23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have written a letter stating that my company was a XXXX XXXX victim and $ XXXX worth of inventory was damahed on XXXX/XXXX/XXXX. I did not receive a letter or call back from XXXX. 

So on XXXX/XXXX/XXXX I got my claim check for the damaged inventory from the natural disaster and so I called in XXXX about the following 3 interest rates : XXXX XXXX XXXX {$560.00} {$560.00} {$110.00} and stated my situation. She proceeded to tell me once I pay off my balance in full which I did, she will waive all those interest charges. 

So today I called in seeing that none of it was reimbursed and the customer service rep stated he will refund {$110.00} then this supervisor stated that it is n't going to happen. 

At the end of the day this is outrageous that XXXX is not taking responsibility for helping out XXXX victims. No communication or anything. 

I have always paid my balances on time.
Product: Vehicle loan or lease

Dear GM Financial, I was shocked and confused to find a late payment reported on my credit report for XX/XX/year>, marked as 30 days late. This reporting is both unfair and inaccurate, as I refinanced and bought out the lease with GM Financial, which should have prevented any late payments. 

I am certain that I made all required payments promptly. If a payment was missed, it may have been due to a delay in receiving my monthly statement. 

I kindly request the immediate removal of this late payment from all credit reporting agencies. Given our positive relationship, I also ask that you remove the XXXX late mark from my credit report and refund any late fees assessed on my account. 

Additionally, I believe I was billed incorrectly under the provisions of the Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b, 1681i, and 1692g. Due to these violations and the inaccurate reporting, I demand the immediate deletion of this negative item. 

I trust we can resolve this quickly and maintain the positive relationship we've had. I appreciate your assistance and look forward to continuing our positive experience. 

Sincerely,
Product: Checking or savings account

Having trouble closing deceased family accounts at PNC bank since XX/XX/XXXX. I went to bank location in XXXX MD with family members information and was told accounts were closed and XXXX XXXX would be scanned and placed on file. I returned tio follow up and Manager was no longer at the location and New manager explained info. was not scanned or on file. 

Recently followed up with another PNC location XXXX XXXX XXXX XXXX on XX/XX/XXXX. Spoke with rep. who advised I needed letter of administration to close account. I explained it's been 4 yrs. and i was told I only need the Death cerfificate and other identifying information to close and remove funds from account. 

On XX/XX/XXXX, XXXX recieved notice from PNC that an unknown person charged {$55.00} to my deceased familys Debit checking account. That evening no one could help telephonically at PNC from the telephone number listed. 
There was no signature of who sent this letter. or the other letter received stating an account was paid in full. 
I am asking for the closing of this account and funds be forwarded. I am the decedents daughter and have been diligently working to close these accounts since XXXX XXXX XXXXXXXX.
Product: Checking or savings account

I am XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX  XXXX XXXX XXXX XXXX number XXXX. Our XXXX  XXXX XXXX XXXX have a Us bank  business account number XXXX, Routing number XXXX. Our XXXX  XXXX XXXX XXXX, Us bank business account are place on hold by Us bank  XXXX XXXX with out our authorization or merit. XXXX  XXXX XXXX XXXX, Us bank business account number XXXX, have {$110000.00} Capital Funds on hold since XX/XX/2022, and denying XXXX  XXXX XXXX XXXX XXXX of directors, no access to the {$110000.00} Capital Funds for daily business. This unfair action by Us bank  XXXX XXXX, violate, California XXXX Fair Business Practice Act Protection laws, California Deceptive Trade Practice Act Protection Laws, and the California unfair Competition act Protection laws.
Product: Mortgage

In XXXX I missed a payment due to me and my family having XXXX and the daycare being shut down. My XXXX daughter ended up in the XXXX with it. When Newrez reached out to me I said that I could not pay at the moment and explained why. The representative said nothing but asked when I would be able to make a payment. A couple weeks later, going into the first week of XXXX the money was in the bank but it wasn't automatically withdrawn as it usually would be. I then spoke with them again and said I thought it would be drafted as pre usual. The representative told me that if you miss one payment it won't draft again and won't let you do automatic drafts for at least 6 months. I apologized and said I was not aware. I then explained again why I was late in the first place. That representative also offered no plans or anything. As of XXXX the 30 day late from XXXX hit my credit and dropped my rating about 100 points. So I reached out to the company saying that I'll pay the late fee ( which I did ) and any other fee that they might require and if they could remove the 30 day late. They said there was no one to talk to and that I had to email " loan servicing ''. To which I did on XX/XX/XXXX. They never replied or sent me anything, just an automatic reply that said someone would get back to me in 2-3 business days. I had to call back a few times throughout the month to ask what an update was, one young lady said I see it is in review on but maybe you should send some documentation, I said ok what should I send? She replied with, " whatever you have that could help ''. I said this is why I need to speak to them and she replied with, " unfortunately that departments only communication is through email '' Finally this week after I called again, they regular representative read in the notes that said that they will not take the 30day late off because it was not their fault and that I could have reached out to ask what option I could have. I explained to the representative that I explained my issue to XXXX separate people and nothing was offered. They said I could dispute through email again and I replied that no one emails me back and they said, well they will most likely not budge. I asked to talk to someone from the department because it was the only one I have and they said I could not talk to anyone and to send an email but it was probably not worth my time. I am now sending more emails as well. I have not deferred my payments or had any other issues. I pay on time and when I explained what was happening, no one offered any help but now want to punish me for not asking. As well as never responding to my emails but only allowing me to speak with people that have no authority to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by Portfolio Recovery a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to Portfolio was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.
Product: Checking or savings account

USBANK was unable to remove name and mailing address from their mailing list. They directed me to a website which asked for a social security number which I will not provide. 

The mail for a deceased is being forwarded to my house and somehow my address was communicated to USBANK, so I am now receiving promotional material from that bank. 

I was on the phone XXXX minutes without a resolution of the problem and I was hung up on without a proper " good bye ''. 

USBank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX. 

USBank should not be using Social Security numbers for such mundane problems as removing a name and address from a mailing list. It would be good if the force of the federal government would work to reduce the constant use of Social Security numbers as identifiers outside of tax and social security purposes.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Current Address XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXXXXXX XX/XX/XXXX {$7900.00} XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$140.00} XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im trying to use the XXXX app on my phone and it will not link my PNC account.
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. Every 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 a my file at XXXX is 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. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXXXXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

BALANCE {$440.00} PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS OR THE HARASSMENT. I DO NOT KNOW WHO THEY ARE NOR DO I HAVE ANY BINDING CONTRACT WITH THEM SO PLEASE COMPLETELY REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION did not meet METRO 2 Compliance Guidelines when reporting on my consumer report.
Product: Student loan

I took out a {$10000.00} student loan from XXXX in XX/XX/XXXX. I finished school in spring XX/XX/XXXX. After I graduated, I was unable to find a job to begin making payment on the loan. After being harassed starting 3 months after I graduated, the loan was finally defaulted on after a few months. Eventually after finding a job, I still was unable to make payments, but the loan had been handed over to navient. The company was unwilling to do any type of forbearance or deferment to help reduce the payments. Currently, I 've tried again to help fix the issue but I 'm completely unable to even speak with anyone from navient. I 'm automatically transferred to a 3rd party for collection. The collection agency offers settlement options that are competent unrealistic. They offer me a settlement ranging from $ XXXX {$8000.00} or a payment plan to reduce to the interest rate. As they said he current interest rate, the monthly payment would go only to interest and never touch the principal balance. The issue with the payment reduction plan is that it requires too much month up front ranging from $ XXXX {$2000.00} and then followed by monthly payments that are unaffordable. I just want to clear up this debt or get help with repayment from NAVIENT because the 3rd party collection agency ca n't even negotiate the terms of the settlement. No one would benefit. But on the other side NAVIENT is completely unwilling to communicate with me to discuss options. And they still currently service the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have an inaccurate bankruptcy account deleted from my Transunion credit profile on 2 various occasions ; XX/XX/2021 and on XX/XX/2021. I did so by requesting validation and method of verification of where this report was coming from on XX/XX/2021 and Transunion failed to present that information to me, only telling me that the account was verified WITHOUT providing me ANY documentation stating how this was verified nor who furnished the information. I asked again for this validation on XX/XX/2021 and also provided proof from the United States Bankruptcy Court of Eastern Wisconsin stating they did not verify this information and a statement from XXXX XXXX stating they deleted the erroneous record from their report as this record is not verifiable. With this bankruptcy not be verified, this account should be deleted. On XX/XX/2021 I received notice again from Transunion that they verified this information once before and would not reinvestigate NOR did they send me any documentation stating how or who verified this erroneous information. I am beyond appalled at this point and am seeking some resolve as this is impacting my credit tremendously.
Product: Credit reporting or other personal consumer reports

I would like to place a Fraud alert in my account. Someone has been attempting to obtain a car loan under my name and its frustrating. Please have any company call my number XXXX before running or opening any accounts under my good name. Inquiries were the following : 1. XXXX XXXX XXXX ( XXXX XXXX ) 2. XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/ ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX XXXX  ( credit was run 4 times by this company XX/XX/ ) XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this debt. I need to report EQUIFAX for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Company in question MoneyGram Money Transfer service. 
On XX/XX/2021, I requested a money transfer service from my bank account to my receivers bank account, at the time of the transaction I was told by Money Gram it would take 1 to 2 business days. Its been now 2 weeks since I did the transaction and the money has not been transferred, however, they withdrew the money from my bank account. They have been telling me they have a technical issue with the ref. # ( XXXX ) and that they would resolve in 24 hrs. But here I am calling then every day after 2 weeks, and they are retaining my money. And the person I was sending the money to, had never received the money. Customer service is no help, they dont explain what the problem is exactly and they say they cant cancel the transaction and give me my money back. So, I am without my money, and the receiver is also with no money. Money Gram kept the money without a valid reason, besides they dont provide me the real explanation why they have not done what they promised to do. At this time I need Money Gram to refund my bank account for {$200.00} ( transaccin amount ) and then I really need to send the money to my sister by other means. Thank you for hearing my case. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed a fraud alert on my credit file for 7 yrs which is hurting my ability take a loan, credit facility.