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

I have savings bank account with Citizens Bank and on XXXX somebody withdraw {$2200.00} from my account and at that time I was in XXXX to take care of my Father. And about this fraud I informed to bank management in XX/XX/year> and bank also agreed then I lodged the complaint and the complaint no. is XXXX. But then after so many reminders and follow ups with the bank but no response from the bank management than I lodged the complaint with XXXX XXXX XXXX  but they said this bank is national bank, so state can't do any thing, If you need a letter from the state I can send you.
Product: Debt collection

Midland Credit Management Account XXXX XXXX is reporting on my credit report in the amount of {$530.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. This negative remark on my credit report has impacted my ability to obtain credit.
Product: Mortgage

I have not received a statement for the months of XX/XX/2022 and XX/XX/2022. This is my third request for the XX/XX/2022 statement. Please forward the XX/XX/2022 and XX/XX/2022 statements. 

Also I still can not access my account online. There is an issue with the system on your end. I can log on but it says my account data could not be verified. Please see the attached screenshot. Thanks
Product: Mortgage

I brought my home in XXXX XXXX through U.S. Bank Home Mortgage, a XXXX fixed mortgage of {$2900.00} per month. I lost my job in XXXX XXXX and was unemployed for the entire year of XXXX. I applied for loss mitigation with my mortgage company, in XXXX XXXX. Loss mitigation allowed me to temporarily stop making mortgage payments until I found a job. 

In the meantime, I applied for the NJ XXXX program in XXXX XXXX to qualify for a grant to help pay past due mortgage payments. As of XXXX XXXX, I received no final answer regarding approval or non approval of the grant. 

I was approved for loss mitigation from XXXX XXXX to XXXX XXXX. I found a new job in XXXX XXXX but the annual salary is 40 % less than my previous employer. 

Starting in XXXX XXXX, I participated in the bank 's loan modification XXXX trial period until XXXX XXXX. After I successfully made the trial payments of {$2800.00} per month from XXXX to XXXX, XXXX Bank offered me a loan modification agreement. The modification loan is now a XXXX fixed mortgage of {$2900.00} per month. I wrote a letter to U.S. Bank, dated XXXX XXXX, to express my disagreement with changing the loan from 30 years to 40 years. In a letter dated XXXX XXXX, XXXX, the Bank responded the standard modification guidelines require the loss mitigation underwriters to extend your loan term to 480 months at time of loss mitigation review. 

My questions are ( 1 ) is it legal for my mortgage company to change my loan from a XXXX fixed mortgage to a XXXX fixed mortgage? ( 2 ) I also want to know if U.S. Bank has been contacted by the NJ XXXX program and are they providing the program the necessary information to help me qualify for mortgage assistance?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( XXXX ) 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that the bureaus are unlawfully reporting fraudulent INQUIRIES that arose from IDENTITY THEFT that I would like verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681 ( b ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose 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 instructions of the consumer to whom it relates. The XXXX bureas have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Product: Checking or savings account

I opened a checking account at Citibank with {$200.00} promotion. The account was opened on XX/XX/XXXX at a Citibank branch. The personal banker who helped me and my wife opened the accounts is XXXX XXXX. Her signature is as follow : Personal Banker XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX did assure me that the offer was on the account and that I would receive the bonus as long as I deposit {$5000.00} and maintain it for 60 days which I did back in XX/XX/XXXX. According to Citi Chat Team member XXXX, The 60 days requirement was completed on XX/XX/XXXX and that the bonus should have been in my account no later than 90 days after that date, which was XX/XX/XXXX. I reached out to Citi Chat Help again opened a case for the issue to be researched further. The case number is XXXX. I finally received a correspondence from Citibank claiming there was no bonus in conjunction with the account and that they won't deposit the {$200.00}! I will be uploading the following documents : 1.Chat with Citi reps confirming I met the requirements and I would get the bonus 2. Screenshot of promotion from Citibank 3. Email from Citi XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Product: Vehicle loan or lease

I have had a vehicle loan with Pentagon Federal Credit Union for approximately the last 18 months in which I make on time payments via their website each month. This month I am traveling overseas and attempted to login to make my payment which is due in the next few days ; only to have my access blocked and to be told that I need to call their customer service department. I immediately contacted their customer service department which was of course closed at the time. I contacted the number provided to me once again when they reopened and spent an incredible amount of time with an agent verifying ID information and receiving a text message to my mobile phone which I in turn also had to provide her. I expressed my concern that I simply needed to make a PAYMENT on my account and was told there is nothing she can do and that I need to speak with a DIFFERENT department that was not currently open. I then advised her that I would PUSH a payment from my checking account with a different bank and was told that they would not accept my payment and would return it. 

This appears to be a clearly fraudulent business practice that PenFed is blocking consumer accounts for supposed security reasons and then not allowing a payment to be made on a DUE account and thereby potential causing customers to incur late fees and derogatory credit marks on their credit file. 

From my research online PenFed seems to have a habit of blocking consumer accounts and then creating havoc to get them unblocked when people try to access their accounts overseas or via a Virtual Private Network ( VPN ). While I understand the need for security measures blocking a consumer from making a payment directly from their account at ANOTHER bank ( a PUSH payment ) appears to be a fraudulent and deceptive business practice. The agent advised me that under no circumstances would a payment be allowed on the account until I spent additional time contacting some other Department.
Product: Mortgage

The amount is XXXX but there are others which were misapplied.They are taking money and paying down principal where they are not supposed to do it.I have a linked account in the bank there to make auto payments to pay the mortgage. They keep varying the mtg payment amount and either overcharging or undercharging me on a regular basis. We have made many phone calls to BOA and have been unsuccessful in resolving this issue with BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have been with Bank of America for nearly 10 years now. It was my first and has been my primary bank account. Recent decisions have protected my investment in the stock but have lowered my confidence as a customer and today 's events was my breaking point with this organization. I waited nearly 40 minutes today to deposit money in my bank account. In summary, I was offered the opportunity for a 0 % interest rate for the next 16 months and the documentation I received indicated I could use it for a balance transfer or to deposit it into my checking account. There were several issues with this ( including it being XXXX over ) that were trivial and not conducive treatment of a " Preferred Rewards '' client. Ultimately, I was told that they would not extend the promo to me and I would have to pay a nearly {$800.00} fee for transaction AFTER the transaction was completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, XXXX XXXX reported that I owed a debt of {$200.00} to the credit reporting agencies ; it was reported as a collection. I can not recall whether I owe the debt or not ; I never paid it nor did I dispute it. Early XXXX of this year, I reviewed my annual credit report and realized that the XXXX XXXX collection of {$200.00} was still being reported after 7 years. I submitted a dispute to Experian requesting to have the collection removed since 7 years has expired. Instead of XXXX XXXX agreeing to have it removed, they updated the status of it from collection to charge-off causing the same debt to negatively impact and remain on my credit report for another 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent Experian a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 

I then went back to Experian on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item and stated they verified but clearly did not which is imploding on my ability to purchase a home and causing me to pay thousands more a year interest. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my credit monitoring account and seen unfamiliar inquiries on my account such as : XXXX XX/XX/2XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 I tried to call these companies some didn't have phone number to contact therefore nothing was done to fix this issue. 
Also I have never applied for a mortgage whatsoever yet there are number inquires on my report from mortgage companies such as : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I WAS CHARGED A MAINTENANCE FEE ERRONEOUSLY. I HAVE DIRECT DEPOSIT EACH MONTH AND FUNDS PUT IN XXXX ACCOUNT. THE BANK TOLD ME TODAY THAT I NEED TO HAVE THE DIRECT DEPOSIT PUT INTO BOTH ACCOUNTS. I ONLY HAVE XXXX ACCOUNT WHEN I OPENED IT YEARS AGO AND NOW THEY CLAIM I HAVE XXXX AND HAVE TO HAVE DIRECT DEPOSIT PUT INTO XXXX ACCOUNTS TO AVOID A MAINTENANCE FEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment on account A card the payment was applied to account B card for months XXXX, XXXX, XXXX, XXXX, and XXXX all of my payments where paid on time each month. The Credit Card Company reported to all three credit bureaus late on credit card A and sent to collections. I call called Credit Card company they made correction and had me contact your agency. They made the correction on there side of this issue. I have bank statements and confirmations showing payments to credit card A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am under the impression that because I did not pay the whole {$9000.00} plus that the company wanted me to pay at the end of the full contract that my account was marked as not settled in full, however I did pay ALL the money that was initially given to me in full. The loan was paid off before the full term so of course I didn't pay what I would have paid if the loan was left open longer. How am I getting punished for interest that I didn't accumulate due to the contract closing sooner than later. Keep in mind this was all going on during the peak of Covid-19 with no income coming in which is why I applied for the loan in the first place. So basically the company is upset because they didn't make any money off of my loan. I paid EVERY dollar BORROWED BACK that was deposited into my account from One Main. You can't count interest for a loan that was not open for the full term which is what I discussed with their lawyer on the phone while mailing her my certified payment. I was promised otherwise and my credit report does not reflect what I was told. Please fix this because I am not accepting this from the company. I received a loan from the company in XXXX 2020 during the pandemic when my family lost everything. I was not working and the company was advised that and I paid them in full ; more than the initial loan that they gave me. Upon paying the loan the company told me that they would mark my account paid in full with no late fees but instead marked me down as settled. I literally paid them way more than they first gave me. I had disputed before and still no resolution from them. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , are inquiries I do not recognize and im sure it wasn't authorized. I ask that these items be fully investigated.
Product: Credit card or prepaid card

I attended a XXXX  about Real Estate business and gave the XXXX XXXX XXXX XXXX XXXX my confidential information in hopes that they would give me some terms to elect from in order to be taught and trained by their XXXX XXXX XXXX, Not only was I never given any training but the XXXX XXXX XXXX XXXX XXXX created fraudulent Credit cards in my name totaling over $ XXXX, where I was told that the training I was interested in was less than XXXX. I was under the impression that they had their own financing program and that I could pay as I was taught. I never was told that they were going to fraudulently apply for over XXXX of credit cards without my authorization or knowledge and then forwarding XXXX dollars into their own account. 

The account I am reporting here is the PNC Bank. I have attached a copy of the statement where I received a newly acquired credit card having a $ XXXX withdrawal made into the XXXX XXXX account by the XXXX XXXX XXXX XXXX XXXX See attached ( PNC_ReceiptForFraudulentAccount.pdf ). I made repeated attempts to get the XXXX XXXX XXXX to resolve my fraud situation or resolve my fraud situation, but to no avail. 

I then took my documentation to the XXXX  XXXX XXXX because I am a Senior Citizen of 68 years of age and this criminal act has robbed me of my life 's savings and all of my XXXX and XXXX XXXX XXXX represented me for free under their XXXX  XXXX XXXX program for free.. XXXX XXXX XXXXXXXX , under the assistance of Attorney XXXX XXXX , fought my case and won!, but the PNCBank still would not respond to my attorney.s inquiry. See Attachment ( XXXX ). Attorney XXXX has since taken anew job in the private sector and could not proceed with representing me against the PNC Bank. She recommended that I seek assistance from the CFPB which is why I am appealing to you. 

Here is thanking you in advance for any assistance you may provide me with in hopes of helping me resolve this horrific nightmare, I am really struggling to pay these extreme payments and I don't know how long I can continue to do this without my health completely failing. I will be glad to assist you with any questions you may have and do not hesitate to contact me for any reason at ( XXXX ) XXXX. Thank You. 

Respectfully, XXXX XXXX.
Product: Credit card or prepaid card

I had returned an item that I had purchased at Banana Republic with a Banana Republic gift card and had not been refunded.
Product: Credit reporting or other personal consumer reports

In looking at my credit report and noticed some things that aren't correct. I sent a letter to Experian on XX/XX/XXXX for the following collections accounts XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX. I asked them to produce any documents with my signature proving I had conducted any business with them. The accounts came back verified and continue to be on my credit report. I spoke to the fraud dept. I asked them to provide me with who they spoke to at each company that verified these accounts. I told the fraud department these accounts are not mine. They told me to file a police report to have these accounts removed. Attached you will find the police report submitted for identify theft and fraud. 

15 USC 1681i ( a ) ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT XXXX Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments XXXX XXXX XXXX ( 48 Months ) XXXX XXXX XXXX Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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  Account Name : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX