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

Department of Nelnet has been consolidated and they still have not removed all the accounts that were closed. They have it on my report multiple times for the same account balances. Please remove all closed account. 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 XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/2021 I made a couple of withdraws at my bank - Community Bank NA, the XXXX NY location. I'd like some information regarding their withdraw policies, as the teller that processed the withdraws gave me some pushback about pulling money out of my account. I explained that I needed the cash so I could pay off two vehicle loans and immediately get a lien release for both from the bank holding my loans. Specifically, she stated that customers should " call ahead to ensure enough cash is on hand for large withdraws ''. Where is that policy authored and available for me to see? This was not a " large '' amount of cash - it was barely over {$10000.00}. I would expect that this is likely a small transaction in XXXX. Also, while she was processing it, she came back to the window asked me what I did for work, to which I replied " collections ''. She then asked what type of collections, to which I replied mostly healthcare. Why is she probing me for my profession? This was not friendly conversation - it was interrogation. I want a copy of the policy that advises the tellers to probe people that are taking money out of their accounts ( I had already provided her with my license ). I received chat follow-up from a " XXXX '' that was not helpful at all. She stated I should contact the local branch for questions related to federal regulations. If they're federal regulations, why wouldn't she be able to provide that info - seems it would apply to every branch in the US.

I want the following done ; *I want to know why I was rudely advised that I should " call ahead to see if there is enough cash on hand to support a withdraw '', as to my knowledge there is no policy requiring customers do this. 

* I want to know the DOLLAR amount that would require me to call ahead to do a withdraw. 

* I want to know why she asked my profession, and once I advised I work in collections, why she needed to follow up with " what type of collections '' before she would continue processing my withdraw
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 : it also states that a consumer report agency can not furnish an account without my written instructions.

.

15USC 1666B : a creditor must not treat a payment on a credit card account or any loan account under an open end consumer credit plan, as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago I requested my Clarity Services report because I applied with a couple of personal loan companies and I kept getting denied because either they said that either they couldn't verify any info and/or the info was indicative of fraud. And that my information keeps changing. The report recieved doesn't show me what's indicitvae of fraud and has a whole bunch of inquiries from merchants that I did not apply with. I have only applied directly with lenders except for today, a company called saying that if I went on a website and applied that I would be approved for loan. So I applied and then recieve an email from a whole different company saying that I was denied. Again for the same reasons stated above. Clarity Services is an extremely difficult company to deal with and it took forever to get a copy of my report and had to call numerous times and had to fax supporting documents more than once. When I spoke to them after recieving the report it seems like no one knows what I am talking about. I spoke with them many times in month of XXXX. I feel like I could have gotten a loan to consolidate the payday loans I had, but everytime I apply online to the companies that offer big loans I am blocked. But all can get are relatively small loans at store fronts most of the time after providing tons of paperwork
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've reached out to the credit bureaus to dispute an account listed as "   XXXX   '', and currently collecting under   XXXX   XXXX   XXXX  , that I am unfamiliar with and have disputed this account since it is not mine and have been unsuccessful. I have no knowledge of this particular account.
Product: Checking or savings account

FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank XXXX charge {$14.00} For a " Scammers Be Careful! '' The purchase was completed without my authorization. 

Citibank offered to reimburse, but only if I cancel my card and reorder a new one. 

At the moment, I CAN NOT do so as I am in transit to work today XXXX. 

Apparently, the Fraud was completed on XXXX If you can, please refund my account without canceling my card. 

I will update PIN information. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Amazon / Synchrony Bank has failed to issue a refund
Product: Credit card

I applied for the Quicksilver credit card with Capitol one and I applied for the card thinking since they are offering {$200.00} bonus after spending {$500.00} they would give {$200.00} back. I called them to ask about it and they said I don't qualify for the promo, I know I would have to spend XXXX and I know that's part of the requirement, but they said even so I still wouldn't be able to get the promo bonus!! I think it's misleading to the consumer thinking all along if the requirements are met then the bonus will be applied within 1-2 business cycles on the statement. I called and threatened to cancel the card because mainly one of the reasons I opened the account was for this reason to earn the {$200.00} bonus after the initial {$500.00} spent. I feel mislead and deceived and they should clarify and fix this issue ASAP.
Product: Mortgage

I XXXX XXXX  XXXX, I am owner of property financed by Shellpoint Mortage servicing. I am in Bankruptcy an have court order the property can be sold, the property is under contract an was supposed to close XXXX XXXX, since then the contract has been extended 3 times due to Shellpoints unwillingness to corporate with closing attorneys an buyers financial institution This has been exhausting for everyone involved!!! closing attorney XXXX XXXX The attorney representing Shellpoint is XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX. XXXX # for loan is- XXXX shellpointmtg.com/ XXXX
Product: Credit card

I opened an account on XX/XX/XXXX or XXXX of XXXX my first payment of XXXX was not due until XX/XX/2024 I set up a one-time payment as well as auto pay for the remainder of the terms. during the time my payment was set up they revamped the website and created a new portal and set up the payments. the old webpage was deactivated right after. this was not my first purchase from TD bank and XXXX. 

Once the new website went live because I set up XXXX payments the website deleted my onetime payment ( it was not late ) and kept my auto pay for the next month. 
I spoke with a rep at the company because I was charged a XXXX late fee. She said she was able to tell me that their system created the issue, and said I would see a credit on my next statement for the late fee. 

The XXXX statement shows the XXXX fee is still there, but TD BANK changed my payment terms from XXXX a month to XXXX a month without sending me any new payment terms agreements or asking if I wanted to increase my terms and payment amount. 
TD Bank just changed my loan without approval from me. Now my loan went from 39 months 0 % interest for XXXX a month, to roughly 16 months 0 % interest at XXXX a month. 

I did not agree to the change in terms or was I sent anything in writing.
Product: Debt collection

debt was sold to a third party who then harassed me for payments by postal mail and calls and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/2018 and the mortgage was paid off on XX/XX/2018. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that this o account was erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance Owed : {$740.00}
Product: Payday loan, title loan, or personal loan

The RSVP I took this out on or about XX/XX/2018 in the amount of {$3000.00}. Before my hardship, I paid your firm faithfully {$230.00} bi-weekly. I called to see if they could help me before I defaulted on my loan. NO remedy besides you can make partial payment but then you have to pay the upcoming installment payment. I can no longer make that payment. I tried negotiating a payment plan, but their offer was unreasonable. They told me that they couldn't apply the payments I made to date to my balance and their payment plan was you have to pay initial payment of {$230.00} and then the remaining balance in 2 weeks. Also the rep stated she could see if they could extended until 30 days. I told her I'm unable to pay that. The amount principle that was applied each time to my loan was approximately 18.00.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems Inc has reported a collection account against my social security number and I never authorized the use of my personal information to this company nor have I ever received any services from this company. This business holds no legally binding contract with me that obligates me to pay for any sort of alleged debt. I disputed the accuracy of this account and they keep sending it back as verified. National credit systems has YET to send me any type of adequate proof that shows me agreeing to pay them. I filed a complaint with the Better Business Bureau and National credit systems responded that they were acting on behalf of another creditor, but 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93 states " The right of subrogation does not exist for a stranger to the transaction. '' It 's illegal to act as a substitute to a contract that they were never apart of. National credit systems is in violation of the law, the FCRA, and the FDCPA. FDCPA Section 805 ( b ) says : COMMUNICATION WITH THIRD PARTIES. -- Except as provided in Section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
This inaccurate information was reported to the three major reporting bureaus without my consent. 
FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
National credit systems has not been in any connection or listed on any contract signed by me and they refuse to properly validate this inaccurate information. Until a contract ( original contract ) is produced with my signature between national credit systems inc and myself, this information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never got a mortgage with XXXX XXXX XXXX Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/XXXX
Product: Credit card or prepaid card

I noticed an unauthorized charge on a credit card I NEVER used and I immediately called them so they sent me a new replacement card and a fraud form which I filled out and sent back a week ago. When I called today to see what was going on they said I had to pay the minimum payment until the investigation was complete which takes 60-90 days.unacceptable I said but they refused to understand my concerns.they said if u dont pay than I would be hit with late fees and missed payments on my credit report. The credit company is called Aspire. The amout was {$280.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Contacted XXXX XXXX XXXX XXXX XXXX XXXX about an unauthorized charge for {$24.00} on my XXXX card. The agent claimed that I signed up for this service via phone in 2012 and incur a charge every time I use my XXXX card to rent a car. I have no recollection of signing up and I have never received notification of this service from XXXX or this XXXX subsidiary. The agent was most unhelpful and claimed that they would not refund the charge because I had already availed of their service ; he also cut me off when I asked to be transferred to a supervisor. I called back and spoke to a lady named XXXX XXXX, with much the same result- very unhelpful- and they claimed that the only way I could get proof that I did sign up in 2012 was if I subpeonaed their records. I then called XXXX XXXX directly and spoke to an agent named XXXX who claimed that according to his information I had signed up for this service via the Internet. When I explained that the agents of the subsidiary said that I signed up over the phone ( and that I had no recollection of signing up for this via phone or internet, nor did I have any confirmation of signing up or any other documentation ), XXXX confirmed that according to his records this was done over the internet. He was also slightly more helpful in that he said there might be a way to reverse these charges. I said that I was fed up with the terrible customer service that I had experienced with XXXX and I proceeded to cancel the card. I have also filed a charge dispute with XXXX on their website.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX- XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XX/XX/XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this Imv because I um a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i sent dispute letters out, no response, then XXXX i sent out a comply and demand letter still wit no repsonse
Product: Credit reporting or other personal consumer reports

I hope you are doing well. I am following up to address the ongoing issue of fraudulent items on my credit reports. Despite my previous efforts and providing substantial evidence to support my claim, these fraudulent items continue to appear on my credit report. This persistent issue not only undermines my financial credibility but also calls into question the integrity of the credit reporting system. I request a thorough investigation into these fraudulent items and immediate action to remove them from my credit report. Accurate and fair reporting is essential to maintaining the integrity of the credit reporting system. Therefore, I seek your assistance in removing these fraudulent items from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax 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: Money transfer, virtual currency, or money service

Large amount of money went in my account and came out by wire transfer. And they are holding XXXX since XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three CRA 's letting them know they have violated me as a consumer by reporting inaccurate and incorrect information on my consumer report. Per Congress consumer reporting agencies are to insure their grave responsibilities with fairness, impartiality, and a respect for me the consumer 's right to privacy which has been violated.

15 USC. 1681a ( 2 ) ( A ) ( i ) states the term " consumer report '' does not include - any - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC.1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.