23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was under the impression that I was consolidating my loan and going into an income based program. The company XXXX XXXX XXXX claimed they were a government agency and apparently used equitable acceptance to finance my loan for a fee. I had no idea I was being charged a service fee to consolidate my loan. They charged {$2000.00} for the service fee. They are drafting my checking account for {$42.00} a month. I tried to cancel because there is no fee to consonlidate your student loans. I can do it myself. I thought the {$42.00} was going towards my student loan balance. However, they said I am stuck with the debt and owe them or they will report it to the credit bureaus. This is fraudulent business practice. By both XXXX XXXX XXXX and XXXX XXXX. My servicing company is XXXX and I believe they are fraudulent as well. They put me in forbearance when I thought I was going into an income based program. Now Ive accrued a ton of interest. These companies are fraudulent businesses. I also have reason to believe they logged into my fafsa account and changed things around which is illegal. They also told me my loan would be forgiven after 10 years which is a lie.
Product: Credit card or prepaid card

Credit limit was lowered without my knowledge on XX/XX/2020. I received no information that this was going to happen. Called the company and they stated that a letter was sent out on XX/XX/2020, which I did not receive because I was in the process of moving. Found out about the decrease from XXXX to XXXX on XX/XX/2020 due to my credit report. Called Chase because I wanted to know why. Chase reported limited spending, and low utilization and that they sent a letter out. I did not receive this information. I fully pay my credit card off every month, and use this card every month. They will not reinstate my original credit card line without a credit pull. 
I then asked multiple times what their definition of low spending and limited utilization was, which they could not answer despite being the ones to lower my credit limit. They could not tell me how to prevent this in the future. 
It is not right that they lower the credit limit without being able to tell me exactly how I could have prevented this, and not reaching out to me through at least an email. I even changed my address recently and they shouldve sent more notices.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX XXXX XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Payday loan, title loan, or personal loan

PNC Bank is and XXXX XXXX lender. It discriminates against small, minority, older and other disadvantaged ( SMOD ) borrowers by applying a specific business account requirement to apply for a XXXX loan which many SMOD borrowers do not use based on higher fees, monthly service charges, etc designed to screen out otherwise eligible SMOD borrowers from participation in favor of larger more profitable other customers or extract extra business account fees the SMOD borrower would otherwise not have at a time of distress. Surely many SMOD operators use less expensive accounts rather than a high fee business fee account. 

This requirement is likely not part of the CARES Act or XXXX, but is an extra discriminatory hurdle PNC adds. And in any event a bank knows particularly SMOD operators select lower cost vendor whenever possible. The pandemic enhances this pressure and need. 

This requirement continues and fees seem to be excessive and unnecessary to the disadvantage of SMOD borrowers.
Product: Credit reporting

In XX/XX/2016 Transunion had removed all my XXXX, they remained off for a few weeks, I called transunion as i was disputing inquiries that was my sons anyway, they told me they removed them, later to find out that they appeared back on and added more I called Immediately and told, there is nothing they will do and hung up on me, quote on quote and include that their customer service would not help and take care of the negative inquiries reporting to your credit report. i have exhausted all my fights with this rude company, please can you help me, .. I have a list of what I know they removed and added back, and changed dates Advantage Am Rent BrclysBankDE CBCINNOVIS CBNA CELTIC/CONT CREDCO CREDIT INVES CREDIT PLUS CREDIT PLUS ( AAGAIN MORE THAN ONCE WITH ADDED DATES ) SYNCB/AMAZON SYNCB/WALMRT Their actions should n't have my credit suffer i never received a letter or response of them adding this back on please would n't you help me with this event im a victim of Transunions inquiries issues now they double jammed me
Product: Credit card or prepaid card

On XX/XX/XXXX my card was charged for {$4300.00} for servuce not provided? I have not agreed to any services with this facility that charged me. I was told that my card will not be charged. There was no finalized medical care agreed by me with the facility. I have not received any Medical Care from this Facility. If agreed to care i was going to be charged when my care was finished with the clinic. My care never started with this clinic and no final date for Medical Services has or was agreed with the facility, there for i have opened this claim, and i am stating that this charges are unauthorized since were made without my consent. I have tried to contact the facility multiple times and wasnt able to get anywhere. No one has talked with me or try to help me. I have also contacted citibank mulitiple times in regards to this matter with no resolution in site.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On XX/XX/2024, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over 45 days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged identity theft within the stipulated time frame of 4 business days. As of today, 30 days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law.

As a victim of identity theft, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. Identity theft itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.
Product: Checking or savings account

Ive made funds transfer using Citi bank.com on XX/XX/XXXX XXXX XXXX EST. I posted the transaction to be completed for XX/XX/XXXX where the funds should have been transferred to my XXXX bank account. I waited patiently until XX/XX/XXXX and funds didnt get transferred. I made another transfer for {$9000.00} to my XXXX XXXX the same day on XX/XX/XXXX however that transaction had double posted to my account causing overdraft of {$8700.00}. When I called about the issue to XXXX # for Citi bank and explained the situation they said it was user error. I explained again and spoke to next level supervisor who stated this was glitch in the system and give them 24 hours to resolve this error. Next day the error for {$9000.00} was resolve and my act was positive for {$270.00} however the {$6000.00} transfer which was to have occurred on XX/XX/XXXX business day was never resolved. Msg XXXX XXXX account still didnt have those funds and my Citi act was debited. I called on Tuesday XXXX & XXXX speaking to different agent supervisors who all stated they will escalate this issue and get the {$6000.00} transfer successful or suspend the transactions. Each time I was given lame excuse and reason why this was an error in Citis behalf. I had to take care of family matter and I couldnt due to inaction on Citi. I called today XX/XX/XXXX Saturday and spoke to three different supervisors in different departments who all were hearing about this error for the first time. Each one of them tried to cancel the transfer and got same error I did that transfer was cancelled but funds never got back to my Citi account. I was very patient each time with Citi & had to explain this bank error each time. No one of the agent I talked with gave me a case id or reference #. The last overseas agent I talked with today just gave me her user id # XXXX and asking me once again to wait for another two business days to resolve this error. Ive lost faith in Citi to resolve this issue for large transaction for {$6000.00} which I have no access to for last 7 days. Ive lost my interest and suffered by losing my valuable time and unable to handle family finance due to Citis inaction. Each agent /supervisor had promised to resolve this snd agent on XX/XX/XXXX Thursday promised to resolve this by end of business day and call or email me. This never happened!!! Im still missing {$6000.00} from my account. 
Each time their online system allows to cancel the external transfer but funds never actually get cancelled. Supervisor at citi tried this each time and I tried it many times. Ive attached some snapshot for your online which stated the transfer can be cancelled till XXXX XXXX each day but it never got cancelled nor funds back to my citi account.
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 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 



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 seven vears.

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: Debt collection

I began receiving calls from Portfolio Recovery in XXXX of this year, however, they never left a message and I thought it was spam and never answered. At the end of XXXX or early XXXX our credit limit was decreased suddenly for no apparent reason. After applying for a credit card and getting declined I found out that somehow I was in debt collection with Portfolio Recovery Associates for {$2200.00}. It seems that somehow my name became associated with a debt that XXXX sold it to Portfolio Recovery Associates even though I haven't used XXXX since XXXX. According to one representative at Portfolio Recovery Associates, the statements that XXXX was supposedly sending me were being sent to a house in XXXX, PA close to where my parents used to own a home but it wasn't an address that I ever resided at. 

The unpaid XXXX charges were supposedly incurred through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX OR XX/XX/XXXX, and XX/XX/XXXX. Again, I have not purchased or sold anything on XXXX since XXXX and have not used XXXX since that time. 

Additionally, I never received an debt validation letter from Portfolio Recovery Associates, otherwise I would have been quicker to point out that this debt is not mine.
Product: Credit reporting or other personal consumer reports

I have tried calling Experian time and time again about the unauthorized and unverified inquires on my account, but a representative never gets on the line. Its sad that you cant even get in touch with his company reporting false information
Product: Debt collection

Illegally bought a charge off account debt without my knowledge. No verification of bought debt was received. Increases debt amount on my credit report. Ruined my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I live in North Carolina. 

I recently pulled my 3 credit reports and see that there is a bogus address tied to my name and or my social security number. I do not know to what extent the potential fraud exists. Someone has attempted to add an address in the XXXX, NY to my name. The fraudulent address is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX. 

Will you please help me to determine how to remove this address from my credit report and to assess the damage done to my personal data. Thank you.
Product: Debt collection

On XX/XX/2022, I send a debt validation letter to Executive Credit Management in reference to a debt that is not mine. I sent the letter certified mail confirmation number XXXX XXXX XXXX XXXX XXXX. According to the USPS, the company received and signed the for the certified letter on XX/XX/2022 at XXXX : XXXX am the letters was delievered and signed. But the collection agency Never responded to my request for information. The debt is not mine at all. 

According to 15 USC 1681- it is illegal for a collection to have my personal information. It is a violation of my right fo privacy.

According to 15 USC 1692 B ( 2 ) it is violation for a collection to state a consumer owes a debt.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and .I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : CHILDSUPPORT Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX
Product: Debt collection

I had gotten XXXX XXXX satellite services on XXXX XXXX, XXXX, after being installed I had lots of problems receiving signal ; I called them to cancel my services on XXXX XXXX, XXXX. I cancelled because within a 3 month time period, I had to call them in reference to lost signal/no service, a total of XXXX or 7 times. Whenever I called a representative would walk me through detailed steps to correct the problem in which this did not work. I would be asked to check the satellite to be sure nothing was blocking it or nothing was on it, which I did go outside and check it out ... ... it was all okay. Around the middle part of XXXX XXXX, a technician came by to fix the problem, it worked only for awhile. The last week of XXXX XXXX, a technician came to the house to fix the problem, which it worked only for a little over a week ; so I called back and was told that a technician would have to come out and fix it, but it would be 3 days before one could get by here. I was tired of calling XXXX XXXX every month about no signal/lost service, so I requested them to cancel out my services and not charge me for services I was unable to use and let me out of the 2 year contract agreement. I was informed that it is required for a technician to come out at least 4 times before letting me out of the agreement. After doing some very serious thinking and talking with neighbors who also had gotten XXXX XXXX and they did not have any problems with their services working correctly ; I called to cancel because this was not right at all.
Product: Checking or savings account

On XX/XX/2025 i deposited a check for {$10000.00} into a Wells Fargo Branch ATM. The check was given a standard hold of XX/XX/2025 and XX/XX/2025 to recieve my funds. Early XX/XX/2025 they notified me of a second hold with a " refer to maker '' reason for their hold until XX/XX/2025. I spoke with the check maker. They notified me the check was cashed and cleared on their end and that if wells fargo had any questions they were welcome to call about any issues. After contacting wells fargo they notified me my check was on hold with a '' refer to maker '' reason same as the email they sent earlier. I asked if it was possible to resolve any issues woth the check and they simply repeated it was on hold for their " investigation. '' They told me to contact the check maker. When I told them i had and that the check maker would be willing to work with wells fargo about any issues involving the check they simply went back to saying the check is on hold until XX/XX/2025 and no one will be allowed to remove the hold. After speaking with the wells fargo supprts surpervisor, he repeat the exact same line even after I requested to know the exact issues they had with the check l, and how the check maker was willing to be involved to resolve them, they simply just stated no one will be allowed to remove the hold. So now theyve basically stolen my check and are holding it beyond a reasonable amount of time for an " investigation '' to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i checked my credit report 2 days ago and noticed that there is supposedly an account thats been open for 2 years and 2 months that belongs to a XXXX year old with my name, it also says there is a missed payment. I believe this only shows up on the equifax report. I think they have confused me with my father because we share the same first and last name, him being XXXX and me being XXXX. It is impossible for this missed payment and credit history to be mine seeing that i am only XXXX and have just gotten a credit card in the last month while in college.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE
Product: Debt collection

Sometime in 2015 while I was away in Virginia or Florida American acceptance allowed my ex husband to purchase a vehicle and add me as a coapllicant without my permission. When I called about it they told me the only thing I could do waa to have him refinance it with only his name. American Credit Acceptance XXXX
Product: Debt collection

I spoke to the representative from the attorney 's office Mr. XXXX XXXX. He mentioned that i was served thru an individual by the name of XXXX. The owner, my lessor at that time is Mrs. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting late or missed payment. Who are they? How can you pay your bills on time and your score still goes down? Like other credit reporting agencies are they too getting lazy and just going with boilerplate response. There seems to be a automatic roadblock for people of XXXX to get credit. Its not just XXXX XXXX.
Product: Debt collection

I have a alleged debt with a company by the name of TRUE ACCORD in the amount of XXXX. I have sent them a letter certified mail stating for them to verify this alleged debt that I am not aware of. I have tried multiple times to dispute with credit bureaus but they have forward me to the 3rd party collector.
Product: Checking or savings account

I am submitting a complaint regarding my Chase Bank account ( Total checking and College checking account ), which was recently closed without prior notice or explanation. On XX/XX/2024. I discovered that Chase had closed my total checking ( {$1000.00} ) and college checking ( {$4000.00} ) account and held my funds without a clear reason or timeline for when my money would be returned.

I have made several attempts to contact Chase to resolve this issue, including calling customer service , fraud department, court order and levies department. However, I have received limited information and no explanation for why the account was closed and when will my fund be returned.

I am concerned about my inability to access my own money and the lack of transparency and communication from Chase in this matter. This situation has caused me considerable financial inconvenience and stress, as I am unable to meet certain financial obligations due to the unavailability of my funds.