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

Ally Bank said they were closing the account on XX/XX/22 due to unauthorized activity totaling around {$160.00}. I know its not a lot of money but it shouldnt matter. I mean if its my account and I didnt make the transactions why am I at fault? The past two months Ive regretted ever having an account with them. I have read reviews online where they did the same thing to others but much worse. They closed their accounts and stole their money. I mean I just dont want that to happen to me. I would advise anyone thinking of opening an account with them to rethink their decision to do so.
Product: Credit reporting or other personal consumer reports

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 : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX - XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, XXXX I called Experian after receiving my credit report and noticed an extreme amount of inquiries on my credit report. I asked them to be removed because I didnt give any of these companies authorization to run my credit. I was told by a representative that they would not be removed off of my credit report. The inquries are as followed : XXXX : XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Product: Debt collection

This has been ongoing issue with comenity Bank XXXX I paid them off in XXXX of XXXX XXXX left was {$2.00} as of XX/XX/XXXX that is left over Balance on this account last XXXX digits XXXX, I keep all my invoices, I contacted XXXX/Comenitybank several times XXXX to several to correct this main issue. I XXXX, t want my credit destroyed Send out by mail copies showing them that this account has been paid in full. 
Spoken to some foreign hardly speaks so well XXXX.I had trouble communicating with them I have copies with me to dispute this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like very much to resolve this issue, Thank you. 
Sincerely XXXX XXXX
Product: Bank account or service

I had a suntrust bank account a year ago. However upon getting a check and placing it in my account my account was locked and I was notified by the bank it was because I had place more money in my account then normal and they had to check for suspicious activity. I had no problem with that .i would say about a week or so later I got mail stating that my account was closed due to this and that they were going to reissue my funds. I got that specific check mailed back to me and I was told that I could cash it at another place .i took that check to be cashed at XXXX .where I waited for about a hour for the young lady to tell me that she could n't cash it and no one else would be able to go back to suntrust to cash the check. I was never able to cash it and I 'm frustration I just gave up .fast forward to now I wanted to open a bank account with XXXX XXXX XXXX . I was approved and told I was going to get my card in the mail .before I even got my card I got a letter stating my account was closed .when I called to inquire why it was closed so abruptly without me using it I was told that it was due p fraudulent checks which I was bewildered about because I never had placed any funds into this account and I never obtained a XXXX XXXX XXXX account . I then tried with XXXX XXXX with no avail but being told the same dilemma .while having a suntrust account o never was told of this and now I ca n't open up a account anywhere until the issue is resolved
Product: Vehicle loan or lease

I had a lease with Hyundai Motor Finance USA ( HMFUSA ) that ended in XXXX of XXXX. At the end of the lease, there was to be a ~ {$500.00} turn in fee, plus any wear and tear, I estimated wear and tear to be about ~ {$300.00} additional. This amount turned out to be correct. 

The issue that I am encountering has to do with the payment of this fee. I turned in the vehicle in the midst of COVID-19, which delayed the turn in until XX/XX/2020 at their request. The vehicle and keys were turned into the General Manager XXXX XXXX of XXXX Hyundai in XXXX. The vehicle was accepted, and I was told that I would hear from Hyundai as to when, where, and how I could pay my fee. 

I heard nothing from Hyundai until XX/XX/2020, that the amount was past due, and I had already been reported as delinquent to the credit bureaus. Before I could speak with Hyundai regarding the fee and where to send it, they damaged my credit. No details for payment were available online or in print. 

When I accessed their website to pay the fee, my account showed as zero 'd out and complete ... with nothing owed. I have screenshots to prove this.Months later, I get a notification from the credit bureaus that I have been reported as 60-90 days delinquent.

In the entire 60 months of the lease, I had never missed or been late on a payment. Yet, because of COVID-19 and issues on Hyundai 's side... my credit has been incredibly damaged. 

I spoke with them at the beginning of the disagreement, and they said that if I paid the fee, that they would take care of the reports to the credit agencies. That has not occurred. I tried to settle based upon their emails, but my account had been disabled.

I have made numerous calls and requests to HMFUSA to speak to someone, but all attempts at contact have failed. They will not respond to emails, phone calls, or mail. 

I have also contacted all 3 credit bureaus asking for investigation/ appealing the remarks. But this has also failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX dated XX/XX/2017 and less then 1 week a collection was placed in my credit reporr in a clear violation of the FDCRA but the worst part is that XXXX amd EQUIFAX allowed XXXX XXXX to place an incaccurate account open in a lapse of time I was not living in the address and obviously opened using my identity. 
The date show XX/XX/2017 and during that period i was in a shelter for over 1 year since XX/XX/2017 as shown in a residency letter. 
The account number is XXXX as appear in the collection letter for XXXX with XXXX as original creditor. 
XXXX AND EQUIFAX violate the FCRA by allowed the collector to place imaccurate and false infornation in my credit report without any supporr or verification.
Product: Checking or savings account

Unable to open account with chime online. They kept telling I needed documents to open up account so I send copies of my ID my ss card and proof of address. I nvr got helped they kept telling me someone would remove the block n til this day my account is still blocked I nvr knew wut the problem was. Poor customer service. They could nvr help resolve the problem. Tried to resolve for about 2 months.
Product: Mortgage

in XX/XX/XXXX my husband took a loan out for a double wide wish was XXXX XXXX dollars at the time he had been ill and had received XXXX after working in XXXX XXXX for 19 years was told he couldn't take insurance out,,, he passed in XX/XX/XXXX I thought it was a 20 year long come to find out its a 30 year loan he was taken advantage of and ive been paying it every since they act like they was going to change it to 20 never did a [ n the mean time they chaged to ditech is there anything I can do concerning this matter
Product: Debt collection

National credit adjusters is trying to collect a debt for XXXX  XXXX  that is not owed to them. I never received anything in the mail from XXXX  XXXX.
Product: Debt collection

Midland Credit Management sued me while I was in good standing with a settlement agreement through XXXX XXXX XXXX on the first of three accounts held. 

All three accounts are from defaulted credit card debts. They continue to report the collection balances higher but as stated they sued me on the second account they held while I was making monthly payments on the first account. They are the only collection on my credit report & have also put a lien on my Fed tax return. I just couldnt afford to pay on all three accounts simultaneously but was in good standing on the first account when they sued me.. They sued me for {$1700.00} on an original default of {$600.00} credit limit. I settled the first account they held ( synchrony bank ) and paid it off a couple months early in good faith, prior to realizing that they sued me. In total they received {$2500.00} on the first account & dont deserve a penny more due to their unethical practices. I wouldve negotiated on the other accounts if they hadnt been so impatient & wanted me to pay on all accounts simultaneously.
Product: Credit card or prepaid card

Filed for bankruptcy in XX/XX/2022. Was granted a complete discharge of debt in XX/XX/2022. Eight months later, a whopping 240 days after the discharge, I am still met with problems with Apple/Goldman Sachs . I originally had a card with them, that has been closed for over a year now. My bankruptcy discharged my debt with them, and the subsequently, the account was closed. After trying on three separate ocassions to rebuild my credit and apply for a new card, they refuse to accept or provide a decision on the application because I have an existing/open account with them. This is extremely predatory and violates discrimination laws. They purposely wont accept my application because my debt was discharged with them, and they are annoyed that they can not harass me about it anymore. I have been working very hard to be responsible with my spending, and attempt to fix my credit. No matter what I do, how long I wait, or who I talk to, Apple/Goldman Sachs says there is nothing they can do, despite Apple employees named XXXX XXXX and XXXX XXXX XXXX who insisted that they would fix the problem, but they havent. This is a never-ending problem that can simply be fixed, which would be to allow my applications for credit to be processed normally ( like everyone else ) but they refuse to let me sign up for another account ever again. Barring me from the application process based on my financial status is a violation of federal law, and I will take immediate legal action, should this not be addressed and solved. Thank you.
Product: Credit reporting or other personal consumer reports

inaccurate and potentially fraudulent information that is being reported on my credit report by Equifax. I reviewed my credit report on XX/XX/year>, and noticed several discrepancies regarding the following accounts : XXXX  XXXX Account : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] These accounts are showing inaccurate and incomplete information, including the reporting of late payments for accounts that were closed. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported on an individuals credit file. Unfortunately, the accounts listed above do not comply with this requirement. 

I have already reached out to XXXX to dispute these accounts directly and requested an investigation into the inaccurate reporting. However, I have not yet received a satisfactory resolution, and the inaccurate information remains on my credit report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in investigating this matter and taking the necessary actions to ensure that the inaccurate and potentially fraudulent information is removed from my credit report. The accounts in question are causing undue harm to my credit score and violating my rights under the FCRA. 

The actions I request include : 1. An investigation into the reporting of the accounts listed above by Equifax.

2. Removal of all inaccurate information associated with these accounts from my credit report, including any late payment reports for accounts that have been closed.

3. Ensuring that the information is corrected to reflect accurate and complete data as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXX XXXXXXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting 6 months of missed payments, when that's not true. Also the dates are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I notice 6 late payments to XXXX XXXX County child support I contacted XXXX XXXX County they admitted their mistake sent me an email explaining it and told me to file a dispute I filed 6 rounds of disputes none of which were ever sent the XXXX XXXX County I then went to the consumer finance bureau have now filed 2 rounds with them I was told for some reason trans Union was unable to open my documents to confirm that there was a mistake made, so now I am resubmitting all these documents to take care of this, included is an email stating that the mistake was the fault of XXXX XXXX County I've included this again. I've also included copies of my passport driver 's license social security card and proof of my address in case any of those are in question
Product: Vehicle loan or lease

Letter to Remove Inaccurate Credit Information I sent of a letter to your company over 60 days ago requesting that you investigate the above account that is on my credit report. I tired to wait for your response but now it seems that your company is taking advantage of my kindness. I am not liable for this debt and want it off my credit report. I am filing a complaint with the XXXX XXXX XXXX about this issue. I don't understand why your company think 's it ok to not response to someone who is clearly trying to get her credit back on the right track. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. CREDITACPT XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you, XXXX XXXX
Product: Checking or savings account

I had a Citizens Bank Checking Account number XXXX. 
I was subject to Identify Theft where my Checking Debit card was stolen! I notified the local police authority and immediately notified Citizens. 
Because of the identity theft, no fault of mine own, Citizens arbitrarily and capriciously closed my checking account! 
I then notified the Corporate Offices of Citiizens who advised my account should not have been closed and to go into my local branch and reopen it! I have attempted this without success!
Product: Credit card or prepaid card

I went to the my local branch of the Huntington bank and I applied the XXXX XXXX credit card on XX/XX/XXXX using my BUSINESS information ( LLC ) only. I was NOT told that Huntington bank would check my PERSONAL credit score for this application of the business credit card at that time. I did NOT sign any document to authorize Huntington bank to pull out my PERSONAL credit score as well. 

On XX/XX/XXXX, I surprisingly received a notice from XXXX XXXX that there is a hard pull requested by Huntington bank to check my PERSONAL credit score at XXXX. 

On XX/XX/XXXX, I was told that my application of the BUSINESS card was denied. I called Huntington bank and I was told that the application is denied because my BUSINESS does not have the sufficient score. 

I am fine with the result and the explanation. But I do NOT understand why Huntington checked my PERSONAL credit score without my authorization. Then I called the Huntington bank again to ask the reason. The representative told me that my BUSINESS has no sufficient score and then they checked my PERSONAL score. My PERSONAL score is very good but the application decision is made based on my BUSINESS score. 

I did NOT like the response from the Huntington bank. 
First, they do NOT have my authorization to check my PERSONAL score for the application of the BUSINESS card. I was not asked for my social security number during the application of the BUSINESS card. They have my social security number because I have a checking account with Huntington bank and my social security number is on file. 
Second, the application decision is made based on my BUSINESS score. They already knew my business has no sufficient score and my application must be denied. Why did they continue to check my PERSONAL score? It is a useless action and its only purpose is to hurt my PERSONAL credit score.
Product: Vehicle loan or lease

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX Va Police  Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.
Product: Credit card or prepaid card

On XXXX XXXX 2017, I recieved an email from Discover Credit Card that my account has been closed without any further information. I tried to contact them for the reason behind this message, but they told me that they cant provide any information and when I insist they told me I havent submitted documents they requested. They havent revelaed which document I failed to submit yet, and also told that I have to reapply for a new card in this case. Ever since then they reported this to credit burea and rejected all my applications and enquiries on the same. After they closed my account I repayed the existing balance and cleared my account. I want to know the real reason behind this fraudulent activity on their side and also prevent my credit score being further damaged by this activity, for which I am not aware of the real reasoning. Please help me on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per your response in reference to XXXX, " Potentially negative information, such as late payments, remain on the personal credit report for up to XXXX years from the date of the original missed payment, with the exception of XXXX XXXX, XXXX and XXXX bankruptcies, which remain for up to 10 years. '' The date of my first missed payment was 2015. Please delete this account. 

In accordance with the Fair Credit Reporting act XXXXl 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: Debt collection

I was told by XXXX XXXX XXXX that if I signed up for monthly pet insurance through them I will not be charge for neutering my dog since it will be included in the insurance and it will be covered. after the surgery they did not charge me for the monthly cost and only charged me around {$700.00} for the surgery. I did not agree to it and they lied about the cost previous to the procedure.