23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act of XX/XX/1974 ( FERPA ), otherwise known as the Buckley Amendment, was passed to protect the privacy of students ' educational records. It gives parents and students who are 18 years and older the right to access their records. It also requires that parents or eligible students give permission before their information is released to a third party, except in special circumstances like transferring schools or a health emergency. My current student loan servicer NELNET Inc. and the Department of Education, is in violation of the Family Educational Rights and Privacy Act of XX/XX/1974 ( FERPA ) because they have been reporting my loan information to third parties. This information is to be removed from my consumer credit reports effective immediately.
Product: Checking or savings account

I made an ACH transfer into my account from an outside account using the Citi app. Both accounts are mine. I did the deposit on XX/XX/24 and was told by an agent that my money would be available no later than XXXX XXXX  XXXX the next day. LIES! Its now XX/XX/24 and my account has since been suspended due to suspected fraud. They were able to fully verify my account by asking everything rom my name, ssn, dob, account #, debit card #, and a bunch of other questions. My number on til was an old number and I only used my email to XXXX myself. They have accused me of fraud and its not fraud! Ive spoken with about XXXX or so agents which have hung up on me, transferred me and hung up before anyone picked up, and have argued me down saying that they know I still have access to an old number. The last supervisor I spoke with was refusing to help, over talked me, and hung up when I tried explaining this is not fraud and this is the refund disbursement from school for books and housing. They kept saying they sent a letter yesterday and I told them I no longer lived at that specific address and they refused to update or take any information. Eventually I called corporate and spoke with someone in the executive resolutions unit. Gave him the whole run down of being on the phone from XXXX XXXX XXXX XXXX and what was going on. He told me I would receive an email about a case he is opening on my account. I still havent gotten an email or a phone call from the next department. 
Called back the following day to speak with someone and she verified the account by calling me and told me she was going to unblock my account. Put me on hold and said that she cant do it. I asked for a sup and he said that the policy changed since I spoke to the woman I had just spoke to.
Product: Credit reporting, credit repair services, or other personal consumer reports

and prior XXXX report shows self correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. XXXX XXXX XXXX and XXXX each corrected the status of the account to XXXX agreed but did not eliminate the XXXX missed payments displayed on the credit card I never ordered. The settlement was agreed to was self that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXXXXXX XXXX XXXXXXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX XXXX  XXXX actually documented that the credit bureaus in fact reported to XXXX XXXX XXXX XXXX  that their was hard inquiries and low credit scores when I spoke with the credit bureaus XXXX, XXXX, experian I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations
Product: Debt collection

PNC closed my account because it was negative ( by {$10.00} ) even though my email statements said the balance was {$0.00}. Because my account was negative for more than 30 days, my account was closed. I have about {$10000.00} in checks that are due to hit my account at any moment, but since my account is closed, I can no longer receive them. 

Upon calling PNC, they said they were recording my call to collect a debt. I told them of the issue, they said that if I went into PNC and paid the {$10.00}, they could reopen my account. I went into PNC and paid the {$10.00}, but they said they can not reopen my account because now I'm on the XXXX XXXX XXXX XXXX list for being a credit risk because of the closed account with the {$10.00} balance. I called XXXX XXXX XXXX to get them to expedite the process, they were unable. I called PNC to open my account, they were unable. 

These banks should be ashamed of themselves. I will not be able to afford rent, food, or books that I need for XXXX XXXX because PNC cares more about {$10.00}, which I paid, than its customers.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Equifax for their continued reporting of an inaccurate and closed child support account on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code Title 15, Section 1681. 

The account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurately reported under a name that does not legally correspond to mine. Additionally, this account has been closed due to this inaccuracy by the creditor and, as such, should not be appearing on my credit report at all. The presence of this incorrect and outdated information is adversely affecting my credit score and, subsequently, my financial opportunities. 

The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The continued misreporting of my closed child support account, along with the discrepancy in the name associated with the account, constitutes a clear violation of these regulations. 

I have previously attempted to resolve this matter by contacting XXXX, Equifax and XXXX directly and have disputed this account, highlighting its inaccuracies and requesting its removal. Despite these efforts, the account continues to be reported, demonstrating a failure on their part to adequately investigate and rectify the inaccuracies in my credit report. 

Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in this matter. I respectfully request that the CFPB : 1. Investigate the reporting practices of XXXX, Equifax and XXXX in relation to my credit report. 
2. Ensure the immediate deletion of the inaccurately reported and closed child support account from my credit report. 
3. Confirm that all future reports byXXXX, Equifax and XXXX ] are accurate and compliant with the FCRA. 

Enclosed with this letter are copies of my previous correspondence with [ Credit Reporting Agencys Name ], as well as evidence supporting the closure of the child support account and the discrepancy in the name reported. 

I appreciate your prompt attention to this matter and look forward to a resolution that corrects my credit report and upholds the standards of accuracy and fairness as mandated by the FCRA. 

Enclosed is the statement from the agency closing my account along with the continued inaccurate information pertaining to my legal name. Also enclosed is my legal ID and proof of my legal name which proves this account inaccurate and in violation.
Product: Debt collection

Citi refuses to abide the laws under the Fair Credit Billing Act section 103 ( f ) of the Truth in Lending Act ( 15 U.S.C. 1602 ( f ). They have sent mailed responses assuming that I am responsible for debts that were a result of fraud. They have received police report numbers and fraud claim affidavits detailing the cards were not in possessions and my cards and house including personal property were overtaken during a period of time by criminals. 

Citi failed to honor the zero liability policy for fraud and assumed me for the responsibility which is false.
Product: Checking or savings account

We received a check from our church to help with damages from Hurricane Milton, We deposited the check on XX/XX/year> at Fifth Third Bank. On XX/XX/year> Fifth Third bank froze our account and said the check was fraud. We have not been given an explanation. The bank representative at the branch was rude and said we would receive an email. We never received an email. Our funds were frozen. Our church said there was nothing wrong with the check and issued another check which we deposited at a different bank. Our social security check was frozen. Our automatic car payment was returned, causing a late report. This has caused great mental anguish.
Product: Checking or savings account

I am a Member of Navy Federal, and I do believe that my account was charged as well overdraft fees when I knew I had the money. It showed it was taken and couple days later I had a bounce amount of XXXX $ because apparently it was not covered because it looked like on my account as it was already taken out. I am a Member since XXXX  I believe.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I paid a person {$42.00} via PayPal for tickets to an event I wanted to attend that night. After I sent the money, the person never sent me the tickets. They stole my money. Please help me get it back. I tried getting help through PayPal to no avail.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on my Transunion credit report. They are letting entities still get through credit free e. I.sent them a FCRA 611,609 and a 626 to show me how these banks are getting through my credit freeze I tried calling them in XXXX but the XXXX hate Americans and lie straight to me 3 times to get me off the phone. This is outrageous. These XXXX reps actually either hate Americans or they just don't want to do their jobs. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

commonwealth finance and XXXX is keep opening old account that is expired and all ways attacking my credit report over expire accounts and same account repeated tell information too XXXX party.
Product: Payday loan, title loan, or personal loan

My complaint is at M & T, we ( me and my husband ) have a personal loan them. For XXXX  months now, they have messed up our loan for XXXX. We only have one loan through them and they have created XXXX loans with different interest rates plus now with second loan they have us listed as late on payments and also has now listed this with credit bureau at late and I can not get any new credit. I have talked to them several times to straightening it how and they have still to it. I talked to XXXX different ppl there and they aware of the problem and they promised to straighten it out. The problem is with the interest rate. One says XXXX and other is XXXX. Someone needs to correct this it's been like this ever since the loan
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX bank XXXX Tbom/contfin XXXX Self financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Debt collection

Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent XXXX finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since XXXX has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by XXXX When I contacted the 3rd party company Constar finical, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact XXXX directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid Constar finical on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to Constar amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement Constar finical has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. Constar then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.
Product: Debt collection

I moved out of an apartment but the gas bill was not transferred correctly to the new tenant. As I had moved out of state, I received no bill for the months that the service was being billed incorrectly to me. I had no idea that the mistake had occurred for over a year, when I received a call from Source Receivables credit agency notifying me that they were attempting to collect a debt. I initially spoke with XXXX ( employee ID unknown ), who told me that if I paid in full that day the issue would not impact my credit, but that if I chose to wait and dispute the claim with the gas company it might negatively impact my credit. I chose to pay the claim in full to avoid potential consequences to my credit. I left the call feeling as though this was a positive encounter. 

A few months later, I came to learn that the claim was still showing up on my credit report despite my having paid it in full, and that it was negatively impacting my middle credit score. This was surprising to me, as I had been told by Source Receivables staff that the claim would have no impact on my credit if paid in full that day. At the urging of a financial adviser, I called company and asked them to remove the record as the account had been paid in full. The original person I spoke with, XXXX, transferred me to her supervisor, XXXX ( Employee ID # XXXX ). XXXX was extremely rude and aggressive on the phone and told me that he would not remove the claim under any circumstances. When I asked for more information about what would be needed to have this record removed, he would not provide me with more information. When I asked to speak with his supervisor, XXXX refused. When I inquired about the company 's grievance process, XXXX refused to provide information about this process. 

I feel as though was lied to by Source Receivables staff about how this information would impact my credit, and then was denied access to critical information about how to file a grievance against lying, rude, and aggressive employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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: Mortgage

I have a credit score of XXXX..I get XXXX a month XXXX..I work part time ..there I make XXXX after taxes..My wife gets XXXX XXXX..Last count that was about XXXX a month..Quicken and rocket loans refused us..I know it was because of our ages..Is this legal?
Product: Debt collection

I have requested proof of debt, documentation that proves it is my debt numerous times and I receive nothing in return. I have disputed with XXXX XXXX and XXXX to get the items removed and they are never removed. I am owed proof of debt and they can not provide it. They keep changing the dates and amounts... ..I am owed proof
Product: Credit reporting or other personal consumer reports

1. XXXXXX/XX/XXXX- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. XXXXXX/XX/XXXX response this credit card was opened, delivered XXXX XXXX. 

3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 XXXX XXXXXX/XX/XXXX, XXXX XXXX system denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file. 

5. XXXX card response card delivered address is verified with my public record and my email and phone number used to open this credit card. 

*** My personal information was exposed due to the " XXXX Equifax Data Breach ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the XXXX XXXX only mentioned that address stated my public record. 
" MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX EQUIFAX DATA BREACH '' 6. I submitted and provided all Identity Theft reports to XXXX XXXX but they ignored them. 

7. XXXX XXXX and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of incorrect reporting, and identity theft that has already been reported. According to 15 U.S.C 1681 Section XXXX A section XXXX states a consumer reporting agency can not furnish an account without my written instructions, and I have not provided any written permission for these transactions to be added onto my consumer report. I am requesting that the information be blocked and deleted. My request to block is not being made in error as stated before. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my report within XXXX days from the date of the receipt of this notice. I look forward to your response. 

Thank you