23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

have had no access to the mobile app since they started requiring two step verification and they REFUSE to send me the code. I have been waiting for them to address my issues with their " digital escalation team '' for more than two months. Now They have revoked my online access, I have no access to my account in any ay and they refuse to help. Further they refuse to send me statements. They refuse to deal with me or help me at all. They have been acting this way and refusing to help me ever since I deployed with the military. The only thing they ever tell me is " We have to investigate and will call you back '' They never call back. I believe the law requires them to provide me with a statement which they refuse to do I had a previous compliant they stated I have online access and I do not. I still can not loggon to the website. 
They still refuse to call me
Product: Checking or savings account

I received a letter from the IRS ( XXXX ) stating that Bank of America had let them know that I received income interest that I didn't report in 2022. It references account number XXXX which is not my account number, it doesn't sound like an account number at all. I don't have any interest income and did not receive the 1099-int form that the IRS is referencing.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United St

ates Code Law 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I continued to make payments to my student loan servicer, mohela, while under forbearance because they continued to list my account as owing a balance. I have requested a refund of those payments. I was initially told that it would take 23 business days at most for a refund to be issued Now that 23 business days have passed, I'm being told that it can take up to 90 business days. I do not appreciate the endless deception or constant change in policy. I also do not appreciate that my servicer has changed 3 times in the last 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX  Account # : XXXX Date Opened : XX/XX/XXXX reported late payments XXXX  XXXX Account # XXXX Date XXXX reporting late payments to my credit profile XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX : {$240.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681c . ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Debt collection

LVNV funding has illegally reported an alleged debt to my consumer profile. They sent notices which I responded within the proper 30-day window requesting them to send back to the original creditor due to numerous debt collection agencies seeking on this alleged debt. Instead, LVNV reported the debt anyways to the credit reporting agencies. Immediate removal of all reporting to the credit reporting agencies as the debt was not sent back to the original including responding to the alleged debt in the 30-day window which you do not legally have the right to report anything on my consumer profile. These are both FCRA 623 ( a ) violations and FDCPA Violations if you continue to do so.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2019 I created an account on the mobile app XXXX XXXX in order to receive {$380.00} from a friend. As soon as I created an account the company closed my account but around an hour later they let a friend send me {$380.00} to an closed account. I have {$380.00} in my XXXX XXXX   account but I can not do anything with it because the company closed my account. I contacted them with the issue and I keep getting an automated response that doesnt answer any of the questions that I have. I believe they are trying to scam me out the money.
Product: Mortgage

My Mortgage loan with Rushmore Loan Management Services ( purchased by Mr. Cooper in XX/XX/XXXX XXXX  ), was transferred or sold to Rushmore Servicing with a balance of XXXX. Notice was only received 15 days after the transfer. Mr.Cooper ( doing business as Rushmore Servicing ) raised my monthly payment from {$1300.00} to {$1300.00} without providing notice or justification. 

No balance was due on XXXX, per the Rushmore Loan Management Services online website, a subsequent statement was published for that date by Rushmore Servicing requiring the new higher payment {$1300.00}, due on XXXX. 

The XXXX payment of {$1300.00} was made on XXXX 

The XXXX payment ( {$1300.00} ) was scheduled for XXXX  and posted to my bank account that day. That payment has not been reflected in the Rushmore Servicing account, still showing a payment due for XXXX 

Additionally, Mr. Cooper reported my 30 year mortgage as closed to the Credit Bureaus XXXX XXXX XXXX XXXXXXXX ) effectively downgrading my credit score. 

Repeated attempts to contact Rushmore Servicing Customer Support on the matter just result in waiting on hold for 30 minutes then a disconnection.

One wonders if Mr. Cooper ( Rushmore Servicing ) staged their own 'hacking ' incident to distract from their incompetent and invalid processing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance= {$29000.00} XXXX CitiCards CBNA balance {$6900.00} In accodrance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6.2 states I have the right to privacy. 15 USC 1681 section 6.4a section 2 also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX stating I had an outstanding debt to XXXX for {$310.00}. I was shocked by this as I no longer had XXXX and had terminated my services 6 months prior, nor did I ever receive a bill from XXXX stating that I had an outstanding balance prior to receiving the collections notice. I called the collections agency and immediately paid the debt in full on XX/XX/2020. A month later, onXX/XX/2020 I get a all from a collection agency in XXXX mass ( ph : XXXX ) attempting to collect the same debt. I told them I paid this debt and was prompted to go online and provide proof. I did so. I provided them with Acct #, Credit agency, confirmation number of payment and my actual bank statement providing them proof of payment. On XX/XX/XXXX I was speaking to my mortgage lender about making an offer on a home i was attempting to purchase and he tells me that there was a new debt collection account on my credit as of XX/XX/20 that was now blocking my eligibility for a particular mortgage program that would significantly lower my mortgage and interest rate. To my surprise once again it was the SAME XXXX  debt I paid in full back on XX/XX/XXXX. I called the collection agency and they stated that they sent all the proof to XXXX of my payment to the other debt collector ( XXXX XXXX XXXX ) and that XXXX never retracted or cleared the debt so they reported it to the credit bureaus even though they had the proof I paid it. I then spent the next 5 hours on the phone with XXXX who gave me the complete run around. No clear answers, and no resolve. This is in clear violation of Fair Credit Reporting Act Rights. I conferenced in both collections agencies and XXXX on a call and both agree XXXX needs to simply tell the second collections agency that the debt is no longer owed and to clear it from credit accounts and reporting to the credit bureaus. Then I am was transferred around again and for some odd reason there are zero supervisors to assist. This is having a major impact on my life. After much stress, work, and searching, and sacrificing, I may lose the home I have worked so hard to get for my family over {$310.00} debt that was paid. This is outrageous and I most certainly will be filing a lawsuit if this is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister informed me that I received a letter in the mail at her home address where have never lived before stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person, I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine, please remove these faudulent items from my report.
Product: Debt collection

I have made several attempts to this collection company. On the telephone, they lie and don't answer any of my questions. I've sent in an affidavit of fraud months ago and I haven't gotten a response from there.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX- Account numbers XXXX and XXXX are reporting inaccurate on my credit report. 

I completed the Rehabilitation Program and ALL default is to be removed from my credit file. These accounts are still reporting delinquencies. Theses errors need to be corrected right away or delete these accounts off my credit reports.
Product: Credit card or prepaid card

In 2014 opened a Chase Amazon credit card account. I never verified the card or used it. When I call chase to close/delete the account they do not recognize the card number or tell me that hey do not have access to the account.
Yet, if I apply for a new Chase Amazon account, Chase sends a letter saying I have one and decline the request.
The clearly have a quality control problem. I want account no. XXXX XXXX XXXX XXXX  closed/deleted/purged forever, and chase provides no method to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MULTIPLE Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX  XXXX Bankruptcy Reference XXXX XXXX  XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Dear Transunion I am writing to dispute the following information that appears on my Transunion consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Source of dispute information : XXXX  Type of disputed information : Unrecognized accounts, Unrecognized address. 
Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance.
Product: Mortgage

I entered into a payment deferment arrangement in response to the COVID-19 pandemic with Wells Fargo in XX/XX/2020. Wells Fargo sent a letter to me in XX/XX/2020 to reaffirm and clarify the terms and status of my payment deferment. During the past few weeks, however, Wells Fargo has verbally contradicted the information provided to me in the XX/XX/2020 letter regarding the terms of my deferment. XXXX XXXX most recent communications have not only contradicted the XX/XX/2020 letter. Wells Fargo has contradicted the content of multiple conversations I have held with several Wells Fargo representatives by phone over the course of the past 17 months. In an effort to resolve this dispute, I have requested in writing that Wells Fargo provide me with notes and audio recordings that Wells Fargo representatives have been required to take of my phone conversations with Wells Fargo during that time frame. Wells Fargo refused to do so by asserting that my request is overly broad and burdensome. Wells has not acted in good faith by not offering me any portion or any time period with respect to the notes and recordings I have requested. 

Wells Fargo has informed me on at least three occasions that they would further research this matter and provide me with a written response as to their findings regarding my dispute. However, Wells Fargo has not yet provided any findings to date and has failed to respond within any of their represented time frames to respond.
Product: Credit card

Opened a Lowes store credit card. Have made every payment on time and maintained good standing with this company. Made a payment of {$2400.00} on XX/XX/XXXX. Went into the store today to purchase materials and the pro desk informs me Lowes closed my account. I have never had a late payment, nor a bad record with this company and they have closed my account for no reason. This will reflect horribly on my credit. Our request that they reopen the same account or completely delete this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX is holding XXXX XXXX responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. XXXX XXXX continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to XXXX numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Checking or savings account

Starting XX/XX/XXXX unauthorized transactions were being made on my PNC checking account through online purchases using my debit card number ending in XXXX. These are the transactions made in XXXX : XX/XX/XXXX {$82.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$380.00} XX/XX/XXXX {$110.00} I disputed these transactions and was issued a provisional credit. The debit card ending in XXXX was closed. On XX/XX/XXXX the provisional credits were removed from my account. PNC denied my dispute, I requested the reason and planned to wait for their documentation in the mail. 

On XX/XX/XXXX more unauthorized transactions showed up on my account. These transactions were online purchases, from the same merchant as my original dispute, and using the closed debit card ending in XXXX. I disputed this again with PNC and told them about the debit card being closed in XXXX. I asked how this is possible and they did not know. I also asked to appeal the denied dispute from XXXX. I was told the XXXX dispute was denied because a chip & pin was used. When I asked how one can use a pin & chip for an online purchase, they could provide no answer for this and agreed to file a new dispute for the XXXX transactions. I was instructed to wait for a response, which at this point I accepted. 

On XX/XX/XXXX more unauthorized transactions for online purchases from the same merchant and using the closed debit card ending in XXXX. I called to dispute again and requested this issue be escalated because this is very bizarre and I don't know how to make the unauthorized transactions stop. PNC also does not know how to make the transactions from the closed debit card stop, but they refused to escalate this issue. Here are the XXXX transactions : XX/XX/XXXX {$28.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$82.00} XX/XX/XXXX {$340.00} This has created an emergency situation for me. Now I have no money to my name. PNC has used this difficult time for me as an opportunity to sell me on their credit card. I was advised to sign up for a credit card with PNC so I can sustain myself until my next paycheck. Otherwise I have to wait for their investigation, all while this unknown person/people can continue to overdraw my account, for which I would be charged daily overdraft fees by PNC. They are unable to keep my money safe and unwilling to escalate the issue to prevent further withdrawals. I fear if I close the account entirely, I will not receive an adequate investigation from PNC for my current disputes. 

I would also like to add that I have been a customer with PNC since XX/XX/XXXX. I have disputed 1 other charge in that time. That dispute was 5+ years ago and for a small amount of about {$200.00}. That dispute was accepted by PNC. I do not regularly dispute my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about deleting my information, then putting it back on my credit file. They are in violation of 15 US Code 1681 ( i ) ( b ) ( ii ). I did not receive any notice in writing within the 5 business days after the date of the reinsertion. It was deleted then reinserted back the same day. Then I wrote a letter expressing how it was wrong to reinsert information on your credit file without notice. I never got a responds. Section 611 ( a ), it is expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 76 days so they need to deleted this promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Bank account or service

I went to XXXX XXXX XXXX on XXXX/XXXX/16 to have XXXX tires installed and a wheel alignment. When I pulled away I noticed immediately that my car was pulling hard to the right and that the tires were making an awful amount of noise. I took the car back to XXXX the next day and told them that I was unhappy with the noise of the tires and that the car was pulling hard to the right. I was told that the tires being noisy was normal. The tires make a loud whining noise which gets worse when I turn. It sounds like the tire 's are rubbing against the inner fender. I checked the wheel well and saw that nothing was close to even rubbing against it. I left the car there to have the alignment corrected. I picked up the truck and again when I drove away the car was pulling to the right. I tried speaking with XXXX customer service but was hung up on multiple times. I spoke with the manager at their XXXX location and he told me that the truck was to long and tall and that none of the XXXX locations have the proper equipment to do the alignment properly. I had to go to an alignment shop which I have the receipt to show proof that I took the truck there. I ended up filing a dispute with my bank capital one. They denied my dispute and they did not give me a reason why. All they did was send me a copy of my receipt. I wrote a letter and sent it to them explaining the problem and a copy of the receipt from the shop I took my truck to have the alignment done properly. I called and they said that they were not going to look into it any further and that the dispute is closed. I did not spend {$1100.00} to have annoying noisy tires and an alignment that could not been done properly.