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

On XX/XX/XXXX, I opened a checking account at Peoples United Bank, XXXX MA branch under a {$200.00} marketing promotion. The requirement to receive the {$200.00} bonus was : Direct Deposit of {$1000.00} or more at least monthly for 90 days. My banker at the account opening said that 3 consecutive months of direct deposit of {$1000.00} would qualify. I met the requirement, with direct deposit of over {$1000.00} in XXXX, XXXX, XXXX and XXXX. Not receiving the bonus, I made an electronic inquiry to the bank on XX/XX/XXXX. XXXX from the bank replied that she would get back to me on XX/XX/XXXX. Which she did not follow through. I sent her a reminder message. On XXXX, XXXX came back stating that I did not qualify quoting a strange reason by the end of XXXX. I asked her to double check because her quoted reason was not in the requirement ( and in fact, nobody can meet that if it were in the requirement ). On XX/XX/XXXX, she replied back that I need to talk to the bank. At this point, the bonus is way over due and I do not see a sincerity the bank is going to honor the bonus.
Product: Credit reporting or other personal consumer reports

Experian upload of documents dates : XXXX XXXX XXXX  : FTC, Drivers license, Car registration for address verification, and Affidavit Experian fails to remove fraudulent accounts and are breaking the law with the IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the creditors listed below are in violation of my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was XXXX a chapterXXXX bankruptcy that was dismissed the titles was released and the vehicles weer salvaged. I feel like the company violated bankruptcy law. Also predator lending. Also i have a court order from the vec that my unemployment my not be approved until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with regions in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Student loan

Navient Currently I am under an income driven repayment plan The established monthly fee is substracted automatically from account every XXXX of the month. 
Several times a year ( XX/XX/2020 ) my payment was only to pay interest no principal. According to Navient my payment was not ontime ( after my complain, I received a " copy-paste '' letter saying that ) Currently I have paid almost XXXX dollar of my loan and the balance remains unchanged ( almost XXXX ). I am struggling to make this monthly payment, but I rather make an extra effort to avoid interest to buildup, but I feel this extra effort is not worth it. I feel I am being robbed every month when my payment is deducted. 
Is incredible that paying a student loan from navient is more expensive that paying for luxury item on a retail store using the store credit card. 
Everytime I call Navient, I am wrong and they are correct. 

On every XXXX, always verify the amortization of each payment. When I see XXXX to principal and XXXX to interest my blood begins to boil. Then calling Navient and/or writing an email feels like when your parents are grounding you for something you didnt do. How unfair Navient should be here to help us, they are administering money from tax payer XXXX my money ). Its a shame Thanks PS in picture attached you will see there is no payment during XXXX My IDR plan had to be renewed. 
I received an email, followed every instruction then received a confirmation email that everything was on order, later I received a confirmation letter. ( everything was OK ) When I received my bank statement I noticed there was no payment for Navient on XXXX, I also started receiving threats from navient that my account was due and was going to be reported. 
I called Navient immediately and they told me that the process I made online was not for the private loan, that the private loan IDR is only by phone ( i didnt know that ) As you can see XXXX fee was only to pay interest and XXXX fee was only to pay interest
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is a fraud account as I have never opened or used it : XXXX XXXX XXXX account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.
Product: Student loan

I have 6 Nelnet student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with Nelnet. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as Nelnet does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with Nelnet. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX XXXX XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by Nelnet. 

I am a nurse on the front line of this pandemic. The breakdown of communication between the college in XXXX and Nelnet should NOT be falling on my shoulders. Nelnet needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that Nelnet provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that NELNET does not have access to the current status due to this pandemic.
Product: Checking or savings account

In XX/XX/2021, two checks from my bank account were intercepted in the mail. The original information was erased or whited out, and the checks were forged with different amounts to two separate recipients and deposited in fraudulent accounts in XXXX XXXX. The checks were # XXXX for {$16000.00} withdrawn on XX/XX/2021 and # XXXX for {$9500.00} withdrawn on XX/XX/2021. I was traveling in XXXX and XXXX and don't believe I received my XXXX statement that would have shown the deposit of check # XXXX as a result of my mail being held. I filed a claim ( claim # XXXX ) with my bank, Chase on XX/XX/2021. I also filed a police report with XXXX XXXX ( Complaint # XXXX ). 
After several months, Chase reimbursed me {$9500.00} for check # XXXX, but refused to reimburse the {$16000.00} because my claim was more than 35 days past the date that the check posted. From the Chase side, both checks were several times larger than any check I had ever written before, the handwriting was not mine, and the out-of-state recipients had no interaction with my account in the past. There were no fraud alerts or attempts to contact me. From the the XXXX XXXX side, the fact that these were deposited into two separate fraudulent accounts in the same bank demonstrates negligently inadequate KYC controls. 

I am in disbelief that this can happen in an American banking system ... .that if you don't catch something in 35 days, that the money is gone ... that there would be no flagging or fraud alerts despite the size of the checks, the different handwriting and the likely suspicious activity on the accounts that the checks were deposited into.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1200.00} Closed 8 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1200.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} Closed 6 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX XXXX XXXX {$25000.00} {$25000.00} inquires : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Your XXXX credit file is unlocked Lock your XXXX  XXXX XXXX to prevent identity theft. 
Unlocked
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to delete my fraud alerts and extended fraud alerts XXXX # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX i have fraudulent account fraudulent account report on my credit report/ ; account opened by someone who stole my identity
Product: Mortgage

I have my current mortgage with US Bank Home Mortgage. I pay my mortgage payments ahead when I can to give me a " cushion '' for anything unexpected in the upcoming year where I may not be able to make payments for months at a time. I have always done this and specified on each payment I make what month it is for and NOT to apply it to my principal. 

However, US Bank keeps applying my payments to my principal. This is despite very clear written instructions I send with my payment NOT TO APPLY TO PRINCIPAL and that it is for a particular month payment. I write this on the payment stub, I place a written post-it on the stub stating the same plus I send to the office they told me to send it to so that an actual person is opening the envelope and seeing my instructions.Yet, despite all this, they persist in applying it to my principal. 

They are allocating my payments they way they want to without my permission! I have called them and they've corrected it and they reassure me they will place instructions on my account that my payments made early should be applied to the next month 's payment. But this is still not corrected. They persist in allocating my payments inappropriately despite my explicit instructions NOT to apply to principal. This has happened with payments I made with checks dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And that is just this year alone. I have to constantly monitor my account now to see what they're doing and call them each time to get this corrected. I don't know how a bank is permitted to use my payments as they wish against my instructions. Please contact them to rectify. 
Thank you.
Product: Credit card

In XXXX of XXXX, I decided that I no longer wanted to do business with Kay Jewlery. So, I paid the remaining balance that was on the statement online for {$62.00} and some change. So, in XXXX, they call me and say that I owe {$120.00}. I told them that could not be possible because I paid the card off in XXXX of XXXX. So, the XXXX that got on the line said that he was sorry for the misunderstanding, and he would update their records. So, in XXXX I noticed that they had placed it on my credit, so, I had to call back again and explain everything again and they apologized again, and it was removed from my credit report within two weeks. After that, I figured it was over and I was finally done with Kay 's. Well in XXXX of XXXX they started calling again saying that I owed {$200.00}. They said that when I paid my card off, I paid everything but {$0.00} yes XXXX XXXX XXXX XXXX So, I asked them that if they can call me about {$120.00} why didn't they give me a curtesy call and tell me about the {$0.00}. Why would i purposely not pay {$0.00}. The manager got on the phone and apologized again and said that he would take care of it. But I am still receiving calls. To top it off they said they were sending statements but then said they didn't have my address. So, one of the reps said that he XXXX my name in my city and state and got my address. My personal information should not be looked up on XXXX
Product: Credit reporting

Equifax is refusing to investigate numerous fraudulent inquiries in my credit report that I did not initiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rates for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and i'm requesting legal action to remove this account expeditiously. 

Account Name XXXX XXXX XXXX : Account # : XXXX has violated my rights. According to the FCRA 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 record of conviction 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 or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax today XX/XX/23 and spoke to the fraud department. My first call was to XXXX who stated regarding confirmation number XXXX, that the information I disputed was verified by the creditor. I asked how the information was verified and was basically told the information was verified by hearsay. Equifax was not able to supply any documentation that validated the debt they are reporting on my credit file. 

I called back to check to see if ANY documentation was supplied on any of my six disputes. I spoke to XXXX who wanted to confirm my address ( which is not correct by the way and probably part of the reason for the fraudulent information ). He proceeded to go through each dispute and advised me that the information was verified by the creditors, again with no documentation. 1 creditor ( XXXX XXXX ) is listed on my report 3 times for 3 different accounts. Two of those accounts I'm getting calls from a different creditor about, so there is no way these accounts are being verified. 

Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Consumer Reporting Agencies bear the responsibility to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources
Product: Checking or savings account

On XX/XX/XXXX while on vacation on a cruise I took out a XXXX loan and had it sent to my robinhood account at which point they declined it and restricted my account. When I spoke with them about it they were not helpful and kept demanding I send them documents such as bank statements, ID and other to establish proof of my identity I guess. I refused and asked them to close the account and send me a check and they kept saying I had to submit identification, selfies and bank statements in order to close my account which I have had for many years. When I asked to speak to a supervisor they told me XXXX to XXXX hours and I need to submit these before mentioned items. So now I am without access to money while out of the country on a vacation.
Product: Credit card

HELLO MY NAME IS XXXX XXXX I WAS A VICTIM OF IDENTITY THEFT AND IN MY CREDIT REPORTS THERE IS 2 FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME IT IS FRAUDULENT AND MUST BE REMOVED ASAP THANK YOU XXXX. BANK OF AMERICA ACCOUNT NUMBER XXXX, XXXX. BANK OF AMERICA XXXX XXXX XXXXXXXX, ALSO REQUESTING REMOVE FOLLOWING FRAUDULENT INQUIRIES 1.BANK OF AMERICA , XXXX 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

In accordance to the Fair Credit reporting act XXXX XXXX XXXX # XXXX and 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Caine and Weiner on behalf of XXXX XXXX XXXX. 

I have disputed this debt several times. With the credit bureau, collection agency- Caine and Weiner and XXXX. 

It was determined by XXXX that I was being double billed for auto insurnace. 

I called XXXX in XX/XX/2020 to advise them that I wanted to cancel service as I've gone with XXXX. They assured me that was fine and all was good on their end. Fast forward to now, I am in collections for the supposed amount. 

I called XXXX again XXXX calls in the past month to have this resolved with no remedy. They advised that, all I needed to do was submit proof of my coverage with XXXX and they would take the necessary action of which I have twice. They have not and neither has Caine and Weiner. 

I will call XXXX yet again this evening to follow up. But it's absolutely frustrating that after all of my attempts and proactively, it's still on my credit although it shouldn't be, as I do not owe them anything. 

I do not have the time to spend hours upon hours on the phone, speaking with different reps, getting different stories. Especially for their mistake that I'm already paying for.