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

I went into the Huntington Bank XXXX Illinois location to withdraw cash from my checking account. I was told they dont have that large of an amount, {$8500.00} and teller insisted that I go to another branch or she will order it and have it available in a couple of days ; alternatively she suggested withdrawing less money, {$4000.00}, which I agreed to. I was asked for my state/government Id, which I provided a state of Illinois Id. Teller refused to accept As it had expired in XXXX. State of Illinois extended the expiration renewal date and is public record listed on the Secretary of State website. She refused it and proceeded to ask for another state or government Id. I provided a FOID issued by the state of Illinois, which after several minutes was returned as she claimed she did not know how to enter into their system. She then asked for another government id. I provided a global entry card, issued by the Department of Homeland Security. Teller told me she was unable to withdraw my funds since I dont have a valid drivers license, and at my request called a manager. Manager acknowledged that the Illinois Secretary of State has extended the is expiration but was only through XXXX. The branchs inability to keep up with public notices of identification extension, inability to accommodate for any other id aside from a drivers license, and in turn withholding of my funds when several identification means were provided is abuse of their role as a financial institution, it is unacceptable business practices and consumer discrimination.
Product: Student loan

The loan was XXXX in a bankruptcy on XX/XX/2022. The lender transfered to loan to a 3rd party ( XXXX  ) for processing during the bankruptcy and the full amount of {$75000.00}. The 3rd party applied the payment to the Nelnet account. What Nelnet is claiming is that they have accrued intrerest or {$18000.00}, even though the loans were dicharged by the bankruptcy court. Since that time Nelnet has made me pay {$1900.00} on this loan to date and will not honory the bankruptcy discharge. My bankruptcy attorney has told them that the loan was discharged, but they are still claiming the interest on a closed account. Can you pleast help
Product: Debt collection

Hello, On XX/XX/26 I sent a letter to XXXX & Radius ( see attached ) to " no longer hear any more communications about this debt. '' However, I received another letter in the mail regarding accounts XXXX & XXXX. 

It's truly sad how I can't seem to talk to anyone who can actually help me and any responses I receive what seems to be like a copy-paste bot who lacks any reading comprehension. 

XXXX calls me with an agent who has to look up in their systems as to why they are even calling me in the first place wastes a whole bunch of time just to tell me they cant help me. 

I'm going to continue to file complaints and leave negative feedback for each communication I receive moving forward.
Product: Credit reporting or other personal consumer reports

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

I recently filed a dispute with XXXX regarding my personal information. I requested the removal of an incorrect address from my credit report due to inaccuracy. To support my request, I provided my correct address along with a copy of my drivers license and a utility bill. However, I received an email stating that the address had been updated rather than removed because additional supporting documents were needed, despite the fact that I had already provided them. I have not been successful in uploading the documents to the website as well. The FCRA The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) is the federal law that governs credit reporting agencies and requires them to remove inaccurate or unverifiable information from a consumers credit report. Please removed the disputed information from my credit report. Report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer law has been violated in accordance with15 U.S.C ss 1681s-2 ( B ), by continuing to furnish inaccurate information to my credit file after I have brought to their attention the inaccuracies of the information reported on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL THREE CREDIT REPORTING AGENCIES repeatedly claimed verification of the account when its the accuracy that is in question. I will hold XXXX, Trans Union and XXXX liable for reporting this inaccurate account and pursue damages as permitted for violating my rights after I have bought the inaccuracies in detail to their attention. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Debt collection

My wallet was stolen and my identity has been stolen. The accounts that I do not recognize and that arent mine are listed below : Amsher Collection Serv Reported On : XX/XX/2021 Account Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

I spoke with a representative at XXXX because person by the name of XXXX called my XXXX year old mother and asked if I live there. My mother, who has XXXX, said yes and he gave her his information to call him. He called XX/XX/XXXX to tell my mother I had an outstanding debt of {$110.00}. When I got home one night at the beginning of the month she stated that she gave someone her credit card to pay this debt. I did not put two and two together till this morning. When I contacted them at XXXX and requested XXXX , a young lady answered the phone and when I explained the situation and she could not help me I asked for a supervisor. It was at this time I realized what was happening. This supervisor by the name of XXXX, XXXX??? I 'm sorry I ca n't remember ... maybe XXXX or XXXX ... she told me that she spoke with me, on XXXX XXXX, and I told her that she should call my mother, I apparently gave this debt collector my XXXX year old mother 's name and she would pay the bill. It was then I realzed my mother gave them her credit card number to pay them XXXX on XXXX XXXX. I never, ever spoke to this women and I believe they lied to her, scammed her and here we are today. I can pull my phone records to prove I never spoke to this supervisor. I can also tell you the young lady I spoke was XXXX and the other rep was XXXX and I know XXXX knows the supervsors name. The reason the debt was never paid on XX/XX/2016 is because my mom must have transposed a number because the pmt did not got through. They sent me an email saying they had a problem with the card however I deleted it because I had no idea what they were referring to until this morning when I put it all together..NOW THAT 'S KARMA..just saying ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : # : XXXX XXXX Account Name : # : XXXX XXXX Account Name : # : XXXX child support have 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 an 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.
Product: Checking or savings account

CFPD please note of this legal document for your government records regarding Wells Fargo and XXXX and myself, XXXX. XXXX XXXX XXXX former document marriage certificate supplied to XXXX/ XXXX Wells Fargo Branch 3 times. Please investigate who these XXXX individuals are. Are they legitimate individuals involved in my court ordered XXXX XXXX from Wells Fargo? The individuals, emails and phone numbers are invalid. 
Also, please confirm with Wells Fargo Executive Office my signature of withdrawal from the XXXX XXXX ordered settlement. I never withdrawled. I request a legal document with my signature of closing my interest in the XXXX XXXX. Please note according to the individual, XXXX XXXX, I can open at anytime my file, which I have had NO INTENT of closing even to this day. This person does not exist on the legal document provided. Also, does the mediator XXXX XXXX XXXX exist? Is she licensed? Do these individuals have licenses? Please send their active licenses. 
Please make Wells Fargo Executive Office accountable to the legal document that XXXX " XXXX XXXX '' sent to my address on the letterhead. 

Please advise the Settlement Administator in XXXX MN. of this unwanted activity against me. Please advise XXXX XXXX of this evidence against XXXX XXXX of this unwanted activity. 
Please advise XXXX XXXX XXXX XXXX Case Specialist that this legal document exists and I have not received my XXXX XXXX ordered check settlement Please provide my withdrawl signature, or locate the individual who claims to be a licensed XXXX employee ( XXXX XXXX ) that stated, " I can open something I did not close in the first place. '' Thank you CFPD! 
Attn : Wells Fargo Executive Office. 
XXXX XXXX XXXX
Product: Other financial service

After speaking with the handler of my student loans and with the Department of Education, I was told that the XXXX XXXX XXXX XXXX XXXX Horizon Debt Group, LLC was not a recognized contractor of the Department of Education. 

On XXXX XXXX, I was contacted by XXXX XXXX, a representative from XXXX XXXX XXXX XXXX XXXX Horizon Debt Group LLC, who told me that I was eligible to have my loans reconsolidated and forgiven after a payment towards consolidation of {$900.00} and 36 months of payments of {$40.00} per month, starting in XX/XX/XXXX. On XXXX XXXX, I signed the contact electronically and authorized a payment of {$440.00}. Because I am on XXXX, I was told that my payments would be reduced and the amount I owe would be forgiven. 

However, I am not on XXXX XXXX. I was diagnosed with XXXX and had a XXXX earlier this year, and because of that, I am on long-term XXXX and am unable to work. I am also XXXX and have sustained some XXXX from treatment. 

I then received an email from XXXX, the Department of Education-approved handler of my student loans that my monthly payments were overdue. I called them, and was told they had never heard of this program, nor had they been notified of this. 

Yesterday, XX/XX/XXXX, I spoke with XXXX XXXX of XXXX/Horizon Debt Group, and was told that I needed to send an email to cancel this contract. 

I called XXXX XXXX XXXX to stop payment on the second scheduled payment on XX/XX/XXXX. On XX/XX/XXXX, I called the XXXX Police Department Financial and Cyber Crimes Division and was told that since this was a civil matter, to contact a lawyer. Then I called the Ombudsman Group of the Department of Education to file a report. 

I do not want to put myself at risk of committing fraud and lying to get into a program to forgive my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX should not be on my report. Equifax removed this account and reinserted it with a balance. I have attached my pay to delete letter from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX
Product: Credit reporting

Pursuant to the Fair Credit Reporting Act, Experian is required to report accurate information on an individual 's credit report. Please be advised that I request you remove the following false information from my new credit report ( Credit Report No. : XXXX ) listed on Page XXXX : Telephone numbers ( XXXX ) XXXX XXXX ALSO refer to CFPB Complaint No. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have just checked my credit score that seems to be ok. However, as I was going through my credit score I noticed that there is a name of a XXXX XXXX on my report. I no idea who XXXX XXXX is. I don't know how, who, where, when or why that name is on my credit score because that is not my name. I have two other names, one is from my previous marriage and the other is my maiden last name that I have used both of those names in the past, but I don't use those names anymore either. But I do not now and I have not ever been a XXXX XXXX. Please remove that name from my credit score and I want that name to be removed from my credit score immediately. Thank you for your time and consideration. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND THIS INFORMATION WAS INCORRECT. I REQUEST THE DELETION OF THIS INFORMATION FROM MY CREDIT REPORT THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 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 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 XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Ability XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX 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

XXXX, Transunion and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on XXXX is XX/XX/XXXX.on XXXX and Transunion IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX Fire Dept who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm  entitled to accurate reporting by law.
Product: Bank account or service

I applied for a Premier Line of Credit with US Bank. I wasdeclined for this low interest rate vehicle while theyIncreased a credit card available balance from $ XXXX to $ XXXXThis and my regular line of cr have a 22 % As well as myAPR. While my credit is not perfect I believe this redliningMore than anything. I was simultaneously approved byAnother lending institution with a much lower interest rate. 
US Bank claims I have a XXXX cr score while XXXX listsA XXXX credit score from the exact same credit bureau.
Product: Credit card or prepaid card

I am a victim of identify theft and Chase Bank is violating my consumer protection rights. I have contacted them and informed them that my ex   husband opened credit cards in my name. The company responded by saying that the address on the account matches my home address therefore the debt is valid. This is ridiculous and I demand that they investigate my claims immediately. I want these cards taken off my credit report and a full fraud investigation. The lady I spoke with today said the debt was valid even though I provided the name of my ex husband and information, including but not limited, the bankruptcy filing which included these accounts. This is ridiculous and I want this off my credit report immediately. I will settle the debt but I want the tradeline deleted.
Product: Debt collection

This company calls multiple times a day despite requests that they remove our number from their database. They do not provide information on the debt that they are attempting to collect. I know of no debts owed by me and am inclined to think that these computer generated calls are merely fishing expeditions seeking a similarly named person. They have not responded to requests to communicate via mail nor provided any evidence of a debt owed by me.
Product: Credit card

When I initially received the card they said if I had my account on automatic payments, which it was at the time, they would not charge me an annual fee but they did anyways of {$39.00} back in XXXX of XXXX. I asked them to reverse it but they would not. I had to let it go. Now they are charging me {$59.00} for an annual fee after I paid my balance in full. I asked them to take this off as they reduced my limit to {$500.00} when I used to have a {$1500.00} limit. They are hurting my credit by doing this. I was never late in making payments and my credit scores are better than when I initially got the card. There is no reason for them to reduce my credit limit.
Product: Checking or savings account

On XX/XX/2023, I visited Hunting Bank in XXXX MI to close my checking account due to fraudulent activity. I am a XXXX person & my only source of income is social security. These funds are directly deposited into my account on the XXXX of every month. Because of this, I was concerned that the deposit would reject, so I was advised to keep the old account open for deposits only & close the account once the funds hit the account. I opened a new account that very day, provided my license, my college ID, my medical card & a debit card from another institution to confirm my identity. 

Most of my bills are setup with online banking & auto pay. My auto loan is scheduled for auto pay on the XXXX of every month. On XX/XX/2023, my social security hit the old account & I went to transfer those funds to the new account & close the old account. I made an online payment to the merchant to withdraw on XX/XX/XXXX from the new checking account. The merchant contacted me stating that the payment rejected due to a hold on the account. The new account had a balance of {$1200.00} on XX/XX/XXXX & the amount I attempted to pay was {$140.00}. The merchant attempted to repeat the withdraw on XX/XX/XXXX & it was again rejected. It was then & only then that I was informed additional ID was needed to verify my identity, which was now causing a hold on the new account as well. I withdrew the funds from the new account to pay merchants via money order. 

Huntington Bank is refusing to take responsibility for this mishap claiming they were unaware of the hold on the new account. My account with the merchant became past due & late fees & interest was accrued. When I contacted the financial institution for an explanation, I was informed that my identity had not been confirmed. When I questioned how could the new account be opened for over a week without the proper documentation being submitted. No one in the branch can tell me.
Product: Checking or savings account

Went into a SunTrust bank to open an account and I was told I could not open an account and could never open an account at the bank. The banker didn't give me a reason why, he was just very rude. I asked why he said he couldn't give me any information or give me a number to call to see what is going on.
Product: Checking or savings account

Over the past 6 months, my debit card has been compromised at least 4 different times with 4 different debit card numbers on my Citibank account. 
They give me provisional credits flyer 10 days but by then my bill payments and other valid transactions bounce and cause lots of other work and problems. 

Its a nightmare changing all my online banking over to new debit card accounts each of these times. 

I always have some type of issue when I call the Citibank fraud department. They have scripts and do not know how to solve issues outside of their simple scripts and I end up waiting a total of hours on the phone to remedy the fraud issues. 

Each time they resolve my fraud cases and then the fraud happens again on the new cards. Even if I am at fault by putting my information online somewhere that is being compromised, they should still be able to track this down after multiple times and provide a solution. 

My Citibank checking account has been open over 20 years and not I dont trust that they can keep my money safe and have started to use another bank for my checking and bill pay needs. 

I want this filed as a formal complaint against the Citibank fraud department for not adequately handling the fraud cases. By the charge types and locations, its very obvious that its the same individual or group responsible for this and if I can deduce this, so should the Citi fraud investigators or local XXXX California authorities. Something must be done and I can no longer trust Citibank to keep my debit card/checking account secure from ongoing fraud.