23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I went through a divorce several years ago. Thereupon, I had no idea of the existing mutual debt my x-husband and I had with with First Citizens Bank in XXXX, XXXX. I received no calls, notices, etc. All of the aforementioned went to my x-husband. Subsequently, he closed his account at First Citizens, and started banking elsewhere. Unbeknownst to me my SSN was still attached to this debt. Therefore, First Citizens cleaned out my personal bank account. At this point in time, I was a single mother with XXXX daughters, and unemployed. I finally secured a job in XXXX XXXX and have been working on my finances ever since. XX/XX/XXXX I went to First Citizens to make right on my outstanding debt. Soon after, the XXXX flood hit us here in XXXX. Our area was dramatically affected. Thereafter, it took months for me to finally re-connect with my contact at First Citizens. When we connected, XXXX XXXX ( bank manager for the XXXX XXXX branch ) informed me she was switching branches. I had banked at the XXXX XXXX XXXX branch of First Citizens for over 15 years. I went to XXXX XXXX, who had helped me in the past. She was aware of my situation and was extremely helpful. Trying to decode all of this out was very confusing. After many phone calls, office visits, and more phone calls XXXX was able to help me decipher who I needed to pay and the dollar amount I needed to pay. I paid the first debt of {$750.00}, which was tied to my personal checking account, XX/XX/XXXX. The {$750.00} amount was paid to XXXX ( XXXX XXXX XXXX ). I received a letter from them dated XXXX/XXXX/XXXX showing the account had been paid in full and had a XXXX balance. I then wrote a check for {$620.00} on XXXX/XXXX/XXXX to First Citizens for the second amount owed. This amount was tied to the line of credit for overdraft protection.To date the {$750.00} amount is still showing on my XXXX credit report ( to my knowledge it is not still on XXXX or XXXX ) and the {$600.00} amount is still shooing on all XXXX credit reports ( XXXX, XXXX and XXXX ). I realize that it can take up to 60 days for credit reports to update. However, I did my due diligence early this year in the hope it would be reflected on my credit report by XX/XX/XXXX. I have spoken with Al at the First Citizens Bank headquarters in XXXX. Per XXXX, he just received the notifications of the XXXX balance for my accounts. There has been over a 30 day lag time from when I paid off the amount and from when it was sent to the bank headquarters for updating. It is imperative that I have this cleared up by XXXX XXXX. If not, I will forfeit a house I have a contract on, as well as, {$5000.00}. My children and I have moved so much over the years. It is so very important to me to able to finally own my own house ; a place my girls can really call " home ''. The only response I get from the bank is it takes up to 60 days to reflect on your credit. No one will help me. Your immediate attention to this is very much appreciated, as well as, very much needed! Thank you for your help. - XXXX XXXX
Product: Mortgage

I paid off my loan with Pennymac Mortgage and they continually refused to return my original loan documents and original signed promissory mortgage note.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX can not produce my loan information they refer me to XXXX who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.
Product: Checking or savings account

Bank account account deleted and frozen. Called Ally Bank and requested why. They said that it was due to a XXXX that I had received being reported as fraudulent by the person who sent it. 

1. I was not aware of the XXXX. 
2. Never have spoken or communicated with the person. 
3. Can not access anything with my banking. 
4. After being explained this I realized I had received a weird voicemail a few days prior and it was what I think may have sent it. Person called themself XXXX  and was talking about having sent a XXXX to a person named XXXX I explained this to the bank and they have done nothing and still are refusing me access to my funds. 

The amount that the bank says the XXXX was for was {$150.00} Attached to this is a screenshot of the voicemail transcribed by my phone. 

Along with a file of the voicemail. 

Additionally the companies doing harm is XXXX and Ally Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Debt collection

I previously informed the company that I did not authorize this transaction. Despite this, I have continued to receive persistent inquiries regarding when I intend to make the payment. I request that the company cease these requests and address this matter appropriately.
Product: Credit card

Barclay has lowered my credit limit twice in the past six months or so. The first time, they lowered it dramatically. The second time, they lowered it by {$1000.00}, just a few days ago. When they do this, they send a letter in the mail -- so I find out when I receive a credit score alert. 
I pay on time, generally more than the minimum. There have been no late payments that I know of. We recently went through some transition and are recovering from financial setbacks, as many people are. However, we are fortunate to be in a position to pay the account in full within the next two months and terminate my relationship with this company.
Product: Vehicle loan or lease

On several occasions Regional Acceptance employees have mishandled my account and lied in order to lead to repossession of the vehicle. They lied about fees and even after paying the balance in full inexplicable fees remain on the account for the amount of {$1000.00}. Then there are other inexplicable fees for the amount of {$330.00}. I spoke with an agent in collection who perpetrated herself to be a supervisor on XX/XX/XXXX who I made an arrangement with even though I had no idea what the fees were for. She read me all of the disclosures on a recorded line for two months of payments to be deferred, XX/XX/XXXX & XX/XX/XXXX, but never submitted the paperwork to ensure the payments were deferred. The verbal agreement made was for two payments to be deferred and the amount of {$760.00} to be paid on XX/XX/XXXX. In addition, monthly statements were being withheld from me that prove that the account was paid in full during those months which would disprove the past dues payment amount and other charges due. I have recorded phone calls of all of the lies that were told to me in attempt to get my account too far behind to catch up then enforcing repossession. This predatory behavior then resulted in them reporting to the credit bureaus that my account was 30 days late. Regional Acceptance is scamming people for false fees and their employees are blatantly lying about what is being done to the account. Recording can be provided upon request.
Product: Student loan

I have a federal student loan originated in XXXX and XXXX that was originally serviced by NelNet. In XXXX it was sold to XXXX and my principal balance significantly increased. In XXXX I required XXXX perform an audit where it was uncovered payments were being improperly applied to the balance, and inflated by interest accruing. In XXXX I had a balance of {$8300.00} ; however, when it was sold back to NelNet in XXXX, my balance increased to {$9600.00} despite not being active since XXXX AND no interest accruing due to COVID relief programs. 

I tried e-mailing and calling NelNet, and have not received ANY responses. I am not willing to pay for inaccurate principal and interest.
Product: Credit card or prepaid card

My husband and I both opened credit cards on the same date, to make a purchase from the same merchant on XX/XX/XXXX. The merchant is XXXX XXXX, which we now know is a subsidiary of, or at least directly connected to Barclay 's credit card. On XX/XX/XXXX we began the process of disputing the purchase and canceling the contract with XXXX XXXX. In XXXX of XXXX, my husband 's dispute was approved, his credit card statement showed a zero balance. My dispute, again for the same date, merchant and almost identical amounts, was denied. On XX/XX/XXXX, I was finally able to speak to a representative on the phone, XXXX, and was told to send a cancellation of the contract with XXXX XXXX. Canceling the contract was a very lengthy process, and in the mean time I made minimum monthly payments in good faith this would be resolved and so as not to affect my credit rating. I was very clear that this dispute was not closed. XX/XX/XXXX I obtained and sent a copy of the contract cancellation highlighting specifically " you will no longer have any further ownership rights and/or financial obligations pertaining to this contract. '' On XX/XX/XXXX I received yet another denial of this dispute, stating they " unable to obtain a credit for you from the merchant 's bank, and we must now consider this matter closed. '' I immediately responded that I do not consider this matter closed, and listed the reasons as I have below. 
There are several problems I have with this whole situation : 1 ) Why was my husband 's dispute approved and the balance erased, but mine was not? Everything was the same, exact copies of the dispute with different claim numbers and slightly different amounts, so why not both denied or both approved? The only differences were, possibly the employee who handled the disputes, and I am a woman. 
2 ) I was given an explanation and told how to continue. I did exactly as I was instructed, but it was denied again. No way to appeal was explained or given either. I was told " continue attempting to resolve the matter on your own if you are still unsatisfied with the outcome. '' That is exactly what I am doing. 
3 ) Is it a conflict of interest to arbitrate a dispute between a customer and your own bank? 
This whole situation is riddled with unfair business practices. I was told to continue to attempt to resolve this issue on my own. This is exactly what I am doing. If there are other steps that need to be taken, please send me the information. I have all email and letter correspondence, as well as notes taken from the phone conversation if required. Thank you for your consideration in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  / ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called into discover bank to see if i can get a forbearance for my credit card department I had XXXX  XXXX XXXXXXXX done XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX due XXXX XXXXXXXXXXXX XXXX With my recovery 8-12 weeks Aside from this unforeseen and unavoidable circumstance, i have an excellent payment record with discover bank and i wasn't granted hardship untill my account was 30 days late and they reported XXXX late payments to the credit bureau and XXXX payment how im i going to make any payments on bed rest i attached my XXXX documents I Also called into Discover and explained my situation and I wasnt granted any hardship before my XXXX w hardship after the late payment was reported to the credit Breau What i want to happen is my late payments removed
Product: Checking or savings account

I recently found out my information was used on the dark web and my phone was missing ans stolen and many transactions were made through the year and I made reports and disputes and well Fargo discriminated me and I felt like cause I was " XXXX '' they said they had to cut ties and they dis not credit me or help disputes the charges made against me. I spoke to their superiors and they also were following the notes in their system that I was having my account closed for they claim that it was my protection and theirs when my phone card and wallet, mobile app was being used. I tried to argue and fight to keep my account but they determined that it was the best thing they can do for me for now.
Product: Debt or credit management

For the last 3 years I have been trying to work with Rushmore. My husband and I had signed paperwork that stated if anything ever happen to him the house would be paid off. The amount still owed on the house is unrealistic. They never provide any information. I was back on my mortgage and applied for assistance was granted assistance from the state and the money wasn't applied to the mortgage as it was suppose to be. 

The took out for insurance and taxes which I was paying my own insurance and I am exempt from paying taxes because my husband served the military.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate unverified information on my credit report. Transunion and XXXX stated upon investigation verification by XXXX. XXXX verified the disputed Information was unverified and deleted yet Transunion is still stating XXXX verified the information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite having sent letters regarding this matter over XX/XX/XXXX days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused a certified letter from me disputing a debt. This violates my rights to dispute incorrect information on my credit report. Experian must legally review every letter to see if it has new information that is relevant to items on my report. Experian refused a letter without reading the contents inside, which means they failed to review the letter for new information. They have denied me my right to dispute items on my report. Experian wrote " refused '' on a certified letter mailed on XX/XX/XXXX ( picture included ). 
I have reached out to Experian twice over a debt that is not mine. I have asked Experian if they have the original contract for the debt with my written signature. This is required under section 609 and section 611. Experian has never provided proof that they have a copy of the contract with my signature in their possession. Instead they send me documents that I have not asked for and are not the contract. If Experian doesn't have the contract, they must remove the debt from my report. 
Experian has failed to provide proof of the contract ( again, no actual contract has ever been sent to me, and they have never proved they have it in their hands ), and now they are refusing mail. 
This is illegal, and this violates my rights. They are legally bound to review letters to see if new information is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A.- States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 - it also states a consumer reporting agency can not furnish a account without my written Instructions
Product: Bank account or service

I recently opened a checking account with Bank of America. I made a {$80.00} withdrawal XXXX XXXX. A few days later when I went to make a withdrawal my account showed XXXX balance. I knew I should have had around {$500.00}. I call the bank to find out what happened and was told of XXXX more transactions made a few minutes after I made my {$80.00} transaction. I did not lose or misplace my debit card. I filed a complaint over the phone with the bank rep. Bank of America replaced {$800.00} the next day but when my payroll check came in the automatically took the {$800.00} back out of my account. I called the bank and requested to see the film of my account transactions so I could prove that it was not me that made the other transactions. They said ok but never contacted me. Now not only did they take my hard earned {$500.00} but they also show me owing them {$300.00}.
Product: Credit reporting or other personal consumer reports

I have used Credit Karma 's services since XXXX. I had their Spend, Save, and Credit Builder programs. I didn't use them for anything other than my taxes and credit monitoring. On XX/XX/XXXX of XXXX I found a charge on there from a different state and reported it. The person I spoke with stated my accounts would be frozen and a specialized team would be investigating. On XX/XX/XXXX I received an email from Credit Karma asking for a copy of my license, via the email. On XX/XX/XXXX I received another email stating that all my accounts were closed. I didn't request this and they didn't provide any reason. On XX/XX/XXXX I received an email that my Credit Builder program was closed with no explanation. On XX/XX/XXXX I recieved an email stating that I must provide my outside bank information in order to get my money that was in that program and I must provide it via email. I called and was told by the Credit Builder program I must provide it in that email and that they couldn't take it over the phone. In the email it even said to include special characters to bypass their own system. I stressed how absurd this was but they said that's the only way to get my money back. All throught this I was never told why all my accounts were closed, just that they had the right to do so for any reason. This is wrong, I went to them because of a fraudulant charge and now my credit has been damaged and I have no explanation. I had also asked for all statements for my accounts and have never received those. I contacted them yesterday and today because I tried to open an account again, like they said I'd be able to, I wasn't and they still couldn't give me an answer. I also have never received a letter of explanation. How can they do this? I've been with them since XXXX and went to them for exactly what they are for and I get dismissed and shut down.
Product: Checking or savings account

Applied several times for checking account. Received a letter stating they cant verify my identity. I have since ran all three credit reports. All is in order. 

Application # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I have Fraudulent accounts on my report. Please remove these accounts from my credit report. they are hurting my ability to obtain credit.. 

The accounts as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX  {$7300.00} XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX  {$7100.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$16000.00} XXXX  XXXX Reported : XXXX XXXX, XXXX  {$490.00} US DEPT OF EDUCATION XXXX Reported : XXXX XXXX, XXXX - {$690.00} In good standing
Product: Debt collection

I am a XXXX patient, and an XXXX XXXX, XXXX, XXXX XXXX Veteran. I am in XXXX treatment. I got behind but was in contact with the company, and have resumed full payments. I have asked for a complete audit of my account and have been waiting for a call for 6 months. They would call up to 11 times a day, and email me 5 or six times a day. Now for some reason I can't get the information I have been requesting. I was told they sent an email XX/XX/2020, at XXXX, XXXX, CST. I have not received that information as of yet. When they were emailing me harassing me and doing the same up to 11 times daily I received all of those emails and calls
Product: Debt collection

Every day XXXX XXXX continues to contact me and I refuse to call them back.
Product: Credit card or prepaid card

My Paypal account is not working despite multiple attempts to resolve issue. 

I get the following error message for all of my payment methods : We aren't able to process your payment using your PayPal account at this time. Please go back to merchant and try using a different payment method.
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 inaccurate, 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 ( File No. 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. 

These are the accounts that I have marked as inaccurate : Account Name : XXXX  XXXX  Account Name : XXXX XXXX Account Name XXXX XXXX XXXX Inquiry Details/Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/year> Inquiry Details/Name XXXX XXXX XXXX Date of inquiry : XX/XX/year> Inquiry Details/Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry Details/Name : XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/year> Inquiry Details/Name : XXXX XXXX Date of inquiry : XX/XX/year> XXXX