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

On XX/XX/XXXX around XXXX I went to PNC to deposit XXXX cash into the ATM at the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX Pa when my transaction got denied. When it got denied the screen prompted that XXXX dollars exceeded the daily limit amount. It then prompted if I wanted to try another amount. I selected XXXX dollars expecting the ATM to give my XXXX dollars back however it did not. I immediately went into the bank where the banker took me into her office and made a phone call to headquarters to file a dispute. While very upset I explained to them I have rent to pay. My rent is due and if I dont get it payed I will get evicted. They told me that it would take 10 bussiness days to go onto my account however I am a mother of XXXX kids including a newborn child and I can not be without a house to live in. They understood and the person on the phone said that he would escalate it to the manager. After escalating it to the manager they informed me I would receive an immediate provisional credit within 1-2 bussiness days. However after reviewing my account it was never credited to my account like they had said. Now I am left without money to pay my rent and could be evicted with my XXXX children. For being a big bank corporation you would think they would have credited my account right away being the circumstances and being that the banker even saw the atm malfunction. Also being that I was told by someone in the branch that a few days before this had happened to another client and she was credited her money within a day. If this money wasnt such a big amount and was not for my rent it wouldnt be a big deal but for being a mother of XXXX young children and having a XXXX I need this money so my children have a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality act 15 usc 1681 Account : XXXX XXXX  # XXXX Account : XXXX XXXX XXXX # XXXX Account : web XXXX XXXX XXXX # XXXX Account : XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX dept of ed # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX # XXXX Has violated my rights. 
15 u.s.c1681 602 section states I have the right privacy.

15 u.s.c1681 section 602 A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, any than records of convictions of crimes witch antedates the report by more than 7 years 15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer by any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Medical bills from XXXX XXXX stop coming in for XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, I assume bill was paid by insurance company due to no statements was received of balance owed.I was checking my credit report in XX/XX/XXXX and found collection company on my report, I have no never hear of this company nor have they reached out to me via phone call or mail my phone number my address have not changed. I call the hospital made agreement to make monthly payments over the phone I have been making monthly payments on line each month to the hospital and not the collection company, payments was made in XXXX, XXXX, XXXX, XXXX and XXXX. The collection company is showing no payment for XXXX, XXXX, XXXX, XXXX & XXXX, My account was turned over to collection, but XXXX XXXX stop sending monthly statements and the collection agency never contact me. Wow what a way to mess up a person credit. no contact with customer they just added a claim to my credit report faulty. I have wrote several letters to the credit report companies trying to stop the collection nothing has happen I need your help please!!!
Product: Debt collection

After XXXX disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want XXXX and the original creditor to have. It's XXXX job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.
Product: Student loan

My previous spousal consolidation loan servicer gave me bad information and made recommendations that have cost us XXXX XXXX XXXX of dollars in compounded interest. I was given bad information about my eligibility for PSLF as the holder of a spousal consolidation loan. Initially, we were encouraged to join the income-based plan because we were told we were eligible for PSLF. This was not true.

At the point where I thought we would have been eligible for forgiveness, I was then told that only payments made while both my spouse and myself were both employed full-time in public service could count towards forgiveness. So we were told to remain in the income-based program. This also was not true.

When I again tried to apply for PSLF, I was told that we did not have an eligible loan type and that my servicer was not participating in the PSLF program. I was told my loan would be sent to another servicer who was participating. Now Navient is my loan servicer. They have provided the same bad information.
Product: Credit card or prepaid card

Citibank dba Citicards RETALIATED against my filing a complaint ( COMPLAINT ID XXXX ) recently against it with the CPFB. Citi has blocked me from making a payment online. Each time I have tried to pay, a message comes on stating " This is unexpected Looks like we're experiencing a temporary technical issue. Please try again later. '' Later never comes day after day. Citi has purposely made it impossible for me to make payments, as I have done in the past, online. This is another corrupt way to obtain late fees by Citi, while punishing consumers for filing complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union over and over again at the end of XXXX and now going into XX/XX/XXXX on the same matter- all collection accounts are paid, credit cards on a monthly basis are paid in full and I still get a poor credit score claiming the following reasons reported to credit wise : medical debt? - never had medical debt on my credit report, oldest credit card is XXXX years old? - not sure why this would be up there? credit usage - again paid off 100 % at the end of the month when due to score points/dollars according to the credit card I signed up for. 

Trans Union continues to score me at below average on credit used, recent inquires? new accounts? and available credit average. 

Not only did I get a recent credit report that cut off 10 pages of data, but the claim in their letter to me they take matters like mine serious ; y. REALLY???? 

If you have them pull a credit report and send me again, it will be riddled with errors and continue to keep my credit score at an all time low. 

I have been working on this since XXXX, reviewed my credit with an attorney who advised me what to do, and still they are not taking action to clean this up and move forward. 

They are causing me to hold off in getting a mortgage, qualify for poor interest rates on car loans, etc. 

At this point, I would like to have Trans Union compensate me for all the troubles with them in the last 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/2020 I contacted Comenity Bank to find out why my Victoria Secrets account has not been updated based on my XXXX report, which shows the last update was done on XX/XX/2020. After speaking a Customer Service Rep, I ask to speak with a Supervisor, the next voice I heard was from XXXX, Supervisor. 

I told XXXX of the issue I was having with Comenity Bank, I also asked what information does it show in my account as far as the last date reporting to the Credit Bureau. XXXX informed me of the same XX/XX/XXXX date, and in order for this issue to be resolved, I had to send a request for someone to look into this situation from a different department and that could take up to 5 business days. 

I'm a little confused, XXXX confirmed the information in my account should have been updated at least by now, however, I still need to send a request to have this looked into. I told XXXX this is a waste of my time and that Comenity Bank dropped the ball in sending over accurate information to all 3 Credit Bureau in a timely manner.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally report an issue I am experiencing with XXXX 's credit card and their reporting system to the credit bureaus, which has resulted in a significant and unexplained drop in my credit score. 
Details of the Issue : 1. Credit Score Impact : On [ insert date ], I received a notice from the credit bureau that my credit score had dropped by XXXX points overnight without any prior warning or notice. This sudden drop is highly irregular and concerning. I have never received a statement or a bill for this account and that is why it has not been paid in a timely fashion. 
2. Account Confusion : XXXX 's informed me that I had opened the account in XX/XX/year>. However, I distinctly remember opening an XXXX XXXX XXXX in XX/XX/year>, not a XXXXXXXX XXXX card. I understand that XXXX XXXX does not have a card bearing XXXXXXXX XXXX name. It seems XXXXXXXX XXXX may be converting some accounts from XXXX XXXX to XXXXXXXX XXXX without consumer consent or approval. This is deceptive and potentially illegal. 
3. Penalty Charges : XXXX 's charged me over 50 % of the due amount, labeling it delinquent for being over 30 days late. This penalty is excessively high and unfair, especially since I did not receive any bill, notice, or warning. 
Request for Resolution : I have always paid my dues on time and maintained an excellent credit score ( over XXXX across all three credit bureaus ). XXXXXXXX XXXX actions have unjustly impacted my credit standing. I respectfully request the CFPB to : 1. Investigate XXXX XXXX credit reporting practices, especially concerning the sudden and unexplained drop in my credit score. 
2. Ensure that my credit score is restored to its previous excellent status. 
3. Address the unfair penalty charges imposed by XXXX XXXX for the alleged late payment. 
This situation has caused me significant distress, and I hope for a fair and just resolution. I appreciate your assistance in this matter. Thank you for your attention to this serious issue. Please contact me if you require any additional information. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian notified me yet again about dispute that I can see online which is a LIE and when I call and tell them I am also recording the conversation again the none XXXX speaking person HUNG UP
Product: Debt collection

Levy & Associates , LLC who represents XXXX XXXX filed a garnishment with XXXX XXXX XXXXXXXX XXXX XXXX the information was sent to an old address and I didn't receive it to way after which caused me to be unaware of an court hearing to contest to the garnishment or discuss options, this is for a vehicle that was repossessed that credit acceptance sold for a low amount at auction and sued me for the remaining balance, I spoke with Levy to see if we can lower the garnishment because I am a single parent and trying to maintain my current bills such as rent, utilities that I'm currently past due on due to the garnishment, Levy sent me an agreement to sign back in XXXX to lower it from 25 % to 15 % and also on the agreement it said I would be refunded due to the adjustment % and nothing has been done, I even checked the court docket and they haven't received the update from Levy, this has now caused me to be further behind on rent and is now facing eviction, which is goin to force me to file bankruptcy because I can't afford to pay rent due to the almost {$600.00} in garnishment every month, which is way more than my original term auto loan contract with credit acceptance, ive tried several times to contact Levy and left message ans no return phone calls,
Product: Credit reporting or other personal consumer reports

National credit systems ( XXXX XXXX XX/XX/XXXX amount XXXX company has not done anything XXXX XXXX XX/XX/XXXX XXXX A special investigation was allegedly started with the name XXXX XXXX I haven't gone by that in XXXX  years XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX in the amount of XXXX is also a rental /leasing account company had no identifiable information )
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX 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 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. 15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under SECTION 1637 ( B ) ( 10 ) OF THIS TITLE a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under SECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against 3 credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$5100.00}.
Product: Checking or savings account

I had direct deposit into this account for over XXXX years I deposited XXXX good check and they both were cleared after XXXX days and nite sitting in the account all of a sudden they froze my access to my account for about XXXX years thin they went into my account deducted XXXX dollar from it when there was a total of XXXX over the years while interest grew XXXX turned into XXXX I called to confront who ever is taking funds from my account witch is a violation of there contract. I did not authorize anyone to touch funds from my account that is foul in so many different ways I need my XXXX now I'm about to seek legal help from an attorney I'll also include consumer finance wasn't much help because the bank just laughed at their request like they been doing me for years
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXXXXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX XXXXXXXX brought the debt from XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not be reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX XXXX to provide me the direct contract between them and XXXX XXXX showing that the are authorized to collect for XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or way to out of XXXX XXXX XXXX and Experian reporting this to my report.
Product: Credit reporting or other personal consumer reports

XXXX  installments filed a small claim against me in the state of Georgia. The judge has ruled and closed this case in my favor. I demand that all these accounts are removed and deleted. I will have documents attached from the judge. Thank you! 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX FIRST XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX SXXXX XXXX  # XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX that has been caused. My information was also impacted in the Equifax Data Breach and may have gotten into the hands of the wrong person.