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

Foothills Bank in XXXX XXXX, refused to open two separate totally free checking accounts for two separate people. They required an occupation, and when I told them I was an XXXX, and they acted like I didnt have a real job. They immediately said, if I XXXX  XXXX, is your business going to pop-up?. The banking manager was so rude and undermining to my occupation and insisted I was lying. The bank manager also asked where I was moving to, and if I didnt give her the new address, I wasnt going to be able to open an account. The bank manager was even saying that she called my phone number and it didnt go through so did I give them a fake phone number? I gave her the same number and she called my phone again and this time it went through and rang. At the end of the process to get an account, I was harrassed if I had family in the area and a lot of personal questions that have XXXX bearing on opening a checking account ad advertised. At the very end, the manager said she was going to call my phone again because it didnt go through, even though in the office she called it and it rang. Again, the experience was very odd. I was very polite and professional, but the bank manager seemed off. There was another person with me, opening an account, and the same treatment was given. At the end the bank manager said that they didnt want to open an account based on lack of information, but all the information requested was given.
Product: Credit card

The company, Kohl 's Dept Store NY is contacting my cell phone ( my cell # XXXX ) everyday at 10 times per, calling me after XXXX ... They use several phone numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Product: Debt collection

Nelson & Kennard filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C 1681c-2 ) that you, XXXX, XXXX, and Experian, block information on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of the following accounts, 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 XXXXXXXX Experian XXXX I do not recognize the aforementioned accounts, inquiries, and collections on my credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, inquiries, and collections are the result of identity theft and fraud. I have attached a copy of my file FTC Identity theft report, Report # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned as proof and have also filed an identity theft report in my local jurisdiction. The breaches of my information confirmed by both XXXX as well as XXXX XXXX XXXX have allowed for my information to be stolen by someone who committed a financial crime in XXXX, for which I was falsely incarcerated in XXXX  for. Once the mistaken identity was confirmed, I was released without any charges or pursuit.
Product: Credit card

Company wants taxes for a contract that did n't state that I had to pay taxes in order to give me my free flights. Citibank Office of President statess that it is " known '' that I had to pay taxes when it was unknown. Free flights means free flights. If it is free the taxes are XXXX. 
I also gave notice within 5 days as required per the XXXX government for these types of purchases and I am still saying that I can/t get a refund.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I purchased a puppy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After deciding which puppy to take home, XXXX XXXX, XXXX of the employees at XXXX XXXX helped me. He said I was approved with XXXX XXXX XXXX and my payment would be roughly XXXX XXXX monthly for 12 months which seemed amazing. I filled out the stores contact and agreed to everything. While agreeing to XXXX XXXX  XXXX  it was something totally different. After I got home I noted the awful news! XXXX XXXX XXXX contract stated I would make payments of XXXX XXXX bi-weekly for 12 months and the interest rate came to 179 %. I got a hold of easy pay finance and stated I agreed to something different at the store, they told me to contact the manager at XXXX XXXX. I quickly contacted the manager XXXX XXXX as he informed me he was not able to help and he lack communication.
Product: Credit card

I contacted chase to figure out a payment plan to pay back credit card debt. I tried to get the interest rates reduced multiple times within 2024 and they said that nothing could be done. I am left paying high interest rates when I been paid off the debt. The fees are also ridiculous. They give a hard time when I have a military account and have been a member for over XXXX  years now. I also have a business account and personal account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rent my accessed my credit profiles and discovered accounts, addresses, and telephone numbers not related to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has been reporting a XXXX charge on my credit report since 2015 and I disputed the charges when it happened and they never did a fraud investigation or helped me they just report on my credit Bureas that its collection charge off as if I owe the money. I am and was a victim of identity theft and they never disputed it
Product: Mortgage

Due to the COVID-19 pandemic, I experienced a dramatic cut in employment and income. So I reached out to my Mortgage lender " Lakeview Loan Servicing, '' to apply for forbearance under the CARES Act, due to meeting the qualifications ( i.e. FHA loan etc ) ; this allowed my forbearance to began XX/XX/XXXX. I applied for a 90 day term of forbearance on Lakeview 's website. After being approved, I received a pdf document from Lakeview saying that my " Forbearance Plan has been Approved. '' On this same document, it says that the " term of your forbearance plan will be up to 180 days '' ( although my initial request was only 90 days at first ). Having no improvement in my previously mentioned work and income status, I logged onto the Lakeview Loan Servicing website, to attempt to extend my forbearance ; to use the 180 days. Although the Lakeview website appears to direct you to the previous online process for requesting/extending your forbearance, the actual webpage 's call-to-action button labeled " Extend Term '' when clicked onreally only produces a phone number with the message : " Call Customer Service. To learn more about extending your forbearance plan, please call our Mortgage Assistance team at XXXX. '' Upon calling the Customer Service number to extend to 180 days, multiple times on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I get the same response from the reps : " To extend your forbearance, we have to first review your loan ; we will contact you as soon as we do to let you know our decision '' or " we will escalate the handling of your request and contact you within 3-5 days to let you know our decision after we have reviewed your loan since our notes indicate you called earlier. '' When I ask the customer service reps " What is it that needs to be reviewed regarding my loan, that is taking so long ( more than a month ) to review? '' the responses vary, from being told that I've been " denied, '' to the latest being : " We have it in our notes that you have forbearance but the forbearance code is not showing up in our system, so we need to review it. '' Lakeview diligently communicates with mevia phone and email to let me know that my 90 day forbearance request is coming to an end or ending, but has not been able to contact me onceas they promised regarding my multiple requests to extend/update the status of my forbearance to 180 days, in harmony not only with the CARES Act, but really also with the initial approval letter from them that already indicates that my forbearance term is 180 days.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX & XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX XXXX XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b. 

XXXX XXXX XXXX & XX/XX/2024 : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation 15 USC 1681b.
Product: Credit reporting

Since XXXX2013 XXXX XXXX is not to be on my credit reports! All of the student loans went to XXXX XXXX XXXX and are closed and XXXX. I have been sending proof of this since XXXX2013 over and over and over at great expense. Nothing has changed except now it is like there is double the student loans. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX 's say " transferred to another office '' ( as if! XXXX is not their office, we know it is but technically it is not ). They also have " late payments '' AS IF! ALWAYS IN DEFERMENT UNTIL XXXX FINALLY GOT THEM AND XXXX, CLOSED. XXXX XXXX should not be on any of my credit reports. They are gone, forever. It makes it look like there are XXXX different student loans! All of the info XXXX XXXX puts on my credit reports is wrong, and has been wrong for years and years, but this is even worse since they are out of my life forever! None of the credit bureaus does a thing about it even after they have received the proof from XXXX XXXX XXXX at least XXXX. GET IT OFF! In addition, this XXXX co. has repeatedly put " opts out of offers '' NO I DID NOT, NOT EVER, I WOULD LIKE OFFERS. Since XXXX2013 have said get that off, they continue to put that on!
Product: Mortgage

MY MORTGAGE COMPANY DEFAULTED ME BECAUSE I FELL BEHIND ON MY PROPERTY TAXES, WHICH I HAD MADE ARRANGEMENT MY COUNTY TO MAKE PAYMENT MY HOUSE PAYMENT NEVER BEEN OVER 30-DAYS LATE, THE COMPANY CALLED MY JOB WAS VERY RUDE WITH MY CO -WORKER I WASNT IN, THEN THEY CALLED LEFT ME A VERY RUDE VOICEMAIL, THE ONLY REASON IM DEFAULTED YOUR CONTRACT BECAUSE OF YOUR CO-WORKER WAS RUDE, WHEN SHE WASNT SO I CALLED TO SPEAK TO THE PRINCIPAL OF THE COMPANY, THE LADY THAT HANDLE MY MORTAGE XXXX SAID HE DOSENT WANT TO TALK TO YOU, RIGHT AWAY THEY RASIED MY FIXED RATE FROM 7.5 % TO 28.99 % AND SAID IM CHARGING YOY XXXX INSPECTION FEE WE NEED RIGHT AWAY, I HAD BEEN UNDER ALOT OF STRESS WITH THE DEATH OF MY WIFE, MOTHER, BABY SISTER, AFTER THAT WE HAD A HEAVY RAINFALL WHICH DAMAGE MY ROOF AND BEDROOM I FILE A CLIAM MY INSURANCE TO FIX IT, GAVE THEM THE CHECK THEY TOOK THERE TIME TO ENDORSE AND SAID BY LAW WE ALLOWED TO GIVE PEOPLE THAT WORKING ON YOUR HOUSE 10 %, DOING ALL OF THIS I WAS GOING TO ANOTHER FINICIAL COMPANY TO PAY THEM OFF CAUSE EVERY MONTH I WAS SENDIND MY MORTAGE OF {$600.00} BUT SINCE DEFAULT ME 28.99 % MY STATEMENT WAS {$10000.00} EVERY MONTH SO THE COMPANY I WAS TRYING TO REFINIACE THROUGH SAID THEY NEVER HEARD OF THIS MATTER AT ALL, SO I REFINIACE MY HOUSE WITH THEM MY FORMER COMPANY TOOK THERE OWN TO GIVE A PAY-OFF I BELIEVE TO ALOW THE 28.99 % INTREST TO ACCUAMLATE, FINALLY COMPANY HAD TO DEMAND FOR PAY-OFF AND AFTER THEY GOT PAY-OFF, THEY WRITTEN OUT THE INSURANCE CHECK THAT MY INSURANCE COMPANY HAD SENT TO FIX MY ROOF AND INSIDE, BUT THEY WROTE CHECK LIKE IT WAS A REFUND OF MORTGAGE PAY-OFF, I BELIEVE IWAS TREATING WRONG AND UNFAIRLY, I HAVE A COPY ON VOICEMAIL HOW RUDE THE PRINICPAL OF THE COMPAMY, MY CO-WORKER WILL WRITE A STATEMENT HOW RUDE HE WAS CALLING MY PLACE OF EMPLOYMENT, AND HARRASED.
Product: Mortgage

We have a mortgage thru First Horizon Bank. Which was previously XXXX XXXX then Fist Horizon. We, tried to make a payment back in XX/XX/XXXX We informed that out loan had matured and we would need to pay the loan in full or sale We had no idea that we had ever signed a balloon note. We then asked to refinance and were told they couldn't do that. We proceeded to try to refinance thru XXXX XXXX bank which is a branch of XXXX XXXX XXXX. This has been nothing but huge mess. We have been working with XXXX XXXX ad she has done all that she can to help us. XXXX he can not find a dead of trust for our Property. There was a dead of trust from XXXX XXXX that was released in XXXX. But we can not find one since. Also XXXX states that on our Deed is my husbands sister which she has never signed for. We have no idea where that has come from. We have contacted First Horizon Bank many many times each time they state they will mail the deed of trust and loan documents and have yet to receive anything. They refuse to fax or email. We even went into XXXX XXXXXXXX XXXX and sat with XXXX while she called on out behalf. She was transferred 5 times. They last thing she received was a deed of trust on an old address not even what we asked for. This bank has put us thru months of stress and is ruining out credit. We cant even try to get a loan to refinance with anyone if there is no deed of trust anywhere, Please help us with the next step are we at the point where we need to hire an attorney?
Product: Credit reporting or other personal consumer reports

This addres XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, is on my account Ive never lived here and the address is inaccurate, it states its an apartment but its a house
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

In conjunction with 15 U.S.C. 1681 et seq., I am reporting the inaccurate information provided below as it directly violates my federally protected consumer rights by failing to promote accuracy and fairness. 

Former Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX Formerly Known as : XXXX XXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on Trans Union, XXXX, and XXXX. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with Trans Union, XXXX, and XXXX. This account is affecting my credit score and resulting in credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$320.00}
Product: Debt collection

After carefully analyzing my credit report, I noticed a number of unauthorized accounts that were added without my knowledge.
Product: Credit card or prepaid card

I 've been a c lient of Capital One for  over 5 years. On  XXXX   XXXX     2017  while checking in to a hotel both of my credit cards were declined. I ca lled Capital One customer service. They said there was nothing they can do at the present time and that I wo uld have to wait till the morning for another department to open. I told the cu stomer support representative that I was in the middle of nowhere and was trying to check into a hotel. I was forced to sleep in my car. The next morning I called customer service and spoke to someone at the executive d epartment. They told me that a letter was sent out on  XXXX   XXXX  and on  XXXX   XXXX  they closed my account. What major company does that t o Consumers and give them no fair warning they are closing their accounts. What if I was out of the country stuck with no money. This should not be legal for them to do this to me or any other client they have. There should be a class action lawsuit against them. I never missed a payment and over paid my monthly minimum payments. Sometimes I make double payments.
Product: Debt collection

Excessive calls and texts. 
Texting 2x a day at minimum 3x calls per day. 
I can provide call records and text records if needed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I had to take out a Private Student Loan with Sallie Mae, because I did not qualify for a Federal Student Loan. I XXXX  in XXXX of 2022, and was married that month as well. They will not help with lowering interest rates, or lowing the monthly payments. I had called and disputed as well as my husband. Our monthly payment is {$770.00} a month for 15 years. I just started working as an XXXX XXXX. They said there was nothing they could do to lower it or help us out. I had discussed this with our accountant for tax reasons, and he then explained that Sallie Mae is a loan shark company. There is no way we can afford that monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification that XXXX  XXXX made an inquiry on my credit report yesterday for a new credit card. They said the application was done online. I did not make this application and I do not know who may have made this application. The card is being sent to an address that I do not know neither is it listed as my address on my credit report.