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

I received a check from a record label I'd done some music for. The check totalled {$7000.00} dollars. Citizens bank employee XXXX XXXX was very polite and helpful when opening the account saying that five to seven business days were needed for the account to clear. I assured her that I would pay past overdraft fees from past accounts and looked forward to continuing to bank there as it is located in my neighborhood. This took place at the end of XX/XX/2017. After five business days I was told that the funds were not available and unable to get a pin number for my new atm card meaning no check and the inability to deposit my payroll checks from my job as well. I went to discuss with tellers early one morning only to be dismissed by a woman named XXXX the acting bank manager. She said the check was bad and had not been cleared. When I talked to the person that issued the check, XXXX XXXX XXXX, their bank, had generated the check electronically with an electronic signature via XXXX XXXX. After meeting with XXXX no one would explain how we could solve the issue. She was unwilling to explain what " discrepancies '' were found in the way the check was issued. This has ruined my XXXX season and the ideas I had for moving forward as an aspiring musician. They now claim the check will be returned in XX/XX/XXXX to the issuer. I simply can't believe they would steal my money. If they didn't want to open the account I would gladly gone to another bank.
Product: Credit reporting

I completed the Student Loan Rehabilitation Program on XXXX XXXX XXXX after XXXX consecutive on time payments. I was in default on my student loans and dreaded the calls from the collection agency. I decided to address the defaulted loans in XXXX XXXX. I was told by the collection agency and the guarantor that all negative entries related to the default and late payments would be removed. I am aware that in certain circumstances if you were delinquent prior to entering into said agreement those negative items could remain. That was not the case with my XXXX tradelines that are in dispute. I repeatedly asked both parties to be sure I understood. I made my monthly payments to XXXX XXXX on behalf of XXXX. XXXX had received my loans from XXXX Bank. XXXX STATED that the XXXX Bank tradelines would be updated to reflect no late payments or they would be removed completely because of the Statute of Limitations ( XX/XX/XXXX ). All XXXX of the ( XXXX ) tradelines would be removed as well. XXXX was removed. XXXX will not update the information and as a result Equifax, XXXX and XXXX are stating that " XXXX '' says the information is accurate. The information is not accurate because XXXX is also stating to the XXXX Bureaus I had a late payment in XXXX XXXX. I have not had any relationship with XXXX since XX/XX/XXXX. They refuse to update even after I called XXXX directly as instructed by Equifax and XXXX. The credit bureau representative stated that there is a XXXX balance on my report for all XXXX XXXX entries and the lates will be removed according to their records in XX/XX/XXXX so " you do n't have to wait much longer '' and it is not affecting your score. It is affecting my score because it shows XXXX late payments for all XXXX loans. I do not want to wait 2 months to get information off of my report that should n't be there, I most certainly do n't want to wait two more years. The fact still remains that I have met my on time payment obligation. I paid as agreed and now the credit bureaus should follow the rules and comply as well. It is very difficult dealing with XXXX as a regular everyday working American. I understand that the credit bureaus do n't want to deal with it either, but it is their job to get proof and resolution. They have not done either. XXXX Bank should be deleted from my file. They refuse to provide proper documentation to support what they 're reporting is accurate and this is wrong.
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the inquiry described below. They must be stopped and demolished. Please remove all phony and erroneous inquiry from my consumer report that i am unaware of as a result of the Equifax and XXXX data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Product: Debt collection

Keep calling my sick mother looking for me even though both of us have tried to tell them to stop. They hang up on us before we have the opportunity
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the erroneous and damaging account information reported by XXXX  ( Account # XXXX ) on my credit report, which lists XXXX XXXX XXXX XXXX as the original creditor. This account, opened on XX/XX/XXXX, with a reported balance of {$6300.00} ( updated as of XX/XX/XXXX ), is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( c ), which limits the time period in which adverse information may be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX  XXXX Balance {$930.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXX  XXXXX Balance {$2600.00} XXXX XXXX  XXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX  Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Product: Mortgage

I have my home loan with Citi mirtgae since XX/XX/XXXX my house has been worth less ans less every year since then at one point about half its original value. I have made all my payments on time and never missed a mortgage payment. They adjusted my rate XX/XX/XXXX to a lower fixed rate but my house is still under water. Im thinking qbout walking away drom my loan.
Product: Money transfer, virtual currency, or money service

I was trying to link my bank account with the CFPB in order to receive funds. PNC would not allow the link to be made
Product: Student loan

I am writing to express my deep frustration and concern regarding the recent challenges I've faced while managing my student loans through Nelnet , Inc . I kindly request your assistance in resolving these matters and providing clear guidance on the status of my applications. 

Over the past few months, with help from the XXXX XXXX XXXX XXXX, I've made persistent attempts to contact Nelnet by phone to discuss crucial matters concerning my student loans, such as applying for unemployment deferment and completing the Income-Driven Repayment ( IDR ) plan. Regrettably, despite spending multiple hours on hold ( up to XXXX hours per day ), I've encountered extensive wait times and have been unable to reach a representative. 

I understand there are others who may be going through the same difficulties, and I am a customer in line. However, this ongoing difficulty in establishing contact has left me feeling overwhelmed and anxious about the status of my student loans. As a responsible borrower, I'm committed to maintaining good standing and ensuring the accuracy of my payments and paperwork. However, the lack of timely communication with Nelnet has made it challenging for me to proceed, placing added pressure on my job search. 

Moreover, I am formally disputing a XXXX-day delinquency that has inaccurately impacted my student loan account and been reported to the three credit bureaus. This has severely damaged my credit standing, despite my consistent efforts to maintain a spotless payment history over the past several years. 

Upon receiving an alert from my credit reports indicating a XXXX-day missed payment on XX/XX/2023, I realized there might be an error in this assessment. Due to the imminent date of my loans becoming due, I realized I was running out of time, therefore, with the help of the National Student Loan reps, I had already applied for an unemployment deferment and completed my IDR repayment plan before the XX/XX/2023 deadline. I have attached proof of this correspondence for your reference. 

This error has caused undue stress and concern, impacting my credit score and financial standing. I've always been committed to meeting my financial obligations, and it's essential that my record accurately reflects this. 

I kindly request a prompt investigation and correction of this error, along with confirmation of the correction. Additionally, I would appreciate the removal of the XXXXday reporting from my account. This has brought on damage beyond repair at this point. 

I trusted that Nelnet would take matters like this seriously and would address this situation promptly. I value my positive relationship with them and hoped to resolve this issue amicably. However, after receiving the last correspondence from them, it has brought on more frustration due to the lack of empathy and communication. 

Your attention to this matter and commitment to assisting me with resolving these challenges are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against XXXX and Bank of America. On XXXX I received an alert that a hard inquire was made by Bank of America. I contacted XXXX because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with Bank of America. The following day I called Bank of America fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted XXXX and let them know that Bank of America could not see the inquire so they were unable to help me. XXXX started that they needed Bank of America to write a letter stating that the inquire was fraud. I investigated further on XXXX website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on XXXX website clearly shows the name and address which do not match my information. I was told by XXXX they could not help me without the letter from Bank of America. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that XXXX has the information on their own website showing it was not me and they will not assist me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX-XXXX  POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX XXXX  XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX
Product: Mortgage

The XXXX XXXX XXXX has reached out to Amegy Bank on several dates going back several years to rsolve the banks continuing practices of illegal discrimination and modern day redlining - all to no avail. 

Amegy Bank remains in denial and refuses to meet to resolve the outstanding Illegal Discrimination Claims - outlined in the Complaint.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates.

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Wells Fargo continuously reports a late payment on my account although they were paid on time and there was not thirty days between payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Bank account or service

On XXXX/XXXX/15 I received an email that my account was overdrawn. When I opened up my account, I had XXXX {$36.00} overdraft fees. I immediately started reviewing the account and could not find where it was overdrawn. I contacted PNC Bank to inquire about the fees. In the chat with the representative XXXX, it was stated that the check I deposited was n't cleared until XX/XX/XXXX. On the online tool that they provide it clearly states that my check was cleared on XX/XX/XXXX and all of the transactions were posted after the check was cleared. The representative said that the check was not cleared until XX/XX/XXXX. PNC bank provides this tool for consumers to to keep track of their spending, but are now telling me that it is not accurate. I have attached a copy of my transcript, a screenshot of the transactions which do not show my account in the negative, and a previous overdraft which does show my account in the negative. If the tool is inaccurate, then it should not be made available to the consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries that have appeared on my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be promptly removed.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX. 
o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} XXXX. XXXXXXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$XXXX} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXXXXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( XXXX Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  B ( Inquiry Date : XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

Debit was settled and they charged off the balance, however after several years it was still showing on credit report as closed account with a balance due, I tried to dispute the balance to have it removed however after I did the dispute they reopened the account and started to report me late on payments when the account should of been closed and at the very least as a charged off balance like it had shown for several yrs. I feel this was a deliberate attempt to retaliate against me for putting in a dispute. Since then my credit as dropping several points.