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

I recently was involved in a private legal settlement and deposited the checks from the settlement into my Chase bank account. The funds were deposited into my accounts but now Chase is closing my accounts and is refusing to release the funds because they were unable to verify the checks. I called them everyday for XXXX weeks to try and prevent them from closing my account and they asked me for numbers because the number associated with the checks in their system was not picking up. I provided them several different numbers, but they refused to call any of them and told me none of the numbers provided were verified. I got all the numbers from the company 's lawyer, including the number of the person who signed the checks that I deposited. No one from Chase has called these numbers despite them asking me to find them. They say they are not verified and that unless I can provide a verified number my account will be closed. As of today both my checking and savings are closed and Chase is holding on to the funds. They are calling one number that is associated with the checks in their system through the CA Secretary of State, is what I was told, but it has been nearly XXXX weeks and no one is picking up from that number. They want me to get someone to pick up from that number or get another number. I am stuck because no one at Chase is calling numbers they asked me to get for them in order to verify these checks. The other party in the lawsuit confirmed that the funds left their bank and are in my account, Chase is just not letting me access it and is not giving me a solution. To top it off Chase has been extremely rude and they keep moving the finish line. I have been calling them constantly and I have broken into tears several times. One manager told me over the phone crying was not going to help my case. On Tuesday I went into a branch, they called the other party in the lawsuits lawyer and verified the checks and I was told my accounts would be reopened. However, now my accounts are closed and they are holding on to the funds. Several times I have been told that the lawyers number worked to verify the checks and to call back the next day to check my account is re-open and when I check back in they ask me for another number because now the lawyers number doesnt work. I was also told the number for the man who signed the check would work and when I got that for them, they said it didnt actually work.
Product: Payday loan, title loan, or personal loan

I was taken a look at my XXXX and I see I have a collection debt account for {$480.00} from AD ASTRA RECOVERY SERVICES for XXXX I have no knowledge of this company account with AD ASTRA RECOVERY SERVICES for XXXX  XXXX taken in XX/XX/2017 This collection on my credit report is hurting my credit score and I would like it removed permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. Please remove the following accounts from my file.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, TransUnion, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts, XXXX  XXXX XXXX  XXXX Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
I have all the evidence attach below.
Product: Mortgage

Citizens Bank held a Boat mortgage for about 13 years on a 15 year loan. The loan was paid off early, but they ( Citizens Bank ) lost the boat title. Now they want me to have run around after it. Which I did. I asked the banks customers department for my time and expenses. The flatly said no, that the Title was my problem. 
The bank, Citizens Bank, told me the lost my title, and it is my responsibly to go and get it and to pay for it as well. They issued a " Release of Lien, " Instead. My account # is xxxxxxxxxxx, and their phone # is XXXX. 
I was never late in 13 years of a 15 year loan, and they had my boat Title as Collateral all of this time. 

I have since drove around and received my title after sitting in a D. of M. V. office for nearly 2 hours, and paid the {$36.00} for a replacement title. 
I have since the bank to reimburse me {$150.00} for my time and travel, and {$36.00}, for the replaced Title. I think that the {$180.00}, is extremely fair, however this amount will go up as I spend more time on this issue. 

My XXXX regression is ; XXXX XXXX, I need help, as I am on XXXX and ca n't go running abound, especially for their mistake. 

My name is XXXX xxxx, xxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxI have the Release of Lien if needed ( a copy, ) as I now have gotten the Title myself. 

The bank in question ; XXXX XXXX XXXX XXXX. XXXX XXXX, RI XXXXThank You, XXXX XXXX ; Citizens Bank.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name- XXXX XXXX Account number- XXXX Account name- XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX XXXX XXXX  Account number- XXXX Account nameXXXX XXXX XXXXXXXX XXXX Account number- XXXX Account name- XXXX XXXX XXXX Account numberXXXX XXXX Account name- XXXX XXXX XXXX Account number- XXXX Account name- XXXX  Account number- XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ;XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was hacked due to XXXX  & Experian breach the accounts that were in my bankruptcy reappeared delay payment the accounts were all deleted and then reappeared I was not notified by XXXX in five days that they were going to re-put what they had taken off back
Product: Credit card

I was late on my Barclays JetBlue plus payment and was charged a late fee, however it was not 30 days late and therefore shouldnt have been added to my credit report. I made my minimum payment on the XXXX of XXXX and it posted the XXXX. My due date was the XXXX so it should not have been considered 30 days late. Please remove this inaccurate remark from my report before I consider legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax released my identification without permission. I contacted Equifax immediately. They said wait till XX/XX/XXXX. I signed up for the Equifax protection. XX/XX/XXXX I recivec an email to verify. Nothing happens. Equifax refuses to answer any national telephone line. I want them to remove my information from their computers or tell me where to send my invoice to them for my information. HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX : # XXXX has violated my rights. 

I looked at my XXXX, TransUnion and XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 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: Credit reporting or other personal consumer reports

Hello, I am contacting on behalf of the hard inquiries made unauthorized and unverified on my credit report and I would like them off please.
Product: Mortgage

About XXXX years ago I went through the whole process for the purchase of a manufactured home and the loan was with the Vanderbilt company. At that time I sent all my income information. I was first opting for a mobile home larger than the mobile home that I ended up buying because of my income problem. As I explained at that time, my income is based on XXXX and I get paid once a month. Up to this point I have never missed a payment, only that there have been several times that I have been late with the payment but I have always done it. I was one of those affected by XXXX XXXX in South Carolina, and at that time I asked them to help me and forgive me a payment like all mortgage banks do. Since then they have been very hostile to me and they are harassing me with threats and according to them they are worried about my income which as I told them yesterday is the same income that I showed them when they gave me the loan. They treat me as if I lied and they even tell me that I am not paying. They even told me yesterday that I should look for someone else and rent it on my property, which I find disrespectful. They also suggested that I sell the house that they financed me, or that I exchange it for a smaller one, which is also disrespectful to me, because I have told them that I will continue making the payments, but they have harassed me with calls and interrogations that are too personal according to them because of their concern for my economic condition, which I repeat is the same as when they approved the loan for me. On the other hand, the first year I paid the property taxes and they charged me the same, and this year on XX/XX/XXXX I paid {$2200.00} for the property taxes and they offended me because according to them, I couldn't do it, but rather they were the ones who had to make the payment and even so they raised my monthly payment, and on the other hand, they are charging me a fee of {$120.00} per month that they can't explain to me exactly what it is for. Also, since then, I have been paying more than {$120.00} per month. The first few months the mobile home has had structural problems. I contacted the insurance company that they themselves provided and they told me that they do not cover structural problems, which in my opinion is also a scam. I have in my possession the letter that I received from the insurance company when I made the claim. On the other hand, the interest is extremely high, 11.05 % and they do not offer refinancing as they promised me when we made the purchase. They are leaving me without options. I hope you can help me. I have photos of the damage to the house and the insurance letter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to look properly at the documents that I've to understand what happened to me and my credit report.
Product: Vehicle loan or lease

We had this loan since XXXX and never missed a payment until 2 years ago they repossessed it. We paid all the fees and got it back. we were good until this past year when I lost my job. I did get another job and tried to make payments and the bank has already charged off the vehicle and never told us. They have been calling us and trying to work a deal out as the lowest they would go was $ XXXX. They wanted 4 payments of {$1600.00} each, something like that and there is no way we could do that. They are now going to repossess the vehicle and give both me and my daughter because I was a co-signer a 1099-C. I understand the concept as credit cards do that, but how can they give us both a 1099-C? That is over {$16000.00} between the both of us. We owe {$8300.00} and we have tried everything, sell it, auction it, trade with dealer. No one will give us not even {$2000.00}. The dealer will only give us {$1500.00} and that was 3 dealers. I can not get the car inspected, it needs so much work and I am afraid to put the money into it and then they take it. All these months I could have been making payments I could have afforded which was $ XXXX/month. could not because it is charged off already back in XX/XX/XXXX or sooner. Not sure exactly when. The interest rate is 16.99 % and they have made their money 10 times over. What can I do? I want it fair and legal. We do not get statements anymore for a long time so I do not have full account number.
Product: Credit reporting or other personal consumer reports

Account still reporting a balance with one of the bureaus. Showing different account numbers for the same account. Last reported date is wrong and showing that no information has been updated or reported. Balance is wrong. Account is paid and closed. Cant be a charge off account in May then reporting that its OK and in good standing in XXXX and then back to a charge off account in XXXX. And reporting a {$800.00} balance when its supposed to show a {$0.00} balance!
Product: Checking or savings account

A bank account was opened by Frost Bank that was not authorized by me. I received a debit card in XXXX and bank statement on XXXX with a total of XXXX. A second bank statement issued on XXXX shows activity that I did not do or initiate. There are XXXX electronic deposits through XXXX for account verification of XXXX and XXXX on XXXX. There is a electronic deposit transfer of XXXX for XXXX. I never authorized opening this account and plan to contact the bank to investigate how it was opened and to cancel the account.
Product: Credit card

This is regarding XXXX XXXX XXXX handling my transaction dispute case. I would appreciate any help. 
XX/XX/XXXX : I purchased shoes totaling {$190.00} from XXXX XXXX. 
XX/XX/XXXX : Due to the shoes not fitting, I returned them using the provided return label. 
XX/XX/XXXX : After some wait, I received a refund for the returned shoes. 
XX/XX/XXXX : Unexpectedly, I noticed another charge of {$190.00} on my account from XXXX XXXX, without any prior notification or explanation. 
Despite numerous attempts to reach customer service, including long wait times on hold, I was unable to resolve it with a representative. 
XX/XX/XXXX - XX/XX/XXXX : I escalated the matter by opening a dispute with XXXX XXXX ( which I used to purchase the shoes ) providing all necessary evidence, including screenshots of conversations with XXXX XXXX confirming receipt of the returned shoes. 
XX/XX/XXXX : XXXX XXXX rejected the dispute without providing any explanation. 
XX/XX/XXXX : I reopened the case with XXXX XXXX and submitted additional evidence like tracking number of retuned shoes yet it was rejected again without clarification. 

I am deeply frustrated and exhausted by this ongoing ordeal. Not only am I out of both money and shoes, but the lack of communication and resolution from apple is incredibly disheartening. 

I kindly request immediate attention to this matter and a swift resolution. Your prompt assistance in rectifying this issue would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$980.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX  XXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$620.00}, XXXX XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ; 2 ) XXXX XXXX, Inquiry Date : XX/XX/XXXX ; 3 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX.
Product: Debt collection

This company threatened to damage my credit so I paid {$500.00} as requested for deletion BEFORE it appeared on my credit file. I paid and they STILL reported it to my credit file. They agreed to not have placed this on my credit and they sent it anyway to all 3 credit bureaus which is damaging my credit score. They lied.
Product: Student loan

Sin ce Navient beca me my servicer, they have told me that my loans qualified for Income based repayment, which they did and I promptly enrolled, however, since I am eligible for PSLF Navient told that my loans were eligible for that program. Today I was told that it is not the case, and that my loans and years worth of being enrolled on the program will not count towards PSLF.  This took 3 hours and four different people giving me four different kinds of information. Navient should make two years worth of interest payments on my behalf and those two years should be counted towards my PSLF program. This should be illegal and could potentially cost me thousands.
Product: Credit reporting

I got an alert from Transunion about a collection account filed from XXXX XXXX , XXXX for {$300.00}. This account was deleted from XXXX on XXXX/XXXX/16, an XXXX request to delete was submitted, why is this account now showing in Transunion. The compliance offer from XXXX XXXX said this is a mistake and should be removed, you can reach him at XXXX XXXX XXXX.