23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX/XXXX/XXXX I was accepted into Wells Fargo Loan Modification Program Trial Period. I voluntarily sought help before I became delinquent with my mortgage payments. I was not under any foreclosure process. At that time I was advised by Preservation Specialist XXXX that I would not make a XXXX XXXX Mortgage Payment since being accepted into the Modification Program. However, since my mortgage payment was automatically debited from my bank account and, my XXXX XXXX mortgage of {$800.00} was paid. 
On XXXX XXXX, XXXX, I was assigned a new Wells Fargo Preservation Specialist XXXX who informed me that since I had made an " overpayment in XXXX XXXX '' that it would not be necessary for me to make the required XXXX XXXX Trial Payment. The Preservation Specialist audit my account and advised the following with my agreement to have these payments automatically debited from my bank account for XXXX XXXX XXXX, XXXX {$540.00} - Confirmation # XXXX XXXX XXXX XXXX, XXXX {$550.00} - Confirmation # XXXX On XXXX XXXX, XXXX I received an email from a new Wells Fargo Preservation Specialist XXXX stating that he had been assigned to my case. 
On XXXX/XXXX/XXXX I contacted the Preservation Specialist XXXX to request a status update due to a letter received from Wells Fargo about enrolling into a Modification Program ; however he was not available and I was directed to speak to a different Specialist. This person reviewed my file and informed me that I owed {$550.00} as a result of being misinformed by Wells Fargo Preservation Specialist XXXX that no payment was due for XXXX XXXX. 
Although I attempted to explain the overpayment made in XXXX XXXX, to be current for the final Modification I had to pay the {$550.00} covering XXXX payment and balance due for the XXXX payment. 
I faxed my newly assigned Specialist XXXX requesting that he confer with Specialist XXXX to find out how she calculated my trial payments for XXXX and XXXX. I also attached various faxes questioning the misinformation I was receiving each time a new Preservation Specialist was assigned to my case. 
I am XXXX XXXX XXXX and I have never experienced this type of confusion between the various people assigned to help me through the XXXX Modification Program. It is apparent that there is no debriefing communication between individuals assigned to my case.
Product: Checking or savings account

I have not been able to view or gain access to my personal checking account, for over three days. Renasant Bank routing number XXXX. This bank launched a new system on XXXX XXXX and their phone number was constantly busy and I received no return calls. On XX/XX/XXXX a manager tried to help me by sending new password changes, but none worked and all said invalid credentials. I live over an hour away and therefore do not want to drive XXXX hours round trip to resolve this new launch problem that Renasant Bank has created! I spoke with the branch XXXX, XXXX XXXX, in XXXX, Ga and left a message with XXXX XXXX at the XXXX XXXX, XXXX XXXX and did not get a call back from XXXX XXXX. I believe Renasant Bank originated in XXXX Thise is truly maddening, to create so many problems from this bank. Three of their locations in GA, told me they can't even answer all phone calls for the last three days because hundreds of people have this same problem. Please help and advise me how to get this resolved. XXXX XXXX
Product: Checking or savings account

A renter sent me a false check, in XXXX, I reported this check to PNC in XXXX, they did not look into until XXXX after my reporting of this matter on more than one occasion. When my account was closed in XXXX, they did so with no warning, no communication, no email, no call. I came into various branch offices and called to understand what was going on for why my account was closed and my remaining balance was not refunded to me OUTSIDE of the funds of the false check ( that they processed in XXXX and hadnt caught until months later in XXXX despite my reporting in person and via phone several times! ). In XXXX and XXXX Ive visited branches a total of 3 times, all pointing me to call a number, the numbers they give tell me to go to a branch to speak with bankers, bankers give me a number to call and the cycle continues. After each visit, a banker takes my name and number- but no follow up is ever given. Ive been at this since XXXX, it is now XXXX and no resolution or my returned funds. I have all evidence of the background check, emails, and lease details of the person who gave me the false check that started this all. Ive kept all evidence, which Ive tried to give to PNC, but they dont look at or request any evidence Ive tried to share. They are not resolving the issue on my behalf which as a customer of over 14 years is disappointing. I will be switching banks after this matter is resolved and will trust my savings account with my emergency funds elsewhere, as this issue has been a stressful financial hardship given XXXX XXXX XXXX XXXX during this time and needed my emergency savings to help pay my mortgage and other expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXXBalance {$590.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX XXXX-Balance {$0.00}
Product: Bank account or service

I received a refund check from my previous Rental company. It was in joint name of me and my wife. I did not look into the same and tried depositing the check in BOA thru mobile banking. Immediately I realized it was a mistake. However I went to the bank the next business day and got my wife name included in the bank account, but the bank refused to accept the check stating its still under clearance from past deposit, and unless its rejected they can not accept.. I however sent the check the next day, they accepted the check, but they placed a hold for clearance for 10 days. I fail to understand when its my check, my money why is the bank placing hold. I also enquired with check issuing company, they confirmed that they have not placed any hold. 
I tried to call the bank at least 5 times to follow up on the hold status, but they would not share any information. just keep making me run from pillar to post. from one dept. to another. 
I have commitments and bills to pay, and I believe its not fair on the bank to place a hold o my check for such small issue. I think this is discrimination against people and this should be highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX XXXX showing payments and delinquents on my reports and that is incorrect information. XXXX XXXX  got paid in full
Product: Credit card

On XX/XX/year> I received two separate 1099-MISC forms from chase. Each 1099 form stated I received " Other Income '' of {$400.00}. The credit card accounts associated with these 1099 forms are : XXXX XXXX I didn't receive any income from Chase regarding these credit cards. I believe the 1099 tax forms were sent to me by mistake and I've tried contacting Chase to review the accounts and tax forms and either explain to me what the {$400.00} of income I received, or to send me corrected 1099 forms reporting {$0.00} as the income. 

There is a phone number on the tax forms ( XXXX ) which I called multiple times. Each time the associates couldn't help me as they said they don't see either of these accounts. The last person I talked to said that I needed to send a " Secure Message '' through the website and include pictures of the tax forms and then they will research it.

I sent a Secure Message and included pictures of the tax forms. The customer service through the Secure Message is telling me they can't help me and I have to call the phone number on the tax form.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went to the XXXX, FL Amscot but before I came I spoke with XXXX on the phone to see what documents needed to process the loan. She explained she see me in the system so all I need bring ID, recent document showing proof of income, and check that will be kept on file. Went to the place and then a rep named XXXX ended up taking over. She told me I was approved and then a text message was sent to my phone stating your approval number is XXXX. Then I asked rep XXXX how much was I approved for and she didn't know, so she called corporate and stated I owe {$50.00} from the year XX/XX/XXXX and it was the fee to checks written back in the day. I explained to her Florida Statue of Limitations has passed. Well then she stated you must pay something. I was going to put a dollar on debt but did respond to text message and stated " Hi Amscot, this is XXXX. Can we set up a payment for XX/XX/XXXX {$10.00} a month for old debt. '' Please keep in mind was approved for {$150.00} needed {$180.00}. Then XXXX come back she is well aware of the law and Amscot has their internal financial services, but I stated still don't override State of Florida or Federal Law ;  so I guess I hit a nerve and then she gave me the attached document reason for rejection is other delinquent past debt. 
What is the rule of thumb when a debt is 15 years and the bank refused to loan you the money. XXXX did state I paid debt back but not the fees, and to me that really sound crazy. I never knew it was an outstanding debt owed but now it still shouldn't reflect present day loans. At the end of the day no loan occurred and disappointed. It is XXXX years old. I  wanted to start New and they didn't but need to know what is the correct way to handle this.
Product: Debt collection

Debt was already was paid with payments to commenity bank/ Victoria secrets. I can No longer log into the old account. Original account was opened XX/XX/XXXX XXXX and 2 months ago. The account was closed and paid. Now the account has been sold and placed on my credit again under commenity bank showing a false date of XX/XX/XXXX which is incorrect. This account was disputed and removed once before with the cpfb for the same reasons and with XXXX, XXXX and XXXX in XXXX and was removed from my credit. Now Im showing the same credit company twice on my credit report. This should be illegal to sell your info after a creditor is paid and had to remove due to this falsified information before.
Product: Debt collection

Prior to any wage garnishment, debt collectors need to send the debtor a summons so they 're aware of their right to dispute the debt in court. 

In order to send such summons, they must notify me not only by mail but in person, per New York state lawXXXXNo such notification was made.
Product: Student loan

I have been paying my Sallie Mae/Navient loans since XXXX. The loans were prepared for payment 6 months from my time of graduating. I explained to the rep when I spoke to them that I wasn't able to make a full payment on the loans as I hadn't obtained a job ( though this was something nearly guaranteed by the school I enrolled in ). At the time, I was told from Sallie Mae to try to defer by forbearance. This went on for several years until I was able to begin payments, all while paying the interest on the loans. Finally, I began making payments that I was told would touch the principal and the interest and that I would see my loans come down in amount. It has been close to 16 years of paying them and the loan amounts haven't moved. When I asked recently how long it would take to pay them off, I was told the best date they could provide was sometime in XXXX. I have been faithfully paying these loans, in spite of the shifting monthly amounts, for several years, even during the pandemic, to no avail. All for a school that lied about job placement being nearly guaranteed through their internship program. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of paying a bill and I am not seeing any movement on these loans at all. The interest rate is absurd and I am unable to contribute in any significant way to the economy because I'm saddled in private student loans debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX  Account # : XXXX Account Name : DPT ED/XXXX  Account # : XXXX
Product: Student loan

On XXXX 2014 I enrolled in an online program at Argosy University. Everything was done online and it was expedited in a very quick manner ( in less than 2weeks ). I received an email from the adviser on XXXX/XXXX/14 that I started class that evening. As I received access to the student website I quickly realized that it was n't the program for me. I called the advisor on XXXX/XXXX/14 and informed her that I wanted to withdraw from the program, I did n't want to attend it because it was n't what I expected out of the course. It was n't until I had access to the student website that I was able to go through all the class information. Upon receiving a statement stating that I was responsible for the semester tuition I called the Registrar office at Argosy and they informed me that I was responsible for the tuition because I withdrew before the drop date which I later found out was on XXXX/XXXX/14. Trying to speak to someone there is horrible. You get voicemails and no one responds. I have been transferred to the Tech Dept. ( that 's how bad it is ). I also spoke to the Financial Aid Dept. as well and no one has helped with this matter. They are very quick to say that I passed the withdrawal date so I am to pay the balance accrued in my account. All I want is a transcript which will state that I dropped the class.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and 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 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 or other personal consumer reports

Equifax will not remove, information was removed by other bureaus : XX/XX/year> - southeast financial XX/XX/year> thd cbna XX/XX/year> - XXXX bank XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of a debt listed on my credit report associated with a XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported to the credit bureaus. 

Specifically, I am requesting that you provide physical documentation verifying this debt, including : 1. The amount of the debt. 
2. The name of the original creditor.

3. A copy of the original account agreement.

4. Any other documentation that establishes my obligation to pay this debt. 

Please note that I understand the bankruptcy courts do not verify individual debts. Therefore, I require concrete evidence from your office to substantiate your claims. 

I ask that you remove this debt from my credit report in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). These regulations mandate that all reported information must be accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 or other personal consumer reports

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an XXXX account, as reported to the major credit reporting agencies ( including but not limited to : XXXX, TransUnion, XXXX, and XXXX ). 

The payment history provided by the credit reporting agencies shows XXXX repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, XXXXXXXX XXXX response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute. 

XXXX acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and XXXX  negligent actions have defamed my credit reputation. 

While XXXX claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors.

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of XXXX, XXXX, XXXX, TransUnion, XXXX, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Product: Credit reporting or other personal consumer reports

Bank of America, Has closed my account and now they are giving me a hard time by trying to harass me. They are re opening it without my knowledge and is leaving me a balance on my account?? what is going on?