23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The current XXXX XXXX credit card account with a balance of {$16000.00} is in bankruptcy and the debt has been discharged under Chapter XXXX bankruptcy in the United States XXXX XXXX  of Minnesota.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

back on XX/XX/23 i sent transunion a dispute to look into the matter of my credit report being inaccurate. I have sent multiple request and have gone unheard and this is also causing me some stress because im in the process of finding a house for me and my family but have not been able to resolve this issue. Please help me resolve these things that are hindering me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ,  XXXX , and Experian are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more t han two years and they have not removed them from my credit file.    They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please help.
Product: Mortgage

This complaint arises out of a loan application from XXXX ( NMLS # XXXX ). The complaint is : ( 1 ) improper statement during an initial phone conversation about available rates and the ability to change interest rate after lock-in ; ( 2 ) failure to correct loan disclosures and other documents ( e.g. loan application ) when asked several times ; ( 3 ) failing to stop sending e-mails asking to sign loan disclosures after loan application was cancelled ; and ( 4 ) continuing to inform me that I had to sign improper documents. 

On or about XX/XX/2017, I was shopping online for a mortgage quote. After speaking with XXXX XXXX ( NMLS # XXXX ) at XXXX about the mortgage rates, I questioned him about a {$450.00} " lock-in '' cancellation fee. He indicated that that fee had only been charged one time in 8 years and that it only related to if the loan details substantially changed. I specifically asked about whether the interest rate can be changed after the lock-in and he stated that it could change. Once I received the initial disclosures, application, and other documents ( the " Documents '' ), I noticed a errors in the Documents. XXXX stated they would fix the errors but told me that I would have to sign the existing Documents and they could n't generate new ones. On XX/XX/2017, I spoke with a supervisor about the issues with the Documents, that the amount quoted online was different, and that the interest rate was now lower. I requested all of these items to be changed. The supervisor informed me that it does n't matter if the Documents were incorrect I was just signing that I acknowledged they were received. However, the Documents included much more than what was indicated on the phone including without limitation the actual loan application, request for tax transcript, etc. In addition, despite the original conversation with XXXX that I would be able to change the interest terms, XXXX XXXX XXXX failed to honor its original obligations to lower the interest rate. I informed them I no longer wanted to do business with XXXX. I received an e-mail stating the loan application was cancelled. Thereafter, every day I kept receiving e-mails from XXXX asking me to sign the Documents. On XX/XX/2017, I e-mailed XXXX asking him to stop the automatic e-mails. He responded by stating : " Unfortunately the only way to get rid of those daily reminders is to sign. The reason is the government requires that we keep a record of the disclosures, therefore we can not delete them. As well as a record of the borrower acknowledging they received them. '' XXXX failed to let me know that I could select " decline to sign '' on the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was not discharged in my bankruptcy, I want that removed from my records
Product: Checking or savings account

I had a XXXX  month CD for {$230000.00} at Citizens Bank, XXXX, MA that had a mature date of XXXX XXXX, XXXX. On XX/XX/2023 I called the bank and spoke to a woman called XXXX who told me that the only penalty would be for {$78.00} because I was a senior citizen. 
On XXXX XXXX, XXXX I went to the bank at XXXX XXXX and tried to withdraw the money because I needed it for a closing. I was told the computer was off line and they could not help me. 

On XX/XX/2023 I returned to the bank to withdraw my funds and was told that a fraud alert had been placed on my CD but no one knew why. I waited for an hour while their employee XXXX XXXX participated in various computer chats with various employees off site to resolve the issue. 
Nothing was happening and it was now almost XXXX and I was sitting watching XXXX XXXX on his computer. I asked to speak to the manager, XXXX XXXX who was not helpful and offered lip service as to why I could not access my funds. I finally left. 
Finally, at XXXX I received a phone call telling me that my check was ready. I picked it up and it was for some {$3100.00} less that my statement. I asked XXXX XXXX to explain the variance and he said they were charging penalties on the CD. I had told him what XXXX had told me and he said she was wrong. I asked him for a listing of the penalties so I could refute them and he gave me that. I was told by their employee that penalties would not be assessed. I was not given the opportunity to refuse to pay the penalties until I went to pick up my check. I was not given a list of the penalties until I asked for it. 
These employees wasted my time on a matter of a fraud alert that had to do with the bank 's inner workings, and nothing to do with me. I relied on their information to withdraw my money and was not allowed to do so for XXXX hours. 
I would like the penalties waived and credited to me. That is the least they can do.
Product: Checking or savings account

On Thursday XX/XX/XXXX, I deposited a check into NAVY FCU at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The check is my XXXX XXXX from the XXXX XXXX XXXX and reflects that it is from the XXXX XXXX XXXX XXXX XXXX. Navy FCU emailed me informing me that they will be delaying the funds. The email reads, " We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. '' I called and informed them the check is a XXXX XXXX check and reminded them that per their Funds Availability Schedule they are required to release XXXX XXXX  check XXXX after the deposit date. 
Next-Day Availability. 
BELOW IS THE FUNDS AVAILABILITY SCHEDULE : Funds from the following deposits are available on ( or before ) the first Business Day after the day we are considered to have received your deposit : U.S. Treasury Checks that are payable to you Received electronic payments, such as wire transfers, and Automated Clearing House ( ACH ) credits Checks drawn on any bank, {$220.00} or less On-us checks deposited at a Navy Federal branch office or at a Navy Federal ATM located inside or within XXXX feet of a Navy Federal branch office. 
If you make a deposit in person to a MSR at a branch, funds from the following deposits are also available on the first Business Day after the day we are considered to have received your deposit : State and local government checks that are payable to you Cashiers, certified, and tellers checks that are payable to you Federal Reserve Bank checks, XXXX XXXX XXXX XXXX checks, and postal money orders, if these items are payable to you Cash Other on-us checks
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the many formal attempts to address this pressing issue. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$570.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$980.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$980.00}.
Product: Debt collection

Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for multiple violations of my consumer rights under federal law, specifically regarding the Fair Debt Collection Practices Act ( FDCPA ) and related regulations. On [ XX/XX/year> ], I sent a dispute letter to XXXX XXXX XXXX disputing any and all debts they claim I owe. In this letter, I explicitly revoked their right to communicate with me through email, text, or phone calls. I also requested the following : XXXX. Debt Validation : Proof of the debt as mandated by 12 CFR 1006.34 ( b ) ( 5 ). 2. Purchase Agreement : A copy of the purchase agreement between XXXX XXXX XXXX and the original creditor. XXXX. Licensing Information : Proof that they are licensed and bonded to operate as a collection agency. Despite my requests, XXXX XXXX XXXX has failed to provide the required validation information and has placed a collection on my consumer report without giving me a chance to dispute the account, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, their actions constitute a clear violation of my rights under the FDCPA, as they are employing false, misleading, and deceptive means to collect a debt. They have no authority to furnish any accounts to consumer reporting agencies without providing the necessary disclosures as required by law, specifically under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). The failure of XXXX XXXX XXXX to adhere to these regulations is not only a violation of my rights but also undermines the integrity of the debt collection process. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their unlawful practices. I look forward to your prompt attention to this serious issue. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these late payments Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Debt collection

This company contacted me via email stating that I owed a debt that I never had. They are trying to collect a debt that they say that I owe, that I have never had at all. I don't appreciate them sending me an email about something that I don't owe.
Product: Money transfer, virtual currency, or money service

I wired money from m y    XXXX   XXXX   XXXX   account to my account on  XXXX , a division of Coinbase , Inc .   That was 5 days ago, the money is neither in my bank account or in my account at  Coinbase.  After  XXXX  attempts to reach out to Coinbase/ XXXX  via multiple support channels  (  XXXX ,  XXXX ,    Support Ticket,  Email, Community Forum ) I have gotten only one automated response, no human response to my request for my funds in one form or another. This seems to be a pattern with Coinbase according to many form posts. I would avoid doing business with them in the future. They are in clear violation of their terms of service.
Product: Student loan

XXXX   XXXX ,  2017 I am su bmitting this updated request because you are able to help us in so many ways. Although, there are some big companies who are not cooperative and would not help, the way you do but at least you are able to let them act partly on our complaint and grievance.   The last complaint I filed is about our private student loan with National Collegiate Trust, being serviced by  American Education Services.  My request was for National Collegiate Trust to lower our monthly payment because we have overpaid, National Collegiate Trust for so many months and years. By  XXXX   XXXX , 2017, they are expecting a payment of {$300.00} plus. I was paying them for {$150.00} dollars w hich American Education Services have accepted for more than 5 years up to this date.  The reason wh y, National College Trust  was overpaid, is becau se American Education Services did  not record our payment to each individual private loan. So, the  XXXX   XXXX   XXXX  ) of the private student loan from   XXXX   XXXX    XXXX ,   XXXX   XXXX   ,  and another student loan fro m National Collegiate Trus t /  XXXX    XXXX   XXXX    Collection agency  went on default.   All our payment went to this private student loan, disbursed on  XXXX / XXXX / XXXX , this is loan where all our payments was recorded and remitted to National Collegiate Trust. And this student loan of  XXXX / XXXX / XXXX , is also owned by N  ational Collegiate Trust.
We are appeased by American Education Services of the payment of {$300.00} for the time being, by    giving us  XXXX  forbearance monthly payment for  three ( 3 ) months of  {$50.00} for  XXXX  2017 for  XXXX   2017,  and for  XXXX   2017.    By  XXXX   2017,  we are expected  by American Education Services to pay, {$300.00}. This big amount we can not afford, beca use even as of this writing we do not have fund to pay our monthly home amortization and our other very urgent bills.   I would like to include and I am attaching a supporting documents about the lawsuit, filed by student against National Collegiate Trust, and we are very thankful to  XXXX , that we are included in the settlement for this lawsuit. Please help us negotiate with National Collegiate Trust an d American Education Services,   to allow us to pay, an amount of {$150.00}, the previous amount, we use to pay since, year  XXXX , up to  XXXX   2017,  We have completed the payment for the forbearance amount of {$150.00} for the  three ( 3  ) months they have granted to us,  XXXX   2017  to  XXXX   2017.    Thank you for all your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX XXXX for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.
Product: Debt collection

a fraudulent check was issued to XXXX XXXX XXXX in the amount of {$260.00} Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current owner XXXX XXXX XXXX XXXX XXXX Trident Asset Management, LLC Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX. YOUR ATTENTION IS VERY IMPORTANT. PLEASE SEE ATTACHED.
Product: Checking or savings account

I received 4 letters from Bank of America about my 2 checking account that were in good standing with positive balance for close to 3 years, about the bank decision in closing both accounts. I called the number on the letter and they couldnt provide a reason for the closer or a way to reopen. The next day when to the regional office in my town and they were less helpful. XXXX XXXX and care for my elderly grandparent and parent. This is not ok. I sat in the bank for XXXX hours. The letters were generic in form looked photo copied and at first I suspected fraudulent documents but they are not. Then the letters state they may report this to XXXX and it could prevent me from obtaining another account at another bank
Product: Credit card

I have received an email that NFCU was not able to get the money back and sent the merchant arbitration to respond in 30 days. I have noticed the amount of {$4000.00} was debited from my account. The person who processed this dispute DID NOT TAKE THE TIME TO READ WHAT THE ACTUAL merchant sent me. I am enclosing this information and have contacted NFCU to have them immediately correct the amount based on the credit I am owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX DEPT OF ED/XXXX Account # XXXX DEPT OF ED/XXXX  Account # XXXX DEPT OF EDXXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX ha violated my rights 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 an account without my written instructions.
Product: Mortgage

I requested PNC Bank close my escrow account. I received confirmation from PNC that escrow account closure was approved. PNC letter dated XX/XX/XXXX, to close escrow account requested closure fee {$900.00} + negative account closure balance {$3800.00} = {$4700.00}. I returned PNC signed consent form + I sent PNC cashiers check {$2200.00} + I paid 2nd quarter XXXX XXXX property taxes which was becoming due the XXXX of XX/XX/XXXX of {$2500.00} = {$4700.00}. PNC Bank now owes me {$400.00}. PNC is refusing to close escrow account and is demanding I return payment to them of {$2500.00}, the exact amount of confirmed property/city taxes paid to the XXXX of XXXX XXXX XXXX I have been in contact with XXXX XXXX, XXXX at PNC Bank, Executive Client Relations ; who has gone incognito as of Friday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called PNC Customer Support and was told they could not help as this matter has already been escalated. My mortgage account has been abandoned and is racking up unnecessary fees, which I know will be removed by PNC. I was told by PNC Customer Support they could not help as this matter has already been escalated. I find the whole thing preposterous. It was PNCs gross neglect of my account which caused a negative escrow balance to arise in the first place. And now similar to creating a negative escrow balance by failure to properly pay automated property taxes, PNC 's gross neglect of my account to close escrow is causing me severe anxiety and distrust of this institution. PNC should acknowledged that escrow has been closed. PNC is still escrowing - why? I do not want PNC in my account other than to accept mortgage of {$1800.00} which becomes due on the XXXX of each month. Kindly return overpayment PNC check to me of {$400.00}.