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

Hello, I became a customer of Citizens Bank on or about XXXXXXXX XXXX. I opened accounts at the XXXXXXXX XXXX XXXX XXXX, NY, XXXX branch. 

Last Friday I asked for a cashier 's check and was given one of about {$150000.00}. I later returned that day and deposited it because I was unable to timely deposit it elsewhere. I returned on Monday to withdraw it again. I then did deposit it at elsewhere. 

I later observed that the second check sum was some {$340.00} more than the Friday check. The accrued weekend interest portion does not explain the difference. 

What explains the discrepancy? I want to ask Citizens to cross-check that past and present interest sums have been correctly allocated since I opened my account. 

As a result of a " revenge-fir-hire '' campaign I have been a target of community harassment/stalking. For more on this, please see XXXX XXXX XXXX XXXX " revenge for hire '' campaign can involve community stalking and hacking, smear campaigns to broadly discredit and vilify, a criminal network of peeping toms, unlawful breaking and entering into private property and other hostile acts.

Bank personnel sometimes allow themselves to become absorbed in manufactured dramas. They may be recruited and/or incentivized to create delay tactics to gum up the works and to financially deprive. In addition they may play bizarre " pranks '' such as wear particular clothing when the target client goes to the bank, always careful to cultivate plausible deniability. I strongly believe at least some Citizens staff - both front and back-office- have participated in such " pranks '' and may be cajoled to make specific, scripted comments. 

By coincidence or something, upon opening my Citizens account on or about XXXXXXXX XXXX with a bank cashier 's check, there was a considerable delay of about 10 days or so for the check to clear. Bank manager XXXX XXXX said there shouldn't have been because it was a cashier 's check. 

Within days, there was a second peculiar occurrence as XXXX XXXX ( spelling? ) tried to open a CD for me. Again there was a delay -- - XXXX herself described the situation as " dizzying '' in light of other delays I encountered. At another branch, a notary at a Citizens told me her notary stamp was not functioning because it " fell. '' Are staff ( front and back office ) at Citizens complicit in organized harassment tactics against Citizens clientele, including those identified here? Would they level with Citizens compliance staff if so? 

At the very least, I kindly request a cross-check to see if interest payments have been correctly and properly allocated. 

Thank you for your time and consideration.
Product: Mortgage

My Home Equity loan servicing was transferred on XXXX from XXXX XXXX XXXX Specialised Loan Servicing LLC. Under XXXX my monthly payment was {$220.00} ( as agreed ) but Specialised loan Servicing is charging {$370.00} and also charged me interest backdating to the year 2009. 
My mortgage statement shows that I owe them {$40000.00} plus principal and the {$40000.00} needs to be paid immediately in order to make account current. 
I contacted my current servicer and tried to make arrangement to continue with $ XXXX monthly payment and told them that I disagree with the charges dating back to 2009.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX, XXXX, XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Money transfer, virtual currency, or money service

I opened a XXXX account on XX/XX/year>. My uncle sent me XXXX that night. I didn't have my card to add to the account to access it so we used my step dad 's card because I need that money for bills. They froze the account. They sent me an email to send a photo ID and I sent it. Then they asked me for a statement that goes with my step dad 's account so I sent that. Since I'm not on my step dad 's account, now they are saying I can't ever use the account and that I'm out {$500.00}. I've proven to them who I say I am and I thought that I could send money to whoever I wanted with this app anyway. They stole my money. Straight up stole it. I don't understand how they get away with this. I would definately never recommend anyone use XXXX. They're thiefs and I'm sure I'm not the only on they've done this to. If there are any class action lawsuits going on against XXXX I would greatly appreciate if that information would be made known to me. This is terrible. The customer service is terrible and the fraud department are only there to steal your money. I need help. He sent that to me to pay bills. I've been out of work for a couple of months due to a broken hand. How is what they're doing legal? Please help me get my money. I feel completely victimized by this company. Thank you.
Product: Student loan

I have both a private and federal student loan with Navient - formerly XXXX XXXX. The loan that belongs to my daughter ( for which I am a co-signer ) is {$520.00} per month. We have it set up through Navient as an automatic monthly payment. On XXXX XXXX, we called to change the payment to {$320.00} on XXXX/XXXX/XXXX. ( We only changed the amount from {$520.00} to {$320.00} ). We thought we accomplished this with no problems until the day the payment was taken out. On XXXX XXXX, XXXX they debited via their check an unauthorized payment from my account in the amount of {$520.00}. Then on XXXX XXXX, XXXX or XXXX XXXX, XXXX they debited an additional {$320.00} from my account, unbeknownst to both me and my daughter ( student on the account ). We did not learn of the second debit until calling to obtain a refund in the amount of XXXX from the payment that was processed on XXXX XXXX, XXXX. We have called XXXX XXXX, XXXX, XXXX, XXXX, and XXXX to obtain our refund of the additional {$320.00} as well as the first {$200.00} from the payment taken out on XXXX/XXXX/XXXX only to be given erroneous and varying information regarding when we can expect to see the funds returned to my checking account each time we call. We have the customer service agent phone number and ID as XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX along with a Rep named XXXX, his supervisor and several other agents that we have spoken to in trying to obtain a refund - at this point totaling {$520.00}. 
Basically, they have given us the run around for several days. We have asked for this to be processed all the way up to their management only to be denied our refunds. We have asked for them to expedite the refund. 
This is clearly a mistake on their part where they have double debited my account and refuse to correct the problem. Management refuses to speak with me about the refund and the refund department refuses to speak with me about refunding or reversing the charge after several attempts. 
In reviewing information on the web, apparently Navient has a history of fraudulent and unscrupulous activity related to customer accounts. Please help me in resolving this situation. 
Please excuse grammar, punctuation, syntax and spelling. This is an online form with limited visibility and it is very tedious to type using these small forms. 

Address given on the website : General Correspondence & Submitting Documents Navient XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents - XXXX : XXXX or XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The collection reported for the item in dispute is inaccurate because this item does not belong to be. I am requesting that this item be investigated and proof that this item belongs to me is provided. An itemization of the charges does not qualify as proof that I own this item.
Product: Checking or savings account

Wells Fargo failed to pay me a welcome bonus even after I fulfilled deposit requirement.
Product: Consumer Loan

lIKE XXXX YEARS AGO, I DECIDED TO ACCEPT AN OFFER FROM XXXX ( RIGHT NOW ONEMAIN FINANCIAL ) FOR EDUCATION PURPOSES, THE INTERES WAS REALLY HIGH HOWEVER I NEED TO PAY THE TUITION. AFTER THE YEARS THE LOAN IS NOT BEEN REDUCED, AMOUNT FOR THE PRINCIPAL IS MINIMAL
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

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 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 file a complaint against XXXX XXXX XXXX  and Credit Reporting Agencies ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$310.00}
Product: Credit reporting or other personal consumer reports

I do not recognize this XXXX XXXX XXXX XXXX account nor did I give them written instruction to furnish anything on my consumer report. This is a fraudulent account that does not belong to me. I do not have any legal binding contract with this company that states I owe them any debt. 

In addition, your company furnished this account on my consumer report without my written permission as stated by federal law that is illegal to do so. The creditors listed above used my identity without my consent which violated my consumer right, my rights to privacy, and have stolen my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a not a duplicate complaint and the reason of this complaint because I'm a victim of identity theft, my personal information has been stollen, and I'm a doctor on a wheelchair, I'm very limited to go anywhere. I can't file police report over the phone at this point. I recently checked a copy of my credit report and noticed some addresses reporting that do not belong to me or have been obsolete for an extended period of time. For the safety of my information, I hereby request that the following obsolete addresses be deleted from my credit reports 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 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 ALL ABOVE ARE NOT MINE, AND MUST BE DELETED. 
I have provided my identification card and social security card to verify my identity and current address. Please notify any creditors who may be reporting any unauthorized past accounts that are in connection with these mentioned addresses as I have exhausted all of my options with the furnishers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 XXXX years. 

15 U.S.C. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information reported on my credit profile. Under the Fair Credit Reporting Act [ FCRA ], specifically citing 15 USC 161b. Which governs permissible purposes for obtaining a consumers credit report.

I have not provided any type of written consent for the disclosure of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Discover, accounting ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against LexisNexis with CFPB ( # XXXX ) on XX/XX/XXXX. I finally received a letter on XX/XX/XXXX dated XX/XX/XXXX from LexisNexis stating that I can access my report online and they provided a PIN. When I attempted to access my report, I received a message that my PIN had expired because it was only good for 30 days. I received the letter 49 days after it was dated. I called LexisNexis today and was told that they are unable to provide a new PIN to access my report and that they would have to send another letter in 7 - 10 business days. They were unable to connect me with a supervisor for assistance. I originally requested that they correct my report in XX/XX/XXXX and filed the complaint with you when they failed to make the legitimate corrections. I was also informed that they are unable to email the report to me. This has been an extremely frustrating experience.
Product: Credit reporting or other personal consumer reports

I recently checked my credit reporting profile. There are unauthorized accounts that need to be removed as soon as possible. I have no given any consent for the following accounts and inquires to be reported to my credit report. They are in violation of my consumer rights. I am human there is no 3rd party involved. I have filed and reported with FTCXXXX XXXX, and Texas Attorney General.
Product: Credit reporting or other personal consumer reports

Please correct this credit report as XXXX did accordance with the fair credit actt XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTIg
Product: Payday loan

I applied for a loan online and was denied. I requested for the lender to explain the reason ( s ) for the denial. The lender told me I was denied because I had an outstanding balance of {$350.00} from a returned check the lender is claiming I wrote at one of their locations in XXXX XXXX, XXXX on XXXX XXXX, XXXX. I explained to the lender that it was not possible because I resided in the state of XXXX at the time the alleged check was written and did not move to XXXX XXXX, XXXX until XXXX XXXX. I also explained that I had been a victim of identity theft around the time the alleged incident occurred in which I had to file police reports, identify theft affidavits, complaints to the FTC, notified the Inspector General for the United States Postal Service because my mail had been affected, notified the DMV to place a fraud alert on my Identification record, notified the IRS so my file could be alerted, notified the SSA so fraud alerts could be placed on my social security number, notified all XXXX major credit reporting bureaus to place extended fraud alerts on my credit reports and things got so bad that the XXXX Nevada Office of the Attorney General even provided me with an Identity Theft Passport ID due to being a victim of Identity Theft. In addition to all of that information I provided to the lender, I also advised them that the 6 year statue of limitations for the alleged debt had expired being that it was said to have taken place 11 years old, therefore it should n't be on my record anyway. But even with all of that, the lender continues to deny my requests for a loan due to the alleged 11 year old debt.
Product: Debt collection

In XXXX I received XXXX XXXX at the XXXX  by a XXXX  in Alabama. I had XXXX insurances and the final XXXX  from the secondary showed I owed {$0.00}. After speaking with the doctor billing office I was told by phone I didn't owe anything. 
In XX/XX/XXXX XXXX XXXX  XXXX XXXX purchased a large number of accounts from the doctor billing, mine was one of them. Since then they never attempted contact with me to let me know they thought I owed them money. 
In XX/XX/XXXX I received a communication from the collection agency Wakefield saying that they were collecting my debt with XXXX. It took a while to trace it back to that specific XXXX  cause they refused to add any information, but I finally did and got the information above from the doctor billing office. 
Since then I have offered multiple times a copy of the XXXX  showing my {$0.00} balance, but Wakefield says that their client, XXXX, refused that document and claims that my insurance didn't respond to their query. no further information. 
My insurance reached out to Wakefield volunteering any info they need. 
Wakefield is refusing to provide XXXX contact info and just want me to pay. XXXX XXXX is acting in an unlawful way, first not communicating to me ever, then sending me to a collection agency, then refusing documentation that shows the balance and untruthfully claiming to have contacted my insurance ( I asked them and they never received a call, email or mail from them ). Looking up the company there are a whole lot of suspicious things, like the address they registered the company at in XXXX and the fact that the listed 'manager ' hasn't lived at that address since XXXX https : XXXX I believe they have been doing this to multiple people, since they purchased a whole package of accounts just from that one XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX 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 XXXX XXXX XXXX