23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? I made complaint for investigation to the major credit reporting agencies, to investigate a credit union 's neglect to reflect a {$600.00} down payment against my car loan. They were supposed to provide an investigation, giving both sides a chance to answer back, and all they did was take the credit unions information and closed it. Not only this, but the credit reporting agencies have conflicting information regarding amounts.

Step 2 : What type of problem are you having? My credit report shows negative balances. I am trying to get a credit card and improve my score, but it's not happening so easy. I also tried to negotiate with the credit union and failed, them saying to go to the collection agency.. I tried to negotiate with the collection agency and failed. They both refused to deal with me to start small payments, in trade with removing it from my credit report, so that I could work it out without it continuing to affect my credit report. They both said they can't remove anything from the credit report. They neglected to post a {$600.00} cash down payment against my {$3000.00} car loan, and the figures show me saying the truth. They also were refusing to cooperate with fixing the problem, which is why I quit them altogether. It didn't look like it was ever going to resolve. On the same day I began to let them know of a bad figure in my loan history, I had made the final payment on my personal loan with them, and that did not reflect either. They also refuse to provide statements upon request. 

Step 3 : What happened? I should have won. The result of the investigations showed differing figures from XXXX 's investigation and of Experian 's. XXXX 's saying my monthly payments were {$89.00} per month, and experian 's saying they were $ XXXX.for the same payment period. It is obviously inaccurate, as I said, but neither company took any further responsibility to remove them from my report. The credit union only provided payment schedules showing monthly amounts, dates and when it went into the red. I needed the terms of the original contract, the interest percentage, and the down payment, -- the math for and the resulting original amount of the car loan, all reflecting in their report, and that didn't come through. 

Step 4 : What company is this complaint about? XXXX, Experian and XXXX. None of these companies will take the responsibility to remove errors of dishonesty from your credit report, even with proof.

Step 5 : Who are the people involved? XXXX XXXX XXXX is the Creditor. XXXX XXXX XXXX is the collection agency. I worked with XXXX XXXX until there was a waiting time, and quit paying. XXXX is who we had requested an investigation from. I began myself with Experian and XXXX. Again, nothing, and no cooperation when I tried a second time, them saying that it had already been investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card

XXXX - Contacted Wells Fargo to open dispute on charge dated XXXX. Was told if we could show that there was activity on my part showing that I was attempting to receive the information and/or going through other dispute processes within XXXX of me contacted them that they would process my dispute. 

XXXX - Sent documentation with dates ranging from XXXX to XXXX. Was told that I would receive an update on the process via mail Called multiple times in XXXX 2023 and told that the process was under review by XXXX XXXX. That they had reached out to the vendor and if a response wasn't received in 120 days the dispute would be found in my favor. This meant a resolution was to occur on XX/XX/XXXX based on their records. 

XXXX - Received email stating a 45 day waiting process had been triggered wtih the merchant and that we were waiting to hear back. 

XXXX - Called to confirm dispute was ended. Was told an internal error had occurred and the dispute was never processed by XXXX. 

Was informed on the phone in XXXX that my claim was denied. Never received anything in writing. 

Called to reopen requesting the reason for denial. Was told they only had documents dating to XXXX. Informed if I sent information showing my original contact was made within 120 days of the vendor or XXXX showing an update the case would be reopened. 

XXXX - Emailed information from XXXX involved in liquidation of merchant that showed the litigation wasn't going to be paid out effective XX/XX/2023. I had contacted WF in XX/XX/2023 which is within 120 days. 

XXXX - Called WF and was informed reopening the claim was denied and that the surpervisor I talked to on XXXX didn't know what they were talking about. 

I had provided the requested information immediately during this entire process and have received erroneous and incorrect information at every turn. Wells Fargo is liable for mishandling almost every communication since I contacted them originally. They need to take responsbility for the mishandling and refund the disputed charge.
Product: Consumer Loan

On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX from XXXX County XXXX XXXX Kentucky. I originally was told by XXXX XXXX XXXX Owner and General Manager that I was buying the vehicle for {$10000.00} and financing with Huntington Bank a small loan of {$1000.00} after putting down {$9000.00} cash. I later checked my XXXX XXXX XXXX sales sheet and discovered that the dealership with Huntington Bank 's assistance copied XXXX different sales sheets together and falsified the amount that I purchased the vehicle for from this dealership. I have faxed a copy of this false document that surly Huntington Bank did see in processing my car loan with them. I also discovered that the dealership forged my name on a XXXX fast cash loan document for another {$3500.00}. XXXX has told me they have started a bank fraud investigation against this dealership in this matter. I am XXXX Years Old and just got out of the hospital for two weeks and XXXX. Huntington Bank now has me owing them a car loan to them that my name was forged on their loan documents, clearly also the dealership used a false sales document that ultimately has me owing over {$23000.00} for a XX/XX/XXXX XXXX that has a blue book value of less than {$6000.00}. 

Huntington Bank and XXXX XXXX XXXX committed bank fraud against me and actually according to XXXX had even their money sent directly to the dealership and at no time does this money show up and is accounted for in this transaction. I have also filed a Complaint against the dealership and asked the State of Kentucky also to investigate this situation. Huntington Bank has me paying the Dealership a large amount of Dealer Reserve with an interest rate of nearly 5.0 % for 72 months even though my credit score is XXXX XXXX. 

I have asked the Dealership Owner to take back this vehicle since they committed multiple counts of bank fraud and the Owner has simply just threaten me.
Product: Debt collection

MUTUAL MANAGEMENT SERVICES is falsely reporting on my credit. I have never had any accounts with them. Per my research MUTUAL MANAGEMENT SERVICES is a debt collector. They are falsely reporting to my credit! 

I AM A VICTIM OF IDENTITY THEFT, I HAVE NEVER STAYED THERE ... I ATTACHED A COPY OF MY FTC REPORT IN THE LAST COMPLAINT AND YOU IGNORED IT! 
I WILL BE CONTACTING THE ATTORNEY GENERAL IF THIS ACCOUNT IS NOT DELETED! 

ACCT # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services, through unfair violations of the FCRA, FDCPA and other state and federal regulations, continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies. They have NOT fully complied with their obligation to respond as they have yet to provide valid documentation to substantiate the inaccurate information they have been furnishing. 

Rushmore Loan Management Services has unfairly re-aged an account on my credit report and continues to update the falsified accounting without any well established justification. Rushmore Loan Management Services repeatedly responds that they are furnishing accurate data. Then, to undermine both Federal and State agencies, attach a multitude of " fluff '' documents, NONE of which substantiate their claim. Clearly, Rushmore Loan Management Services does not have any legitimate evidence to validate or they would have easily provided it by now. 

I have repeatedly defended my position by submitting a plethora of supportive documents, including the series of attached credit reports showing PROOF POSITIVE that Rushmore Loan Management Services has indeed illegally re-aged this account. It is completely unfair and unlawful that I continually provide proof of burden while Rushmore continues fraudulent misconduct without evidence nor questioning. 

Without well-established supportive documents, responses by Rushmore Loan Management 's Customer Correspondence Department do NOT provide one iota of validation and thus should be investigated thoroughly by all state and federal agencies for intentional fraudulent activities. 

Rushmore 's harmful and undermining misconduct has gone unquestioned, unchallenged and without proof of burden for far too long. I intend to seek relief, resolution and all and any recovery that I may be entitled to.
Product: Checking or savings account

Mine and my daughter 's PNC bank account back in XX/XX/XXXX had an unauthorized user deposit 2 fraudulent checks ( XXXX and XXXX - made out to my daughter ) buy setting up their own mobile account under my account number. 

PNC allowed the checks ( that look like clip art and had NO signatures on the back ) to clear. After quickly clearing, the person named XXXX XXXX ( Tenn. address - I live in PA my daughter in WI at the time ) proceeded to XXXX, XXXXXXXX XXXX XXXX etc this money from my account. PNC, after these transactions/pay outs already went through, realized these checks were fraudulent and returned them. At this time, it made my account in the negative and am being told now that they can not determine fraud, so I am responsible for the fraudulent depositing of these checks and all the money this XXXX XXXX paid out. 

Please note, PNC did not contact me re this. 

I only became aware of this when I got a collection letter in the mail dated XX/XX/XXXX. I was unaware of this situation until this letter ( as at this time, the account had been closed because my daughter was moving to Fla and there was no PNC branch. Upon receiving the letter I immediately went to my local branch in XXXX XXXX and spoke to a XXXX and her mgr. The told me, PNC returned the checks because they did realized they were fraudulent. But unfortunately they couldn't help me. 
That night, I contacted the Police, filed a police report # XXXX. 

I made multiple calls to many departments of PNC trying to get someone to help file a fraud dispute/claim, only to be transferred to collections each and every time. I spoke to a XXXX, XXXX ( female ), XXXX, XXXX to name a few. Finally I contacted the CEO of PNC who had his customer relations person email me - XXXX XXXX. She has told me that they had an investigator who could look into this, but dont expect to have my name cleared or be un-responsible as " they really cant investigate mobile on line fraud and that my daughter must have given out her info and caused this. That is untrue & unfounded and because she said we wont be able to prove it, we are responsible. XXXX has since informed me that my 2 claims out of 3 ( ( XXXXXXXX XXXX XXXX  XXXX ) have been denied and that I will responsible and to expect the same for the 3rd claim. It has already damaged my credit and my ability to purchase a car recently. I am the victim in this situation, Ive been deemed guilty, told I have committed fraud and there is no evidence that I have done this, nor did I deposit these fraudulent checks.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased what I thought was a XXXX XXXX compass. When I ran into problems with the battery I took the vehicle to a mechanic. He found out XXXX batteries are not compatible with my vehicle because my vehicle is a XXXX. A XXXX jeep compass has more features and a XXXX batteries. Also has back up camera and other accessories. 

Its that some kind of breech of contract. I have never been late on payment. I actually have my card on auto pay. I called the XXXX department and also the sales team. Both said call the other and they can not help. Im frustrated because I have so much more to pay and Im not pay for the car I bought. Can you please help. No one will listen.
Product: Checking or savings account

I never had chase bank or XXXX XXXX it's on my credit and I am not able to open any accounts due to it .XXXX My wallet have been stolen like 4 times so I am guessing that's how the accounts was made
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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

17. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This is a duplicate account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I went through financial hardship. Account went into collections. I paid the collection amount off. The company stated they would remove it off all credit bureaus. Now on my credit report, it shows a payment status of " Collection/Chargeoff ''. This is false information since this has been paid off. If a debt is listed as charged off when it has been paid in full or settled, it is considered inaccurate information and violates the FCRA. Credit reporting agencies must update information on a credit report to reflect accurate changes, including when a debt is paid off or settled. Please see Account rating and Payment Status on attachments.
Product: Checking or savings account

On XX/XX/23, I made a few deposits via the Bank of America mobile banking app. One deposit was for {$150.00}. I received notice that it was not legible and had been charged back to my account. I tried again to deposit it remotely. It never turned up. On XX/XX/23, my account reflected that the bank withdrew {$150.00}, two dollars less than this deposit. I dont know whether this withdrawal was related to the {$150.00} attempted deposit. 

On XX/XX/23, I deposited a different check in the amount of {$160.00} remotely. The bank canceled the deposit on XX/XX/23. On XX/XX/23, I physically went to the closest branch. I handed the check and deposit information to the manager of the branch, XXXX. I left the bank, but I never saw it credited so I called BOA. I was told that the check was never deposited. Now, BOA tells me that I have to get a replacement check. The vendor on the check will not confirm whether it has been negotiated and refuses to issue another check. It doesnt believe me. 

Im in the same position with the {$150.00} check. 

A couple of months ago, I deposited several checks into the BOA ATM on its branchs grounds. The deposit totaled over {$1000.00}. I hadnt kept a record of the checks, the vendor or the amount. I was unable to recollect less than {$100.00}. The bank manager, XXXX again, told me that the bank has nothing to do with the ATM machines. Further, that they had no ability to contact the owner of the machine. I tried to contact the company I thought was the owner but got no answer.
Product: Credit card or prepaid card

I was approved for the XXXX XXXX  I made my first payment on XX/XX/XXXX in the amount of {$100.00} and the payment was posted to my account the next day. I then made a payment on XX/XX/XXXX in the amount of {$100.00} from the same checking account as the first payment and it has yet to post to my account. I made another payment on XX/XX/XXXX in the amount of {$20.00} from the same checking account as the first XXXX payments and it was posted to my account on XX/XX/XXXX. I called XXXX  to inquire about why the first payment was posted the next day and the payment made on the XXXX was posted the next day but the payment made on XX/XX/XXXX has yet to post. I was told they put a hold on the second payment to verify funds even though they were all made from the same account. This is affecting my Available balance and it is hurting my XXXX XXXX. They are purposely keeping my account over the credit limit to hurt my credit score and have no valid reason for doing so. The account in which the payments come from has been verified because XXXX of the XXXX payments have been posted to my account. I have read reviews on this company and they are doing this to a lot of people and it is wrong and needs to stop. They are intentionally hurting people 's credit and it should not be allowed
Product: Checking or savings account

I am from XXXX. I have savings account in J P Morgan Chase Bank, Ohio US. I stayed US for 6 Years. On XXXX  XXXX end my XXXX XXXX expired and I returned back to XXXX. Now I am unable to operate or close my savings account from XXXX. My phone number given in Bank has changed. I am using phone number in XXXX instead of US phone number given in bank. When I am calling Chase customer support they are asking me to come US and visit branch for closing or operating my savings account. I can not come to US I dont have XXXX  now. Before returning US I checked with chase customer support, they confirmed me that I can operate or close my savings account from XXXX. Now I am stuck I can not operate or close my Chase savings account from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the XXXX credit bureaus, Experian, XXXX and XXXX. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraudulently being reported on my Equifax and damaging my score.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax on my credit report through my XXXX account stating my consumer rights had been violated, and they responded with a verified and updated account with more incorrect information.
Product: Debt collection

This number calls me repeatedly every day. They do not leave messages and I have not received anything in the mail from them. They are harrassing me. I XXXX the phone number they tell me to call back and apparently its from XXXX???? and the company is sunrise services.