23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



CLOSED ACCOUNTS : 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 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: Credit reporting, credit repair services, or other personal consumer reports

Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX I put a complaint on XX/XX/2021 # XXXX Trans Union Remove the 30 day late pay from my credit report. on XX/XX/2021 Trans Union put the False and Misleading 30 day late back on my credit report that is a VIOLATION SECTION 807 YOU CAN NOT PUT SOMETHING THAT WAS REMOVE AND NOW ITS BACK MY CREDIT REPORT I AM SEEKING LITIGATION FROM THIS 30 DAY LATE PAY for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information on my credit report Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
Product: Vehicle loan or lease

Im XXXX XXXX and am declaring that i am a first-hand witness to the facts of this offence. 

Im aware that Ally Bank/ Ally Financial continues to violate me and my consumer rights and protections provided by the federal government.

Ally Bank/ Ally Financial is responsible for having my vehicle illegally repossessed without any type of writ, warrant, or other type of judgment or order against me.

Ally Bank/ Ally Financial is using coercive tactics in order to obtain payment when again the alleged debt has never been verified under the penalties of perjury.

Ally financial/ Ally Bank has envoked the Fair Debt Collections Practices Act and is accusing me of owing an alleged debt that has never been verified under the penalties of perjury and by and through their actions is resulting in substantial harm against me.

Ally Bank/ Ally Financial actions has also resulted in gross negligence due to this company repeatedly sharing my personal and private information invoking the XXXX XXXX baily act and and the privacy act of 1974 and never having my direct consent to do so. these actions are harming me substantially. 

Ally Bank/ Ally Financial has severely ruined my reputation by reporting my personal and private information to private entities namely Credit Reporting Agencies and never gave me proper disclosures before furnishing my private information Ally Bank/ Ally Financial has committed and continues to commit several crimes under title 18 including but not limited to bankruptcy fraud, false claims under the bankruptcy code, extortion, aggravated identity theft, theft, mail fraud, conversion, embezzlement among other crimes. 

Ally Bank/ Ally Financial is BREAKING THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was provided to companies for unlawful marketing.
Product: Mortgage

On XX/XX/22 we submitted a request to our lender for our home to be reappraised. Weve completed a substantial amount of updates that would increase the value of our home and property. Once reappraised at a higher value than the original purchase amount, we would qualify for the removal of our PMI. We were asked to give an estimate in cost for the completion of our updates within the first 48 hours. 

We were told the process could take up to 60 days. Were now approaching the 90 day mark and the lender will not respond to our email asking why the process hasnt started. We believe our rights to have the value of our home reassessed is being stalled or denied.
Product: Debt collection

I called AD ADSTRA RECOVERY SERVICE to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XXXX XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.
Product: Student loan

In 2014 while in the hospital recovering from XXXX, my now ex husband answered my cell phone. The person asked him if this was my number, and when he replied yes, they tomd him I would be getting information about a hearing for my student loans ( student loans that had been paid years before ). I sent certified proof of payments to XXXX Texas, Dept of Ed and I requested a phone trial. I never heard anything. However, my wages started being garnished. I contacted the Omsbudman, and nothing happened after I told them numerous times that my loans were paid. I just received information about fresh starting my student loans. I am a XXXX XXXX XXXX life time XXXX. The Department of Education claims that I owe XXXX dollars and never made any payments. I suspect this is because of fraud, poor record keeping, or some other reason. I do not want my wages garnished wrongfully based on these predatory student loan companies false information and reporting to the Department of Education. I have spent the last XXXX  years seeking help to get this wrong corrected. There is no student loan company in the XXXX that would let a person of my age NOT pay a student loan, so why the Department of Education continued to allow this to stand, as if there, were no payments ever made is criminal in my opinion. The Department of Education did not do an adequate investigation. They told me that XXXX payments were in the database and that I signed the fresh start paperwork. I explained to all involved that I only signed the paperwork to get the loan out of default because no action could be taken while the loan was in default. There has been no effort to contact, XXXX, IRS, or the XXXX to see that this loan was paid or even credit me with payments that were made. Now, they have started reporting this loan to the credit bureaus as a new loan due to the consolidation bringing my credit score down. The person assigned by the Department of Ed did an extremely poor job and still has not responded to my issues, yet closed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with Home Depot or THD/CBNA removing late payments from my credit report. I had always an amazing payment history with them and always made all my payments on time with them. Now I am trying to buy a house and it is affecting my credit score. The late payments for dates XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016. I always had a high balance but decided to close down the account completely and pay of the high balance. I would really appreciate if Home Depot would remove those late payments from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed several unauthorized inquiries on my report. I filed a complaint with Idenitytheft.gov. I want these inquires removed.
Product: Money transfer, virtual currency, or money service

I sold a car the funds went to PayPal and PayPal has been holding my money for over two weeks I have no way to get access to my funds they said it because of the automated security system they can not over ride it. I can not send or withdraw or use with my XXXX wallet I am on the phone everyday for over an hour or two with them and they tell me the same thing everytime wait 24 to 48hr for system to update. I feel like they have robbed me
Product: Credit card

My Privacy is being violated by Discover Credit Card. 

I have been a Discover Card member in good standing for several years. I received an email from Discover on XX/XX/2024, that I had 5 days to contact XXXX to SIGN IRS Consent Form 4506-C XXXX If I don't sign to consent for the release my entire INCOME TAX Return to Discover for my existing credit card they will put a hold on my account. 

The e-mail stated if for any reason you unable to complete the consent for to contact Discover at XXXX. Which I did today, XX/XX/2024. I spoke with XXXX, to let them know that I wasn't able to provide consent to release my entire Tax Return Discover, that I wasn't borrowing money from them or taking a mortgage out with them. That I was willing, however, to provide them with my IRS TAX Transcript which provides my income information that they seeking. XXXX told no that is Discover 's Policy they want my entire TAX Return, discover requires to see my entire return. I explained to her my return is quite extensive and there are items within the return that are private but I am unable to share with them but the alternative which is accepted by other financial institutions as well as legal document from the Internal Revenue Service MY IRS TAX Transcript. 

This request is beyond what is needed. Is this legal? I have already had Identity Theft and as a senior I feel this infringes upon the expectation of a credit card organization. I have never had a bankruptcy or bad credit I've owned and paid off many cars and homes. How does Discover treat us this way? 
XXXX XXXX XXXX accepts the IRS Tax Transcripts it is an IRS Document without providing the entire return.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED AND TRIED TO RESOLVE THIS XXXX XXXX ISSUE WITH THEM!!! They also blocked me because they know they are dishonest and provide poor customer service. They continue to deny any solutions to resolve the issues I have explained. They essentially told me to file for XXXX  and depend on someone who will support me, but their employees lack reading comprehension and do not understand subject-verb agreement, which shows that they do not understand that I have no one, no money, no car, or home. I tried to settle several times, but they have been dishonest and denied my attempts. I can not wait to file a lawsuit against these XXXX XXXX. I AM GOING TO KEEP COMPLAINING UNTIL THEY DO WHAT I ASK AND I AM GOING TO TAKE THEM TO COURT IF THIS CONTINUES!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After i paid this debt, i called the company to ask that the payment cleared and when the mark would be removed. she mentioned that they dont do this, i mentioned that i have it in written documentation and couldn't respond to the issue. 

i have attached a copy of the email communication i received from the company indicating deletion of the mark in response of payment
Product: Checking or savings account

I had a deposit to place in my account on XX/XX/year> for XXXX but because the bank didn't have my company 's DBA they didn't couldn't place the money where I need to go, this was done the day after it had complete deposit in. I had email my banker like two weeks prior to that date on my DBA. I finally got a hold of her after the issue had start from me trying to move money over to crypto currency. I email her my DBA information but she stated she didn't know the correct code to place this under and have to contact her District person regarding this, so I told her that I didn't know the code for that. Then, she came back and told me that they decide to close the account because I didn't have that name under the account and that it is illegal to have a DBA with an LLC. I request for the district professional information and to contact me, so XXXX contacted me. He tells me since your DBA was established that there fraud department contacted him and told him that had suspicious of fraud, that the money was be investigated then after that, they decided to closed the account because of me not have DBA not being established with the account. I went on to ask him questions then he couldn't answer the questions. I said well you can look up my DBA and its not my fault that my banker was out the office, she couldn't figure out codes. My banker is name is XXXX XXXX and I spoke with another banker at different location which escalated the issue about my DBA not being there, they need more information ( location on XXXX XXXX XXXX, cant remember his name. Then XXXX also goes to say that no other deposit wasn't in the account before 30 days of this deposit. I tell him I am trying establish my business, I can invest my money how I want to. He go say well your DBA wasn't present so we decided to end relationship with you because of that not saying it was fraud but because your name wasn't established on the account in which it wasn't my fault. XXXX was on vacation not my fault.
Product: Mortgage

I received another letter from PennyMac about flood insurance and not being covered ... They are escrowing my insurances and taxes and the insurance company has sent them renewal notices but they have failed to pay the premium. This is second time I have filed a complaint and went over all this with them ... .My flood insurance has been with the same company going on the 3rd year and address is the same. I had to send them copies by fax Fri XXXX/XXXX/2015 in which they agreed they received it. I have to send them certified registered or fax confirmation for them to acknowledge they received copies of my insurances. My insurance company and agent are tired of the games and so am I. My insurance company tired of sending them copies of coverage and the bills which they do n't pay on time.
Product: Debt collection

We receive notice of balance {$380.00}. XXXX account # XXXX. Ask them send us full invoice to the address, they send the notice of debt.Unsteady they ask me my social security number, name. I will not agree. I will prefer discuss with representatives who originated the invoice.
Product: Credit card or prepaid card

Although this seems to be a continuing issue, currently at issue is web site disparity on two store cards I am on with my wife : Synchrony Bank serviced store cards for XXXX XXXX XXXX and Synchrony Bank multiple vendor Home account. 

On two accounts past due date by a few days, scheduled payments for XX/XX/2019. On XX/XX/2019 received a robo call, when answering phone only recorded message to return call WITH NO Information CALLING BACK, they ASKED me to tell them why I was calling After what would have been batch updates to their system on XX/XX/2019,  received the same call on Sunday XX/XX/XXXX. 

I have screen print showing payments processed, but account status STILL PAST DUE. Offshore associates do not see what I have in screen captures and I continue to be harnessed by Synchrony Bank I plan to share this same information with XXXX XXXX XXXX and XXXX as this is jeopardizing representational risk for these merchants who use Synchrony serviced cards
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX & XXXX XXXX Account XXXX XXXX ( Account ID # XXXX ) have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions.
Product: Checking or savings account

I was alerted to an account being opened with Goldman Sachs Bank in XXXX. Myself and my XXXX Identity protection agent called on XX/XX/XXXX to have it closed. We were on the phone for 2 hours to close the account. This account was open under identity theft and we explained that all to them and they assured us it would be closed and in 10-14 business days I would receive confirmation. Now over 20 business days later it was still not closed. Myself and my agent called today and again were on the phone for over an hour. They told us that the account was under investitagtion and that it was never closed. In addition when they tried to verify my identity the number and email address that they had did not match what I had provided last time because the person who did the opening of the account was able to call back and change it. In addition they asked me for the verbal password which I had never put on because again it was the person that stole my information and opened this account. While on the phone today they stated that due to it being under investigation that they could not close it, that it was only locked. They refused to give us contact with the department that could handle closing the account and stated they needed another XXXX business days. We told them over and over that their is no reason for there to be an investigation when it was reported to be fraud over a month ago and I still had not received ay documentation that it was closed. They would not close the account and stated that it is locked and all I could do is wait another XXXX business days to get a response on it. They were horrible and we told them that we would be filing a complaint. We need this account closed and this company looked into. Who knows what else will happen in the next XXXX business days for them to investigate this account. I do not trust that they will ever close it or follow through with anything in regards to this. They had over 20 days to take care of this, when they said it was closed on XX/XX/XXXX, and even admitted today that they never closed it and pretty much the customer service agent who told me on XX/XX/XXXX that it was closed was a lie. 

This account was open by an identity theft, and Goldman Sachs Bank, refuses to close the account and follow through. They continuing to lie and not complete what is asked and expected of them.
Product: Checking or savings account

I deposited XXXX different checks totaling roughly {$160000.00} on XX/XX/23. We have have had deposit holds before ( every once in a while ) but surprisingly all XXXX checks were put on hold until XX/XX/23, including a {$50000.00} cashiers check! I also deposit millions of dollars of checks every year, so this was a shock to say the least. 

I tried contacting Bank of America see what their reasoning was for putting a hold on XXXX individual checks all at the same time. I spoke to a manager, and they had no clear explanation or logical reason that could ever possibly apply to all XXXX checks. I have many people to pay before the hold is released, and this is quite ridiculous that they can put a hold on these many checks all at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over XXXX was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get anyone on the phone and the fax numbers do not work