23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XX/XX/2012, XXXX XXXX account XXXX, XXXX BANK account XXXX, XXXXXXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

My monthly is payment is due the XXXX of each month. According to the comp at a grace period is provided, however the company begins to call on a daily and multiple times a day before the payment is due. According to them they need to start collecting payment before the due date. Additionally when they call after the due date, they indicate a payment is due before the end of the month, which is before their grace period, otherwise it's negative reporting. This lender has also called references on my application, again before the grace period is up. This lender will not take a payment arrangement. They indicate they need my banking information right than and there to make the arrangement. I have previously spoke with their store manager and he has informed he is not sure why these are the calls I'm recieving, however the calls have resumed.
Product: Credit reporting or other personal consumer reports

Ive found several mistakes in my credit report regarding billing. These late payments dont correspond with my payment history. Please make the necessary corrections and update my account. Thank you!
Product: Credit card

My father ( age XXXX ) had XXXX XXXX take his personal information to open up a Citi credit card on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX XXXX made a transfer to my father 's XXXX XXXX XXXX credit card for {$3700.00} ( XXXX XXXX had also made XXXX large transfers on the XXXX XXXX XXXX card that were illegal and XXXX XXXX XXXX has refunded those charges ). I have been contacting Citi for several months trying to get this straightened out, only to be transferred to every department and get nowhere. XXXX XXXX had also opened a XXXX and XXXX card- doing the same large transfers, both cards have also admitted these cards were opened in fraud.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to verify an unverifiable account reporting to my profile and i request Equifax conduct an INDEPENDENT INVESTIGATION into this matter. I need Equifax to provide concrete proof/ any documentation provided by XXXX XXXX of this accuracy of this account and not hearsay.
Product: Vehicle loan or lease

I bought this car from XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, the car had too many problems to identify from a basic assessment without intense diagnostics. I have all paperwork came with & dealership maintained. XXXX XX/XX/XXXX XXXX seized take to XXXX XXXX XXXX, new engine rebuild & $ XXXX parts. 4 months to complete. Will attach all records. Car on the road only 3 months since ownership! 

Recently, after making last payment on XXXX XX/XX/XXXX, I was informed by XXXX XXXX of XXXX XXXX XXXX XXXX that my loan was purchased by Credit Quick of XXXX XXXX, NC. I immediately contacted XXXX XXXX through email, and given the number for XXXX at Credit Quick without a last name, which I specifically asked for this information!! She never called me back, but I got another call from another representative at Credit Quick, urging me to call them about their urgent matter! I conveyed to XXXX XXXX that I know Credit Quick is owned by XXXX XXXX XXXX XXXX, his fathers company, and he became defensive, asking me, who is this? My father recently passed away after ten years suffering with terminal XXXX XXXX, so I didnt have someone knowing more about cars than myself, and was taken advantage of in sales & financing! Since buying my auto loan from XXXX XXXX XXXX XXXX, I now have the initial loan + new loan doubling to {$37000.00}, according to my XXXX XXXX report. I have had XXXX this year & hospitalized twice for life threatening effects, plus quarantine times. This is a burden that I can not bear & must be stopped! These crooks must be stopped in their tracks!! 

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

I filed a complaint with CFPB already against Experian due to inaccurate information on my credit report I asked them to provide me with the purchase agreement or some form of proof that these debts belong to me I sent it certified mail and I have my receipt and copies it has been almost XXXX days and they refused to put a security freeze on any companies that they own denying me my right to privacy and did not send me proof of anything no documentation regarding my obligations or contracts I signed as it relates to my accounts my late payments were not updated to XXXX status no documentation or proof against any claim I made I still have XXXX negative accounts also that they still have on my report without giving me any proof or documentation and they still will not remove any inquiries that are not directly tied to an open account and remove all old phone numbers emails addresses and spellings of my name and update my information like they said they would do but never did
Product: Credit reporting, credit repair services, or other personal consumer reports

No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX  account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.
Product: Checking or savings account

My Ally Bank checking and savings accounts, as well as my joint checking and savings accounts with my husband ( XXXX accounts total ) have been frozen by Ally, with no estimated date for when they will be unfrozen. 

On XX/XX/2023, I deposited a {$7000.00} check sent to me by my aunt. The check was returned by the issuing bank, as they believed my aunt 's signature was not similar enough to her original signature. On XX/XX/2023, Ally removed the {$7000.00} from my account and returned it to my aunt. My aunt mailed me another {$7000.00} check, signing the check more carefully, and I attempted to deposit it on XX/XX/2023. On XX/XX/2023, Ally froze my individual and joint accounts, emailing my husband and me to call to verify information, and that my telephone banking PIN had been changed. They noted that suspicious activity had been detected, and that I would not be able to log in or transfer money out of my accounts. 

At the suggestion of their loss prevention call line, I spoke with my aunt. She called her bank and let them know that the check was legitimate, and they approved the check to be processed. I called Ally on XX/XX/2023 to let them know. My husband also called to request more information. 

However, Ally 's loss prevention call line will not provide any information on how long their investigation will take. 

My husband and I need to withdraw money, but Ally will not let us. We are unable to pay our mortgage and bills due to the accounts being frozen. We have already been hit with penalty fees for denied transactions. All of our funds are in these frozen accounts, and we do not have other bank accounts.
Product: Credit card or prepaid card

In XXXX of 2021 I opened a XXXX XXXXXXXX XXXX XXXX with Comenity bank. They advertised a {$50.00} store code and a {$75.00} free game code after I made a {$500.00} purchase. It's been three months and I've contacted the company with phone twice and email twice. They refuse to do anything. They say they can not help me and I should contact XXXX. I've been trying to contact XXXX directly for over a week and there is no answer from the phone number given. Comenity bank is using fraud by offering a reward and then not honoring it. I opened this card because they promised {$120.00} in free game codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a capital 1 credit card. I was faithfully paying it until my business failed a year or so ago I stopped paying for a while then got back on track when I got a part time job. My payment due date is the XXXX of every month. In XXXX, it got there on the XXXX, XXXX on the XXXX and XXXX on the XXXX. Sometimes, I pay from my bank account and sometimes from capital 1 site. The then decided to send my interest up to XXXX % which is rediculously high. Causing an interest of {$440.00} a month and a total payment of {$570.00} per month. Last year, I had asked capital 1 to settle when I had just come with a bit of money but they refused to do so. Unfortunately, I can no longer pay them as they do not want to work with my current financial situation. This hike is inreasonable.
Product: Debt collection

An account was opened by my mother with my information and the account was closed in 2016, over 7 years ago. I have received a letter regarding this account. I have verified through my states XXXX XXXXl that the Statute of Limitations of 7 years through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. This account has been discharged and resolved. Due to this account, I had to call the credit bureau because the wrong social security number was being reported to my file.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft Dear Experian, I am writing to formally dispute a fraudulent account listed on my credit report. The account in question is a XXXX XXXX credit card with the account number XXXX and a balance of {$5100.00}. I am a victim of identity theft, and this account is not mine. 
I request that you investigate this account and remove it from my credit report as it is a result of fraudulent activity. Enclosed are copies of my credit report, any relevant identification, and documentation supporting my claim. 
Please confirm receipt of this letter and keep me updated on the status of your investigation. I appreciate your prompt attention to this serious matter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I reported that I believed my account was hacked or at the very least had unauthorized activity. There were transactions coming out of my account for a merchant called XXXX XXXX  that I had previously put a stop payment on because I had not authorize them to take money out of my account and I was given a refund, but then XXXX more charges happened around XX/XX/XXXX. On XX/XX/XXXX, I tried to log into my account and was denied access saying that my account was restricted. I called. I went to the branch and I was told that I would receive a letter and I had to wait for the letter to come on XX/XX/XXXX I received the letter saying that my account was being Automatically closed due to a periodic review of accounts that my account would be restricted from deposit and withdrawals, but would still be open until the 60 days it also said that I could go into branch and retrieve my funds if I thought that it was necessary to receive them before the 60 days on XX/XX/XXXX, I also received notice that I would be getting evicted for my apartment so I started reaching out to the bank saying that I felt necessary for me to have my funds because I need my money and there would be no reason for me to continue working with the bank since this is the third time that they have done this to me. XXXX on the hold. It has been 60 days of my account I had to I received the closeout check for XXXX which was XXXX dollars but for the other which was XXXX and something dollars I have not I have called. I have XXXX in the bank I have exhausted all avenues and they keep telling me that XXXX not getting any money even though my balance is {$2000.00}. Last year the same thing happened and they took {$2500.00} from my tax return. I dont know whats going on with Citibank but I really would like my money and should have gotten it the same day that I got the other check that they ups to me. This is how I know its a lie because if after my account was being closed, there were transactions being processed, and there was no money in my account that my account wouldve been in the negative and my account been negative then I wouldnt have received the check for XXXX dollars on my second account because they wouldve kept the money firstly. Second thing is that XXXX still receiving notices that say that my account was a balance of {$1900.00} up until the day. It was closed that when I went into the branch, they were telling me that they had my money and some subledger and kept saying that I was under some investigation, but its been over 60 days and I have received not XXXX letter saying that anything has been investigated about anything about fraud. Nothing but just in my account was being closed. I dont know what Citibank has going on, but I need my money and this is very illegal and I will sue them. I should very well be able to go into the branch and get my money just like I did last year or when they close my account and tried to keep my money.
Product: Debt collection

This is inaccurate there is a listing on my personal credit file stating I have a Macy's/DSNB charged off account which I haven't done business with Macys in 8 years. Please help
Product: Credit reporting or other personal consumer reports

The company Caine & Weiner is in violation of my consumer rights. The credit bureaus were to do an investigation into the account reporting XXXX by Caine & Weiner. The company was also sent a debt validation letter where I also included the XXXX from the original creditor showing the discrepancy in what they are reporting such as the balance. As you can see from my credit report ( attached ) the account was disputed, but no validation was sent for this account. I demand you to remove this item from my credit report. The 1099-c did not report the same balance meaning that the reporting on my credit report is not in compliance. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. Per the IRS, I can file form 3949a for tax violations upon your company. Furthermore, any US Code in the FCRA and FDCPA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Product: Credit reporting

I previously disputed items with XXXX, and all of them were deleted without issue. I signed up for a credit monitoring service called " XXXX XXXX '', and discovered items I have never seen before on my Equifax credit report. I attempted to submit an online dispute through Equifax on XXXX/XXXX/2016 for all the items I found. Equifax would not allow me to pull my online credit report and dispute the items, despite having received my reports that way before. I had to call and speak to a live person. I talked to XXXX ( XXXX, XXXX ), and went through every single item I wished to dispute. I spent 45 minutes on the phone disputing each item individually. There were a total of XXXX items ( XXXX medical, XXXX utility ). When I received the final report, they did not delete any of the items, and said they were all mine. The utility bill on my credit report did not belong to me, and XXXX deleted it when I disputed it with them. Yet, Equifax says it was mine, and refused to delete it. It was a XXXX utility bill, for which I had never signed up for services. I was not living in the state where services were contracted at the time, and the item could not have belonged to me. 

As for the medical bills, I began receiving automated calls from XXXX XXXX As I had no idea of the existence of the bills at the time, I assumed it was someone trying to scam me and did n't initially respond. After I contacted XXXX XXXX regarding the disputed items, I was told that they are medical bills from XX/XX/XXXX-XX/XX/XXXX. I never received bills for any of the items. I contacted the original creditor, XXXX XXXX, who confirmed that the bills were likely sent to my physical address. Where I live, mail sent to a physical address will be returned. I never received the bills, and now it is causing major damage to my financial health. XXXX XXXX is now haranguing me for full payment. However, these bills should not be in collections, as I never received them. I should not suffer, because someone at XXXX XXXX 's was not competent enough to mail the bills to my given mailing address. 

I called to dispute the items on XXXX/XXXX/2016. The report states the investigation was completed XXXX/XXXX/2016 and I did not receive the report until XXXX/XXXX/2016. I do not feel my credit disputes were thoroughly investigated, and Equifax clearly was not listening to me when I tried explaining the confusion that my mailing address was causing. I was very clear with the agent when I explained that either they were n't mine, and if they were mine, it was the first time I was learning of their existence, as I did not get the bills. It 's my belief that through the language barrier with the agent, she did not clearly understand my dispute.
Product: Credit card

I paid off my Chase Credit card on XXXX 2016. I went into a branch office to pay it off. I asked the clerk if there were any outstanding charges pending. She replied, " No. '' My daughter had checked the balance of the card and she noted that I had a XXXX balance. The billing cycle ended two weeks later. The statement date ended XXXX/XXXX/2016. On this statement there was an outstanding balace of {$10.00}. I went into a branch of Chase to call Customer Service.. Customer Service said that the interest charge had not been factored in yet
Product: Mortgage

In early XXXX of XXXX, I started receiving letters from attorneys and other companies stating that a notice of default has been filed on my home by Specialized Loan Servicing ( SLS ) therefore on XX/XX/XXXX, I called SLS and spoke with a representative named XXXX. XXXX advised me to send in a Request for Modification Assitance application ( RMA ), and that once received I will be assigned to a single point of contact to work with me throughout the process. 

On XX/XX/XXXX, I called SLS to inquire why my application was still in the status of Document Intake and was informed that they would only accept a court order for child support, although their RMA application does not state that a court order is the ONLY acceptable documentation. Consequently, I sent a letter via email requesting SLS to process my RMA application with my other income. On XX/XX/XXXX, I called to follow-up on the status of my application and was informed that my application had been withdrawn and I would need to start the process over. The representative was unable to tell me how, when, or why it was removed. I asked to speak with a supervisor, but as usual, no supervisor was available. 

On XX/XX/XXXX, at approximately XXXX XXXX I called SLS and spoke with XXXX who again stated that the application was withdrawn. I asked for a supervisor and instead was transferred to XXXX in the Loss Mitigation department ( XXXX XXXX ). I explained the situation to XXXX, and he apologized that I was informed. He stated that SLS had all of the necessary documentation. Thus, he would reprocess and send my application to the underwriting team for review, and they would assign me to a single point of contact. 

As of today XX/XX/XXXX, my online RMA status still says document intake, SLS has not been in contact with me, and I have yet to receive a notice of default from SLS. 

Documentation timeline submittal via their specified email XXXX is as follows : XX/XX/XXXX : RMA Application,  Paystubs, and XXXX Tax Return. 
XX/XX/XXXX : Hardship Letter, Bank Statements, and KYHCA Approval Letter XX/XX/XXXX : Child Support Documentation XX/XX/XXXX : Child Support denial letter Please Note : Each time that I have called SLS I have been advised that my loan is at 2 % which is the lowest rate available. However, that is incorrect as my loan is currently at 4.375 %.
Product: Checking or savings account

My account is being compromised and stop payments have been done but CHASE is allowing bank drafts to still go through by XXXX
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry appeared on my credit report today, leaving me both shocked and frustrated. Refreshing didnt fix it, and Im urging you to promptly check the documents I provided to ensure this issue is resolved permanently.