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

On XX/XX/2022, I deposited a check in the amount of {$10000.00} at a PNC branch Bank in downtown XXXX near XXXX XXXX. This check was received from my manager for services rendered. The branch in which I deposited the check is in a predominantly white neighborhood of XXXX. Upon depositing the check, my account was immediately frozen without any notification. 

After several attempts proving that it was not indeed a fraudulent check, and that indeed those monies belong to me, my account remains frozen. I have obligations to the IRS and creditors that needed to be paid. I have since incurred a late fee and potential damages to my credit report. 

Please assist me in unfreeze my account. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : File # XXXX XXXX XXXX On XX/XX/2022, I spoke with a representative from TransUnion, who stated that I must show proof that the Eastern District of NC expressed in writing that they " do not report any information to the credit reporting. '' Since that date I have not received any response from the dispute to permanently remove the inaccurate item from my credit report. 

For dispute purposes, I am enclosing with proof the Courts letter confirming that they DO NOT report any information to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully report unauthorized accounts on my consumer report that have violated myfederally protected rights to privacy and confi dentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my creditprofi le. You have violated me pursuant information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation.You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had 2 XXXX loans in repayment through XXXX  education services. One I repaid in full the larger was being paid on and in good standing for 7 years. I went online to pay a monthly payment and it was not on their website. on XX/XX/XXXX I called XXXX only to learn that the remaining 4200.00+ had been taking over by Navient . I called them and the woman on the phone told me that I had a balance on XXXX. When I inquired about it, I was told it was also a sallie mae loan which I did forget about and was my fault. I asked to make my payment on the smaller one which was transferred to them and I would make arrangements with the larger one. She said she could not do it because it was all being sent to collections. My question to her was, " how can you send both loans to collections if the smaller loan was being paid on through XXXX  on time ''? Navient would not let me pay on either one. There has to be something illegal about this? The sallie Mae loan was on my credit report up till XX/XX/XXXX and fell off, now they are going to obtain an old laon and try to put it back on my credit report as a new loan which I have tried to set up a payment with them, which they will not let me do?! They are already in a lawsuit for this type of unfair business practices now. 
( XXXX # XXXX )
Product: Credit reporting or other personal consumer reports

I have a subcription service with equifax information services.And I have a account wherein.I can login to myequifax credit report to make any changes to my credit report if I need to.However, for months now.Equifax has blocked my access to my equifax account.They asked me to send documents to verify my identity.Which I did three different times.They did receive my documents the first two times.And they refused to except them.So about three weeks ago I sent the front and back side of my drivers license and social security card.Along with a Affidavit of Identity.Which I got notorized at my bank.I sent these documents to the same address as the prior two times.And they claim they have not receive the documents at all.I have know problem of this kind with all the other consumer reporting agencies, just equifax.
Product: Credit reporting

Experain is reporting an collection account that is lowering my credit score however the balance is {$0.00} and needs to be removed from my file as there is no balance. 


XXXX XXXX XXXX XX/XX/2010 - - XXXX FL XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 'S recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Before child support payment started going to Way2go card, they were with XXXX XXXX. I had monies on my XXXX  XXXX  that were taken fraudulently, ( I logged in to the child support portal and saw deposits were made that I never knew about and I never got the money ) I reached out to Dept. of Child Support and they said to contact Way2go for replacement card and prior statements/transactions on the account. I called Way2go and requested these things but they were never sent. Someone used my card and they aren't sending me to things I need to prove the fraud and get the money that my kids dad paid in order to take care of our children. Someone stole my kids money and Way2go is not following through with helping me A ) GET A NEW CARD ( I never received one when the switch took place from EPIC to WAY2GO ) B ) I NEED TRANSACTION HISTORY TO DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Experian removed 2 accounts from my credit report. This has decreased my credit score from XXXX to XXXX, putting me in the " good '' area instead of the " very good ''. 
I had initially disputed these accounts because I had originally thought that they weren't mine. But I later realized that they were mine. However, the damage was already done, and the accounts were removed, causing my credit score to decrease. 

I would like for those 2 accounts to be added back on to my credit report.
Product: Checking or savings account

I opened a checking account with TD in XXXX. I had a problem with them about 5 years ago when they signed me up for an overdraft program that left me with almost $XXXX in fees. I called the bank to let them know I did not sign up for the program, but it took about 5 calls before they finally fixed this situation and reimbursed me.Since, my account has remained fairly steady. However, I have been in what's called a simple checking account for that time - meaning each month I pay a $XXXX fee regardless of my account funds.I called yesterday to find out if there were other options with the bank, and they immediately told me I should be in a different account where I incur no fees, because I have a record of maintaining over $100 in the account - I've probably maintained this level for 1 to 2 years. No one from TD ever previously contacted me about this, or told me in person even though I've been to the bank numerous times in those years. The bank never altered me that I might be able to save money by changing my account. I estimate I incurred at least $250 in fees because of this over the years. A few times representatives in the bank actually offered me other products: savings accounts and CDs, but never mentioned this checking option.I feel like TD Bank should have notified me that I might qualify for a better product - one where they weren't skimming money off the top. I owe student loans, I have bills - $XXXX/month is actually something to me, and I am XXXX  that this company run by XXXX XXXX gets to skim off my bank account to line their pockets. I feel they acted in incredibly bad faith, knowing I would not have the time, or the knowledge, to check on other products, and they could rely on the easy $XXXX. I wonder how many people in their system this is happening to?? It makes me enraged. Once again, bankers are allowed to hurt the regular person in our country just because they can. When I called, the bank told me all about how committed they are to me and my community. Honestly they could give a XXXX about me or my community. A banker who cared would call me up and say, hey I noticed you might want to change accounts. Every time I go in they can try to ply me with a savings account or some other product, but they never mentioned the checking account without a fee. How can I trust our banks and our financial system when it seems to be run by people who want to hurt me as much as they can?How can I trust this country when these bankers have the ears of our congressional representatives.It's insanity!These guys are hurting almost everyone, just to have more money than XXXX  when they already have more money than XXXX. It is obscene.
Product: Debt collection

I am filing this FTC Identity Affidavit to Report XXXX seperate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the results of identity theft and fraud. These fraudulent accounts consist of a personal Credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> Under the account number And a loan from Amsher collection service on XXXX/XXXX/203 under the account number and XXXX XXXX XXXX XXXX on XX/XX/year> under the account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items to be removed from each of my consumer credit reports and that all collections activity related to said items cease pursuant to my rights within the FRCA and FDCPA laws.
Product: Student loan

I have a Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the XXXX under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit XXXX forgiveness because the XXXX of the United States signed a law that allows for these loans to be split and also forgiven under the XXXX program. XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, XXXX  in early XXXX. When I contacted XXXX, the new servicer, the company ( XXXX  ) stated that MOHELA XXXX XXXX. The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the XXXX signed last fall. I also want my portion of the loan forgiven through the XXXX program since I have met all the requirements for this. I have been serving in the XXXX XXXX since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).
Product: Credit reporting or other personal consumer reports

Info that has not been authorized by myself reporting on report as well as discrepancies.
Product: Student loan

I am enrolled in a program through XXXX XXXX XXXX XXXX XXXX that offers loan repayment grants for health care professionals working in underserved communities. I have a payment of {$15000.00} that has been submitted 3 times to Navient, my loan holder. Each time, Navient has cashed the {$15000.00} check, then stated that it was cashed by an incorrect department, and have returned the check to XXXX XXXX XXXX without crediting my account. This has been going on for 6 months. During that time, Navient is continuing to compound interest payments on a balance that is {$15000.00} higher than it should be because they are REFUSING to process payment on my account.
Product: Checking or savings account

In the late summer of 2019, my new BBVA checking account was hacked by no means of my own. It had to be an internal fraud situation as my card never left the envelop it was shipped in, and even when I did block the card, fraud was still taking place in and out of my account. After months of trying to close the account and get my money back, they eventually put back {$200.00} that was taken out by fraud. When I attempted to withdraw the money and closed my account, the account was frozen. For four months, I have been told additional investigations were happening. I have needed every little dollar I have to pay rent during this time of unemployment, and this bank not once, ever tried to call or E-mail me. Today I called and asked for an update, and they bluntly said with an attitude, you're not getting your {$200.00} back, and the investigations closed. When I raised my voice, she hung up. I have spent up to 20 hours plus waiting on hold for this company, and I can't do it anymore. I need your help to get my money back. It ; 's the hard-earned money that was stolen from me by a hacker and now by the bank itself. I am XXXX years old and never in my life had this customer service from any organization, let alone an FDIOC Banking Institution.
Product: Checking or savings account

Dear CFPB I have been waiting for unemployment since XX/XX/XXXX. I have been having to borrow funds from several different people to make ends meet. I finally get my unemployment check and bank is charging me {$70.00} in fees. I ask them to return but they didn't
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw a balance for the account for Santander. This debt has been officially cancelled per the IRS. See attached. This account should be updated to reflect a XXXX balance.
Product: Debt collection

This company came up on my credit report twice and with different account numbers on all 3 credit bureau. OnXXXX amount is of {$XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was charged a {$10.00} fee for cashing a check XXXX  on an account at the institution. I am not an account holder at the institution and feel as though the fee was punitive for not being an account holder, and I had no other means by which to cash the check
Product: Debt collection

Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}. 

I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam.

Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording. 

With that being said, please note we have never been to XXXX XXXX, CA
Product: Vehicle loan or lease

We paid this loan off XX/XX/2021. Received the paid in full letter XX/XX/2021 dated XX/XX/2021. After numerous phone calls, emails and texts Ally Financial still will not repot the loan as paid off on any of our credit reports. Contacted all 3 bureaus and was told to go back to the Lender to have them correct and let them know it was paid off. all 3 bureaus refuse to help even with the provided paid i full letter without a dispute but they have never worked in the past and new lenders frown on disputes on reports. Ally still says they will send the letters in again and have it marked paid off but we are 2 months past the initial payoff and I am getting no where with any of these places.
Product: Debt collection

I originally received a letter from Receivables Outsourcing, LLC ( formerly ROI ) XX/XX/XXXX stating I owed {$520.00} due to an unpaid medical bill. XX/XX/XXXX I contacted the company to verify the debt and the amount I owed was reiterated for {$520.00}. I contacted the debt collection agency the bill was sold to XXXX XXXX systems ) and set up a payment plan and the entire bill was paid XX/XX/XXXX. Recently, I had my credit report pulled and the original debt company, Receivables Outsourcing, LLC is reporting a different amount on my credit report XXXX {$590.00} XXXX with the same account numbers that were used to report the amount of {$520.00}. I called Receivables outsourcing, llc and inquired about my account and was informed the new amount of {$590.00} that is being reported on my XXXX credit report is for facility fees, which are seperate from my medical account. Today is my first time hearing about the facility fees and when I asked why I was not informed of these fees in the original letter from them XX/XX/XXXX, or XX/XX/XXXX when I called to inquire and validate the debt amount on my card, I was informed that by that time my account was already reported so it did not matter and they could sent me a debt validation. I beleive the company violating the fair credit reporting act by not including the " facility fees '' in the initial notification XX/XX/XXXX, or via our conversation XX/XX/XXXX, also the company had reported this information to a credit agency prior to notifying me of this information.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : NCB Management Service Address : XXXX XXXX XXXX XXXX PA XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida, XXXX Dear NCB Management Service. 
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Bank account or service

A relative who lived in California recently passed away, and had a Wells Fargo safe deposit box. During a visit to California to spread the cremated remains and attend to the tangible property of the estate, I appeared at the Wells Fargo branch with the box key and proof that I have legal authority to close the box. They would not let me do so because less than 40 days had elapsed since the death. However the manager opened the box, which was empty, and completed an inventory form that stated so. After more than 40 days had elapsed, I sent by certified mail a letter to Wells Fargo that stated that the box will not be renewed and offered options for how I could return the key to Wells Fargo. Despite confirmed receipt of the letter, Wells Fargo continues to send bills, now with a late fee, to a dead person for a service that has been cancelled in writing.
Product: Checking or savings account

They closed my account for wat they say was suspicious activity and to many claims
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to update he following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had purchased a bitcoin from coinbase, the transfer of funds from my bank into coinbase went smoothly but when cashing out and requesting the transfer back to my bank account they have not done so.  This was XX/XX/2017 and the estimated transfer time according to the website was 48 hours. It is now XX/XX/XXXX and still my money has not been transferred back to my bank a total sum of $XXXXI have contacted them through the support link of the website and had no response.