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

In accordance with ally.com policy, an online Secure Message was sent in writing, regarding an ally.com Bill Pay failure, on XX/XX/2022. However, no reply was ever received. Thereafter, repeated attempts were made, both by phone and by Secure Message, to obtain a reply. The most recent of these numerous attempts was on XX/XX/2022. This was a phone call to Ally representative XXXX who transferred me to Ally Supervisor XXXX who stated that there would be a Secure Message reply to my XX/XX/2022, Secure Message regarding Bill Pay failure, by XX/XX/2022. XXXX XXXX 's statement was false. What appropriate penalties and compensation can the Consumer Financial Protection Bureau impose to remedy this issue for all of the patrons of this bank?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes. I have requested documentation according to 1666b billing error. It has not been provided. I have also requested methods of validation. Please ensure the credit bureaus investigate my disputes. I have attached them to this complaint.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated and disappointed to find an unauthorized inquiry on my credit report. This inquiry is completely unapproved by me, and it has no legitimate or permissible purpose. Its not only inaccurate but completely unacceptable that something like this has ended up on my report. Ive always taken great care in monitoring my credit, and seeing something like this shows a serious disregard for my personal information and rights.
Product: Checking or savings account

I used bill pay to send two payments, one on XX/XX/XXXX and one on XX/XX/XXXX. I was contacted by the payee on XX/XX/XXXX stating that the XXXX payment had not arrived. I called Capital One and they stated that the check had not been cashed and they would submit a provisional credit which I received 5 business days later. I was then contacted by the payee that the XXXX check had also not arrived. I called Capital One on XX/XX/XXXX and was told I'd already received a refund. I explained that the refund was for the XXXX check, so they apparently opened a new claim. I called back on XX/XX/XXXX because I had not received an update or a provisional credit. I was told by a supervisor that the previous agent filed the claim for the XX/XX/XXXX check in error and the supervisor would file a new claim and back date it to XX/XX/XXXX so that the provisional credit would arrive in 1-3 business days. I called back on the 3rd business day because I had not received a credit and got the run around from several agents stating I had already received the refund ( again this was for XX/XX/XXXX! ) or that the claim was still processing. I finally spoke to a supervisor who stated the claim was being expedited and it would be in my account that day or the next. It is still not in my account and I have not received an update on this claim. Every time I call I get a different story. I am now out {$2200.00} and have had to pay that bill again. I will incur fees soon and am unable to pay bills that are due.
Product: Checking or savings account

I have been a loyal citigold and citi priority client sin ce 2007. I ha ve recently tried to open a savings account to be linked to my citibank checking account, but the bank has immediately closed the savings account after opening it. My account has been in good standing for 10 years, and I have been a loyal client for 10 years, I have received very poor customer service, and have complained to customer service as well as the corporate offices of citibank, but they still have not resolved the issue with opening a new savings account. their response was very abusive, rude, and unprofessional.
Product: Credit reporting or other personal consumer reports

I contacted US Dept of Education because they have inaccurately reported late payments on my credit report. They didn't do anything about it. So then I contacted Transunion, and they only partially updated the status of my account. As you can see from the screen shots below, Transunion updated the status to " Paid as agreed '', but it is still showing XXXX ( which means delinquent ), and on top of this, there is a note that says my account is 120 days delinquent. This is an error! It should show paid as agreed with no note.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for their continued failure to correct inaccurate reporting on my credit report. Despite submitting multiple disputes regarding these accounts, TransUnion has failed to update or remove them, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX Still Reporting XXXX XXXX XXXXXXXX Charged XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX REPORTING XXXX XXXX XXXX XXXX XXXX XXXX were charged-off and sold to third-party debt collectors , meaning the original creditor should be reporting a {$0.00} balance. However, TransUnion has failed to properly investigate my disputes and continues to report an incorrect balance.

FCRA Violations : Failure to Conduct a Reasonable Investigation ( 1681i ( a ) ) - TransUnion did not properly verify the disputed information.

Failure to Update or Delete Inaccurate Information ( 1681s-2 ( b ) ) - The accounts are still showing incorrect balances despite being sold to a third party.

Failure to Provide a Droper Dispute Resolution ( 1681 * ( 5 ) ) - TransUnion continues to verifv inaccurate data without evidence.
Product: Credit reporting or other personal consumer reports

I have requested several times to have my personal information updated so that its accurate. I have provided proof to these companies that I was a victim of identity theft, I was a victim of several data breeches and provided documents multiple times. They still have yet to correct my information. My name is : XXXX XXXX My address : XXXX XXXX XXXX XXXX. XXXX, Ga. XXXX. Employer : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$2600.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Opened XX/XX/XXXX XXXX XXXX XXXX$600.00} Opened XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

Experian Corporation Unauthorized hard query, request to delete
Product: Mortgage

Bank America is insisting a home buyer obtain a " shared driveway '' agreement from a neighbor when in fact it is not a legally shared driveway. Of course the neighbor refuses, so the bank is refusing to grant the buyer a mortgage. Neighbor and Buyer have yet to meet compounding the problem of having any ( inocuous ) agreement of any kind. The Bank wants a recorded agreement that forces both the Buyer and Neighbor to lie and in spite of attorneys for both buyer and seller stating the legal truth and wrongness of their request, the Bank remains obstinant. What to do? Does a consumer have any recourse?
Product: Vehicle loan or lease

I went to a buy here pay here car lot by the name of XXXX XXXX. The price on the window was {$7000.00} for a XXXX XXXX XXXX. I put down {$3000.00} cash and that {$4000.00} left. I was told my payment would be {$310.00} a month, I paid on time every month. One day I go to make my payments and the buy here pay here is gone out of business. I called the number I had and the lady told me I would receive a payment booklet in the mail and it will have where to send my payments. About 2 weeks later I received a payment coupon book from Credit Acceptance. In the book it had my correct payment amount {$310.00} and where to send it. I was paying but I started getting late payments because I was mailing them in. I called and the guy gave me the website to make payments online. This is where the trouble started. I made my online account and saw that the {$4000.00} I originally owed turned into {$18000.00}! I called and they told me they bought my loan and this is what I owe. The buy here pay here lot sold my account to a Dealership Predators, they told me I had to pay thay amout or they was coming to repossess my car. I tried talking to them, showing them my originally agreement and they told me that they had nothing to fo with that and this was the new amount that they have now. Credit Accetance is a Loan Predator! A total rip off. They took my car and my money! I didn't agree to their loan or sign any paperwork with them. My agreement is with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experiam has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Checking or savings account

i deposited a check on sunday XX/XX/XXXX and citibank said that the check would be cashed on monday XX/XX/XXXX but then they tell i have to wait till tomorrow just for not to be showing in my account and then just to wait till today and then just for them to tell me with a attitude that i dont know protocol that the girl i talked to didnt know what she was talking about and that now i have to wait till tomorrow and that there is nothing they can do but wait i hate citibank they have have been horrible since i first made this account.i have had so many problems with them from discrimination to disrespect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pu
rpose.
Product: Mortgage

There is a company called NewRez LLC dba as Shellpoint Mortgage servicing that is servicing my VA home loan. I revived a letter yesterday that states that I did not make my XX/XX/2020 house payment and they are charging me a {$31.00} late payment fee. The payment was made and cleared the bank on XXXX XXXX. I have tried calling there so called customer service and all I do is set on hold for long periods of time. The reason I am writing to you about this problem is that this is not the 1st time this has happened to me. About 8 months ago I had the same problem with this company. I called several times and talked different supposed service reps with no help. It was not until I filed a complaint with the XXXX  that I got someones attention to my problem and got it fixed. It tuned out that my payment was posted to the wrong account number. It seems to me that this is happening all over again. I am an elderly person and it is not easy for me to have to go to the bank, stand in line to get a copy of a canceled check to prove to this company that I in fact did make my payment and on time. I think this company should be investigated for there accounting practices. It makes me wonder how many others are having the same problem with this company?
Product: Debt collection

Security credit services is a debt buyer who purchased an account from XXXX XXXX where we purchased furniture. 
XXXX XXXX XXXX XXXX out of XXXX Texas picked up this account and notified us of a potential lawsuit if we did not resolve the account. We have come to an agreement and settled the account with an active payment arrangement. Security credit services is now trying to come after us for the same debt. A process server arrived at our home today trying to deliver court documents on a debt that is already being handled by the law firm. You can not have two agencies or law firms collecting on the same debt. 
I have seen numerous XXXX XXXX XXXX complaints against XXXX XXXX XXXX and they need to remove the account that they purchased the debt from XXXXXXXX XXXX as it is already resolved. Please contact the law firm that is currently handling this account to verify our claims. Their website is : XXXX XXXX XXXX XXXX credit services LLC should be shut down and reported. They need to remove any derogatory remarks on my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the first letter was sent to the credit bureaus TransUnion, XXXX, and XXXX regarding the bankruptcy that is reporting. After several letters, I still can not get the appropriate response on how this information was obtained. When I contacted the XXXX XXXX  that is on the credit reports, the XXXX XXXX  wrote back and stated that no information is EVER sent to the credit bureaus, and is unclear how they received this information. After many letters after, I still can not get the proper actions from these credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in Experian & XXXX which is severely affecting my scores.
Product: Debt collection

Company is trying to collect a debt I don't owe them. The company is not license in my state to collect debt 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for XXXX XXXX from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and now in XXXX XXXX on board XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. Equifax and XXXX will not let me report this fraud or activate a freeze without buying a product.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$500.00} experian reports {$0.00} equifax reports {$360.00} they are reporting 3 different dates of last payment on my report XXXX  and XXXX are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look on the 2 year payment history equifax is also reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX equifax reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX/XXXX/XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, SANTANDER  CONSUMER USA opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.
Product: Mortgage

I was called last XXXX XXXX regarding the loan modification I was approved that I did not know. I called them back and told them I was not aware of this and did not received my documents. The following day, XXXX XXXX, underwriting representative called me and told me that XXXX XXXX extended it and I need to send my payment right away. They instructed me to send it via XXXX @ XXXX, send the first payment {$1200.00} send it to XXXX XXXX, XXXX officer. They explained that this is a government loan and I will not pay directly to Nation star. Since this is holiday, I send my payment for XXXX on XXXX XXXX, XXXX with the same amount to XXXX XXXX of XXXX XXXX California. XXXX XXXX called me up and told me his handling my modification form now on. I called Nationstar customer service and informed them of the situations, I spoke to XXXX XXXX and even faxed her the papers to proved to them I am in modification because I did not pay my XXXX payment. No response I received from them about it. XXXX XXXX called me XXXX XXXX, XXXX to process the XXXX final payment. Same XXXX and send it to XXXX XXXX of XXXX Michigan this time for XXXX because of the transaction fees I paid from XXXX payment. He send me receipt of the last XXXX payments via faxed. XXXX XXXX called me up XXXX XXXX, XXXX to inform me that XXXX XXXX. is closed because of the holiday. He said they will call me on XXXX XXXX, XXXX. XXXX XXXX named XXXX XXXX called me and gave me phone # XXXX to save in my phone so I will know that he 's calling me. I received a message from Nationstar again regarding my past due. I call them back to say again my story and my situations. This time I was forwarded to their supervisor XXXX XXXX. He said there is no XXXX XXXX in Nationstar company directory. I got the paper I faxed to XXXX last XXXX XXXX, XXXX. He said he will submit it all to their XXXX Department. He asked me to faxed him all receipts I have. I did the following day. Then I called XXXX XXXX to bluntly asked him if this a fraud. He said no, this legitimate and they are the underwriting depart of Nation star Mortgage LLC. He added that customer service does not know what 's going on because it is still on trial period and not yet completed. He told me that once if completed and process that 's the only time it will show all my payments and transactions. I told him that his name was not in company directory. I asked him to called them and at least give them a word about it that customer service will know about it. He said he will give them a call. I called XXXX XXXX numbers and reach the XXXX XXXX. I asked the lady for him and but she does not know him. I told the lady my purpose of calling him and she stated the XXXX does not charge a processing fee. She transferred me to XXXX who took all my information and my case and story. The following day, XXXX XXXX from XXXX legal Dept called me and asked me to faxed all the information and asked me to file this complaint.
Product: Checking or savings account

On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX I received a text from someone pretending to be my bank, Bank of America XXXX about some suspect transactionsa {$35.00} charge from XXXX XXXX  and a {$9400.00} wire transfer. They texted asking if I made those transactions and I responded back with no. They immediately called me from that same phone number pretending to be a banker from Bank of America. They said they would immediately reverse the {$35.00} back to me, which they did, which made me trust this person. Then he said in order to deal with the wire transfer that was pending on his end I had to send the exact transfer to his superior named XXXX XXXX to then credit it back to me. I fully trusted that this was someone from my bank trying to make my fraudulent charges get resolved but was instead fully scamming me. He had me wire {$9400.00} from my savings. Right after the call ended I walked into a BofA branch to close my accounts and open new ones since I was compromised. The banker I spoke to informed me that the call I received was an imposter and that THAT was the scam and that he would open a fraud claim and try to recall the wire but that there wasnt much else he could do. I took action very quickly but he said that wires hit the recievers account immediately so getting my money back would be challenging. I cant believe BofA didnt ask for more authorization or flag my HUGE wire transfer ( which Ive never made before ) to try and get ahead of the scam. Please help! : (