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

I have requested to opt out of reporting all non-public personal information and removing such accounts from my consumer report. I have notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through Experian. Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 )
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX I back in XX/XX/2011 and it was financed with GM Financial. I am XXXX XXXX  military and during the course of the loan i have XXXX 5 times and have been able to get no real assistance with GM. I was told i have military benefits applied to my account and i do not believe that to be true. During the outage i have not received any statements nor was i able to speak to customer service. The phones would ring busy or agents would answer to state the systems were down. Finally after my wife reached a rep in XX/XX/XXXX i was told no information would be reported for the months the system was down because customers were unable to make payments. I will soon be in the process to purchase a home and now after not reporting for 6 months GM Financial places 6 months of negative history on my credit reports. Phone reps said they didnt know when they would round and when my wife chatted with only they said they would make a request to update for XX/XX/XXXX. This has been a stressful process and could potential affect my military clearance and my home buying process.
Product: Checking or savings account

XX/XX/year>, Made a phone call to Capital One due to my direct deposits not being able to go through. I get paid on Wednesday and I havent received anything until I realized that its not me thats causing the problem but the bank its self. All over social media theyve been complaining about the same issue and all Capital One says is they have an issue with a third lender. This is ridiculous not even one email that says Capital one is done or having issues. I have to go on social media to find out myself. On top of that I havent been able to pay my bills that are due this week and Im falling behind if they dont allow us to access our direct deposits this is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Product: Bank account or service

Citi Bank has garnished my commercial checking account without notification. I have contacted them on the phone and in the branch and no repose so far. The account is also joint with my wife and it has a zero balance after it had {$38000.00} in it. I am a head of a household with XXXX kids and have no funds to feed my family. I have hired a lawyer and still no response. Need urgent resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan has been reporting the wrong balance before school was shutdown for fraudulent Activity. 
There are duplicate student loans that are reporting negatively on my credit report I have tried to resolve this issue several times
Product: Credit reporting

I contacted Equifax to dispute XXXX debts that were n't mine. They never sent me notification the dispute was properly investigated. They simply stopped sending me e-mails telling me they were working on the dispute. I checked on the website but was denied the ability to view the results. This was different than a previous address dispute that was handled in the same manner. In that case I had no problem viewing their results. When I called on the phone, they simply said the creditor verified the debt but would not tell me how or provide me any documentation.
Product: Debt collection

Transunion has failed to communicate results on the investigation I requested about accounts on my credit report with me for the following accounts : XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Debt collection

I am being harassed by Midland Credit Management regarding a medical debt of {$3700.00}. They have initiated legal action against me and threatened to file a lawsuit for this debt. I was not given an opportunity to discuss or dispute the debt before legal proceedings began because they sent communication to an address I no longer reside in. Additionally, according to NYS Senate Bill 2023-S4907- the state prohibits medical debt from being collected by a consumer reporting agency or included in a consumer report and prohibits medical service providers from reporting medical debt directly or indirectly to a consumer reporting agency.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor SBNASELFLNDR ACCOUNT # XXXX has violated my rights under 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 an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( S ) Or Delete The Late Payments
Product: Credit card or prepaid card

On XX/XX/2022 at approximately XXXX XXXX, I received an e-mail from XXXX that I had been issued a credit from the merchant XXXX XXXX XXXX in the amount of {$370.00}. So I login to XXXX to view my account and notice that I had received the refund in the account as noted in the recent activity. However, the balance nor the available credit had been updated yet. So I thought well this will probably be processed on to the account tonight and updated tomorrow. So the next day, XX/XX/XXXX, I login to check the status of my account and the recent and the {$370.00} was removed from the recent activity. I decided to call paypal credit to find out what was going on. I spoke to a rep that said that they never sent me an email and that the merchant did not send paypay any refund. So I ask if I should report the email as phishing to XXXX and the rep said not that to disregard it and I inquired about the refund and how it is processed and the rep could not explain it to me to my comprehension I mention if the company canceled the refund then I would need to dispute it. The rep agreed and started to process the dispute. I was told that the would issue a new account and would have to update any merchants I have recurring charges with and the balance would transferred over to the new account. The next day the XXXX XXXX XXXX XXXX XXXX to the account for {$370.00} and the balance was like XXXX XXXX and something dollars I knew that that balance was incorrect and did the math and it was additional {$370.00} that I believe to be a provisional credit that had also been posted so I called in and explained everything to a new rep who was with investigations that I was withdrawing my dispute due to the credit being posted to the account and told him all the back needed to do was remove the provisional credit and my account would be back to normal. The response was ok. About a day or two later I login to check the account to make sure everything was fix and see that my balance is {$1000.00}. Upon further review of my account, I determine that Synchrony bank had mistakenly did an additional balance transfer for {$370.00}. So I call the bank and ask to speak to a bank manager and was transferred. Upon explaining everything in full context the manager reviewed the account apologized and said it would be resolved within 48 hours. So I said thank you and waited to see. I check as instructed a few days later and had to call back in to the bank ask to speak to a manager and was transferred explained everything again and was told that I need to wait I felt that this was getting repetitive and stated that I was just going to file a complaint with CFPB because they reported the amount in question to the credit bureau I said bye to the lady and she ask if I could please hold on for a second so I said ok. I was transferred to a rude lady that stated she was a bank manager for the investigations. I told her I never asked to speak with her and very cordially explained briefly what happened she said that there was no mistake and everything is right on the account. I told her I disagreed and would pursue a different remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my Equifax credit file in 2018 due to their data breach. I am now trying to unfreeze my credit report to apply for a credit card. Equifax is not allowing me to access my online account. When I called the representative on the phone was unhelpful and stated he could not verify my information since I do not carry a balance on any of my credit cards.
Product: Credit reporting or other personal consumer reports

XXXX RESPONSE TO THE SAME COMPLAINT SENT TO XXXX AND TRANS UNION. Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 
DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.
Product: Debt collection

This company calls me several times a week. I tell them that the person they are looking for is my ex husband and that we have been divorced since 2011. They say they will remove me from their list, but then just call me from a different number. It is Northstar Location Services. Today they called me at my BUSINESS number and left a message that my ex husband had given them my contact information. They left their name and acted like they were a long lost friend trying to get in touch. No mention that they were trying to collect a debt. There is no way he would have given them my contact information. They will not leave me alone and have called my parents and my new husband. The icing on the cake was calling my business.
Product: Checking or savings account

This complaint is in regards to fraudulent activities on both my checking and savings accounts with Chase bank. A few days ago there were fraudulent charges coming out directly from my checking and savings accounts. I called Chase immediately to lock my accounts and file the respective fraud claims. The Chase agent said that she would freeze my accounts until I could open new accounts. Two days  later, I received a Chase alert that my checking account was overdrawn. There were three more fraudulent charges made which completely had wiped out my checking account. The Chae agent did not place the freeze on the accounts. I went to the branch, filed more claims for three more fraudulent charges and opened new accounts. The next day I saw that Chase was reversing my stolen money to the compromised checking account instead of the new account. I no longer have access to the compromised account, therefore this reversal means nothing. Every Chase person I talk to tells me a different thing. The inefficiency of this company is outrageous. The branch manager said that they are doing activity with the fraudulent account because its part of the investigation, my case manager with Chase now tells me to withdraw money from the compromised account and put it into the new one, the Chase agent on the phone tells me its not up to them now to get those funds transferred to my new account. I sit here penniless, frustrated, and in disbelief of what is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX # XXXX and # XXXX ; XXXX ; Dept of Ed/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting

Basically the same complaints filed against XXXX and XXXX. Refusal to properly investigate improper hard inquires allowed against my authorization. Fraud Alert placed XX/XX/XXXX has not been honored. I only signed XXXX applications after Fraud Alert only XXXX but I have over XXXX hard inquiries. They refuse to remove as they need letters. 
Please help if possible to get these removed, Thank You. XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, a person called saying that he was an investigator from Bank of America 's Fraud department. He stated that someone used my information to apply for a loan on XX/XX/2023. This person attempted to make XXXX transactions on XXXX of {$500.00} each and to stop them he said I needed to enter " codes '' through XXXX. This occurred on XX/XX/XXXX, the same day as the phone call. He continued to call and asked to input these " codes '' which ended up being money taken out of my account. He said my account was violated and an employee from the bank had stolen my information and he was going to try to stop him because he said that the employee had taken from my account. This resulted in {$11000.00} being withdrawn from my account. Due to this, my bank account got locked and I was no longer able to access my funds which led to him asking me to cash some checks and send the money through XXXX XXXX, XXXX XXXX, and XXXX to XXXX to a supposed supervisor to put the money back into my account to " reactivate '' it. It was four checks of {$9700.00}. He said that if I didn't complete this request my account would be inaccessible for 7 months and he said I wouldn't be able to access my account to pay my bills. He never asked for any information, he was able to see my balance as well as my daughter 's balance and he got her involved and asked her to put in the last code that they needed to reimburse the money he had from my account. The number from where he was calling first had a recording claiming to be Bank of America, they would claim the phone call was being recorded, and each time they would say a code as if it was a secured employee code from Bank of America. At some point during all of this more people began to get involved saying they were general managers and supervisors from the Fraud department. My daughter and I had to open new accounts on XX/XX/2023. XXXX specific individual continued to call my daughter still claiming to be from Bank of America and that he wanted to finalize the process and put the money back into the account.
Product: Credit reporting or other personal consumer reports

I have tried to contact the company I can't contact the company through phone or mail everything I send to the company as far as mail keeps coming back I follow the address that's on the credit report and the stating that it's wrong The debt collectors that I paid through said that they couldn't delete it but I was told that once it was paid that they will delete it
Product: Mortgage

Upon closing on my home, my loan was serviced by XXXX XXXX XXXX. It was set up that my homeowners insurance would be paid out of my escrow. Within 2 weeks, I received a letter stating that Newrez was going to be taking over my loan and that nothing was needed from me, everything would remain the same. My initial policy was paid via my escrow. On XX/XX/year>, I received a text from my insurance agent stating that my homeowners premium was not paid yet, despite being overdue. I called Newrez on XX/XX/year> and was told that the homeowners insurance was no longer paid from escrow. I asked the agent why and she could not give me an explanation. She advised that I sent a written request stating I wanted my homeowners insurance to be paid via escrow, along with the premium bill so that it could be reviewed and paid. That same day, I sent the requested documents via fax AND uploaded in my online portal. On XX/XX/year>, I received an email from XXXX that my insurance premium was still not paid and it must be paid by XX/XX/year> to avoid cancellation. I called Newrez twice on XX/XX/year> and STILL have yet to receive any information or help. I now am left with 5 days to come up with over {$1000.00} to avoid my policy being cancelled. I still have no answers as to why this happened and no answers as to why my many message requests have been left unanswered. I have called twice today just to get the run around and told to call another department for assistance. Newrez has been absolutely terrible in communication and timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

We were contacted b Allied Collection Service by phone XXXX notifying us of XXXX attempt to collect an invalid debt. We asked them to send the information and the notice of the right to dispute so that we could dispute it as numerous attempts to resolve with XXXX " Customer Service '' had failed. We never received the details or the notice of right to dispute from Allied Collection Service. We called Allied Collection Service on XX/XX/XXXX to let them know the debt was resolved, even though we never received the details from Allied Collection Service or the right to dispute. On XX/XX/XXXX and XX/XX/XXXX, Allied Collection Service opened account against my credit with XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I first phoned Resurgent Capital Services on XX/XX/XXXX at XXXX XXXX and spoke to a representative by the name of XXXX. I've requested an account summary report in which they did send to me. I also explained to XXXX that reference ID XXXX was dated back XX/XX/XXXX and that the account was either already paid or was taken care of during a previous bankruptcy. The account information is from XXXX XXXX  for merchant XXXX for the amount of {$430.00}. On their historical account information which is on the account summary report it states the original date with original creditor was XX/XX/XXXX and the charge-off date was XX/XX/XXXXXXXX XXXX XXXX Resurgent Capital Services received information from XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX I also explained to XXXX that the charge was over 15 years ago and I should not be bothered. 

Today XX/XX/XXXXXXXX XXXX XXXX I received an email from XXXX stating that I need to take care of my outstanding balance. They are a debt collector and they are attempting to collect a debt from me. The XXXX account number is : XXXX for the same amount of {$430.00}. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXXXXXX XXXX XXXX XXXX  and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.
Product: Credit card or prepaid card

I applied for citi credit card. I was offered a XXXX XXXX XXXX balance transfer option, which I utilized. However, they are charging me XXXX XXXX XXXX on new purchases, even if I pay my new purchase balances on time.
Product: Debt collection

Ive been contacted by Jefferson Capital System. Ive also explained and also disputed it on my credit report that the account was fraudulent and I had no knowledge of it and asked it be removed It was still not removed and I was also told that it wouldnt be. Im asking that this be removed from my credit report please