23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/29 Opted-out third party reporting & Credit Reporting Updates Asked to keep my account open, as I never instructed to close the account. 

Transunion, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # Incorrect non-matching account type- detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Debt collection

XX/XX/2018 a letter was sebt for validation and it was never validated.
Product: Checking or savings account

On XXXX XXXX or so, I made a cash deposit of {$5000.00} via ATM. I then made a ACH withdraw request, asking XXXX to get the cash from the Citi account. This was because I was going to transfer the money overseas using XXXX. This would have been a much cheaper option than doing an international wire transfer. 

On around XX/XX/XXXX, I couldn't log into my account. I tried to reset my password, and the site told me my account was inactive. I called on XX/XX/XXXX, and Citi transferred my call to the fraud department. I told them why I made those transactions as above, and that I recognized the transactions, and they were not fraud. They only told me that the account was " in progress '' and for me to wait to the end of the week. 

Today XX/XX/XXXX, I called again and was told the same story. They told me they should have sent me a letter, but I have not received anything since the issue first came up around the XXXX. Citi is just keeping my money frozen with no estimates of when they will resolve.
Product: Vehicle loan or lease

Innovate  XXXX   XXXX   ( fo rmerly  XXXX   XXXX   ) h ave erroneously reported  XXXX  and 60 day lates on my credit report. I have called to inquire about payments made and some of the payments made were not recorded in the system causing me to make double payments in the same month. In addition I have called and requested copies of the payment history for my account 4 times over the last 2 months and have not received it. I 've spoke  to 3 different representatives who say they have processed my request but I have yet to received copies of my payment history in order to verify it against my payment records. Also, they claimed they did not have my correct address in the system but they were mailing statements to my correct address. When I 've asked to speak to a manager the rep resentatives are rude and not helpful
Product: Credit reporting or other personal consumer reports

I made a request for XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than XXXX XXXX XXXX. I know for a fact that I did make these payments, but I am not here for that. They are reporting to Experian and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from XXXX and XXXX XXXX stating the dates. I do not have the letters mailed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks for your help in getting this resolved. My credit report is 100 % unblemished aside from this dispute. Nelnet has elected to destroy my credit rating over a {$150.00} loan payment from XXXX, XXXX that should have been in forbearance since XXXX XXXX. 

I have repeatedly and sincerely asked Nelnet to please update the payment status of my loans from XXXX, XXXX in their records, and to the credit reporting agencies, as on-time or some other non-negative status. They have repeatedly sent me conflicting reasons, denials, and excuses for not updating my payment statuses, of which I have documentation. 

My student loan payments with Nelnet were supposed to be on an income driven payment plan as I re-certified this plan in XXXX XXXX, I have ample documentation of my efforts to re-certify from the time. I mailed in all the necessary documents just like I did in XXXX and Nelnet never processed my paperwork. The payment amount was supposed to be XXXX. I mailed in documents after submitting my application. Instead of processing my forbearance plan, they began billing me without my knowledge. I do not understand, and still have not been given a reason, why my paperwork was not handled in XXXX, even though I had no issues in XXXX. My sense is they lost my application and are now refusing to take responsibility while simultaneously accusing me of not paying my loans. I absolutely take responsibility for my loans and would never have knowingly paid them late and I 100 % dispute the characterization of my payments as late. 

Nelnet reported me to credit agencies without properly informing me that I was being billed or that my repayment plan application was rejected. I paid the due payment the moment I knew about it and now I just want the record to show I was NOT paying late ; I didn't know I had a bill due and would never have waited to pay. 

I am sincerely asking you guys to please help force Nelnet to update the payment status of my loans from XXXX, XXXX in their records, AND to the credit reporting agencies, as on-time or some other non-negative status. I paid the due amount the moment I learned about it and have made no other errors with these loans throughout the 6 year life of these loans. I'm am traumatized that I would be treated like this after all my good faith actions and patience in trying to get this resolved. 

Attached supporting documents are chronological receipts of actions from XXXX XXXX that I followed to a " t '' to complete my re-certification plan. I did everything necessary and was never sent any indication that my plan was not accepted. 

Please let me know anything you need to get this fixed. I appreciate you guys handling my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX, XXXX, & Transunion are reporting inaccurate and incomplete credit information. This a violation of XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to a fraudulent credit inquiry by Experian on XX/XX/2022. It was by a personal loan company named XXXX. I immediately alerted Experian that this was fraud, and they told me they would take the necessary steps to make sure more fraudulent activity did not take place. I also contacted XXXX immediately and let them know that this was identity theft and that Ithe owner of the SSN being useddid not apply for any loans. The next day, despite being on the phone for over an hour with Experian the previous day, another hard inquiry for a personal loan from XXXX was allowed through. My accounts, reports, etc are frozen. I have placed alerts on all three bureaus. Furthermore, Experian has made it their policy to never talk to a customer unless they are a business customer. Their automated system menus are deliberately designed to lead callers to dead-ends and hang up on them. They dont take their duty as to the public as a credit reporting agency seriously and are not even willing to fulfill the basics steps to protect the identity of the people whose information they sell. I have not been able to get a response from them or XXXX at this point. I am purely depending on credit locks and freezes and my personal diligence to protect my finances. The hard inquiry on my credit still remains. Luckily, I dont believe any loans were generated as I reacted within minutes.
Product: Payday loan, title loan, personal loan, or advance loan

I was a front line worker, XXXX, during the start and first year of XXXX. I ended up getting very sick and could not pay my housing. I was forced to apply for a loan through a payday loan service. However ; I was not aware that these loans are predatory lending centers with unfair, deceptive, and abusive loan terms that can trap borrowers in a cycle of unfair debt. After speaking with the representatives, and explaining to them that I could not afford the loan, I was not allowed to give it back the next day when I called. This company is unprofessional, predatory and should be illegal. This needs to be removed immediately from my credit report.
Product: Checking or savings account

Chime hacked into my account locked me out of it and claimed after me giving them everything I had with my name birthdate etc. proof of Im me but they dragged it out until finally my apt manager had had enough and called them and magically she was my id opened it up for me and I copied what was fraudulently taken from my SSDI check. Now today they have closed the ticket out and removed all of the previous items that were taken from my savings and checking account. I have all text and emails and copies of what was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being illegally and inaccurately reported on my consumer report. I've contacted them to have this removed and it has not been removed. This is causing me extreme stress and frustration as they can not be trusted. They are damaging my character with this inaccurate information reporting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient submitted a report to the Credit services XXXX  and XXXX  that I now am require to pay twice what I actually pay based on their in come repayment plan and as a result my credit score drop over 30 points and disqualified for a loan for a home. I do not think this fair to me. 

Also, I feel that I am being over charged and am not being properly reported as to how much money has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX, Equifax and XXXX has not complied with the Fair Credit Reporting Act, XXXX5U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiries that are ( still ) reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card

I received an email from my Capital One Business account indicating that my minimum payment was under the minimum amount that I had owed. I called Capital One Business and it was stated that there were emails that were sent to me on XX/XX/XXXX, and XX/XX/year>. I checked my email and explained that I did not have any email from my Capital One Business account except for a payment. The representative research their account and confirmed that they did not send out the notification, but the process still continued and my account was closed without my knowledge. I called and spoke to their senior account supervisor who research for the 3rd time and stated that in XXXX they sent me notification and again, we researched and there was no notification. At this point, I am not sure what Capital One Business was trying to imply. I only was told that there was noting they could do. I explained that based on their mistakes, my account is closed. It was not due to missing payments, but due to their neglect to send out the proper notification. I am frustrated and a scared because I have 3 other Capital One accounts. Please let me know what I can do. This is unfair. Also I was told that I could not speak to anyone over the Senior accountant Supervisor.
Product: Checking or savings account

On XX/XX/XXXX I opened a Key XXXX Checking account online after receiving a mailed promotion from KeyBank offering a {$400.00} bonus for making a minimum opening deposit and one single direct deposit of at least {$500.00} within 60 days of account opening. I went in-branch on XX/XX/XXXX and made an opening deposit of {$25.00} while at the branch, I confirmed with a banker that the bonus offer code was correctly applied to my account and that the only other requirement was to make a direct deposit by the XX/XX/XXXX deadline. My checking account received a payroll direct deposit of {$600.00} on XX/XX/XXXX, thus fulfilling all the requirements of the bonus offer. 

After more than four months since completing all the requirements, I still had not received the {$400.00} bonus, so I called KeyBank 's customer service phone number on XX/XX/XXXX to inquire about its status. The KeyBank representative confirmed that the bonus offer was attached to my checking account and that I had fulfilled the opening deposit and direct deposit requirements of the offer, but claimed that I also had to make three withdrawals ( either electronically or via debit card ) from the account within 60 days of opening and denied my eligibility for the bonus since I had only made two withdrawals in 60 days. This withdrawal requirement was not mentioned anywhere in the promotion terms provided by KeyBank via mail and on their website, nor was it mentioned in-person when I visited the branch on XX/XX/XXXX. The phone rep filed an appeal with KeyBank on my behalf on XX/XX/XXXX, and called me back on XX/XX/XXXX to inform me that the appeal had been denied. 

KeyBank has failed to honor the terms of their agreement, and, despite acknowledging the fact that I have met all the original requirements, they invented new requirements as justification for refusing to uphold their end of the deal. I have attached to this complaint a screenshot of KeyBank 's web page containing the promotion terms ( which is archived online at https : XXXX : XXXX? XXXX ), an e-mail from KeyBank on XX/XX/XXXX confirming my checking account opening, and bank statements from XX/XX/XXXX through XX/XX/XXXX verifying the aforementioned deposits.
Product: Debt collection

When I first did my research about this case ( that is already affecting my credit ), I decided not to send any complaint ; but right now, I have decided to do all that I need to do to solve this. 

Account Recovery Services is committing so many violations to my consumer rights. I am complaining about the following account : # XXXX, opened date reported : XX/XX/2016, original balance : {$8400.00}. 

Violations of the Fair Credit Reporting Act : - Reporting an incorrect opening date. 
- Missing date of last payment. 
- Failing to register company in the California Secretary of State. 
- Unfair business practices. 
- Negligence. 
- Breach of contract. 

All I am asking is to take this case in serious consideration, and remove the item from my report. 

CFPB : Please take the attached documents to Account Recovery Services. 

Thank you so much.
Product: Checking or savings account

I have filed numerous complaints against a financial institution. My complaints have been ignored. The financial institution refuses to take any responsibility for what has happened and still is happening to me. The financial institution states that they paid me the money back. They did not. They state that they did not send my banking information to another person in another state. Two people were arrested at the address on my financial papers holding the banking information the financial institution claims they did not send. My identity has been stolen to the degree I am unaware of any way to fix this. This happened because of the financial institution. The financial institution gets to just walk away. They are not being held accountable for anything that happened financially or personally to me. I get to live with this huge mess. 
I have found there is no law enforcement of any kind that helps someone in the situation I am in. At the beginning until someone was arrested this past XXXX. I have been treated like a criminal. I have been accused of lying, stealing my own money and making the entire story up. Until in XXXX EVERYTHING that was stated in my 2 plus years of police report. was documented and proven to be correct. 
However, the financial institution still claims they didn't do this. Still takes no responsibility, and still refuses to give me back my money. looks to me like they won. 
I on the other hand am living with this identity theft created by the financial institution. XXXX knows how many people they " didn't '' send my information too. 
I would like this printed, I would like everyone to know, if you are the victim of identity theft. There is no one that will help you. You will not get your money back. And you will be drug through the wringer on any investigation law enforcement can dig up or create on you. Criminals have more rights than the public does.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the Experian Credit Bureau regarding inaccurate information on my credit report from " XXXX XXXX XXXX. '' The account with XXXX XXXX XXXX was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off monthly after the original charge off date. This practice has negatively affected my credit report and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my  credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been  late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know th at i am anal about my cre dit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.
Product: Credit reporting or other personal consumer reports

Hey i looked up my credit report and find fraudulent account on XX/XX/XXXX and sent letter them on XX/XX/XXXX to reinvestigate these account XXXX XXXX XXXX open date XX/XX/XXXX account number ( XXXX ) XX/XX/XXXX they sent me letter thet their investigation was completed and the account is accurate and complete I looked my report but everything still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modiy that tem or inortation, as appropriate, based on the results or the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this 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.

and according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I see they really did not reinvestigation they said they did something they did not do and I have evidence to prove my case Account name XXXXXXXX XXXX XXXX  Open date XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

My Loan APR was 763.16 % on an {$800.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), NCB Management Services NCA ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.
Product: Checking or savings account

For the past two weeks, I have been unable to access my business account with PNC Banking. I have called on numerous days and they are unable to provide me with a method to unlock my account. They are the worst bank in American! I moved all my personal banks accounts last year for the same problem. Still don't have access to my business account today!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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