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

This is regarding TD Bank, Routing number is XXXX and my account number is XXXX. 
I made the deposit with the branch manager verifying the check. The account was open with the bank manager present and not only has TD Bank fraud department put a hold on the check, they just returned the check and said I am short {$14000.00} in the account. I just put {$16000.00} into the account to cover the 1 day hold, but I do not keep this type of money in my savings. Below is the new reason why the check is no good and now they are freezing the account of the maker of the check. 
Read below : The issue is the handwriting of your name doesn't match the rest of the check, so our back office team says the check was altered. It triggered the check being returned and XXXX account being frozen because of it. I'm on hold trying to work with them on a resolution as I type this. 

The branch manager saw the check being written, the branch manager was there when the funds were deposited, In the name of XXXX, I have done everything that I can to do this correctly. TD Bank is just digging in their heels and trying to cover there mistake with different reasons and lies. Why can they just say, my mistake and fix the problem instead of messing with people 's lives and businesses!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

I sent your bureau a dispute letter in regards to these accounts on XXXX asking that they be removed.. To date, I have not received an investigative results report. Please note that is a 30 day violations to date. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these two accounts liste under ACCOUNTS TO BE AMENDED to never late. 

I have a real estate transaction worth {$450000.00} being held up in escrow due to these negative accounts being reported on my file. I must close my real estate escrow by XXXX.
Product: Student loan

XXXX hit and I was paying a lot down on my student loans. Then the XXXX XXXX announced forgiveness and I was eligible, so I requested a refund of {$14000.00} ( the amount I had paid in during COVID ) which bumped my balance to {$19000.00}. This is what my account showed at that time after the refund settled. 

When I requested my student loan refund they sent me like one check for each payment I had made in the mail. I cashed these checks and all was well. A week later I got another set of checks identical to the first. I did not cash these checks and Nelnet called me almost immediately and said " Hi { my name }, we sent you duplicate checks in error. Please destroy these checks and confirm they have been destroyed. '' I complied and gave confirmation to them. 

Then about a month later I got a letter in the mail saying " Send us the duplicated checks back or else we will be forced to add that amount back to your account ''. I had an hour phone call with them explaining the situation and telling them that they had already called and told me to destroy the checks myself. After this they agreed that I was good to go and that the balance would not get added to my account. 

Fast forward to today when I logged in and the balance was added to my account, now saying I owe over {$34000.00} when it should have been {$19000.00}. 

Apparently their error in sending me those checks caused them to add that amount to my account since they never got them back. They told me to destroy them. This may be hurting my XXXX XXXX in the interim since it's showing an additional $ XXXX needing payment. 

Now when interest starts accruing I'm going to be paying interest on this money that was added to my account in error by Nelnet. 

Additionally this has added lots of undue stress on me when them having some sort of process to catch this error on their end would have prevented this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Discover Bank XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have noticed some innacuracies on my credit report and I have contacted each company for a resolution. Each department gives me the run around.
Product: Credit card or prepaid card

PNC bank XXXX XXXX Credit Card. My account was cut off due to XXXX mo of inactivity. They sent out XXXX letter that likely looked like junk mail and was thrown away. I am a XXXX year customer and lost my credit history when my card was cut off. I asked them to reinstate it but was told it is impossible. I am shocked they are allowed to punish customers who do not have debt and keep a credit card for emergencies. One letter is not sufficient notice that your card with be canceled.
Product: Checking or savings account

Bank just closed all my accounts one day without any explanation i contacted them to no resolve My personal checking savings and business checking
Product: Mortgage

I have an FHA mortgage loan that is being held by US Bank. They are not being fair or accurate in their modification review and have been extremely difficult to deal with. They put me through a nine month process that was tedious and frustrating, have repeatedly lost or misplaced my information, have assigned multiple points of contact and have told me XXXX thing and then days later I am told the exact opposite by a different employee. All of this paperwork finally resulted in an offer, but the payment that was provided was close to half of my monthly income. Not only that, when I received the paperwork ( on XXXX XXXX ) the date that I was told I had to respond and or appeal the decision by was that day. The letter was dated XXXX XXXX. It is like they intentionally put me in this situation where there was nothing I could do to question or challenge their process. I am quite certain that US Bank made significant errors while reviewing my financial information. Months ago when I began the process my daughter was XXXX and receiving money from XXXX. However, during the process she turned XXXX and stopped getting that income. I think that US Bank believed that money was part of the financial picture, but it is not. However, they have not given me a chance to appeal or present my side of the story or open a new review, and instead have put me into foreclosure. 

When I bought this house I was a XXXX for XXXX and was well paid and felt that I had stable employment. I unexpectedly was XXXX in 2011 and could not find work for 8 months. I tried to get US Bank to consider me for unemployment programs but they denied access to any of these. I used my savings to pay as long as I could but could not keep up. I then contacted the Illinois State program XXXX and they approved me and paid the majority of my mortgage payment for about a year. During that time I found employment, but had been forced to change careers and take an entry level job at XXXX XXXX along with a pay cut of almost 70 %. Once the XXXX grant expired I began trying to get US Bank to work with me. It took almost a year to get them to actually complete a review, and when they did they used outdated information to come up with a program for me and then sent the information so late that I could not open an appeal into their information and decision. I am a parent and I have worked hard for many years to get this home. I totally understand that I signed a contract to pay for this home but I lost my job and was out of work. I have done everything I can to comply with US Bank and their requests and feel that I have not been given a fair or accurate review
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX I need to know who the original creditor is because this account isnt familiar to me. I dont agree with it. Would you agree? Im just trying to be real and honest.
Product: Checking or savings account

In XXXX, I was going to school at the local XXXX  college for my XXXX XXXX XXXX classes. They did not have Public funding for Student Loans in that Summer, so I had to get with a Private Student Loan company " XXXX XXXX XXXX XXXX XXXX '' to get a loan. 

They have been trying to get their money from me ever since, which I don't have a problem with because I Know I owe them money and I will pay once I start working. The problem is that I had a baby in XXXX, XXXX and now I am a XXXX XXXX XXXX XXXX. So I am not working. 

They have taken our case to Civil Court with XXXX County. The Case # is XXXX-XXXX-XXXX-XXXX in the Civil Division. My bank which is Fifth Third Bank send me the court document. It was a " Writ of Garnishment ''. So they got into my Bank Account and froze XXXX on XX/XX/XXXX. The garnishment order is for {$2900.00} but I spoke to XXXX at XXXX and XXXX PA in XXXX XXXX FL and I talked them down to settle with me for {$1500.00}. 

I really do want to pay them, I just don't have the money right now. I could possible pay monthly for $ 30- {$40.00} a month but I don't think they are going to accept that, so what can I do? I need HELP. Representation someone that can verify that to them that I am a XXXX XXXX XXXX XXXX for my son and that I am not able to pay right now except $ 30- {$40.00} a month, but I plan on getting a job as soon as my son is a little older, like 4, so in XXXX I can pay more. 

But I don't think it's fair that they are Garnishing what little money I have to Live On. I get {$200.00} a week from my Mother for Living expenses for my son and I ... ..I can not give them that money. I need it to Live on. My fiance pays the bills and he is not responsible for MY EDUCATION EXPENSES, I am. And I do promise to pay in the Future or even a little now for good faith. What can I do? 

I am definitely in a predicament. 

My Representative at XXXX and XXXX is " XXXX ''. The number there is XXXX XXXX XXXX XXXX. Her extension is XXXX. We spoke around XX/XX/XXXX about settling for {$1500.00} but after further thought I am not able to because that is money I need for my Wedding in XXXX. 

Can you please help? Call me at Home if you can XXXX XXXX XXXX or my cell XXXX XXXX XXXX. 

Thank You! 

XXXX XXXX XXXX '' XXXX XXXX former student
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting XXXX account XXXX on my credit report. The account is showing an updated/past due balance as of XX/XX/XXXX but is also reporting charged off as of XX/XX/XXXX. I've reached out to Experian for months in regards to this account incorrectly reporting and nothing has been verified, validated or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received alert from Experian that XXXX XXXX XXXXXXXX had pulled my credit report and it reflected as a Hard Inquiry. 

The inquiry was done on XX/XX/2023 XXXX XXXX XXXX  was contacted and could not provide any further details, A fraud alert was placed on my account. I have no loans or credit through XXXX XXXX XXXXXXXX. Nor di I recently request or apply for a loan or credit through XXXX XXXX XXXX 

Experian was contacted and also placed a fraud alert on my account.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unauthorized Transactions and Lack of Resolution Dear Sir or Madam, I am writing to express my deep concern and dissatisfaction regarding three unauthorized transactions that appeared on my Navy Federal account, each for the amount of {$310.00} on XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$310.00} These transactions were made to XXXX, and despite my efforts to obtain information from the airline, they were unable to provide any details regarding these charges. I have no confirmation number, no confirmation emailabsolutely nothing. I called the airline multiple times, and they were unable to confirm the mentioned transactions. 

I must emphasize that I authorized the first transaction, but the amount was charged to me three times, totaling {$950.00}, and I never received the tickets. Given that these charges are identical and clearly suspicious, I find it unacceptable that I am now being asked to return the credit that was previously issued for two of these transactions, especially when the third remains unresolved. 

I have been a loyal customer of Navy Federal since I joined the XXXX XXXX and expect the highest level of protection and support when it comes to the security of my account. The fact that these fraudulent charges were processed not once, but three times, is deeply troubling. Moreover, the decision to reverse the credit provided without sufficient evidence is unacceptable.

I demand that Navy Federal reinstates the credits for all three transactions immediately and provides me with a thorough explanation of how such unauthorized transactions could have been processed in the first place. As a customer, it is my expectation that the bank upholds its responsibility to protect my financial interests.

Please consider this communication as a formal request to resolve this matter swiftly and ensure that no further charges are levied against my account. I trust that Navy Federal will take the necessary steps to rectify this situation promptly. 

I look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Call is from Citi Cards. They keep calling me over a MasterCard debt. I finally decided to address them today in-depth after I've already told them before not to call. I told them I do not have a MasterCard. I told them very firmly. They accused me of yelling at them when I was just firmly stating I do not have a Mastercard. At which point I said I only have visas that's how I know I don't have a MasterCard debt. Then they said well that's great we can help you with your Visa debt to you can save thousands of dollars. I said no thank you please take me off the list. They refused to even listen to me. I ask to speak to a supervisor. I asked repeatedly. He kept interrupting me and finally said I am the supervisor. I said great. Please remove me from the list. He refused and kept telling me no no no no no no. This needs to stop. I told him he would be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory remark from a law firm in Texas that is a collect agency. That law firm purchased an old Dept from the year 2006 when XXXX XXXX ambulatory services took me unconscious to the hospital. The debt is now 16 years old and I filed a dispute with all 3 credit agencies about it. Of the 3, XXXX is the only agency that has failed to take it down and that is after I filed 3 different times with them to have it removed from my credit rating.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX CO XX/XX/XXXX, XXXX XXXX BA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed them. Please delete these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> and XX/XX/year> a customer of XXXX XXXX XXXX which is I own received payments from a client who I had a signed contact from the client that he would pay for the consulting services. The bill was {$4000.00} but he was to make in payments. It turn out that XXXX XXXX XXXX could not help him with any financial assistance because he had fraud documents. 

The client ended up calling XXXXhis bank and disputed the 2 times he sent monies to my account. No I did not have to refund him. 

However instead of WELLS FARGO protecting me and my account they closed down my accounts ( BUSINESS and PERSONAL ). Its like they penalized me for him being fraud. The zelle was connected to my business account. 

I need understanding as to why my accounts got closed down. It should had been his accounts. 

Thank You XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I attempted to open an online XXXX account with the Department of Human Services in Illinois. As required for identification purposes, I called Experian to verify my identity. I was first refused because of a supposed " glitch '' in the system. After a second attempt, I was asked for a " verbal consent to check my credit history ''. Then I was told by that worker to " consult children and family services ''. The company flat out reused to identify me, even though I already have an active Medicaid case. I feel I am being discriminated against because I am economically disadvantaged, because I don't have a credit history.
Product: Debt collection

GURSTEL LAW FIRM has sent a debt collection summons to me. They are representing a third party debt collection company XXXX XXXX XXXX. I don't have a contract with neither company and have never heard of them. I believe they are committing fraud. The summons shows a date of XX/XX/2023 but I received this XX/XX/2023. The envelope is post dated XX/XX/2023. They also included a certified mail number that hasn't even been processed. I believe this is in effort to time bar so that they can move forward with some judgement. They are committing fraud. Never have I received any correspondence from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my report, both XXXX and TransUnion. I have filed a police report and was sent to Bank XXXX XXXX, TransUnion and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : XXXX police report XXXX FTC report XXXX dispute the account with creditor XXXX dispute the account with credit bureaus XXXX submitted supporting documents XXXX submitted identifications documents XXXX XXXX XXXX is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted XXXX XXXX XXXX and reported this XXXX account XXXX I also went to the bank in person as I was instructed and followed all XXXX XXXXXXXX XXXX procedures to remove the account with no luck. 

Account number XXXX ....