23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my XXXX  and XXXX XXXX.
Product: Checking or savings account

We have both a business and personal account with First Citizens Bank. Both have been open for about two years. Neither has had a check ever bounce and we have had very minimal overdrafts. On XX/XX/XXXX, we deposited a check from our customer into our business account. They were receiving funds from home insurance and we had done the renovation. Within a day, our customer contacted us with the regret that the insurance had not yet deposited into their account, which they thought they had done so already, and that there werent sufficient funds to cover check. They did immediately do a transfer of funds from another account, but our bank had already just rejected the check for XXXX on XX/XX/XXXX. Our customer gave us a new check and confirmed they now had funds in their account, which we deposited through ATM on Sunday, XX/XX/XXXX. The bank withdrew the funds from his account the next day, XX/XX/XXXX. Our bank released the funds into our account by Wednesday, XX/XX/XXXX. I went to the bank to deposit a paycheck from our business acct into our personal acct that day, since the funds were justly released. The system did not prompt a hold. Two hours later, the teller who had assisted me with my deposit, called me and said she suspected of the checks and would either discard the deposit I had made, or place a two day business hold. I asked her when funds would be releasedshe said by Friday ( today, XX/XX/XXXX ). She froze both our business and personal deposits ( from other sources too ), without cause. Today is Friday, when both the teller and customer service ( who I called to confirm the matter ) said funds would be released today. But they are not! I will reiterate that we have never had a bounced check on either account and funds have been withdrawn from the check writers account since Monday, XX/XX/XXXX. This is extremely unjust to do to a client, and it penalizes our whole family. How are we to eat, get gas, pay bills? They unreasonably placed extra holds and still have not released them, even 5 business days after check was cleared from customers account. And again, it was not the banks system that generated this hold, but a tellers erroneous discretion. Please help! I have never in my life received such terrible customer service or complained about a business like this. Thank you for allowing me to express my concerns.
Product: Student loan

I took out a personal loan to payoff my student loan. The lender sent a check with a payoff letter with the last of my account number and that stated that this check is to pay the loan off in full and close the account. After the check was received on XX/XX/year>25 it was not cashed until XX/XX/year>25 but never applied to my account. After communicating through the website and multiple phone calls for a week, I found out that they have two mailing addresses for Mohela. The check was to payoff my private Mohela student loan and not the federal, instead of mailing back the check, the cashed it on the federal side and it was not applied to any of my accounts. Currently I have spent over 15 hours trying to resolve this over the phone and spoke to many Mohela employees that send me to other departments that also can not help me. Bottom line is they took the money and never applied it to any account of mine and now I am stuck paying two loans because of their error.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$970.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} - DATE OPENED XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 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 However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency 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 any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act convergent account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Online information ser # XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX SOCIAL SECURITY NUMBERS NOT RECOGNIZED XXXX, XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have deposited a {$810.00} settlement into account number XXXX at Citi Bank. They have blocked my account and are not giving any answer as to the status of my account or when I will receive my money.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I received a notification that my credit score had decreased by more than XXXX points. When I looked into it, the only possible explanation was that XXXX had reported several Department of Education XXXX loan accounts closed, and that I had missed XXXX payments on those loans. 

Under Department of Education rules, loan servicers are not supposed to report missing payments or other information that could negatively affect a borrower 's credit during the special " on-ramp '' period that lasts until XX/XX/year>. More info here : XXXX XXXX XXXX Additionally, the communications I received from XXXX were inaccurate, and emotionally distressing. Around the same time I received alerts to my credit report, I saw that I had messages in my inbox on the XXXX site. I had more than XXXX messages with the subject line " Congratulations! Your loans are paid in full. '' In the message was a congratulatory letter that said my balance was now {$0.00}, and my loans were paid off. 

For a moment, I thought my loans were paid. I had begun my application for public service loan forgiveness, and it's hard to keep up with all the changes to the loan program. It was only when I logged into the XXXX website that I learned I had a new loan servicer, XXXX. I never received any email or message from XXXX, the Department of Ed, or my new servicer, that my loans had been transferred. If I hadn't investigated further, I could have easily taken XXXX at their word and defaulted on my loans. Not to mention, sending people a letter that their loans are paid off, when they're just being transferred is incredibly cruel, especially when there is so much confusion right now around loan forgiveness.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # XXXX XXXX XXXX, Account # XXXX, XXXX, Account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX Have violated my rights. I looked at my Equifax credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$5300.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$0.00} -tied up XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} -tied up
Product: Credit reporting or other personal consumer reports

I noticed incorrect information on my credit report as outlined by 15 USC 16c-2. The data in question is inaccurate and negatively impacting my credit score.
Product: Bank account or service

I called Wells Fargo and I needed XXXX fee waiver due to some issues i had on my end. I did n't want a recurring charge to go thru tonight and start a cycle of ol fees again. I am having issues with payroll ... ... and no at this point in time i can not fax proof of that to the gentleman that took the call due to the charge going thru XXXX tonight.
Product: Debt collection

I was first made aware that I had an outstanding debt with " mrs BPO '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX XXXX XXXX. I then called XXXX approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias mrs BPO ) ; but only on the instance in my credit report
Product: Checking or savings account

I have a checking and savings bank account with Laurel road bank. Since yesterday I am not able to access this account. As per the message, I was told to call the bank which i did today and was on the phone for around XXXX minutes. 
Reasons provided : 1. One of the check was returned back.

2. There was a direct deposit from my husband into this account.

I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions.

But even after 6 hours - my access is not working.

It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports from all XXXX main agencies XXXX, XXXX, and Transunion shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXXXXXX 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 NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested a back dated forbearance with American Education Services on XX/XX/XXXX, which would cover the dates of the late payments and AES granted me the forbearance with a letter stating it would be back dated and once the forbearance was completed they would remove all negative reporting to the credit bureaus. However, they did not remove the late payments from my credit report. After numerous calls to AES ( reps and supervisors ), I found out that as of XX/XX/XXXX, they have changed their policy to remove late payments when a back dated forbearance or deferment was granted and covers the dates of the late payments. However, anyone who had late payments prior to XX/XX/XXXX would not benefit from the new policy. AES has changed their policy, but refuse to apply it for customers whose late payments were before XX/XX/XXXX.
Product: Debt collection

I was told by my Bank Lender to ask for a letter stating that the debt payment had been DELETED. 
I was told the letter would state that the debt would be deleted. The letter simply stated that the debt had been paid in full. Once the funds clear, your account will be considered closed. 
But, nothing stating deletion. When I called the Rep said they would not do a deletion. 
Once the deletion is stated in writing my credit status would return to where it previously was. 
Thank you, XXXX XXXX
Product: Debt collection

This New complaint is directly related to a pending, awaiting response from the company, Portfolio Recovery Associates , LLC That pending complaint with your agency is # XXXX filed on XXXX 

As to the above, this company Again, refuses to abide by my demand in the pending complaint and awaiting a response, to cease and desist any further communication with me directly regarding this alleged debt. Ive also sent by certified mail to this company, Portfolio Recovery Associates , LLC, a cease and desist letter and related request information but this company continues to contact me despite my legal request to cease further contacting me. This happened due directly to a collection letter from Portfolio Recovery Associates , LLC I received today, in the mail to my home. Letter is dated XXXX XXXX XXXX XXXX XXXX days after being electronically notified of a complaint mentioned above and informed in that complaint that clearly states to cease and desist further communication immediately in the desired outcome section. Then, receiving a certified letter that was confirmed received by this company to cease and desist any further communication and related alleged debt request but the company still persist in contacting me by sending this letter i received today. I did call this company today, informed the representative of this violation and pending complaint that if it continues, I would file a formal complaint with FTC and the fair credit reporting agency as to violations of my rights. This is not the 1st time this agency/ company has in past, violated my demand to cease and desist in other incidents that are well documented as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$490.00} FOREMAN FINANCIAL INC XXXX Balance : {$7300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

COMENITYCAPITAL/NFLVS Account XXXX this account was paid off CCB/NFLVISA Settled Settled On XX/XX/scrub>XXXX by settlement through Forth, and now I have the same one with the same account number saying I need to pay this bill again ... .I tried to file a complaint but it is not doing any good ... ... thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year>- experienced a fraudulent situation through Zelle via XXXX XXXX  - selling furniture and the buyer requested to purchase via XXXX they shared a photo stating that the money was sent via Zelle but money never hit my account. I ended up sending the money back through Zelle, thinking there was a lag and they requested the money back after a time. Once I determined this was a scam, I reached out to Zelle via XXXX XXXX and they stated there was nothing that could be done to retrieve my money. I asked for a copy of their fraud protection reports and it was never provided.