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

I called Ally Bank to close my savings account with them. I spoke with someone named XXXX and told them I was closing the account. She proceeded to close the account but stopped because she " saw '' a pending transfer. I had been trying to fund the account and had spoken with Ally Bank twice about a transfer, only to be told they did not see the transfer. To hear that they now saw a pending transfer only when it would mean that my account would not be closed appeared to be a delay tactic to prevent me from closing my account. I called my current institution and they confirmed there was no pending transaction to Ally, again confirming that all Ally Bank was doing was preventing me from closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Transunion in regards to an unrecognized Bankruptcy. A fraud Alert has been placed on all three credit files, however Transunion is currently reporting inaccurate information. I have requested that Transunion validate the Bankruptcy as per section 609 of the Fair Credit Reporting Act. I have also contacted the County Clerk of XXXX County to verify if any Bankruptcy has been registered to either myself or my husband and no such case is showing open and/or closed. I don't see any other credit bureaus reporting inaccurate information only Transunion. Please resolve this issue immediately, this issue has been the reason why we have not been able to qualify for our first home as First Time Home Buyers.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected rights to privacy and confidentialiy under XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish my account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following information. Any other adverse item of information, other than record 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, credit repair services, or other personal consumer reports

XXXX credit card company is reporting an account on my credit reports with Equifax and XXXX. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!
Product: Credit reporting or other personal consumer reports

As specified by the FCRA 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the consumer and XXXX, XXXX, and Equifax are consumer reporting agencies. I the consumer have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of these customers nonpublic personal information. XXXX and XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX and XXXX the financial institutions and the consumer reporting agencies XXXX, Equifax, XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, XXXX, and XXXX whether it be verbal, nonverbal, written, or implied is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffilated third party unless the consumer is given an explanation of how the consumer can exercise a nondisclosure option. XXXX and XXXX never informed me of my right to exercise this nondisclosure option. Also 15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s ( 2 ) ( A ) ( 1 ) ( A ) states 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 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer report to the purposes listed under section 1681b of this title. 20 USC 1232 ( g ) ( b ) protects the privacy of student education records. Financial history can not reported without the written consent of the person who it belongs to. XXXX, Equifax, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this same account on my XXXX file multiple times it is linked to a fraudulent activity being used with my name and social security number. Im resubmitting this information just in case XXXX havent already received my other documentation. Theres also a checking and savings account reporting on my consumer reports for XXXX XXXX and Chexsystems consumer reports and state on this is in my identity theft report which I will provide a pdf for.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been trying to get items removed from my credit report that these third parties, I.e credit bureaus are holding on too. These items are causing hardship in continuing in commerce as well has been a defamation of character in addition a serious lack of confidence in the banking system especially when there is NO mention of a FICO, or XXXX score in the FCRA, FDCPA or TILA. 

I, XXXX XXXX XXXX, the natural person, living man, flesh and blood, am the authorized representative ( cardholder ) for XXXX XXXX XXXX ( Social Security Account ; credit card ) # XXXX. I never gave written or oral consent or was consent received from a court of competent jurisdiction to have my personal identifying information ( social security number ; name ; address ; etc ) be shared to these third parties ( credit bureaus ). This is identity theft per 12 CFR 1022.3h. In addition this is trespass and INVASION of of the consumers legally protected interest ( PRIVACY ). I XXXX XXXX XXXX the living man have all power above these companies and demand my request be honored. I am the CREDITOR per the FDCPA 15 USC 1692a ( 4 ) These are my written instructions per 15USC 1681b ( a ) ( 2 ) to EQUIFAX regarding my consumer report. Letter attached In addition Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from the consumer credit report. EQUIFAX is in violation of this code.
Product: Debt collection

First of all, this happen in 2015, and the attorney is uncredited. Secondly he is trying garnishing my only income that I work for my son as a XXXX XXXX XXXX. Thirdly I went to court on it and was unable to contact them by XXXX, so the court granted him whatever he asking for the complex that he is claiming more money than was ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a complaint to Equifax that I noticed my score dropped XXXX points on XX/XX/XXXX. I had No Credit Requests on any of my credit reports for the entire year of XXXX. I had No Late Payments on any of my credit reports for the entire year of XXXX. I had No Closed Accounts on any of my credit reports for the entire year of XXXX. I had NO Negative Impacts listed on any of my credit reports for the entire year of XXXX. So, I contacted Equifax via their website to inquire why my credit score dropped with No Negative Impacts showing on my credit report. After receiving a case number by email from Equifax, I called them to find out what happened, but they said the case number I received from Equifax by email was not valid and must have been from a different part of Equifax which they could not identify. There answer at Equifax was " This is not a small company, so it will be impossible for me to find out who is handling your complaint. '' I submitted a complaint with XXXX on XX/XX/XXXX that perhaps my identity had been stolen or an error was made on my credit score because no negative impacts had been recorded for years. I received a call from them on XX/XX/XXXX when they said I can not dispute my credit score and there could not have been an error on my score, nor could their have been any identity theft. However, they continued to say that the reason my score went down XXXX points on XX/XX/XXXX was because there are XXXX closed accounts listed on my credit report. I informed the XXXX employee that the last of those closed accounts was from XXXX, they were all closed in good standing, they certainly hit my credit incrementally and independently soon after each 's closing date, and most obviously, it is preposterous to suggest that this would all be processed 3-5 years after the fact and would have such a drastically negative impact on one 's credit. Clearly, the only thing that should bring someone's credit score from XXXX to XXXX at one time would be a Bankruptcy. 

I submitted a complaint electronically to XXXX  on XX/XX/XXXX as well, but received no response, not even recognition that my complaint is being processed.
Product: Credit reporting or other personal consumer reports

This is my third time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have been making my mortgage payments each and every month on time, and have even put in an extra {$100.00} each month towards the principle. I started making my payments in XXXX of 2014. I found errors on their invoices about the due dates that was two months ahead. I let the lender know that this error was on their invoices. About six months ago, the lender sent me a letter stating that I had missed a payment, but after going through with their dispute department, they realized that were wrong and that I had made all of my payments on time which they said they had corrected. But after looking at my future invoices I realized that my principle balance had n't gone down between my payments. The lender has gone back and un-applied some payments and reapplied them back again, but are wrong in their calculations and have caused me to be short on my escrow which has raised my monthly by almost a hundred dollars a month. We are in dispute right now and my original lender has been trying to work on my behalf to correct these errors to no avail, even though my original lender sees the errors, but has been unable to explain to me why this is so. I have just received another letter from this lender saying that they were transferring my loan to another company, I believe this company knows that they are at fault for these errors but some reason, they are unwilling to correct them and passed the loan off the someone else.
Product: Mortgage

For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender.
Product: Debt collection

Received a call from XXXX XXXX on XXXX/XXXX/2015 from Arnold Scott Harris debt collector. I was not aware of the outstanding debt for XXXX ride on XXXX/XXXX/2015 from XXXX XXXX. I never received a bill and XXXX would not give me any information regarding how I could get a copy of the bill. I searched and found the number of the XXXX XXXX XXXX and talked to XXXX. She verified that the address XXXX city ) they had on file was incorrect which explains why I never received a bill. She also said she could not send me a copy of the bill and told me there was nothing XXXX XXXX XXXX could do.
Product: Student loan

XXXX XXXX XXXX To : FSAOperations XX/XX/XXXX at XXXX XXXX   XXXX XX/XX/XXXX at XXXX XXXX To the U.S. Department of Education ; I seek loan forgiveness ( discharge ) based on borrower defense to repayment. 
Currently I have an XXXX XXXX as a XXXX XXXX XXXX XXXX XXXX from XXXX. 
I XXXX XXXX XXXX ( XXXX ) believe the XXXX School committed fraud by doing something or failing to do something, misrepresented its services, or otherwise violated applicable state law related to my loans or the educational services I am paying for. 
The government on Thursday XX/XX/XXXX essentially made the case that XXXX has done that, inviting former students to request loan forgiveness. 
As a current job seeker, I worry that my degree has been discredited. I also consider the cost I am paying way too expensive for what I got from the now defrauded, since-shuttered for-profit chain. 
I fear that my education is being devalued by XXXX 's impending collapse. The schools misconduct forces me into this cause of action because it directly relates to the loan or to the school 's provision of educational services for which my loan was provided. 

Sincerely ; XXXX XXXX XXXX XX/XX/XXXX SS # -- - -- XXXX Address - XXXX XXXX XXXX, XXXX, IN. XXXX XXXX - XXXX ( XXXX ) XXXX email XXXX XXXX - XXXX, XXXX, OH. 
Program of Study - XXXX Recieved - XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Degree Dates of Enrollment - XX/XX/XXXX to XX/XX/XXXX I am replying to whom it may concern ; Please contact me at XXXX or ( XXXX ) XXXX, have you settled my case? Do I still owe over {$14000.00} on a degree that the Federal Government backed and now the accredited XXXX XXXX no longer exists? 

I need you to verify Navient 's statement : XXXX XXXX XXXX, the payment term for your loan ( s ) has changed. 



Next payment amount : {$130.00} Next payment due date : XX/XX/XXXX This payment schedule replaces all previous schedules for this loan ( s ) and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

Payment terms usually change for one or more of the following reasons : The deferment or forbearance period during which you have postponed making your monthly payments is about to end.
Product: Checking or savings account

i open accounts at navy federal credit union they froze all accounts for no resend at all and credit cards and loans and refuse to take payment on my loans
Product: Credit reporting or other personal consumer reports

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax refuse to unlock my credit and refuse to accept that I am me. So, I have no way to fix this because they won't accept that I am me!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unsure who opened a XXXX XXXX  account in my name but it doesn't matter because I've never serviced with XXXX XXXX I don't even watch tv. Item was deleted by Experian in XX/XX/2020 but showed back up on my report in XXXX by different creditor. This is against the Fair Credit Act. My upload is the deleted file and a screen of the random account showing up on my credit attached with XXXX XXXX name on the account. Please don't let Experian get away with this. Thank you
Product: Credit reporting or other personal consumer reports

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


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

I demand the late payment to be updated.

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

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


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX refuses to update their files and correct my credit reports. They are reporting 2 XXXX loan accounts ( with co-borrower XXXX XXXX ) as open with a balance, when in reality both accounts have been closed for almost a year and have XXXX balances. I have attempted to resolve this with XXXX via postal mail, email, and telephone, but they will not correct the information. During a telephone conversation on XXXX XX/XX/2023, a representative from XXXX verified that my account with them was closed. She said they would investigate and correct my information, and that someone from XXXX would contact me in 24-48 hours. None of this happened. I have also tried to dispute the 2 incorrect credit report entries with Transunion, XXXX, and XXXX, but all they do is say the information is accurate and to call XXXX. Here is a short history of the loans : The co-borrower and I had student consolidation loans transferred to XXXX from the Dept of Education, then XXXX transferred our loans to XXXX ( at which time XXXX closed the accounts in their systems ), our loans at XXXX were completely paid and the accounts closed in XXXX 's systems. The Dept of Education and XXXX have reported the accounts to the credit bureaus as being closed with a XXXX balance. XXXX refuses to do this.
Product: Credit reporting or other personal consumer reports

I DON'T RECOGNIZE THIS HARD INQUIRY BELOW: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a PNC custodial account set up for my daughter in MY name and hers. My soon to be ex-husband was somehow given information about said account from the branch he banks with.