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

I would just like my account closed and a check with for the remaining balance send to my address on file. the remaining balance is {$1800.00}.
Product: Money transfer, virtual currency, or money service

I'm trying to do an international transfer using XXXX from my PNC bank account to my bank in XXXX. 
The first time I did this it worked fine. Now when I try to do a second transfer, then PNC will not let XXXX  connect to PNC. I guess they don't like competition.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX Reports Consumer Relations XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : XXXX XXXX, Background Report, Incorrect Eviction listing. 

To whom it may concern ; It has come to my attention, by review of the background report, furnished by Your organization, that you have a listing on file, dated : XX/XX/XXXX, Case No : XXXX, for : Forcible Entry/Detainer Release . 
Under the name of : XXXX XXXX, XXXX. At : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I am disputing this incorrect information. My name is Not : XXXX XXXX XXXX XXXX and I have never lived at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
This is a case of Identity Theft and Fraud! 
The entry is being disputed and should be effectively removed from your system immediately! 
I have supplied my Identity Theft Affidavit along with current Identification and Social Security card to verify my true identity. 
Once this information has been corrected, please send an updated report with an apology for misrepresented information which improperly showed me as having an eviction which is incorrect. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX California XXXX XXXX ( XXXX ) XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Assistance Regarding Hold on Business Checking Account Account Number : XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance concerning a hold placed on my business checking account with U.S. Bank. This hold has significantly impacted my business operations, and I am seeking its immediate removal and the release of my funds. 

I first noticed unauthorized charges on my account starting in XXXX. However, I became aware of the issue in early XXXX. Despite my attempts to resolve this matter directly with U.S. Bank, I have not received a satisfactory explanation regarding the hold on my account or the status of the disputed transactions.

I respectfully request a detailed explanation for the hold placed on my business checking account and the steps required to have it removed. The continued restriction on my funds is causing considerable strain on my business, and I would like to resolve this matter as promptly as possible. 

Thank you for your attention to this urgent issue. I look forward to your assistance in facilitating the removal of the hold and the release of my funds. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our payment forXX/XX/XXXX was not paid inXX/XX/XXXX However, in XX/XX/XXXX we paid bothXX/XX/XXXX and XX/XX/XXXX payments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX I pulled a credit report with all 3 Reporting Agencies and GM Financial has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX. I called GM to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to GM Financial chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for our GM Financial account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXX to be 30 days late. We have been current on our loan sinceXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to request a 1099-C form and to update the status of the charged-off account associated with the following information : Creditor 's Name : Apple Card/GS Bank USA XXXX XXXX XXXX XXXX I understand that the debt associated with this account has been charged off, and I am aware of the tax implications of receiving a 1099-C form. As required by the Internal Revenue Service ( IRS ) regulations, creditors are obligated to send this form to taxpayers when a debt of {$600.00} or more is canceled or forgiven. 
I kindly request that you provide me with a copy of the 1099-C form for this account as soon as possible. If there is any additional information or documentation required from my end to process this request, please do not hesitate to inform me promptly. 
In addition to the above request, I am also writing to inform you that this account is still reporting as open on my XXXX credit report, with a credit usage of 285 %. I have attached a copy of my XXXX credit report for your reference. 
I understand that the account has been charged off, and I am no longer able to use it. However, the fact that it is still reporting as open with a high credit usage is damaging my credit score. 
I am requesting that you please update the status of this account on my credit report to reflect that it has been charged off. This will help to improve my credit score and make it easier for me to qualify for loans and other forms of credit in the future. 
Thank you for your time and attention to this matter. I look forward to receiving the 1099-C form and to having the status of this account updated on my credit report. 
Sincerely, XXXX XXXXXXXX XXXX XXXX  XXXX Credit Report
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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n 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 its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to request a re-investigation based on new evidence of updates regarding a XXXX XXXX account reported on my TransUnion credit report with a balance of {$460.00}. The account is also listed as a charge-off, which raises concerns about the accuracy of reporting a charge-off status alongside an outstanding balance. If the account has been charged off, I question why a balance is still being reported. This inconsistency suggests that the information on my credit report is inaccurate, which is negatively impacting my credit score. I am challenging the accuracy of the recently updated information, including the charge-off status, balance, payment history, payment status, last payment date, and any other related details. These discrepancies require further investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a re-investigation of any disputed information, especially when new updates are involved. I ask that TransUnion verify the accuracy of all details related to this XXXX XXXX account. If TransUnion decides to maintain the account on my credit report, I request a detailed description of the procedures used to verify the accounts accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and include any supporting documentation from XXXX XXXX, such as payment history and account statements. If the information can not be verified or corrected to accurately reflect my account history, I request that the account be removed entirely from my credit report. Thank you for your prompt attention to this matter, and I look forward to your response within the 30-day period stipulated by the FCRA.
Product: Student loan

I have been steady paying back my student loans after they defaulted because of my old financial situation. however i got on a repayment plan and have been paying the loan back through a repayment plan for XXXX every month since XXXX of XXXX this has not been reflected on my report whatsoever. the same company which is sallie mae has the account although it has a status of charged off. If possible i would like the report to be wiped clean off my report or at least have them report my on time payments since XXXX of 2019
Product: Checking or savings account

I have a savings account with Bank of America with my Mom. She has a separate bank account which I would handle for her because I have Power of Attorney for finances and healthcare. My  Mom passed away in XX/XX/XXXX. I talked to the bank and I had questions on the paperwork they sent me. My Mom has no estate. I received her bank statement yesterday, XX/XX/XXXX, and they are charging my Mom maintenance fees now that she has passed. I called and tried to get these fees removed today, but I was transferred around, put on hold for half an hour, then spoke to a man who said he couldn't help me. I told him I would report him to you and he did not care. My name is on this checking account as heir in case of a death. I am on a savings account with my Mom. I have checking accounts with this bank too. I am seriously considering closing these accounts based on the treatment I have received which is unacceptable.I need to get the fees removed and this account closed. Bank of America has not been helpful through this whole process when I am going through so much grief. I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Equifax. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a Discover Card Acct in my name. I 've tried to get this resolved and reported as fraudulent but to no end. What makes no sense at all is that, this is the 2nd card that was opened in my name and written off through Discover card. How is it even possible to to that?
Product: Student loan

Northstar Location Services , LLC has resurrected a XXXX year old collection account that was written off by XXXX 9 years ago. It was also disputed with XXXX two years ago with CFPB ( Case # XXXX ). XXXX XXXX XXXX and XXXX XXXX XXXX wrote this debt off and deleted it from my credit report. This debt/account ( see attached document ) is over 9 years old. I have not had any communication from XXXX XXXX since filing bankruptcy in XXXX 2007 and XXXX XXXX. XXXX. since they informed me that they were writing it off and deleting it from my credit reports. I have not and do plan on reopening a closed old account with NorthStar collections. I have not contacted them. I have only received these letters and occasional phone calls which I do not answer.
Product: Credit reporting or other personal consumer reports

I recently check my credit report and across all 3 major bureaus, unauthorized inquires are there. They are affecting my abilities to obtain additional funding and advance economically. I have reaching to each bureau and give excuses as to why these inquires can not be removed. Here is a list of the companies and dates of the inquires that need to be removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account XXXX : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX and has publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties in which are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$13000.00} {$13000.00} {$13000.00} No. of Months ( terms ) : 72 72 72 High Credit : {$17000.00} {$17000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$13000.00} {$13000.00} {$13000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Merchandise was taken back by credit grantor ; there may be a balance due. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I recently reviewed my credit report and found inaccuracies regarding an account with XXXX XXXX ( Account # XXXX ). Specifically, the Date Closed listed for this account is incorrect. Additionally, I do not recall opening or authorizing this account, and no verifiable proof has been provided to confirm its validity. 

I contacted the creditor directly to request verification of this account, including any signed agreements or contracts, but I have not received any such documentation. Because the information remains unverified, this account is negatively affecting my credit report and ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that the information reported is accurate and verifiable. Since this account has not been positively verified, I am requesting its immediate removal from my credit report.
Product: Vehicle loan or lease

In XXXX of XXXX I re-financed and paid the car off to Exeter finance. They lost the payoff check. When found it was past the payoff date. I had tracking to prove that the check was received on XX/XX/XXXX before the payoff date of XX/XX/XXXX. A supervisor approved waiving the difference in the payoff/interest because they had misplaced the check. 

Fast forward to this year, XXXX. I am selling the car and no longer need the extended warranty. XXXX messed up and sent the refund to the old lienholder, exeter. Exeter is now taking out the amount they waived last year from this check they were never supposed to receive. They are also holding the check for a month before sending me the remaining balance. All phone calls and interactions have been recorded and they keep changing their story and now they claim they never lost the check last year but as a courtesy they waived what they waived but its their policy if they get money to unwaive anything they've waived. 

Unethical and Illegal. They were not supposed to receive it in the first place, the car and account has been paid off for over a year.
Product: Checking or savings account

Key bank closed my business checking account for unauthorized use and transactions from my personal accounts and business and written numerous letters x emails about the transaction dispute and requesting total refund balance and account open due protected laws of the consumer
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 accounts 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. 
XXXX XXXX XXXX : {$82000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX Balance : {$140.00} XXXX XXXX
Product: Credit card or prepaid card

XX/XX/20 XXXX Bank of America After standing outside in line for half an hour, from XXXX until XXXX I entered the Bank of America XXXX in XXXX XXXX , CA to withdraw money from my Unemployment Debit Card issued by Bank of America . 

A lady ran up to me and told me to leave the bank immediately. She sneered at me " You can't just go in there! There is a line! '' I pointed at the safety markers and explained that there were 3 empty safety markers for me to go to since I was behind the customer in front of me. She asked to me leave the bank. I started to leave and then said but I've been standing behind that lady for half an hour in line. I asked the XXXX  customer in front of me if anyone said anything to her when she went in line. No one said a word to her. 

I was then berated and yelled at by a teller named XXXX who told me " You should just go to your bank! Whatever you are trying to pull here but you don't have an account with Bank of America. '' I asked : " What do you mean " whatever '' I am trying to pull here. I have handed you my Bankof America card and my driver 's license and you are yelling at me and being hostile. '' She told me that I was not a Bank of America customer and that I needed to go find another bank. She specifically said : " There are a bunch of banks around here, if you need to withdraw money you should be doing it at your own bank. '' Then I said ; " Wow this is the most hostile enviroment for a bank that I have ever experienced. '' Then she said : " What did you say! You shouldn't even be here! '' So I asked to speak to a Manager and she just rolled her eyes and sat there for about 3 minutes refusing to get a manager. I had to ask to speak to a Manager 5 times to get her to begrudgingly get a manager. She then told the Manager right in front of me : " This lady just wants to complain. '' Earlier when I asked to convert the $ XXXX plus account to a BofA account, she said that I needed to just " go back to whatever bank you go to and they can withdraw all your money and put it into that account ''. 

I repeatedly asked her to stop being so rude and hostile to me. I was shaken and teary eyed by the time that I spoke to the Manager. I have never received such hostile treatment and refusal to open a new account for a customer holding a BoFA debit card with a BofA account that gives me a statement every month. 

I wish that I did not have to mention that I am XXXX but I am. And the way that I was spoken to and treated was deplorable. The entire experience has left me shaken and wondering if it is legal to discriminate against and be abusive to customers. 

The Branch Manager was very apologetic and seemed sincere. She however explained that the BofA EDD debit cards are not real accounts but also did not offer to ipen an account either. 

I went across the street to XXXXXXXX XXXXXXXX  and they gave me a cash advance and offered to open a bank account for me immediately.