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

Depositing monies into my account and the monies never showed up. Also not being able to get assistance with locating the monies. Prior to and thereafter BB & T Truist merged with Sun Trust the problems worsened. A few XXXX of dollars is unaccounted for. The most recent funds that is unaccounted for is XXXX which was transferred from my savings account to my checking account. I am not making any progress in learning what happen to the monies. It is remains a mystery. My account has been breached repeatedly ( before the merger ) and I never recouped all my funds. Two employees at the bank informed that the computer systems were not working property and customer accounts were all " screwed up ''. I can attest to that : I called about fraud on my account and the representative said " I can't see the information all the information that you can see online because the systems were messed up ''. This went on for an extended period of time and they are still having issues. I went to the bank approximately two weeks ago on a Saturday and they were not able to let the customers in because they were having computer problems and therefore unable to perform and transactions. Eventually we were let in. 

Please help.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and i found several items to be inaccurate. 
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : 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 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

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 4 XXXX  XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my property in XXXX FL had some hurricane damage, and my mortgage company, XXXX XXXX XXXX ( XXXX ), offered me forbearance for 3 payments that would be added on to the end of my mortgage. I accepted forbearance, and in XX/XX/XXXX, just as the forbearance period ended, XXXX transferred my mortgage to XXXX XXXX XXXX. The XXXX   agreement stated that XXXX  would accept and complete the forbearance agreement made by XXXX. XXXX harassed me and finally added a modification onto my loan, but instead of a forbearance modification, they processed it as a foreclosure modification, which showed up on my credit report as my being delinquent with mortgage payments. They pressured me, giving me one day to sign which allowed no time for legal review, threatening foreclosure if I did not sign. I disputed it with the credit bureaus later who did nothing to correct it, and it ruined has my credit score. XXXX refused to correct their mistake and I have been turned down for refinancing my mortgage because of the mistake XX/XX/XXXX made and the delinquency on my credit report. Changing the forbearance modification to a foreclosure modification is an unfair bait and switch practice, and has cost me my credit. At the time I didn't know the difference in the modifications, but now I understand what has happened and I am requesting that the delinquency be removed from my credit report and my mortgage be corrected due to this unfair practice. This has damaged my financial reputation and cost me money. I tried to refinance with XX/XX/XXXX again and they just told me yesterday XXXX they can not proceed until this mistake is corrected. I have paid almost {$1000.00} in fees for appraisals and application and my loan is denied now because of XXXX 's mistake. As a senior citizen I feel this is unfair, and I deserve punitive damages from XX/XX/XXXX now that I have figured out what they actually did is illegal. I was entitled to federal forbearance from a natural disaster and they defrauded me to accept a foreclosure. I can not even refinance my house and get away from XX/XX/XXXXbecause of the mistake they refuse to correct on my credit report. XXXX agreed to take the loan from XXXX " as is '', then switched it to a foreclosure. They refused to correct the balance or give me credit for all payments made in XXXX. There have been no delinquent payments, and I have submitted receipts to XX/XX/XXXXand the credit bureaus. XX/XX/XXXX documented the 3 months of forbearance as 3 delinquent payments and threw me into foreclosure and forced me to agree with a foreclosure modification and did not explain the difference in a federal disaster forbearance modification and a foreclosure modification. Please help me straighten this out and get the delinquency off my credit report so I can get away from this unethical mortgage company. The mortgaged property is at XXXX XXXX XX/XX/XXXX. XXXX in XXXX XX/XX/XXXX, where I hope to retire to. I live and work in XX/XX/XXXX and my address is XXXX XX/XX/XXXXXX/XX/XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX XXXX Thank you. XXXX XXXX XXXX XXXX.
Product: Student loan

I have tried to resolve a credit dispute with Nelnet  for the past four months. I sent my last letter to Nelnet on XX/XX/XXXX  addressed directly to their CEO XXXX XXXX, and I have yet to receive a response to that letter. I am writing today in response to Nelnets response to a complaint I filed with the CFPB, claiming that Nelnet violated FCRA requirements by not responding timely to a credit bureau dispute I submitted to Nelnet on XX/XX/XXXX. I am hoping you can help resolve my issue.
On XX/XX/XXXX I filed a credit reporting dispute through Nelnets website, disputing past due payments reported on my credit report last year. On XX/XX/XXXX
, when I did not receive a response to my credit dispute from Nelnet, I submitted another credit reporting dispute through Nelnets website requesting that Nelnet remove any negative credit reporting because they violated FCRA dispute requirements. I saved a copy of both confirmations I received through Nelnets website, although I have to say their website provides very generic confirmations, which is why I print-screened to save the confirmation pages. In a letter dated XX/XX/XXXX from Nelnet, Nelnet denied any credit reporting inaccuracies and refused to remove any negative credit reporting. I then submitted a complaint to the CFPB because Nelnet failed to comply with FCRA dispute requirements, as Nelnet did not respond to my XX/XX/XXXX complaint within 30 days. Nelnets response to this CFPB complaint was that Nelnet did not receive a XX/XX/XXXX credit dispute, which is completely false. I have a copy of the confirmation page from Nelnets website, time/date stamped, from both occasions where I submitted a credit dispute. Included with this complaint are : - screen printed copy of confirmation I received from Nelnets website for my first credit dispute submission on XX/XX/XXXX, which Nelnet never acknowledged or responded to ( Nelnet claims they did not receive a dispute from me on this date, however, I have proof from their site that I submitted the dispute ) - screen printed copy of confirmation I received from Nelnets website for the second credit dispute I submitted on XX/XX/XXXX I am demanding that Nelnet eliminate all negative credit reporting in my credit file based on Nelnets violation of FCRA requirements. If this does not occur, I will contact my attorney to pursue further actions.
Product: Checking or savings account

XX/XX/2022 have been trying to get my money {$180.00} and US Bank reopended my account to and now my money has disappeared in thin air US Bank dont have it and nor does XXXX XXXX
Product: Checking or savings account

I deposited a check from my employer XXXX XXXX XXXX in the amount of {$1000.00} on XXXX XXXX at XXXX into my checking account through ATM. Immediately after I deposited my check {$230.00} was available at my leisure. I spend {$40.00} out of that amount which wouldve left me with {$190.00} Later on that day I tired to make a purchase and to my knowledge my card declined for insufficient funds. I then call the bank to see what the problem is. I was told that the money I did have in the account was on hold and that my checking account is now in the negative for the {$40.00} and my deposited check would be on hold. Now I am being told I cant receive all my funds until the XX/XX/2023. I have bills and to hold a check for that long? Ive never experienced this before at any other bank Ive banked with. This is unexpectable. US bank is also refusing to give me back the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taken advantage of due to mal-practice while several laws were being broken under the fcra by your company. Unable to get a loan pertaining to a car and house, and have experienced deformation of character with even less of an opportunity to obtain a reasonable credit score as a result. Your company has failed to provide reasonable proof of validation and has also allowed a derogatory mark back onto my account without my permission. This an account that has been removed by all other bureaus to note. The merchant claims that an amount of {$150.00} is owed without proper verification procedures. I have sent several letters ( please find attachment ) pertaining to the violations to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was looking at my credit report and saw a American Express credit card and I never applied for it so I believe someone used my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Consumer Loan

I am a current Avant customer. I have had a loan with them for 14 months - every payment made on time & auto deducted. I applied for a refinance & was given a TIL. All of the sudden, after putting in my bank information, they denied me. After waiting for two weeks, I was finally sent a denial notice via email. They denied me, a current customer, for " unable to verify identity. '' I attempted to call to speak to them & was told that I had to email their compliance department. When I did, they would n't answer me with what or why they were unable to verify the identity of a current customer. I believe I have the right as a consumer to know why my current loan company is unable to verify my identity. They have all of my personal information, including my social security number, bank information, name & date of birth. If they needed something additional, then they could have requested it. I believe this is a false reason for the denial & I also believe I am entitled to the reasons for a denial from a lender considering I meet their criteria. 
They have no problem verifying my identity to take my monthly payment each month so obviously this could n't be a great concern for them.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. Business ceased due to XXXX in XX/XX/XXXX. Contacted B of A Spring of XXXX as had to return to XXXX as wife has XXXX. Asked how could I deal with the matter. Told me to try to make payments. I offered a payment plan from XXXX pension. They declined. I have transcript told me to contact debt management. All this did was postpone the closing off of the card and added thousands in interest on an unpaid balance around {$50000.00}. Never heard any more until XX/XX/XXXX they garnished a personal account without warning. In XX/XX/XXXX did the same. This account supports my daughter who is a XXXX  mum with XXXX young children. Contacted multiple B of A departments. Eventually recovery told me I had refused a repayment plan in the spring ( totally untrue ) that my debt was now over {$62000.00} and I was personally liable. I agreed to pay just over {$600.00} a month on 2 conditions. 1/ That they took a payment 1st day of month. They took one that day which was XXXX. 2/ More importantly they provide my signed personal guarantee for a company debt and if unable to do so stop garnishing my personal accounts and provide a refund. I wrote on XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX Texas and included Credit Card Center, Debt Management, Debt Recovery, Credit Analyst Department and Business Manager. I have not received any communication whatsoever from the Bank of America to my complaint. I provided my XXXX address. They have my email, USA address and phone. I was told in XXXX that they do not keep records beyond 7 years so it is doubtful they will find a personal guarantee still filed but will put in a request. Really? If no personal guarantee exists then is this not fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

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 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 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

I am a victim of identity theft, and as a result a number of. accounts are on my report that are fraudulent. I would like to have these accounts blocked and removed from my credit report. 








XXXX XXXX XXXX Status Open Balance {$13000.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$650.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Retail Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$48000.00} Type Installment Loan Payment Status Late
Product: Credit card

This is the XXXX time I have written you about CitiGroup. I have a Best buy Card that I have closed. When I closed the account, they charged me for all of the interest that was went with the promotions on the items I bought. A few months ago, I wrote you to tell you that they had been charging me for a program I had never signed up for that was to protect me if I ever lost my job. Well, after they got your letter ( and after I informed them that I had lost my job ), they refunded me {$200.00} for the program that I had never signed up for. I paid a lot more than that for the program. But as soon as they found out I lost my job, then they were willing to back out. What a rip off. So now, I checked my card activity and they have charged me {$200.00} in XXXX for interest they say was from a promotion. I already paid that when I closed the card. I think I need a lawyer. I need help. I ca n't pay this off if they keep messing with me. Please, Please help me with this problem. If you ca n't do anything, then please refer me to a lawyer that will. 
Thank you. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Dear sir, I have checked the review of CFPB submitted by the employee of your company, PayPal ( CFPB No. XXXX ). At first, I would like to mention the concern regarding the logo, which was used in the letter submitted by this employee, even though I do not want to receive any more answer officially regarding my concern. Please, only if the logo in the letter is your company logo, answer me. The logo mark is not same as PayPal logo which we can check online. Also, the logo only suggests Pay, as if those who use this logo do not want to have any friendship, pal, which should be the original intention when PayPal was founded, the secure and reliable money transfer between the pals based on the friendships. Therefore, I wonder why this employee of global customer complaints & advocacy of your office addressed XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX could use this logo for this serious dispute and refund matters. 
I have read the content of review. Most of it was same which submitted before. The only part which needs to be clarified is I do not recognize the meaning of you have declined [ my ] request for reimbursement. Since I am not a party to ask the reimbursement, this comment by XXXX XXXX XXXX is suspicious. 
Sincerely,
Product: Debt collection

Two accounts with this company were open and abused without my authorization or consent or even knowledge while I was incarcerated. As soon as I found out I had written this company to assure them that it was not me and prove that I was incarcerated during the dates these accounts were opened. they still report this account negatively to XXXX  and try to attempt to collect a debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 a account without my written instructions
Product: Credit card

Information was received on my email from scammer impersonating XXXX. A buyer advised me they made a purchase from me and for me to verify my credit card on file so the order can go through. The Email instructed me to click a link to verify my credit card for credit card verification. They removed {$310.00} unauthorized from my credit card associated with my checking account. I submitted all emails from scammers, text messages used to verify money withdrawn. Navy Federal is refusing to refund money.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and Im unsure why theyre there. I routinely check my credit report, but this time, discrepancies appeared unexpectedly. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I request that the documents Ive provided be carefully reviewed to ensure this issue is resolved permanently, so I can stop worrying about it.