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

I opened a " XXXX  XXXX XXXX '' XXXX checking account with PNC during XX/XX/2022. As per account promotions, if i maintain a balance of $ XXXX in this account, I was suppose to get {$500.00} as cash back bonus. From XXXX XX/XX/2022 till XXXX XXXX XXXXmore than 90 days there is no {$500.00} cash back bonus even when the average daily balance was more than $ XXXX. There were good amount of banking errors and unnecessary fees that PNC charged and I need to reach out to PNC immediately for that and they waived off that fees after that. Please refer the statements for last 90 days, average ledger balance was always $ XXXX or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX Shoals BLF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised in the Equifax hack.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure what that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX XXXX XXXX XXXX provided XXXX XXXX  with my alleged credit score. On XXXX XXXX, XXXX I received a letter from XXXX XXXX about their decision to deny me credit. In this letter dating XXXX XXXX, XXXX I learned that my alleged Credit Score from XXXX XXXX XXXX is XXXX and my XXXX Credit Score is XXXX. Seeing the disparity between the two companies reported Credit Score I checked my XXXX  Credit Score and it was XXXX. 
I have never heard of XXXX XXXX XXXX so I researched the company, I visited their website and I was asked to submit copy of my personal IDs and provide all my personal informations in a non secure setting, in order to get a copy of the same credit report that they provided to XXXX XXXX. 
I have reached out multiple times by phone ( XXXX ) to XXXX XXXX XXXX to talk to a representative and learn more about them before I send them my personal information. I have not heard back from them yet and I am not going to wait forever. 
The Credit Score they assigned me is nowhere near accurate and they do not promptly address people 's inquiries or questions. If they are unable to answer phone calls from customers with questions about their credit report, In Fairness to Credit Customers XXXX XXXX XXXX should refrain from emitting inaccurate Credit Reports and Scores. XXXX XXXX XXXX should cease and desist from providing lenders false and fraudulent credit scores. 
XXXX XXXX XXXX is causing harm to customers, and they need to be stopped.
Product: Credit reporting or other personal consumer reports

Hi, I am writing to request a review of a delinquency on my credit report that occurred in XX/XX/2020 at the beginning of the XXXX XXXX Pandemic. The XXXX XXXX I worked at was negatively impacted by XXXX. As a result, our office closed, then reopened with reduced hours. I was unable to make my student loan payment on time that month because my income was greatly reduced. All my other payments were on time and in good standing. I am requesting MOHELA/DEPT OF ED to remove the delinquency from my credit report. My husband, who is an XXXX XXXX service member in the XXXX, and I are in the process of buying our first home. The delinquency is preventing us from securing a residential mortgage loan. Given that many loans were eligible for deferral, please consider my request as my delinquency occurred before the XXXX related deferral programs were in place but at the onset of the pandemic.
Product: Checking or savings account

I bank with Chime an online bank for over 3 years. On XX/XX/2023 I received a text message that my phone number has been changed on my account and to call member services if I did not change information on account. So I called and advised that I did not make the changes over XXXX of my money was spent unauthorized charges on my account Chime has been denying my claim saying that there are no error found and I have requested documentation of their decision they said it takes 10 days and yet and still I have yet to get these documents and they will not replace my funds they keep denying my claim and 2 rebuttals I have sent them police report I have sent them screen shots I of the merchants advising to have the bank charge the funds back nothing please if you can assist in anyway possible!
Product: Credit card

On XXXX XXXX, 2016 I request a XXXX balance transfer to my checking acct. After not having received the transfer a week later, I contacted Citi to find out that a check had been mail instead. I received the check XXXX XXXX, 2016 and deposited the into my B of A checking acct, it cleared the following day. On XXXX XXXX, 2016 Citi did a charge back on my account, took the XXXX back, which spiraled my bk account into a negative balance. 

After contacting customer service and the exec office of consumer complaints, I 've been told that a stop payment was placed on the check, but no one has answers as to why, and I 've been told that they will not have any answers until they review the customer service calls on XXXX XXXX, 2016. Meanwhile, my account is in a negative and B of A continues to charge nsf fees on unpaid negative balances.
Product: Student loan

My private loan has been sold multiple times. I called in XX/XX/2018 to complain about how my loan has been handled and transfered to Heartland ECSI. My XX/XX/XXXX statement came and they are trying to charge me 29.169 %. It should never be this high. It is theft. No one is answering the phone and i can not get any information on my loan. I am very mad. Plus i have had this loan for so long and always made payments ontime. It is so unfair. My XX/XX/XXXX payment went all to interest because they are screwing around with my interest rate. I DID NOT pick this company. My loan was sold to them.They stole my money in XX/XX/XXXX when i made a payment. this is illegal.
Product: Credit reporting or other personal consumer reports

I have requested a copy of contract with my signature from XXXX XXXX # XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting XXXX XXXX in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company XXXX XXXX partial acct # XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Product: Checking or savings account

I opened an account with BMO online on XX/XX/XXXX. I made a cashier 's check deposit of {$30000.00} on I believe XX/XX/XXXX. The next day {$5500.00} cleared my account and I did a withdraw of {$5000.00}. On XX/XX/XXXX I tried to access my account via online and was not able to. I contacted the bank and my account is frozen stating that I had an account with bank of the west that was closed and now I was demarked. They are awaiting the remainder of the {$30000.00} to post so they can close the account. I never had an account with bank of the west. I was told that they will cut me a cashier 's check when they close the account and I " might '' be able to pick it up at the branch on Thursday XX/XX/XXXX. I am extremely upset about this. I do not like having a derogatory mark on my account and I need these funds asap. I'm hope cfpb can assist. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : XXXX, Experian, XXXX, XXXX Furnisher of Information ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Description of Issue I am writing to report inaccurate information on my credit report. XXXX, Experian, and XXXX are reporting a XXXX XXXX XXXX without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Product/Service : Credit Reporting Issue : Inaccurate information on credit report Company Name : XXXX, Experian, XXXX, [ Furnisher of Information ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Description of Issue I am writing to report inaccurate information on my credit report. XXXX, Experian, and XXXX are reporting a XXXX XXXX account without my consent, violating the Fair Credit Reporting Act ( FCRA ). The furnisher of information has provided inaccurate information and failed to maintain reasonable procedures. 
Specific Violations 15 USC 1681g : Lack of consent for reporting 15 USC 1681s-2 ( A ) ( 1 ) : Inaccurate reporting 15 USC 1681e : Failure to maintain reasonable procedures 15 USC 6802 ( b ) ( c ) and 12 CFR 1016.7 : Disclosure without opt-out notice Desired Resolution I request : Immediate removal of the disputed account from my credit report. 
Damages for harm caused by inaccurate reporting, totaling {$1000.00}.

Attachments Copy of credit report Account statements Identification documents Supporting correspondence Certification I certify that the information provided is accurate and true to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a electronic payment to Shell/cbna account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX an amount of {$34.00} on XX/XX/XXXX the transaction did go through for what ever reason I don't Know the company never call me they never write me on XX/XX/XXXX I try using my card to buy some things and the card decline when I check the card i realize the credit limit decrease to {$200.00} inset of {$800.00}. I called XXXX costumer care representative pick my call I told him My Credit limit decrease, my card is declined, I lost 56 points on my credit report and i want to know the reason, she said my electronic or on line payment didn't go through she said the reason the number was wrong so i made anther transaction and this time it went through.On XXXX I called a representative and he answer me I told him my credit limit decreased he said he can fix it for me I said i may get hard inquire he said i will be fine.He did it online and the computer denied me which i get hard inquire.I told him to transfer me to his manager his name Mr XXXX. Mr XXXX said he has taken out the late payment fee and that the will work the credit report to fix 56 points and the hard inqure he said i will get a letter but i do not get a letter..On XXXX I made a check up I talk to XXXX who said she is a manager and said they can not do any thing in regards to my situation I told her please I'm your loyal costumer and if you check my payment history you will see that i pay my bills in time.She said give me your phone number i will call you but she never call me.Even before that one of them try agin to increase my credit limit and i get anther hard inquire she said don't worry it won't report to the credit company but when i hang up credit karma give me a signal.
Product: Credit reporting, credit repair services, 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. 


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 has violated my rights. 


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 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 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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 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 CHILDSUPPORT XXXX XXXX XXXX XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018 I sent a letter to XXXX XXXX XXXX explaining to them That I am XXXX and my ONLY income is XXXX from Social Security, which is exempt from collections. I also sent my award letter from Social Security. I asked them to remove a collection from my credit file which is causing my credit to be poor. They responded with a counteroffer of reducing the debt 25 % of {$3600.00}. I am on XXXX permanently. I am unable to work for the rest of my life due to poor health. I called on XXXX at XXXX am and explained it to 2 different people. The last man I talked to told me he would look into it and call me back. I have not heard anything from them yet! It is XXXX. They gave me 30 days to respond and when I did they didnt respond back to me. Tomorrow will be 30 days as of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX **SS # : XXXX *Date of Birth : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : ACCOUNTs XXXX ( CLOSED ) # XXXX Bal {$5100.00} XXXX ( CLOSED ) # XXXX Bal {$9100.00} XXXX ( CLOSED ) # XXXX XXXX {$3100.00} XXXX ( CLOSED ) #. XXXX Bal {$5700.00} XXXX ( CLOSED ) # XXXX Bal {$7100.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX  XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit and noticed that there are account ( XXXX ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX I opened up a Bank of America Secured Credit Card for {$500.00}. The account was closed XX/XX/XXXX. The account was charged off at {$3900.00}. I only had a credit limit of {$500.00}. How did it overdraft by {$3400.00}? It is only obvious that FRAUD took place on my account. The account was already CLOSED when BOA claims the last payment was made during XX/XX/XXXX. Furthermore, the account did not go DELINQUENT until XX/XX/XXXX the following year. For the bank to allow my account to make transactions after it was closed is clearly their fault and not of my own. I have become a victim of fraud. I would like BOA to remove their negative comments and negative credit report from all reporting credit bureaus.
Product: Checking or savings account

I filed several disputes from XXXX XXXX XXXX for unauthorized charges on my debit card and was denied .... attached are the screen shots for the different charges ... .I lost my card at a convenient store. I would like my refund for the unauthorized charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

After receiving an advertisement in the mail for a 'TD XXXX XXXX ', I submitted an online application for an express loan through TD Bank in the amount of {$3000.00}. Their marketing scheme for this loan is 'access your funds in up to 48 hours '. I submitted the application on XXXX XXXX, and it is now XXXX XXXX, and I still do n't even have an update on where my loan application stands. I have called TD Bank 's customer care/financial advisors - numerous times. So far, I have heard the following excuses from their representatives regarding why they do n't yet even have an update : - " It can take 5 to 7 business days. '' ( This was on my first phone call & I reiterated that the advertisement stated 48 hours ) - " It should n't be taking this long, I will email my supervisor to get back to you. '' ( This was on my following call, and I never heard back from a supervisor ) - " You have an advisor, but he 's unavailable and the website just has n't been updated yet. '' ( This was on the next phone call & I still have n't been able to reach the contact they gave me. And to this day, the last time the website was updated was on the day I submitted the application. ) Finally, I called and stated that the only reason I applied for the loan with TD Bank was because they sent me the advertisement. It 's now been long past 48 hours, and I still do n't have an update. I informed the representative that I was actually relying on the funds and that I needed an update soon. If not, I was going to look elsewhere. She stated to me that they 've already pulled my credit, and that the loan would be approved or denied by the end of the business day yesterday. She also advised that if I did n't see an update, that I should just go ahead and cancel my application with them and go to another bank. 

At this point - I 'm not even going to call anymore. I am writing this complaint to inform the CFPB of TD Bank 's false advertisement, and marketing scheme.