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

I opened a checking account with First Tennessee Bank on XXXX17 with a deposit of {$300.00} and had my first direct deposit on XXXX/17. It has been over the six week mark since I met the requirements to receive the stated {$250.00} bonus. Would you please see to this matter? <P/>I have contacted First Tennessee Bank via email about this situation, but did not recieve a response.
Product: Checking or savings account

Hello My citi bank regular checking account ending in XXXX and my accelerate savings account have been closed since XX/XX/year> and I was told directly by citi bank XXXXu mail that I would receive my funds that were left on my closed checking account by mail via check within 60 days of my account closure. The letter I received from citi bank stated my account was closed XX/XX/year> and within sixty days from the letter I got they would mail me a check for the amount of funds that were left on my closed checking account. It is now XX/XX/year>. It has been almost 90 days which is way over 60 days since my account was closed and I still havent received a check in the mail from Citibank for the funds I had left that were mine on the closed checking account. I filed a complaint with cfpb in XXXX of this year for the same exact issue and Citi bank responded with a letter saying that any funds left on the closed account will be mailed out to my address on file within 60 days from the account closure letter they sent to me. the claim was then closed after citi bank responded and I waited over sixty days and my check was never mailed out to me. I believe I had around {$140.00} - {$180.00} still left on my account when it was closed by citi bank on XX/XX/XXXX, It has been so long I forgot. I am filing this complaint again because I want citi bank to mail me my check like they said they would for the funds that were left on my closed Citi regular checking account. They promised they would mail me a check with my funds within 60 days and they didnt! I want my money that belongs to me! Ive been waiting patiently for almost 3 months and my check was never mailed to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. 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 reseller.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am verifying that I, XXXX XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX, account number XXXX. Credit report XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX [ If you have a lawyer, state that you have legal representation and provide that persons contact information ] As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I contacted Experian several times regarding hard credit inquiries on my credit report dated XX/XX/XXXX, beginning on XX/XX/XXXX, and the last attempt on XX/XX/XXXX. The option to dispute hard inquiries on a credit report is unavailable online ; therefore, you must call them directly. During my conversation with a representative, XXXX, on XX/XX/XXXX, he informed me that he could not enter a dispute and I should try contacting each company directly. This is contrary to what I was told each time I contacted Experian to find out the status of the dispute. Also, due to these hard inquiries, a Fraud Alert has been added to my account. The only companies that were authorized to pull my credit report were : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I asked to speak with a supervisor. However, I was left on hold without any further conversation or resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. XXXX now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from fed loan servicing where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from XXXX to XXXX but my balance with XXXX never went down. I called XXXX and XXXX numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to XXXX I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or XXXX as to what they are doing with any of my accounts. XXXX has not subtracted the amount that XXXX has discharged and they have taken more from XXXX. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
Product: Student loan

I was contacted by Doan Solutions by a guy names XXXX XXXX. As of the date XX/XX/XXXX I have paid {$450.00} to have my loans consolidated by this third party that seemed to know how to get me into a forgiveness program with fed loan. For the last month of XX/XX/XXXX I had an automatic payment set in place for XXXX $ to be taking every Friday up until past XX/XX/XXXX. I was told by XXXX XXXX Agents that I could have did the processing myself free of charge. All services are free of charge through XXXX XXXX & Department of education through the XXXX   college I went too. ( XXXX XXXX College ) I dont know how they came across my information but they got enough money from me for services that are free. XXXX told me that the total amount to get my loans out of default & into a payment plan it would be a total amount of {$690.00}. I have stopped making any further payments from this third party but would like my money back.
Product: Debt collection

I've been receiving calls so many calls that I had to mute my phone to be able to work or sleep, that I decide to call back to explain that they have the wrong number. 
Ive reach costumer service 3 times and explained they have the wrong number ; In the last call I confirmed that I owned this number for almost 2 decades, I told them only my first name and what state I reside in, asked for them to remove my number from their call database and if it did not stop I would file a complaint. 
I blocked some of their numbers but the text messages started, now my phone is muted except for my emergency contacts, but I need to receive calls for work and personal live. 
The company is XXXX, their text number is XXXX costumer service XXXX Other numbers that might belong to them : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, US DIST CT account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX  XXXX account XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX account XXXX has violated my rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was charged XXXX on the XXXX of XX/XX/2022 lexington law took my money they said no payment until they fixed my situation I told them I was mislead they were rude and mocked me I just qant what wasl promised
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681c- ( a ) ( 4 ) Except authorized, NO CONSUMER REPORTING AGENCY may make any consumer report containing accounts placed for collection or charged to profit and loss. I have the list of Accounts that I will post here! ( XXXX XXXX  XXXX account # XXXX but for XXXX showing account # XXXX which is also INACCURATE REPORTING ) I am Attaching identity and proof of address.
Product: Student loan

I am on a  Rate Reduction Plan for my private loans through Navient. I have done everything I can to make payments ( why I got on the Rate Reduction  Plan ). I called them and we ( me and a Navient rep ) set up the plan. They were to deduct so much money on a certain day of the month. I continue to get phone calls every day because they are not pay attention to the account. I DO NOT owe any more money than what is being deducted from my accoun t 1 ti me a month. They have called me so far in the last 2 days upward of 7 times a day. I am not behind on my payments, it was taking out on the  XXXX , which is the date I wanted them taken out. This is not my fault they can not communicate between each other. I did my due diligence and called and was put on the program. This is harassment and has to STOP!
Product: Credit reporting or other personal consumer reports

Around the beginning of XX/XX/2024 Zelle Wholly owned by Early Warning Systems Inc, Suspended my Zelle profile with every financial institution. There was no reason or explanation as to why my Zelle Profile was Disabled with my Banking institutions. After further investigation it it appear that XXXX XXXX opened fraudulent account 's a XXXX XXXX, Savings, and Checking. XXXX XXXX also opened an online banking profile, and Zelle Profile. I called XXXX over XXXX Times, and Advised them. First of all I have never applied for any of the account 's listed above, I have never signed any applications and these were fraudulent account 's. I have asked XXXX to Deactivate the Zelle profile as It was opened as part of Identity Theft, XXXX refuses to deactivate the profile and said they are investigating it. Meanwhile, XXXX reported FALSE information to Early Warning stating that I may have used Zelle for a fraudulent transaction or for illegal purposes. Which means you may have used it for XXXX XXXX Or If one of the Zelle transactions has been used for Gambling Purposes, Or If a Zelle Transaction has been used for a scam or if it has been reported as Fraud by the receivers bank for any transaction sent. None of this has occurred. I never have disputed any Zelle Transactions, I have never used my Zelle for any Illegal Purposes, Nor have I violated any Zelle Terms or Conditions. I only use Zelle for paying my family for Tips or splitting the bill if we are out to eat. I do not send ZELLE to anyone I do not know, and nor have I ever disputed any Zelle charge. Fraud nor Dispute. Yet due to XXXX INACCURATE LIES And reporting, Early Warning Systems put a suspension on my Zelle Profile globally, Like a Black list of sort. This is causing me Financial HARM. Again, I have never disputed a single zelle charge, and I have never used it fraudulently. XXXX is my actual bank and it was disabled. XXXX says they can not assist me, Because they did not report any information about me to Zelle. XXXX Did, I am now requesting A Dispute to the reported information from XXXX. I want my Zelle Profile Reinstated with Zelle. I am submitting my Dispute to the reported information. This information that was reported from XXXX Is false and Inaccurate, and It has caused Zelle to take a Global approach to Suspend me as a customer based on false pretenses. I am a victim of Identity Fraud, and I did not committ any fraud against Zelle. I did not use Zelle to infringe upon any of their terms and conditions either, and I have never used zelle for a fraudulent purpose. I read the terms and conditions and I want to be removed from the false reporting by XXXXXXXX XXXX  XXXX.
Product: Debt collection

The below acct has been settled long time ago with XXXX. 
Portfolio Recovery has been harassing me again for this debt. 

XX/XX/XXXX Authorization to XXXX XXXX XXXX, XXXX XXXX, NY, Completed Details - {$250.00} USD Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XX/XX/XXXX Authorized Amount : - {$250.00} USD Authorization Date : XX/XX/XXXX Time : XXXX PDT Status : Completed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Portfolio contact : XXXX XXXX Some company called XXXX sold this already settled Debt ... .all proofs attached. 
There is also another case XXXX with CFPB ... .keeps on sending notices ... 
This has been paid by XXXX debit ... ..snapshot available ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, Thank you for taking the time out of your day to read this letter. My name is XXXX XXXX and I am requesting a goodwill adjustment to remove three closed accounts from my credit reports. 
Im writing this letter because back in XX/XX/XXXX, I was fired from my job due to my employer firing me because I brought up that they were miss paying me. I was a full-time employee working 40 hours each week, I got paid every 2 weeks, but my paychecks were only for one week of work. For two and a half years this was happening to me, I was getting missed paid. I brought this to their attention, and I was fired because of it. Before this happened, I never missed a Credit Card payment, my credit score was great and was saving for my future. 

When I lost my job I still needed to pay my bills and I got myself into debt {$11000.00} with three different accounts, ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) I do understand that I could of handle the situation better and I do take full responsible but at this time was XXXX years old and was the sole provided for brother and sister who was living with me and still in high school. As soon as I was aware of my debt and I knew I couldnt handle it on my own anymore I enrolled in a debt relief program back in XXXX of XXXX, to help me get a grip on my payments. I completed the program as of XX/XX/XXXX never missing a payment, paid my debt back and got back in a good place with my creditors by opening a new credit card with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and never missing a payment. I also was able to get an auto loan with XXXX XXXX ( XXXX ) back in XX/XX/XXXX and paid in full back by XX/XX/XXXX. 
I have tried everything to fix my credit, but it seems like I am stuck and must wait 7 to 10 years till they are removed from my report. I am almost XXXX now and trying to buy a home and start my own family but I keep running into issues because of my credit report and score. The negative impact of these accounts could result in a denial for a loan or a much higher interest rate that could cost me a significant amount of money. If you could make the goodwill adjustment requested by removing the three closed accounts from my report, I believe it will significantly improve my chances of approval and save me unnecessary costs in the process. 
Thank you for your time and consideration. 

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

On XX/XX/year> I purchased a XXXX from XXXX XXXX for {$5100.00}. They took that payment on that date. They shipped the XXXX on XX/XX/XXXX. It arrived and was delivered on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX charged me again {$5100.00} for the same XXXX. I proved to Bank of America through multiple screenshots that I paid an alternate way for this XXXX  and that XXXX XXXX had charged me twice. I opened a dispute for the charge and unfortunately, despite the irrefutable proof, Bank of America decided to decide with them withdrawing my account - {$5100.00}, Bank of America then allowed my account to overdraw up to {$10000.00} in the negative, I had rectify this myself, but I left the negative balance for the XXXX XXXX charge because it was not authorized. Since this account was negative, and I told Bank of America, I was going to go through the consumer protection bureau because they were given proof that I paid an alternate way and decided to take that money from me, this morning I woke up and found that Bank of America had illegally against FDIC regulations and against consumer protection fraud they took {$1200.00} from my other account without my authorization without my permission and without any type of overdraft protection plan, on XXXX XXXX took that money and put it toward the negative balance in the other account with the arbitration still open. It is against the law for the bank to decide just to take money out of XXXX account and put it in the other at their own volition on any day they decide. This did not create a XXXX dollar balance in the other account nor did it have any other reason for being done except to leave a XXXX single mother with XXXX dollars in her bank account on XXXX XXXX. This bank is sadistic and uses fraudulent practices. Bank of America will be sued. I put in the complaint for them to reverse it and XXXX people told me that they were not going to do that because they were owed the money on the other account. I proceeded to tell the supervisor that not only was it illegal against FDIC regulations and against consumer fraud, but they were breaking the law and the person in the back office who completed the transaction was being sadistic and vindictive for me having the negative bank account just because I had some money to pay my bill bills in an alternate account. They still have yet to fix the XXXX XXXX issue. They decided in XXXX XXXX favor, despite being given proof and I want that reversed. I want that decision to be reversed and I want the {$5100.00} to be taken from XXXX XXXX because they were paid twice, I want to put back into my bank account, and I will be leaving all of my accounts and closing everything with Bank of America due to their fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from Kay jewelers is still reporting on my credit report. The account is closed with a XXXX   balance and I have attached proof. I had to call the company on XX/XX/2020 to get this letter that the account is paid in full and there is no balance to report and the account is not open. Ive tried to dispute the account but have had no luck.
Product: Debt collection

I moved from XXXX ( apartment complex ), XXXX Texas and wrote a check for the amount of {$130.00} on XX/XX/XXXX. Check # XXXX was cashed on XX/XX/XXXX. I was turned over to collections in error by the leasing company. I was not notified that I was turned over to collections until I applied for a credit card in XX/XX/XXXX and I contacted the agency and they said, yes I had collections with them. However, I was never called nor notified via mail about this debt that I did not owe. I had discussions with the collection agency that this was in error and then I called leasing company and they stated they would send the appropriate documentation. I then followed up with the collection agency in XX/XX/XXXX. Instead of deleting the account, it was closed as paid in full, but I never paid the collection agency any funds. So why would it state " paid in full ''? It was discussed in XX/XX/XXXX that the account would be removed from my credit history with the collection agency. When I applied for a car in XX/XX/XXXX, this still showed on my credit report and credit agency refuses to remove this. I have sent documents to them twice indicating that I never should have owed those funds.