23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Servicing for my student loan has gone to Ed Financial. I have made some payments even though payments have been suspended and interest has been suspended. I try to budget each month and have been tracking my balance for all my debt. I felt that my payments had not been properly applied and went online to view my monthly statement. My balance on XX/XX/2022 was {$26.00}, XXXX. I made a payment of {$110.00}. My balance today, XX/XX/2022 is {$26000.00}, so the balance only changed by a dollar?. I could not view statements and had elected for paperless statements in the past. I called Ed Financial today, XX/XX/2022 to ask about the payments and try and get statement or payment information. The online payment does not show previous balance only the payment made. I was informed by XXXX with Ed Financial, that they do not send statements right now because of the payment suspension. I believe there is a regulation that if you make a payment, a statement has to be generated. I could be wrong, but if this is the case, then Ed Financial needs to be made aware of this so that they can follow Regulation. I will now have to wait 29 business days to receive my payment history breakdown via email. This is not acceptable.
Product: Checking or savings account

On XX/XX/19 had {$240000.00} wired into an account I set online. I have spent approximately 10 hours of phone calls and emails attempting to get access to the account. After several phone calls, I leaned that the first two XXXX verification documents I sent were rejected because they were in my first name and not the initials I used to set up the account. When I asked why I had not received any communication from them as to the problem, I was told they don't make those types of call. On XXXX, I uploaded another XXXX document that had my address and my name listed as initials and received a confirmation from bank that doc had been received. I just got off of another 45 minute call today ( XX/XX/XXXX ) and was told that the doc was never received and I should call again next week. I spoke with a supervisor who told me that she would have to check with another dept and get back with me but advised that Citibank might reject doc anyway ( because I recently moved and the bill did not include the last 30 days ). I told her that if that happened, I just wanted to get my money. Her response was to tell me that it could take 30 days for them to send me a check.-which would mean they would have had my money for 45 days for free. This is a pretty shady way for a bank to make its money and its money seems more criminal than just bad customer service.
Product: Debt collection

I have been receiving calls from collection agency regarding an ambulance bill from XXXX WA Fire Dept. I have repeatedly asked them to not call my work phone. I have repeatedly requested that they mail a letter showing the original service date ( s ) and they have mailed anything.
Product: Credit reporting or other personal consumer reports

TransUnion File Id # XXXX Will someone at TransUnion PLEASE CORRECT MY CREDIT REPORT? I have repeatedly brought this matter to TransUnion, but they keep stating that the information reported is correct, but it is clearly not. I previously disputed this issue on XX/XX/XXXX and XX/XX/XXXX, and it was incorrectly addressed. If my credit report is not corrected, I will file a suit against TransUnion and XXXX XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ). 
TransUnion and XXXX XXXX XXXX XXXX reporting that I have a balance of {$17000.00} for a XXXX XXXX. First of all, I have never taken out a student loan with XXXX XXXX XXXX Secondly, XXXX XXXX most likely does not provide student loans as they are strictly a mortgage company. Thirdly, I once had a mortgage with XXXX XXXX ; XXXX, the mortgage was originally sold to XXXX and, most recently, to XXXX XXXX. Because the mortgage was sold, the tradeline for XXXX XXXX XXXX XXXX a XXXX balance and is reported correctly as a XXXX balance with XXXX and XXXX. TransUnion refuses to report the balance of the DovenMuehle Mortgage/Homeside correctly and instead is reporting the same tradeline information for my Dept Of EDXXXX for the XXXX  Mortgage/Homeside tradeline. This means TransUnion has for several months inaccurately reported that I owe {$17000.00} more than I actually owe, and as a result, my TransUnion credit score is approximately XXXX points lower than XXXX and XXXX. This impacts how creditors evaluate my debt and has been detrimental and resulted in denied credit applications. This is my final attempt to have this corrected outside of court. If my credit report is not corrected, I will immediately file a suit against TransUnion and XXXX XXXX for purposely reporting inaccurate information to my credit report, violating FCRA 523 ( a ), and will seek financial remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CITIBANK purposely harassed the card holder from XXXX for the charges disputed by the card holder even it knew what it did was wrong from the beginning!

2. CITIBANK hired several collection agencies to do the same things, several collection agencies backed out after they got the disputing reasons card holder provided.

3. CITIBANK executive responding unit : reversed black and white at and fact twice in their letters to the card holder.

4. CITIBANK in XXXX again hired XXXX XXXX XXXX XXXX XXXX as its another try : filed civic case against the card holder. 

5. XXXX XXXX XXXX, XXXX requested the dismissal the case on XX/XX/XXXX just days before the trial date of XX/XX/XXXX, WHY! 

6. Card holder faxed a request ( 98 pages ) to CITIBANK disputing dept at XXXX and XXXX XXXX XXXX at XXXX, XXXX on XX/XX/XXXX, NO RESPONSE from either of these two, WHY! 

7. Card holder reserves the right for further legal actions against CITIBANK.
Product: Debt collection

Why is this debt still reporting on all 3 credit bureaus???? Attach is your aid # and it still has not been removed? I talked to the bureaus and they stated that all you have to do is fax over the removal documentation?
Product: Debt collection

I have never done business with Cavalry Portfolio Services. I do it have a signed contract nor any contract with Cavalry Portifolio Services. I have the right to demand to request and obtain a validation of debt from Cavalry Portofolio Services since they are reporting a trade line on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a fraudulent account that has been reported on my credit report. On or around XX/XX/year>, I submitted a dispute to TransUnion concerning an account fraudulently opened in my name by a company called XXXX XXXX. 

This account was opened without my knowledge or authorization, and I have never conducted business with XXXX XXXX. Despite my dispute, the account remains on my credit report, negatively impacting my credit score. I am requesting the CFPBs assistance in ensuring this fraudulent account is removed promptly. 

Details of the Complaint : Creditor Name : XXXX XXXX ( XXXX XXXX ) Account Number ( if available ) : XXXX Date Account Appeared on Report : XX/XX/year> Date of Dispute with TransUnion : On or around XXXXXXXX XXXX XXXX Response from TransUnion ( if any ) : I submitted a complaint to Transunion which is currently under investigation. However, it is my understanding that while the investigation is ongoing, because it is a fraudulent account, the information must be blocked. As of XX/XX/year>, the fraudulent accounts continues to appear on my credit report. My credit score also decreased XXXX points as a result of derogatory remarks and missed payments associated with this fraudulent account. 

I have attached copies of my dispute letter to TransUnion, any responses I have received, and any supporting documentation, including my identification and any police report or identity theft affidavit, if applicable. 

I request that the CFPB investigate this matter and take the necessary action to ensure that TransUnion and XXXX XXXX remove this fraudulent account from my credit report. 

Thank you for your time and assistance. Please let me know if any further information is required.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Experian, and XXXX about fraudulent activity and inaccurate information on my credit report. I asked them to verify those accounts and after they did, there were still inaccurate reports on my credit. 

( SELF/SSATBK ) Do not recognize account ( XXXX ) Amount {$120.00} Inaccurate Information ( XXXX XXXX XXXX ) DUPLICATE ACCOUNT Do not recognize neither Account ( XXXX XXXX ) DUPLICATE ( XXXX XXXX ) Do not recognize account
Product: Debt collection

This company has no reason for trying to collect on a account that the company has collected as a tax right of
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Please block this information from my credit report within XXXX business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, this account was not authorized by me and must be removed immediately. 
The fraudulent account is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 2 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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: Debt collection

After disclosing to XXXX XXXX located in XXXX XXXX XXXX, SC on XXXX XXXX XXXX XXXX XXXX XXXX, that I was unable to make my next payment due to a death in my immediate family. They were reluctant to work out a payment plan with me at the time and encouraged me to submit payment as soon as possible. I immediately starting receiving threatening letters at my home address demanding payment or my items would be seized and/or I would be sued by their company. After carefully reviewing my credit report, I noticed that XXXX XXXX made UNAUTHORIZED HARD INQUIRIES on XX/XX/2022 and XX/XX/2022 that I did NOT give permission for. XXXX XXXX XXXX has no permissible purpose according to the FCRA. When I called to inquire about the unauthorized hard pulls on my credit report, XXXX, ( employee of XXXX XXXX ), claimed he had no knowledge that this was done. Due to those unauthorized hard inquiries and unfair reporting practices, Im unable to receive any further loan assistance. Attached is a document proving the hard inquiries were pulled via XXXX XXXX.
Product: Credit card

I am writing to formally address an issue regarding my line of credit account with U.S. Bank, which I opened in XX/XX/XXXX with a credit limit of {$300.00}. I have discovered that U.S. Bank charged me {$120.00} in late fees within the first year, which I believe violates federal and state laws, including the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) and Minnesota Statutes Section 334.16. 

Additionally, I never received billing statements for this account because the address on file was incorrect. I only became aware of this issue after receiving a response from U.S. Bank through the Consumer Financial Protection Bureau ( CFPB ), which included correspondence sent to an incorrect address. 

This issue has caused significant harm to me, as I was recently denied a mortgage due to the negative credit reporting associated with this account. I have already attempted to resolve this matter through the CFPB, but I have not received a satisfactory response from U.S. Bank. 

My Requests To resolve this matter, I am requesting the following : Immediate removal of the negative credit report related to this account. 
Reimbursement of the {$120.00} in late fees that were improperly charged. 
Compensation of {$3000.00} for violations of the Fair Credit Reporting Act ( FCRA ) and the harm caused to my creditworthiness. 
If I do not receive a satisfactory response by XX/XX/XXXX, I will have no choice but to initiate arbitration proceedings as outlined in the terms of my account agreement. 

Legal Basis for My Claim Under the CARD Act, total fees in the first year of an account can not exceed 25 % of the credit limit. For my {$300.00} line of credit, this means total fees should not have exceeded {$75.00}, yet I was charged {$120.00} in late fees. 
U.S. Bank failed to send billing statements to my correct address, which violates federal requirements for accurate and timely billing. 
The negative credit reporting caused by this issue has directly harmed my ability to secure a mortgage, in violation of the FCRA. 
I trust that U.S. Bank will take this matter seriously and work to resolve it promptly. Please provide a written response to this email by XX/XX/XXXX, confirming the actions U.S. Bank will take to address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Student loan

I have had to send in multiple papers when I was in the hospital for a year and when I couldnt work. I had doctors fill out the paperwork but Navient kept saying the dr didnt fill the paperwork out correctly. After 4 times my dr said wed went over everything and still they say its not correct. I have called multiple times for loan forgiveness. I get calls XXXX it never stops and its back to back calls. The first person doesnt even hang up before another call comes in. These people are difficult to deal with and have poor management within the customer service department. This mess has been going on for more than 5 years. I need them to stop.
Product: Credit reporting or other personal consumer reports

I need help from the Consumer Reporting Agencies in resolving my issues concerning these invalid entries that were placed on my credit report. I want to fix this one and for all.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting of XXXX accounts by XXXX and associated mismanagement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with both accounts erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentationsuch as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

Additionally, it is critical to highlight that both accounts were written off and reported as income through 1099 forms. As these debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. The failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score. 

Given the severity of these inaccuracies and the direct impact on my life.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my XXXX, XXXX 's And Experian credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Mortgage

Select Portfolio Serving - This lender increased my escrow {$1900.00} then sent me a letter stating my taxes went up. That is not true. I cant afford this type of increase. This lender is doing unethical things and lying to its customers.
Product: Credit card or prepaid card

I HAD AN ACCOUNT WITH WELLS FARGO AND I HAD A SECURE CREDIT CARD THRU THEM. THEY ENDED UP CLOSING MY ACCOUNT BECAUSE THEY SAID I OWED THEM {$800.00} ON THE SECURE CREDIT CARD. WHICH I DIDNT. THEY WOULD TURN MY CARD OFF DAILY BECAUSE I WAS USING IT ALOT WITH MY OWN MONEY I WOULD BE ADDING. WHEN I FINALLY JUST OPENED ANOTHER CARD THEY SENT ME AN {$800.00} BILL. WHEN THE ONLY MONEY YOU CAN USE ON A SECURED CARD IS THE MONEY YOU PUT ON THERE FIRST. I HREQUESTED A MEETING WITH THE MANAGER AT WELLS FARGO LOCATION XXXX XXXX XXXX XXXX XXXXXXXX. AFTRER THE MEETING I WAS UNDER IMPRESSION ALL WOULD CLEAR UP. IT DIDNT. ALSO I BELIEVE RANDOM SMALL AMOUNTS OF CASH WOULD JUST DISSAPPEAR FROM MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 My lender is unable to obtain my credit report/score from Experian. Several attempts to upload copies of proof of ID onto their website as instructed resulted in error. Two ( 2 ) written requests to permanently unfreeze my account were submitted via U.S. Postal Service on XX/XX/2019 and included copies of the following ID 's as requested ; Driver 's License Social Security Card Passport Bank Statement Real Estate License On XX/XX/2019 I received a reply from Experian which included a report number as well as a personal ID number to use in order to unfreeze my account. However, an error was repeatedly received after many attempts. 

I have attempted to reach out to Experian in order to speak with a live person. However, this option is not available through their automated telecommunication service. Efforts made by my lenders to request a credit score/report have been exhausted. As well as my own attempts to permanently remove the security freeze. 

While my lenders are currently on hold, my loan application will soon expire. Therefore, it is critical for my lenders to receive my credit score from Experian without further delay. Your attention in this matter is appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened with Self Financial/Lead Bank on XX/XX/XXXX, and an real estate loan opened with XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/2023 my wife wrote a check for {$1800.00} to XXXX XXXX XXXX XXXX. 
The check was presented and paid on XX/XX/2023. 
This morning I discovered the check was rejected and the funds were credited back to my account. 
It was a frustrating experience to try to find out why such action was taken. 
Several bank employees could only tell me that a fraud agent decided not to pay check after calling me. 
No such call was ever received by me or showing on my phone log. 
The solution the bank suggested is to go to a branch or make some additional phone calls. 
Obviously Citi Bank needs to review their procedures and training of their staff. 
It is not the consumer who needs to run around to correct an " error '' of the bank which only benefit the bank by holding the funds longer. 
It is an embarrassment to have a check bounce specially when it is not your fault.