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

I had submitted a complaint in XX/XX/XXXX, reference number XXXX. Ally Bank 's response was still rather perfunctory. Hence, this new complaint is initiated. 

In Ally Bank 's response, it included a paragraph " On XX/XX/XXXX, we sent an email to your email address on file alerting you that Changes are being made to our Deposit Agreement. The email also included a link to the Ally Bank Deposit Agreement and Disclosures effective XX/XX/XXXX, with changes as of XX/XX/XXXX. One of the updates included further clarification on how we calculate interest on your account ( s ). Our Deposit Agreement and Disclosures can be found under Legal beneath Terms & Privacy toward the bottom right of our website, www.ally.com. '' However, the problem I raised last time was not really addressed. The interest calculation methodology for my banking account was totally inconsistent from one month to the next starting from XX/XX/XXXX. Either the deposit agreement change went into effect on XX/XX/XXXX or XX/XX/XXXX, that can't explain why the interest calculation methodology was different between XXXX and XXXX, between XXXX and XXXX, between XXXX and XXXX, etc. in the same year. Please stop the perfunctory tactics and provide the honest answer. 

Plus, the interest accruals in the savings account had always been posted on the XXXX of every month through XX/XX/XXXX. Why was my most recent interest accrual was only posted as late as XX/XX/XXXX??????? Let alone between XX/XX/XXXX and XX/XX/XXXX the posting date keep changing again and again. How much more deficient does the bank system need to be before it can be admitted to be a problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I attempted to access my credit report, as directed from the FTC 's annual credit report site. I was able to obtain both my XXXX  and XXXX  reports in a short amount of time. However, when I attempted to access the free Equifax report that I am entitled to by law I was presented with a series of baffling and unanswerable questions ( unanswerable because the assumed conditions did not apply -- for example, one question said " Your credit report indicates you may have leased a vehicle beginning in XX/XX/XXXX, from which company .... '' Since I did not lease any vehicle ever, that is an impossible question to answer. The other questions were similarly inscrutable, involving student loans I never took out, bank cards I do not hold, and the like. 
After failing these tests, I was directed to mail very sensitive personal information in hard copy INCLUDING Social Security number. That is obviously not a secure method of seeking information and does not fulfill their obligation to afford me access to my own credit report. I tried again and got a similarly bizarre set of questions that I " failed. '' This is not the first time I have had a similar experience with Equifax, which leads me to believe this is an intentionally unfair practice designed to deter consumers from exercising their rights under federal law. As such, Equifax should be investigated and their practices brought into line with their obligations.
Product: Credit card or prepaid card

I received a credit card statement from an account opened in my name at Citizens Bank NA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account 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 account below : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Failure to Remove Fraudulent XXXX XXXX Account from Credit Report I am writing to file a formal complaint against XXXX for their failure to remove a fraudulent loan account from my credit report, despite having provided all necessary documentation evidencing identity theft. 

Background : Fraudulent Account Details : Creditor XXXX XXXX Account Number : XXXX I have notified XXXX  several times but willfully and negligently failed to remove this account off my credit report which cause me harm of denial of credit, lower credit score, emotional and mental stress. 

Despite providing comprehensive evidence of identity theft, XXXX has failed to remove the fraudulent account from my credit report. This inaction is causing significant harm to my creditworthiness and financial well-being.

Applicable Law : Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency is required to block the reporting of information identified by the consumer as resulting from identity theft within four business days of receiving appropriate proof. 
CONSUMER FINANCIAL PROTECTION BUREAU 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) : Furnishers of information, such as XXXX, are obligated to cease reporting information that has been identified as resulting from identity theft upon receiving notice, including an identity theft report.
Product: Consumer Loan

Equifax continues to list a " Public Record '' of XXXX from XXXX County Magistrate. I have provided them copies of latest judgement in response to XXXX of which I won and the debt was dismissed. This should be deleted from my credit report
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX Acct # 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / XXXX is reporting my student loan account information inaccurately. XXXX. of XXXX / XXXX is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with XXXX several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have XXXX send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX / XXXX should be reporting {$0.00} or Forbearance or Deferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opend : XX/XX/XXXX Balance : {$8800.0XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$24.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX.
Product: Credit card

I had a credit card with TJMaxx that I put on automatic payment. The account I used was one I don't often use and when the XXXX payment was rejected for Insufficient Funds I called the company, changed to the correct account and made it the auto payment account, made the XXXX payment with the representative while on line so that the account was current. When I went to the store in XXXX on XX/XX/XXXX to make a purchase, my card was declined. When I called the company on XX/XX/XXXX to see why that was, I was told the account had been closed by the company on XX/XX/XXXX for too many declined payments. I explained what had transpired in XXXX so no payment should have been declined. After speaking with 2 reps in 2 different departments ( XXXX in Customer Service and XXXX, a Credit Supervisor in the Credit department ), it was discovered that I had made a payment in XXXX when I changed the account for autopay but the new autopay had not been applied. The company had closed my account as a result of that error but the person I spoke with did not have the ability to reopen my account. The closing of my account by the company dropped my Credit Score XXXX points! The representative sent this information of the payments and autopay error to another department to see if they could make the correction but that process takes 30 days during which time my credit rating suffers a XXXX point deficit. Subsequently I received a letter from TJMaxx stating the reason for closing my account was " the number of dishonored payments. '' I checked with the bank of the original autopay account and no attempt had been made by TJMaxx since the original NSF charge in XXXX. TJ Maxx did not try to take the autopay from the old account, which would have been accepted and they failed to utilize the autopay I set up on the new account. I also made the XXXX payment with the Customer Service XXXX, XXXX on the same day ( XX/XX/XXXX ) I called about this issue. The account should not have been closed because there was no " dishonored payment '' after XXXX either at the original autopay account or the newly set up autopay account.
Product: Credit reporting

I recently checked my credit report ( Eqiifax ) and noticed a problem in my personal information. In my address information, I checked the listing and noticed an inconsistency. 
" XXXX XXXX XXXX XXXX XXXX, NJ XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX '' I never lived in XXXX, nor do I plan on moving there. So I have good reason to suspect there is a potential identity theft going on. Please help!
Product: Credit card or prepaid card

-I received a letter dated XX/XX/2020 from Comenity advising me of a change to my XXXX credit card account. 
-I was advised that the revised terms included an APR for purchases of 21.49 %. 
( my current rate is 14.74 % ) -The Customer Service rep advised this was due to market conditions. I asked how the rate could go up when the current rate of interest -Fed Funds rate is between o % and .25 % and mortgage rates@ 3.56 %. She had no response. 
-I have had this VISA card since XXXX! ( though the banks have changed ). 
-I have a good payments history. 
-I can only describe this rate increase as USURY!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX  XXXX  ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency XXXX XXXX XXXX have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the credit report provided by Equifax on XX/XX/XXXX at https : //my.equifax.com/membercenter/ # /credit/personal-information, my current address of XXXX XXXX XXXX, XXXX, NJ XXXX is incorrectly reported as " previous address ''. On the other hand, my previous address of XXXX XXXX XXXX, XXXX, NJ XXXX ( which my ex-husband and I sold in XX/XX/XXXX, following our divorce ), is incorrectly reported as " current address ''. 

While this seems to be a minor or insignificant issue, it concerns me because I've had been concerned about possible real estate fraud problem against my current property, which I bought in XXXX XXXX and have a deed recorded in XXXX XXXX, NJ. 

I tried to submit a dispute on Equifax website, however, the dispute center doesn't have the option to dispute or correct this kind of problem. 

I would appreciate if you can help address and resolve this issue for me. Thank you. 

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

It does not belong to me. It is fraud! This is causing me a lot of stress and XXXX.
Product: Credit card

On XXXX/XXXX/2015 I purchased a washer and dryer on my Sears Credit card from the Sears in XXXX, TN. My purchase included the washer, dryer, washer hoses, dryer vent, dryer hose, stacking kit, delivery and installation. I was in the process of remodeling my laundry room, so I set the date of delivery for XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX deliverymen brought the hoses, vent, and cord, nothing else. After a call to the warehouse, the store, and the XXXX number, it seems someone rescheduled without informing me. Then it was later discovered that they did n't have the stacking kit. I proceeded to reach out to Sears again via phone and social media on XXXX/XXXX/2015 and finally managed to get the washer and dryer. I was informed I 'd have to make further arrangements to complete my order and installation ( setting up the appliances with the stacking kit ). I 've had no contact until I called the XXXX number today. First they tried to lead me to believe my order was complete. When I corrected the info, I was put on hold. The woman came back on and said my part was at the store and that I could call there. I have since called someone I believe to be the manager in the appliance dept, Sears at XXXX and explained what was going on. He has yet to call me back. I used my Sears card and have been making my payments on something that I purchased on an obligation that has not been fulfilled. I 've been fulfilling my end of the bargain by making my payments and would just like Sears to do the same by completing my order and installation. The run around I have received is ridiculous and their handling of my order has been unsatisfactory. I 'm hoping that maybe someone outside of Sears inner circle may be able to assist me in this matter.
Product: Debt collection

LVNY IS ON MY CREDIT REPORT REPORTING COLLECTIONS I HAVE NO KNOWLEDGE OF THIS CREDITOR OR DEBT COLECTOR I HAVE REACGED OF FOR VALIDATION OF DEBT XXXX HAVE NOT HEARD FROM THEM IT HAS XXXX XXXX. 
THE NEGATIVE REMARK IS CAUSING XXXX GREAT HARDSGIP AND I AM EAGER TO HAVE THIS TAKEN CARE ASAP
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act, the list of accounts below has violated my Federal protected and consumer rights to privacy and confidentiality under 15 U.S.C 1681 Dept of Education # XXXX Dept of Education # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A : State I have a right to privacy 15 U.S.C 1681 section 2 : It's also state a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( a ) ( 5 ) section : States no consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which ante dates the report by more then seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in inaccurate.

15 U.S.C. 6802 : I did not receive the required opt-out notice at the time you created the account that is being reported and state law under the Fair Credit act is I most be notified if my information passing from one report agency to the next...
Product: Payday loan, title loan, or personal loan

I was contacted by a Man through text message and by phone saying he was with a Loan Company by the name of 1Main Financial .... He told me I was approved of this Loan But I needed to purchase Insurance, In Case I wasn't able to pay out the Loan .. He requested I purchase a {$200.00} XXXX XXXX Card .... That was going to be used for Insurance ... I Have Reciept of that purchase ... After talking to this Man, 15 mins he stated I needed to pay Taxes on this Loan Money ... .. I Then knew it had to be a Scam .... He stated he lived in a Tax Free State .... Haha ... I have a phone recording of him saying he will be taking money out of my account! I NEVER received any Money ... .. What can I do?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices which violate the CFPA. specifically cash app failed to take timely and effective measures to prevent any address fraud on their platform leaving my account vulnerable and unprotected and the did not comply under the EFTA and regulation E. These actions have caused an inconvenience and financial loss and I seek appropriate redress for these violations.