23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, Chase denied a purchase with my Freedom account ending in XXXX. I have been a customer of Chase for over 20 years, and have never had a purchase declined. I was given different reasons why the purchase was declined. One excuse put forth was the transaction was out of state. Because of this poor service, I cancelled my account with Chase Freedom ending in XXXX. Chase went so far as to email some of my financial information to a third party. They do not have my email account because I do n't have email. A complaint was filed with the XXXX, XXXX in New York state. Please contact me if you need additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a Tennessee XXXXXXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both XXXX XXXX and XXXX. On XX/XX/2022, my credit was pulled again by Suntrist XXXX XXXX. None of the incidents above did I initiate.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Sent in all the documentation required for a modification review on XXXX/XXXX/2015 and my lender is refusing to review the documents because of the foreclosure sale on XXXX/XXXX/2015. I had an authorized 3rd party call my lender on XXXX/XXXX/2015 and they stated that it was too close to request a postponed. They had previously reviewed me in XXXX of 2015, but at the time I was only a part-time employee. I have now received full time employment. Since my situation has greatly changed and I submitted the documents to my lender 11 days prior to the sale I am asking for them to postpone to allow for a proper review.
Product: Student loan

I filed an application for income driven repayment to access the public service forgiveness program in XX/XX/year>. I have 36 months of repayment banked toward the forgiveness. Based on information from XXXX my monthly repayment should have been calculated at the lesser of XXXX ; 20 % of discretionary income or standard repayment for 12 years. My payment was calculated at {$660.00} a month, which would have my loan repaid in 7 years, before I could ever access the public service loan forgiveness program. I have called multiple times a month to both my loan servicer and XXXX to have the issue resolved. I have file XXXX cases, resubmitted my repayment application 2 times, and contacted the omnibus. Everyone recognizes that payment amount is inaccurate, but neither agency takes responsibility for fixing it. I have been sent back and forth being told the issue had to be fixed by the other agency. I have asked to speak with supervisor or managers but have been told that those positions do not exist. I have instead had my loan on an administrative hold for 12 months trying to fix the problem, while my loan continues to accrue daily compound interests and I am unable to bank months of repayment toward loan forgiveness. I have not been given another option besides paying the higher amount or give up attempting to access the public service loan forgiveness program. I have no recourse for a mistake that wasnt mine but continues to cost me money monthly.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have failed to comply with the following provisions of 15 U.S.C. 6802 : Opt-Out Right : The company has failed to honor my right to opt out of the sharing of my non-public personal information with non-affiliated third parties. 
As a result of these violations, I have been denied credit and wrongfully closed accounts.
Product: Mortgage

chase employees are awful, rude and incompetent. me and my wife just spent over 4 weeks and it feels like XXXX hours of our time being transferred around and lied to. i do n't think many of there employees even where paying any attention to what i was saying it was a waste of my time and theres. The where just wanting in till it was time to go home. MY request was a simple information request about a check that we did not get. At any other company this take at the most a XXXX minutes. what did work was calling the CEO number XXXX XXXX XXXX. They will try to transfer you to a call center where the employees are again awful, rude and incompetent. Do not let them transfer you. Demand that the person that answer the phone updates you about the status of you case. the will lie to you and hang up on or put you hold. you may have to call a couple of times. this is the only thing that works. only till this CEO number is tied up will any of the departments help you. its sad i had to do that but no one else will help unless the people that answer this number time is taken up. my time is just as important as there. the should improve there customer service if the do n't what people calling the CEO number. Again do not let them transfer you. make the person who answer the phone get involved. also other numbers i got are XXXX at XXXX XXXX XXXX she is 1st level manger who helped me after 8 days. also call XXXX XXXX at XXXX XXXX XXXX he is at security and tell him you want him to get involved because there customer service is so poor. The government should break this bank up. my wife is XXXX and i am Veteran XXXX who works nights to help to pay for my wife 's school XXXX. if any of these employees got this level of customer service from me or wife it would be criminal. they should feel ashamed. we deserve better customer service.
Product: Student loan

I have on XXXX separate occasions tried to apply for XXXX ( XXXX ) plan with servicing utilizing Studentaid.gov as well as directly with the servicer Under the instruction that it would lower my payment to XXXX. I have filled out the proper forms on studentaid.gov as well as through the servicer directly. When I last spoke with the servicer they stated that the amount I would need to pay was going to be XXXX significantly lower than the latest correspondence I received ( XXXX ). I plan to call again XXXX  morning in hopes to rectify this issue but as this is the third time doing this I would like this to be investigated.
Product: Checking or savings account

I have been trying to get an issue with my account at Optum Bank resolved for months to no avail. I can not invest my HSA savings in either their Mutual Funds or Betterment options. Everytime I try, I recieve and error with no explanation. I've tried to call and message. Nothing is being done. The last time I called, I recieved misinformation that my company only allows investment through XXXX. My company employees XXXX people and has assured me we should be able to invest through Mutual Funds as well. Regardless, I have tried transfering my funds to XXXX which failed. No explanation. I have no way of confirming this but, it seems like a tactic to allow them to retain my money on the deposits portion of their ledger, allowing them greater leverage for investing to their own profit. In this time of stock market growth, I have been losing potential gains month over month while Optum does nothing to resolve the situation.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.
Product: Payday loan, title loan, or personal loan

This installment loan was taken out on XX/XX/XXXX with XXXX through Uplift. The loan was paid in full on XX/XX/XXXX. During the loan several opportunities offered by Uplift were accepted by me delay payment from time to time. However, I was never late to the point of being reported delinquent. Currently on my XXXX  report, the Account status says, NOT MORE THAN TWO PAYMENTS PAST DUE. I would just like the status to state, PAYED AS AGREED. I am grateful for the loan through Uplift. I just want the account status to be updated.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance {$320000.00} XXXX XXXX XXXX  XXXX Balance {$320000.00} XXXX XXXX XXXX Balance {$320000.00}
Product: Credit card or prepaid card

I received look like bill thank you for being a forever 21 credit card holder! I never shopped at Forever 21 and I don't own a credit card. I went on XXXX to find company then message then message Forever 21 they sent " Hey Forever 21 credit card accounts are issued by Comenity Capital Bank we're unable to check if you have an account. Please reach out to Comenity Capital Bank customer service for further details atXXXX ( TDD/TTY : XXXX ). XXXX at Forever 21. " I called number machine asking for last 4 digits of my social security. I waited for agent woman sounded foreign asked for my address I told her. Then asked for my last 4 digits social security then I hung up. I never shopped forever 21 I don't have no credit card. Please check them out seem scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect collection on my account. I have my own health insurance for years definitely something wrong with it. And the other two credit report company have been deleted this account for me.
Product: Debt collection

CBE COLLECTOR KEPT CALLING MY CELL XXXX AND MY WIFES CELL XXXX 13 TIMES AFTER CEASE COMMUNICATIONS THEY COLLECTING A DEBT FOR XXXX XXXX.
Product: Debt collection

Company Information : CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX CCS COLLECTIONS : have been calling and harassing me telling me that I owe them XXXX debts in the amount of {$97.00} and another amount of {$87.00} for XXXX separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!
Product: Debt collection

I, XXXX XXXX, a consumer, am notifying you that I dispute both alleged debts pursuant to 15 USC 1692g. XXXX XXXX XXXX  says this account was allegedly opened XX/XX/20 and LVNV Funding has a completely different date listed which is inconsistent further confirming their allegations are false. 

I do not recognize how these accounts are reporting on my credit report. I do not recognize the account numbers ; I do not recognize the account status. I also do not recognize the account high balances not the late payments associated with these alleged debts. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. 

Since these alleged debts are disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the Aggravated Value of Purchase showing how much you paid for these debts. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASZSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Transunion Credit Bureau on XX/XX/XXXX to advise I had filed a dispute with XXXX XXXX in relation to a recent XXXX item they reported. 

I think Transunion is sending the customer service for Americans offshore as someone sent me this spammy response email indicating they closed my dispute per my request. I did not request anyone to close this dispute. I requested the credit bureau to indicate correctly on the report that advised them this was a dispute. This company is engaging in fraud using my information for money and not providng proper customer service to resolve issues on behalf of consumers. The company did not verify or corroborate the XXXX  malpractice complaint related to this bill and a investigation thereof. 

This company is going down hill. They really need to 'Make It Great Again. ' and bring all the jobs back to the XXXX and pay people the right wages to do these jobs in the XXXX with people who understand the laws and rights of being an XXXX. 

TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A business impersonated my information to collect a debt, which wasn't my actual debt. Due to that I lost a months pay, It of direct deposit was not deposited to my account. Accounts with XXXX XXXX square Financial Services, inc and cash app and verfiying all my information with results not giving to my satisfaction, as *
Product: Debt collection

One main financial keeps increasing a loan that was already discussed. The continue to have a collection agent contact me posing as an XXXX and threatening me with jail time. One agent called to try and settle the debit after garnishing my full unemployment payment causing my bank account to reflect a negative balance. I had to call and report them after a week they called stating I needed to pay them {$3500.00} on a {$1200.00} loan or they would legally seize my car and bank account. After I spoke with unemployment they were forced to return the money to my account and called me again asking me to pay {$3000.00} or a lawsuit would be filed. Days later they sent multiple emails and phone messages with different amount I need to pay each time increasing it saying they would add {$100.00} interest every week I didn't pay. After asking them to stop harassing me they have kept updating my credit report stating this was a new debt which it has been over 7 years so it remains on my credit report. Please help
Product: Debt collection

No knowledge of account. Company dont provided information about the account or proof of debt
Product: Debt collection

Have been adversely affected by COVID 19 and worked out forbearance program with Prosper but was still reported as having a late payment to credit bureaus.
Product: Debt collection

They began calling me on XXXX/XXXX/XXXX for a past due first payment. My bill showed XXXX/XXXX/XXXX as the due date. When I received my 2nd bill on XXXX/XXXX/XXXX the due date said XXXX/XXXX/XXXX. So I called asking why my due date was ( a ) changed & ( b ) why I was not notified. The rep said she could not answer those questions. Her name was XXXX. I need to know when my bills are due in order to make timely payments. Montgomery Ward should not be allowed to do this arbitrarily.
Product: Vehicle loan or lease

This account was included in bankruptcy. the amount owed is being posted on my consumer report incorrectly and is causing me to have issues obtaining new credit
Product: Credit reporting or other personal consumer reports

I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF ON XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is reporting a credit card on my credit report that I never applied for. The account is said to have been opened in XX/XX/2018 and the address is listed as XXXX XXXX XXXX XXXX XXXX, OK 1. I have never lived there. 

2. This is a commercial address so obviously there is no way I could have lived there anyway.