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

On XX/XX/20 my husband applied with my son, for a car loan with a car dealership. We obtained financing, but were later notified that we had been refused because of problems with XXXX  and sagestreamllc. I have resolved the issue with XXXX, but have been unable to even obtain a credit report from XXXX. I have received two letters, and responded, requesting verification of personal information. I have been refused access to the credit report 4 times ... all because they can not verify his identity. I did send them the documents they requested. I finally called yesterday and was told that they did receive the information i sent them but either due to employee error or blurry fax they could not verify his identity. Their customer service representative told me to request a copy of the credit report online. I attempted to do that today, again having to upload a piece of personal identification. It is still telling me they are unable to verify my husband 's identity. I called and they said my husband would have to call and they would verify personal information with him. I am, at this point, highly suspicious of this company and their practices and regretting that i sent them anything. His score is XXXX with them and XXXX with everyone else.
Product: Checking or savings account

Since at least XX/XX/2023, Ally Banks website has not permitted customers to change or cancel scheduled transfers ( e.g., a transfer from an individuals primary checking account to Ally Bank, or vice versa ). As a result, unauthorized transfers have been made, customer accounts have been overdrawn, etc. Ally is aware of this issue and claims to be working to resolve it, but they have not provided any ETA on a resolution. Nor have they notified customers or included a notice on their website explaining the issue. Until the issue is resolved, customers only option is to contact Ally customer service and ask them to cancel the scheduled transfers. Because of the issue, customer service hold times are steadily increasing, Ally Bank is an online savings institution. It is completely unacceptable if their website is nonfunctional for one day yet here we are, going on XXXX weeks. Providing customers full control over their deposited funds is the bare minimum a bank should be required to do.
Product: Checking or savings account

In my initial report ( XXXX ), The information that your staff reviewed and provided was inaccurate. If your staff conducted a thorough review of my account history and call logs, they would/should have noticed that the {$25000.00} mobile deposit was on XX/XX/XXXX, the same day that I reported the fraudulent activity/scam, and not on XX/XX/XXXX, as claimed in your response. USAA 's decision to reinstate my account for full access and reestablish a business relationship with me took place on XX/XX/XXXX, after I was contacted by the CEO 's office to notify me that after reevaluating my claim, it was concluded that I was not involved with the fraudulent activity and overturned the decision of me being liable. Which was not noted on my account. They also denied my resolution for reimbursement for money ( {$9200.00} ) lost to the scam, stating that I was reimbursed {$5600.00}. I was issued a check for {$3000.00}, which was the balance after charging off {$2600.00}. What about the {$3200.00} that was accumulated in my checking account while the account was locked?
Product: Checking or savings account

On XX/XX/XXXX, Wells Fargo Subpoenad for bank records, on XX/XX/XXXX, we received only XXXX accounts records out of XXXX to include XXXX safety deposit boxes that were closed as of a customer visit summary on XX/XX/XXXX. We were then told that they could not release records of the XXXX XXXX XXXX as it had multiple owners that were not notified, we then submitted a letter ( attached ) with subpeona to indicate that there was only XXXX owner and he was deceased and all parties had been notified as in Trust/Will to determine how these boxes were closed, also to get the remaining XXXX accounts that were not released under subpoena with each account listed ( as evidently it is not enough for a subpoena under the account holders name and social security number? ). We then were told that they would release the records following the letter/subpoena resubmitted, with all account numbers and safety deposit box numbers, and customer visit summary of their closures by non-account holder - except they havent. It has been XXXX delay tactic after another from statements of multiple account owners, unable to find the records, we believe they were closed as of next of kin, we believe they were closed by court order, now records lost and this is XXXX months out from initial subpoena. I am uncertain to banks regulations under subpoena to produce within 14 days, as this is not the case, nor with XXXX box records to show that it was not multiple owners, and accessed by a non-account owner, but no records to show how accessed/closed - were they robbed and forgot to report it? They have written declarations of unable to find, lost, etc for XXXX safety deposit box, and XXXX accounts so far and no transparency on anything. To date the updates have been we are escalating your request to the paralegal ( for XXXX months ), we are talking to the branch (? ) arent those records already with legal in order to close safety deposit boxes by non-account holders? This company/bank is a nightmare to get any bank records from and I know is against regulations between not producing as lost to delaying from XXXX weeks to XXXX months, to stating multiple owners which resulted was not the case on XXXX of the boxes but they were unable to produce the second box nor how either of them were closed and with what documentation to support a non-account holder accessing and taking safety deposit boxes in their vault? Do they have any regulations or oversight?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Mortgage

In XX/XX/2016 the dept. of Hud had removed my pmi insurance as I reached the 76 % ratio.In XXXX XXXX sent me the hud statement that my pmi insurance was removed and also a statement of my new mortgage amount.It went from XXXX to XXXX.In the middle of XXXX XXXX. sent a notice of mortgage sale and transfer to Carrington mortgage services.I had received no paperwork from Carrington until middle to late XXXX. Since I had no paperwork, I had sent a payment of XXXX in early XXXX as not to be late.In late XXXX.Carrington sends me their mortgage statement with incorrect percentage on the transfer and they wanted the original amount of mortgage which was XXXX without including the pmi reduction.After many calls they refuse to acknowledge this.I have called repeatedly and also at their request faxed them the hud statement and the XXXX statements showing the mortgage reduction and change.After sending this information I still get absolutely nowhere.Now they requested that I write a letter explaining why I want the mortgage to be reduced.I have been right up front trying to resolve this problem but am being totally ignored.My rights have been violated and this transition is totally unprofessional.I as a customer should not have to be even involved .So now they said they have two months to resolve any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Product: Credit reporting, credit repair services, or other personal consumer reports

I really need your help. There are some things reporting on my Experian report that is contradicting and I have asked several times for calcification and still the contradictions are there. I hope your company can help me with this. Experian reports an XXXX - XXXX only as XXXX XX/XX/XXXX but nothing prior to that. Another XXXX XXXX with a XXXX XX/XX/XXXX no previous payment history either.There is a XXXX account-XXXX.. shows charged off {$5600.00} but the past due balance is {$4100.00} how can one be higher than the other? There are 4 XXXX XXXX XXXX Three of the accounts XXXX, XXXX and XXXX are showing the same payment history exactly but one of the accounts states it 's due to continue reporting until XX/XX/XXXX and the other states XX/XX/XXXX and the other states XX/XX/XXXX if the payment history is exactly the same why would n't they state the same dates? The last 5th in question XXXX shows As of XX/XX/XXXX it was Foreclosed XX/XX/XXXX but no payment history before that. With so many different contradictions how can they have really researched them?
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 XXXXXXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I recieved my Care Credit statement XX/XX/22 I mailed it XX/XX/22 it was due XX/XX/22 I get letter on XX/XX/22 stating quote ( We recently received a blank, voided or incomplete check at our remittance center which can not be processed. For your security the check has been destroyed ) Synchrony Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I immediately upon receiving letter made payment by automatic phone I have tried numerous times to call and get thru waiting for over hour on hold. This is absolutely wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX, XXXX XXXX XXXX Trans Union to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from XXXX, XXXX XXXX XXXX Trans Union any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to XXXX, XXXX XXXX Trans Union.
Product: Mortgage

IMy Mortgae was sold to Freedom Mortgage. I obtained the address to make auto payments the XXXX of each Month to make my regular payments and the address to make additional principle ONLY payments online from Freedom Mortgage. This occurred in XXXX 2016. Freedom Mortgage gave me the address to make principle only payments online in XXXX 2016. I set up the bill pay address and even called back tomFreedom Mortgae speaking to a second representative as a double chech to make absolutely certain t When I chose to make an an additional principle pay, net the online address was correct. The second XXXX XXXX rep confirmed the address was correct. I made additional principle payments and at the beginning they were correctly applied to the principle ; however, later the same principle only online payments were not applied to the principle. I called Freedom Mortage to correct this. I asked for a Manager and got XXXX in the escalations XXXX. Even though I ask for a manager, she was not a manager. She was beyond helpful and certainly was overbearing and unacceptable and an extremely poor employee. I felt my normal peaceful calm going away from this jerk. She was rude, interrupted me constantly, incompetent and hung up on me. I called back and again ask for a manager since this is highly important to me. I reached another employee not a manager, and told them the several online additional principle only payments were not applied to the principle. I was told by this individual that they never hear of the address for the online principle only payments I had been making. I told her I got the address from Freedom Mortgae and confirmed it twice as double check to make sure my online principle only additional payments would correct. Some of the online additional principle payments were correctly applied to the principle and others were not. I did not get a manager to speak with nor a return call from a manager to correct this disaster. I was on the phone for an unacceptable amount of time ruining my Saturday and this is still not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act *Professional Debt Account : XXXX *XXXX XXXX Account : XXXX *XXXXl XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors XXXX not furnish information relating to aconsumerto anyconsumer reporting agency.
Product: Credit card

I did NOT apply for anything with NetCredit and may last name has not been XXXX since 2010. 

My identify was stolen and this is yet another attempt to falsely obtain credit using stolen information, Why didn't the company notice the FRAUD ALERT on my locked credit file>
Product: Credit card or prepaid card

Having a PayPal account that I use for XXXX etc ... with a XXXX visa card was removed and replaced with a Walmart master card that was not activated by me, when I called Walmart they would not give me an explanation on this matter of how the card was used or got into my computer without my consent and said the card did not have to be activated and that it was just for in store purchase, again I asked how did this get into my account with PayPal, no answer was provided. also contacted synchrony bank and PayPal with no results. After closing a account with Walmart about 3 months ago they still sent a new card which was not used by nor activated by me. Dates of use are XXXX to XXXX with a amount of {$600.00} and the reason I discovered this was declined payment on XXXX  purchases thru the holiday shopping and seen wall mart in place of XXXX visa.
Product: Bank account or service

I have had LARGE FEES and DOUBLE CHARGES on my accounts for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # 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'm reaching out to address the fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I've reported the incident as identity theft and urge prompt action. It's crucial to swiftly remove all fraudulent information from my credit report and conduct a thorough investigation. I'm prepared to provide evidence and take legal action if necessary to protect my rights. Your prompt attention to this matter is appreciated.
Product: Debt collection

I am requesting verification of the validation of the electric bill statement showing proof of these charges trying to be collected. I still do not agree with owing anything as I turned off electric and water when I left and paid what was owed to the actual companies. I was informed to try to obtain and not just a statement from the apartment complex stating I owe for. I would also like to know when was the unit re rented to another tenant
Product: Credit reporting, credit repair services, or other personal consumer reports

HireRight is the company entrusted by XXXX XXXX to conduct background checks on their candidates. I filled out the paperwork and turned it in on XXXX. On the same date HireRight completed the whole report. I was not notified of any problem until XXXX when XXXX XXXX sent me an email notifying my something was not checking out in the report and this could mean an end to my offer of employment. Alongside XXXX XXXX email in the attachments was a specific report on the education section. The HireRight report had the incorrect institution name and address as " verified information ''. I provided the correct information to XXXX XXXX but I guess that never made it to HireRight as they " continued '' the background check. On XXXX I was notified by XXXX XXXX that they had reconsidered adversely my offer of employment in whole or in part because .of information on the HireRight report. On XXXX was the first time I was able to see the full report and read the full content ( Other than having the wrong information on the institution, they also claim the school was not accredited or valid ). On XXXX I contacted HireRight to start a dispute, they had never received the corrections I had provided XXXX XXXX and so I proceeded to give them the correct information over the phone. The day after I also sent them supporting documents such as diploma and transcripts XXXX ( friday ). On XXXX, they claimed they were done with the investigation on the dispute and still held that the school is not valid, They also claim what because the school is not " valid '' they will not contact to verify if I attended or not ( which is contradictory to the notes they made on my report on XXXX where they state, they sent a fax to the school ). When I called that week they told me that although the investigation was done, that a performance review of the investigation was still not completed. The following week they said the report was done, and just reiterated the school was not accredited by their standards and that's it. But my report was never updated, still to this date the information on there is from XXXX with erroneous information on my name during school years, school name, address, accreditation information, claims that the school is not listed with the Florida department of education ( which it is ) etc. If the school is indeed no good, I would like the report to indicate the correct information so that I may bring it up with the school, but to these inefficiencies I question if HireRight really do its due diligence.
Product: Credit reporting or other personal consumer reports

I need to re-escalate these accounts that have been previously deleted by XXXX and XXXX but TransUnion remains reporting the same faulty and unauthenticated accounts on my credit files.
Product: Checking or savings account

On Friday XX/XX/XXXX, I received an email from a bank called Current. It asked if I was still looking for a {$500.00} Paycheck Advance. I do not remember signing up for this account and I darn sure didnt ask for a payday advance! I downloaded the app ( which had previously been downloaded and deleted from my phone ) and I verified all of the information requested to log in - my phone number and my email! 
I looked through the transactions and someone had been using this account so I looked for a place to close it. I wasnt able to find anything so I contacted support to do so! 
I originally put in a different email address on the form requesting closure, so the support person requested more information, which I provided all but the card number because I do not have a card for this account! 
She then responded and told me she needed a copy of my ID and a selfie because my account could not be verified with the information provided! So I went into the account and that was all correct info I gave her! 
I argued and someone else responded asking for my ID and a selfie holding my ID. I argued again that I provided all of the info and they still refused! On Sunday, XX/XX/XXXX, I sent my ID, as asked for in the email I had received early hours of that morning and got a response this morning telling me they need MORE information, which they want a selfie with me holding my ID! I was able to verify my info through the app and demand they shut this account down and have even told them someone that isnt me was using this account ( back in XXXX, moving money from XXXX account to another! ) and they still refuse to shut it down!
Product: Checking or savings account

Discover declined my fraud claims and overdrafted my account by - {$1400.00} and change. ( I forgot the exact number. ) I had been having issues with my account being used by someone I didnt know, and filed fraud claims to fight that. My claims were denied continuously, they over drafted my accounts and claim I owe them more money than I have. Im heavily biased against discover and other banks as Ive had similar issues with XXXX  XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX.