX/XX/XXXX. Shortly after the school was called XXXX ( so have a degree for a school no longer in existence ). I have continually worked for a non profit organization and have paid income based repayments for over the 10 year requirement ( 12 years at this point ). I had initially sent required docs in XX/XX/XXXX to the Department of education so they would know that after my 120 payments, the balance should be forgiven. At that time I received a response that I had not yet made the required payments so to resend info once that part was complete. They mentioned no other issues. Then in XX/XX/XXXX after all required payments were made I sent a new request. I then received a letter stating that I was not consolidated with the right kind of student loan company ( which offers the option on their website ) so I wasn't eligible for the 10 forgives. My loans have increased by over {$10000.00} after paying for 12 years. Since the school switched to XXXX and XXXX failed, allot of students are having the loans wiped out totally. Apparently I don't qualify because my XXXX degree was completed. ( loan balance now XXXX - for an XXXX ). I am simply looking to get the forgiveness that was advertised on my loan holders website. I consolidated with American Education services. Initially was told I keep federal benefits consolidating through them. Working non-profit I have gone without raises for most of the years I have been here and in fact my income has dropped. Was recently told to reach out to CFPB to see if anything can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Date open XX/XX/XXXX XXXX XX/XX/XXXX Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.
Product: Credit reporting or other personal consumer reports

I obtained a XXXX XXXX Loan from XXXX in XXXX. This was not a XXXX  loan! The loan was co-signed by my mother. 
I filed for XXXX XXXX  Bankruptcy XX/XX/XXXX listing XXXX as a creditor. 
XXXX XXXX Bankruptcy was discharged XX/XX/XXXX listing the XXXX account as discharged. 
XXXX continues to report the account as a XXXX loan and has reported the loan pass due since XX/XX/XXXX with a charge off on XX/XX/XXXX. 
I am in the process of filing a motion with the Bankruptcy Court for contempt of court.

Disputes with the credit bureaus come back as certified by XXXX. 
XXXX actions have adversely affected my credit report.
Product: Checking or savings account

I had problems with Citizens Bank before in XXXX due to erroneous fees. 
I decided to close my account in XXXX. I tried various times to close the account. But the bank does not stop payments, and twice I emptied my account, but an existing out-pay charged against the account. Since it was my fault, I paid the fees and asked again to close the account. 
I send a letter to customer service. No response. 
I sent secure emails in the Bank App. To my surprise, that email was DELETED. 
I went to the branch, and the manager told me that he could NOT close my account. Finally, after a very unpleasant exchange, the branch manager explained to me the best way was to keep {$250.00} in the account and verify the balances once in a while. He told me, in confidence, that the bank would not allow me to close the account without a lawsuit or intervention from the regulator. 

For four years, this strategy worked. Yesterday, the bank charged me {$10.00} Fee for DORMANT ACCOUNT SERVICES. NO notification of such a bizarre fee was done in writing or electronic way. 

The timing of the fee is also alarming, the Connecticut " Stay Safe, Stay Home '' Governor 's order issued in XXXX of XXXX is expiring. 

However, this is not my case. This action is malicious because it imposes a LACK of Activity fee for customers that could not get to the branch during a QUARANTINE. 

I try to call the customer service on XX/XX/XXXX, but after a 1-hour wait, I gave up. 
I sent a secure email through the bank email phone app, which said that they would respond in 2 days, but I have no faith. 

I removed the balance of my account, and I hope that this should be sufficient to close this account. 

However, I would like to receive my {$10.00} fee back via check on the mail. If there are costs to issue the check, Citizens can subtract such losses from the $ XXXX, up to {$10.00}. If to be a bit honest is too much, please keep the money. 

I also request that the Citizens Bank delete all my information, as allowed by law. Please remove my name from any marketing efforts. 

XXXX XXXX XXXX Find file attached with the email alert about the fee. NO notice or communication was provided before the fee was charged.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters XXXX  XXXX {$930.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX  XXXX****, XXXX XXXX XXXX XXXX** XXXX XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with Transunion and XXXX.
Product: Credit reporting or other personal consumer reports

Please review the enclosed documents ; the personal information you are reporting does not belong to me.
Product: Mortgage

On XX/XX/21 we initiated a home loan refinance with our current mortgage company, PNC. We chose PNC thinking that the process would be simpler and our loan officer estimated a 2-3 month timeframe to close. We did not close until XX/XX/21. Our refinance was for $ XXXX and we had $ XXXX in our bank accounts. My husband and I have been employed in our respective positions for over 10 years each with excellent credit ratings and income over $ XXXX per year. We provided PNC with copies of our bank statements and paystubs at least 5 times over the course of this process. We found the staff at PNC to be unprofessional and unresponsive. We are unsure whether the delay in our loan was due to PNC 's incompetence or due to PNC 's financial incentive to continue our mortgage at the higher rate. Our loan is finally now secured but we feel it is important to register this complaint for the good of other prospective mortgagees.
Product: Credit reporting or other personal consumer reports

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right.

2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose.

In light of the clear violations of the law, your agency is required to take the following action : 1. remove the inaccurate information from my consumer report.

2. Provide documents proving an investigation was conducted.

3. Provide a confirmation letter stating the information has been removed.

4. Rectify my credit report to ensure it no longer includes inaccurate information.

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.