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

I received a tax refund check in the mail. Opened a chase account, deposited the check on XX/XX/XXXX and they automatically stated the check was fraud and my account was restricted. I called multiple times and every person that answered said something different. The check cleared XX/XX/XXXX, wasnt able to make any transactions. Until i finally went into the bank XX/XX/XXXX the operator the day before said to bring my tax transcripts in to verify my check. The banker faxed the transcripts to a higher up. Called the next day another operator stated they dont even accept paper being faxed in. Banker informed me after all this time that even though my account was restricted i can still withdraw money. The next day chase closed my account with a statement on the account saying debit dda-check charge so i called and they said they was sending a check in the mail. Days go by and nothing. So i called again they said they still cant verify the funds so a check can be mailed out even though XXXX of the operators said she verified my check. Now chase is holding on to my money saying they cant verify it even though i sent documentation and the operator verified my check over the phone. I even had to go into the irs to verify my identity on XX/XX/XXXX. Also have the email dated for that appointment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report
Product: Money transfer, virtual currency, or money service

I applied for a loan, and this fake company scammed me. They used XXXX  XXXX XXXX XXXX and sent a fake cashiers check, I deposited it into my Huntington national bank account, the money showed, and then I started to think it was a scam and I was done with it, since the money was still showing I told the person I was done and transferred it out with XXXX, and now all banks are doing nothing about it
Product: Student loan

I am being harrassed my my lender XXXX XXXX about making a payment. I informed them and sent my class schedule from the XXXX XXXX college website with my student number proving my enrollment. I have been enrolled and attending my local XXXX college since 2015. My school says that they send an update to XXXX and they refuse to do their jobs and update the information or reach out to XXXX when they need more information. I don't understand why I have to continutously do their jobs. They are now threatening to report my lack of payment to the credit bureaus. It is my understanding that I do not have to make payments while enrolled in at least 6 credit hours.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, according to my XXXX credit report, I opened a Kohls credit card. However, I only became aware of the existence of this card in XX/XX/XXXX, in the course of applying for a mortgage to purchase a home. My mortgage broker said that I owed ~ {$450.00} associated with a KOHL 's credit card, and that it was negatively impacting my application. I called Kohls in XX/XX/XXXX and they told me that they had sold the account to a collection service in XXXX. I asked them to please send me a copy of the credit application so that I may review signatures to authenticate. They said they were not able to do so. I asked Kohls to research the dates/times of transactions on said card and search video of associated purchases to investigate. They said they were unable to do so. They reiterated that my complaint must be taken up with the collection service. When I contacted the collection company which Kohls hired they stated that they could help only after the debt was paid. So in XX/XX/XXXX I made a payment of ~ {$450.00}, and I pressed on with my research. My former wife and I separated in XX/XX/XXXX. My theory is that she took out the card in my name. She managed all of our financial affairs. I'm in an awkward position as the non custodial Father to our XXXX children. It would be extremely detrimental to my relationship with my children if I were to look to the courts for relief. I have no knowledge of the card. I've taken the high road and paid off this debt. In the absence of an original credit application or video evidence of purchases I allegedly made, it is my wish that Kohls would correct the record and delete the negative reporting associated with this fraudulent account opened in my name. Currently, my credit shows four late payments in XXXX, and two late payments in XXXX, and then a charge off in XXXX. The charge off incidentally happened in XXXX, and not in XXXX, according to my conversations with Kohls and according to my conversations in XX/XX/XXXX with the XXXX XXXXXXXX XXXX which they sold the account to in XXXX.
Product: Credit card or prepaid card

I am getting emails that I owe Citibank {$88.00}. I have not used the card in months. I can't find the card and I can't get into the account. citibank took taxpayer money for bailouts. Where is my bailout?
Product: Credit reporting or other personal consumer reports

XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ fax ] XXXX [ e-mail ] are attempting to seize my property and {$80000.00} deposit, plus payments made to XXXX XXXX  after commencement of XXXX in XXXX XXXX. XXXX XXXX  received additional payments to prevent the bank from selling XXXX XXXX XXXX, XXXX, MA, at auction. The court in XXXX is aware of financial abuse by XXXX XXXX and XXXX XXXX, and of their having made misstatements under oath regarding those responsible for the mortgage payments, My credit has been impacted negatively. 
This is not my debt.
Product: Credit reporting or other personal consumer reports

My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, Equifax, and XXXX The student loan company reported a one time 90 past due late payment on XX/XX/year>. How can the payment be 90 past due late on XX/XX/year> but in XXXX, XXXX, XXXX, XXXX, XX/XX/year> the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report, inquiries ran without my consent need to be removed they are attached below. Only inquires authorized that are attached are XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft in XXXX my car was broken into my wallet was stolen along with some of my personal items.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 Account Number : XXXX and list of Inquiries. 

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 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.
Product: Mortgage

Rushmore loan management will not provide us with a timely and updated copy of the last 12 months worth of payment history for us to have our new mortgage approved. We filed a notice of error because our payments weren't being debited, this seems to have been updated, but Rushmore will not provide us with paperwork with the accurate updated payment information. They also refuse to communicate through email or written channels, which is very sketchy. We need this information for our new loan and they will not give it to us. Their online portal is supposed to provide thisinformation, but just keeps directing us to their very unhelpful customer service line. We need this information as soon as possible ( 12-month payment history ), and we need it to be accurate. Requesting this paperwork should not be such a hassle, and we should be provided it in a timely manner, considering this is often a part of the loan approval process. 

Servicer : XXXXushmore Loan Management Services Name : XXXX XXXX XXXX Loan Number : XXXX Address : XXXX XXXX. XXXX XXXX, PA XXXX Social Security Number : XXXX We have put in a request via fax, with a number that was given to us, and I'm attaching it below. 

I'm also attaching previous proof of incorrectly debited payments, from our previous notice of error and complaint we filed. That is the zip file that is attached. The portal seems to have resolved, but again we have no statements or copies of payment history to prove this. I'm attaching screenshots to show the lack of available documents in the portal as well.
Product: Debt collection

I contacted Rent Recovery Solutions after receiving an alert of a collection attached to my social security number on my credit report. After learning that this was an account for 1 ) a lease that I never signed for residency 2 ) City and State were I have never resided 3 ) attached to a name that is not me. After the representative become combative, I decide to write a letter to this company, Rent Recovery Solutions that I have absolutely no dealings with, nor the client that they are representing, XXXX at XXXX. Rent Recovery Solutions stated that they purchased the debt from XXXX at XXXX and that the debt belongs to XXXX XXXX. I received an ineffective response in writing from Rent Recovery Solutions. I'm extremely perplexed as to how a debt belonging to another person whom I do not know is on my personal credit file and social security number. When I requested the contract/lease, any supporting documentation for this action, my request was not honored. I would like to receive assistance prior to filing a complaint with the circuit court for the Common Wealth of Virginia for this matter. I'm extremely upset about this and I will not allow this company cause this harm to my credit.
Product: Debt collection

I was texted by this company. 

As a result I called and told the representative I do not have any outstanding debt collections. She stated it was for some woman named XXXX and asked if I knew here. I told her no, I am not that person, and I do not know her and to take me off their contact list. I also stated it is illegal to call someone who isn't the intended recipient for the debt and also ask for the information she was requesting. I also stated I am reporting her to the FTC, CFPB, and the police. 

She was very rude and continued to ask about XXXX 

I told her to XXXXXXXX XXXX  and to tell her XXXX XXXX owner to XXXXXXXX XXXX and stop contacting me and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX, US DEPT ED XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX I received a very threatening collection letter in the mail claiming that I owe XXXX {$550.00}. I owe XXXX {$0.00}. I have attempted to investigate this matter with XXXX six times since yesterday, but I have not received meaningful contact from XXXX. I was also on hold with the XXXX Collection Department for ninety ( 90 ) minutes today. The attached letter is an attempt to scare me as a senior citizen into paying for something I do not owe. Also, IF I owed anything to XXXX, I would have been notified directly by the company first. Finally, XXXX issued me a refund of {$49.00} on XX/XX/XXXX for a balance on my CLOSED account that XXXX owed me. 
The attached threatening letter has upset me greatly and caused my husband and I unnecessary and unwarranted XXXX  and XXXX. PLEASE HELP ME.
Product: Credit card

This letter serves as a formal notice of dispute THE DENIAL of my extention of credit due to my XXXX score which is discrimination and against XXXX XXXX  IM EXERCISING MY RIGHT TO rescind the consumer credit transaction I entered on XX/XX/year> for an open ended line of credit involving the acquisition of the platinum credit card Grounds for Rescission : My right to rescind this transaction is based on the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1635 ( a ). This section grants borrowers like myself the right to rescind within the earlier of : Midnight of the third business day following the consummation of the transaction ; or Delivery of the required TILA disclosures and rescission forms.

Failure to Provide Required Disclosures : I have not received all the disclosures mandated by TILA. Notably, I am missing the following : A clear and conspicuous disclosure of my right to rescind the transaction.

A copy of the Truth in Lending Disclosure Statement.

A copy of the rescission form.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reports are wrong. I have complained to the FTC and XXXX were suppose to remove the loan from my credit because it is not mine The signature looked like a child signed it because it was printed.
Product: Consumer Loan

CHASE AUTO MADE XXXX HARD INQUIRES ON MY CREDIT REPORT WITHOUT MY CONSENT
Product: Payday loan, title loan, or personal loan

Took out a {$300.00} loan at XXXX XXXX XXXX, IN. 3 months later I had a discharged bankruptcy. Loan is still showing on Indiana small loan data base. I Contacted company and their collection agency several times. Collection agency said they would take care of it and have it removed. She never did. She will not return calls or answer my call. All I want is the loan removed from the Indiana small loan data base, because it was discharged in a bankruptcy. 

I do not have my loan documents, because this is over 1 year old. Bankruptcy was discharged nearly 1 year ago also. XXXX XXXX has my loan information, because I have been in contact with them recently. As of XX/XX/2018 loan was still not removed from IN small loan database.
Product: Vehicle loan or lease

XXXX- XXXX XXXX need to be removed immediately. This vehicle was sold. There is no balance. This account is reported inaccurately on Transunion, XXXX and XXXX. These need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX, EQUIFAX, XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX Account number : XXXX XXXX XXXX number : XXXX XXXX tracking Number : XXXX XXXX tracking number : XXXX Equifax tracking number : XXXX
Product: Credit card or prepaid card

Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.
Product: Student loan

I have student debt that I took on under the belief that it would be forgiven after working in public service and making income baed loan payments for at least a decade, under the XXXX XXXX XXXX XXXX ( PSLF ) program. Throughout the past few years, things have been changing with payment plans. I was on the Pay As You Earn ( XXXX ) plan for many years, and then when the new Saving on a XXXX XXXX ( XXXX ) plan was rolled out last year, I was convinced to switch to it. However, it is currently held up in the courts, and so none of the past several months have been counting toward my XXXX forgiveness ; even if I forced myself off forbearance and made payments, they would not count toward forgiveness, and so there is no reason or incentive to make payments. However, I would very much like to continue to have months count toward forgiveness, and I would love to switch back to the XXXX plan that I was previously on for many years. I am happy to make the payments that are calculated based on my income, but instead I have been stuck in limbo for months with no power to move forward. 

Applications to switch back to XXXX were closed for several months, then reopened on XX/XX/XXXX. I applied that week to switch back to XXXX, and my application is still processing. On XX/XX/XXXX, the Department of Education sent me an email stating that borrowers whose applications take longer than XXXX business days to process will be switched into a XXXX  day processing forbearance that would also count toward XXXX. It has been well over XXXX business days since I applied, and I have received no word from my loan servicer, Mohela, about my application. I would like to be switched onto the XXXX plan, and in the mean time, I would like to be in the correct processing forbearance instead of the administrative forbearance I am currently stuck in that does not count toward PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma website has been down for about 2 weeks now, contacted company, did no good.