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

I tried to open an online CD account with Ally bank. Ally bank confused my application w/my partner 's account & had some wrong info I assume from a previous application I made a few years back. ( this should not happen/crossing accounts ) Then the " trial deposits '' didn't work, " insufficient funds '' because ALLY was trying to pull money from the wrong account ( 5X ) & I called & called, sent e-mails, posted on their XXXX XXXX page & all they do is say " I'm sorry, please call XXXX-XXXX-XXXX ... it's takes 20 min. to get a person & that person will not tell you how long they have been on the job while they are grilling me on security questions more than 4 ... I find this abusive ( their automated system says 5 min wait, then changes to 5-10 min wait after 5 min, then 10-15 min wait it takes 20 min! ... ..I spoke to 2 or more supervisors who told me mail the check in, I did, but never got a thank you, confirmation or receipt for the money. This has been going on for one month, & Ally bank is still making " trial deposits '' which has cost me over {$100.00} in bank fees for NSF! ... .It is real scary to me that the bank is so poorly administered. There seems to be a real disconnect between on-line banking, over the phone communication and e-mails ... this does not seem safe or effecient. I am appalled. This started XX/XX/XXXX, my welcome package from Ally was received 3 weeks ago before the deposit was yet to be confirmed????.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding the failure to remove an inaccurate charge-off account from my credit report. Despite previous disputes and requests for its removal, the charge-off account with the account number XXXX, attributed to the company XXXX XXXX XXXX XXXX XXXX on my credit report. 

The inclusion of this inaccurate charge-off account on my credit report has had a detrimental impact on my creditworthiness and financial standing. I have made repeated attempts to rectify this issue by submitting disputes and providing supporting documentation, yet the erroneous entry remains unresolved. 

I would like to emphasize that I have no association with XXXX XXXX XXXX and have never incurred any debt or obligation with this company. Therefore, the presence of this charge-off account on my credit report is not only inaccurate but also unjust and damaging to my credit profile. 

I demand that immediate action be taken to rectify this matter by removing the inaccurate charge-off account from my credit report. Additionally, I request a thorough investigation into the circumstances surrounding the reporting of this account and the failure to address my previous disputes in a timely and effective manner. 

Furthermore, I expect compensation for the inconvenience, frustration, and potential harm caused by the continued presence of this inaccurate information on my credit report. 

Enclosed with this letter are copies of previous dispute correspondence, as well as documentation supporting my claim of the inaccuracies associated with the charge-off account in question. 

I anticipate a prompt response to this complaint, detailing the actions taken to address this issue and provide restitution for the damages incurred. Failure to do so may result in further legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Debt collection

Left apartment into new home in XXXX of 2024. I received a move out checklist signed by manager. Returned all keys, etc and no additional rent due. Now this company, IQ Data International Inc, send me a collection for {$700.00} with no explanation except listing the creditor is allegedly my former landlord.
Product: Credit card or prepaid card

NFCU has NOT responded to complaint submitted a month ago and did NOT resolve complaint when I went to branch in person. Manager XXXX called and left me a voicemail asking me to call her back but she failed to provide a DIRECT phone number. XXXX????? COMPLETELY UNACCEPTABLE CUSTOMER SERVICE!!!!
Product: Debt collection

I set up a payment arrangement with Genesis Credit Management the beginning of XX/XX/XXXX. The account rep in charge at the time ( XXXX XXXX ) offered me a deal that stated I would make weekly payments to the account until I paid off half of the full balance and, at the time it would be considered paid and closed and would be deleted from my credit. I have continually made weekly payments from $ XXXX {$250.00}. The rare occasions I had to change the amount or could not pay I called in advance and made the arrangement, and each time I verified it would not void my offer and was told it would not. A payment has never bounced. My account rep has changed numerous times due to ternover at the company but, I have Verified numerous times with each rep that the original offer still Stands, and have always been told yes. That once I paid half ( around {$4500.00} ) it would be closed and deleted. I have asked if I needed something in writing and was told no because, everything is recorded and there are full notes on the account. Less than a month ago when they called to renew my payment arrangement the woman I spoke to ( I believe XXXX XXXX said she was assigned to my account, and that by XXXX I would owe less than {$800.00} which, I agreed to pay with my taxes and the account would be closed and deleted from my credit. This past week I called to adjust my payment arrangement due to a layoff, and XXXX told me that come XXXX I would pay {$4500.00} to close it. I informed her that wasnt what was agreed upon and she directed me to a supervisor. I spoke to him ( XXXX XXXX ) about the Issue and he said the original guy that offered me the deal shouldnt have. I said that wasnt my problem and that Ive alwahs verified the terms with each new rep. He said he could take 55 % of the remaining balance which is {$1900.00} and that because it wasnt in writing he would not honor it. I told him I have worked XXXX XXXX XXXX XXXX XXXXt and that, what is stated on recording needs to be withheld. He informed me that he would not check the recording and that he would note on the account I want taking advantage of the settlement offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full, without debt and is only reporting as a closed account affecting my credit since the information provided is inaccurate, it is not shown in the 3 credit agencies, it does not show any late payment or any relevant information. It only shows that the account was closed without debt but does not represent any other information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to the 3 credit reporting agencies to have hard inquiries removed from my credit report, as those were not my inquires, and I am unsure how they got there.
Product: Consumer Loan

I was previously an XXXX service member with an auto loan with US Bank through the XXXX. I was not properly informed of the additional fees associated with the auto loan for having my payments withdrawn by allotments, I was lied to about the cost of the GAP insurance that I had covering my vehicle and I was also misinformed about the payment schedule of my loan payments for each month. I believe that I was taken advantage of as a young naive service member. The auto loan has been paid in full since XX/XX/2013. I have previously spoken with US Bank on a few occasions but was unsuccessful in having my requests met.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

XXXX XXXX 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: Mortgage

My wife and I have a FHA mortgage with Nationstar. We have met all of the requirements as of XX/XX/XXXX to remove the mortgage insurance from our loan. I submitted a request in writing and Nationstar acknowledged the request, but, as of XX/XX/XXXX I have not heard anything from them and they have not dropped the mortgage insurance from our loan. My attempts to follow up with them have not been successful.
Product: Debt collection

They illegally used my card for an account that it was not associated with. I told them more than twice to not do that. They continued to do it anyway. I paid my debts, yet they kept sending it back to the bank causing me to be further in debt with the collector. The first time they sent a letter to send to debt collectors they never said it would be in-house collection, and that it would go into effect after 15days. They continued to allow their collection department to use the same card I told them from the beginning to not use. At this point its harassment. From the beginning it was a scam company that I should have done my research before giving them access to my bank account.
Product: Credit reporting

I have informed you that the XXXX account that is reporting on my credit file is not mine. Please remove this account from my credit file. I have attach a police report as proof that this account is a result of identity theft.
Product: Debt collection

I received a statement dated XX/XX/2018 from Portfolio Recovery Associates asking me to settle a debt at a " savings rate '' based on my choice of payment. I have never received any notification of this matter prior to this letter. I was confused and alarmed at this statement, so I sent a certified letter back to Portfolio Recovery Associates on, XX/XX/2018. In this letter I asked for detailed verification with my signature showing contractual obligation with this company, also asking that until they can verify and provide proper documentation they should not report to credit agencies. No response was ever provided to myself after sending the letter. On XX/XX/2018 I sent a follow up certified letter to Portfolio Recovery Associates,  explaining they have failed to provide any sufficient details regarding this claimed debt. In this same letter, I again asked to provide verification for this alleged debt I owe them. Even though by not responding to my initial letter in a timely manner was a complete violation of FCRA and FDCA laws, I was offering another chance to provide my requested information to validate this is a true debt and not some money scam. I received a response from Portfolio recovery Associates dated XX/XX/2018, stating a generic " verification '' of account. These details provided are NOT detailed, such as a signed contract, detailed purchase and payment history. The details provided in this letter are details that are very easily obtained from any computer savvy individual. I waited a sufficient amount of time for this requested information and never received anything. So on XX/XX/2018, I sent a THIRD certified letter, again asking for detailed information just as before in the other TWO letters. On XX/XX/2018, I received a letter ( dated XX/XX/222018 ) from Portfolio Recovery Associates. Again this was a vague generic letter completely disregarding my previous requests for detailed information ( detailed purchase and payment history and a signed contract for alleged debt ). Then on XX/XX/2018, I received another letter from Portfolio Recovery Associates ( dated XX/XX/2018 ) stating they had previously requested more information of exactly what information I was seeking and this information was never received by them so the " investigation is being closed!!! This is complete nonsense! Every letter I have sent is very detailed as to what information I am seeking regarding this alleged debt. I feel like Portfolio Recovery Associates feel they are above following federal laws that protect consumers from this exact situation. They are playing some sort of game to confuse and scare consumers into paying money for alleged debts without providing requested/sufficient validation other than vague easily accessed information.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c )
any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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, inaccurate, and false information consists of : XXXX XXXX - XXXX {$0.00} XX/XX/XXXX USDOE/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile i found information that does not belong to me. That Includes accounts that i am unaware of including charge off, and the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for financing at my local furniture store. I submitted an application to Synchrony Financial and my application was denied. I did receive an immediate notification from my credit monitoring system stating that my credit had been accessed. Today, XX/XX/XXXX, I received the denial letter which states that " no credit report was found ''. They improperly used my credit report but accessing it and basing their decision on the fact that they allege they couldn't access it.
Product: Checking or savings account

On XX/XX/XXXX, I received an email stating that I had opened an account with Ally Bank. I immediately contacted Ally Bank to advise them that I had not opened an account and that the activity was fraudulent and identity theft. I then froze my credit with all three bureaus and placed alerts on my credit. 

In the intervening period, Ally claims they have closed the account, but they refuse to provide any confirmation of this in any form, including written communications, digital communications, or oral communications that would allow me to independently verify such. They have never provided an account type, account number, account balance, or other information upon request. They refuse to remove my personal data from their systems and the emails I continue to receive ( including the most recent email today XX/XX/XXXX ) indicate that my account is open and that I am receiving secure communications from their team regarding the account which I can not see and which they will not disclose to me upon request. 

I have formally demanded that they remove my data from all systems where it is not legally required to persist and they have not agreed to do this or provided confirmation that it has been done. I don't know if the account is open or if anyone is continuing to access it. I don't know the status. When I call their online system it treats me as a normal active customer when I provide my name and phone number, and asks which account I would like help with.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccuracies in all of these reports from XXXX, Equifax, and XXXX such as dates for payments such as XXXX XXXX XXXX  XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX XXXX inaccurate dates for late payments in XXXX, transunion, and Equifax. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.
Product: Credit reporting or other personal consumer reports

Urgent : I am in the process of purchasing a House, please review ASAP. 

Every year I get a PIN from the IRS because somebody used my identity to get employment. I say that to say there is someone that has my identity. 
Also I have a common name, this could be a same name error. 

On XX/XX/year> I submitted a complaint to TransUnion in regards to a negative item that is in my Credit report. They responded and stated it was verified but did not provide me any information in regards to Fair Credit Reporting Act ( FCRA ), Section 609 or Fair Credit Reporting Act, Section 611 ( a ) ( 7 ), or follow the law in regards to 15 USC 1681i : Procedure in case of disputed accuracy. 

( Negative Item ) Name of Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$170.00}. 

I can easily pay the {$170.00} but I should not have to because this is not mine. 

I have never done business with the original Creditor or the Collections company. This is not mine in any way shape or form. It needs to be removed from my Credit report ASAP.
Product: Mortgage

On XXXX XXXXXXXX XXXX I spoke to M & T Bank regarding my lapse in insurance coverage that I was not aware of. After an explanation from the Specialist they explained I had not had insurance since XXXXXXXX after insurance was not paid by the mortgage company. The specialist advised me to get insurance ASAP. 
On XX/XX/XXXX XXXX M & t bank sent me a letter stating that it was my second notice stating that insurance had expired and I needed to provide my insurance or they would purchase an insurance for me. 
On XX/XX/XXXXXXXX XXXX I received the final notice that stated they had purchased an insurance for me XX/XX/XXXXXXXX for {$1700.00} and that I could cancel that insurance after I purchased my own insurance. 
On XX/XX/XXXX I purchased my insurance from XXXX and sent them the paperwork thinking I would be getting a refund of {$1700.00} that was charged to my escrow account. 
On XX/XX/XXXX I called M & T Bank asking about the correction that needed to be made and they stated that the {$1700.00} that was charged was not from XX/XX/XXXXXXXX going forward but was charged from XX/XX/XXXX2XXXX until XXXXXXXX. I explained that I was not notified that I did not have insurance until the XX/XX/XXXXXXXX phone call I had and should not be charged for a previous time frame since I had just been notified by phone call in XX/XX/XXXXXXXX XXXX and I had only received letter in XXXX and XX/XX/XXXXXXXX about insurance lapse. I explained I would have no ability to buy another insurance policy that could be backdated from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX since I was not notified by bank until XXXXXXXX XXXX 
Specialist agreed that I would be unable to purchase my own backdated insurance but the they are able to do that and I would have no choice. 
I explained I was never given any notice to be able to purchase insurance in XXXX as neither was aware of the lapse in coverage. they explained that it was not their fault and by law they had the ability to charge me anything they could as I could not get any other insurance. 
I then cited 1024.37 Force-placed insurance were is states that Before a servicer assesses on a borrower any premium charge or fee related to force-placed insurance, the servicer must : ( i ) Deliver to a borrower or place in the mail a written notice containing the information required by paragraph ( c ) ( 2 ) of this section at least 45 days before a servicer assesses on a borrower such charge or fee ; I explained I did not receive the final notice until XXXXXXXX  and at that point I could not purchase any back dated insurance but they refused to help me stating that they can legally purchase any insurance they need. 
This is theft. the mortgage company has stolen {$1700.00} from me.M & T Bank purchased an insurance policy on XXXX for XXXX to XXXX with out written notification allowing me any options. that should be illegal.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX I set up a square business account but deactivated it by mistake and I have a XXXX $ in there, it's yet to be sent to my XXXX  account and when I triy contacting the support lines it never goes through
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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