23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been working with Ally Financial in regards to my auto loan. The loan is currently past due and we were working on an extension to get me current. I had explained to them I fell behind due to family illness and my fathers passing and expenses incurred during that time period. The XXXX agent I talked to kept telling me I have to get a fax # for them to send documents and as explained I had nothing I would find a way to fax back but dont have a way to receive. This carried on for minutes of her telling me I have to get her this information. I felt it was very harassing how she was acting. I had called back later and talked to a different agent who explained there was no need to get them a fax it would come in the mail just fax back right away she said my extension information was sent over already and that they would process it once the payment was in but it would be approved once i made the payment. I called today XXXX/XXXX/2015 to give them my confirmation # for the payment made to get my extension approved and the female i talked to was completely rude. She said that nothing will be approved on this til they see the payment posted and the paperwork is all back. I explained that the other agents told me it would be approved within a few days and that to have it go thru fully i would need paperwork back and payment on file. She said that was wrong and nothing is going to be approved til everything is in hand. I asked if the paperwork was already sent as it was sent to the dept on wed she said she cant tell me that then said I have XXXX days to return everything or it wont be approved. I asked her XXXX days from what and she refused an answer. I explained that I should have at least XXXX days from the date of the letter because I cant send back a letter that hasnt been sent to me she said that if I dont get it back in I would need to make another payment and could apply for another XXXX later thats why I have to fax. I explained to her if she checked the notes that I have no way to receive a fax at this time but would have no problem finding a way to fax in but I 'm limited on resources and funds to do this. She was very rude in how she was telling me she sees a lot of places I could just go get the fax. I told her that I felt she was being rude then she started to argue saying she wasnt rude she was informative. I told her i felt she was being very rude and that I am already looking at filing Chapter XXXX due to financial hardship and am to the point of just including this just so I dont have to work with people who are being rude to me. I understand I am behind on payments but I am also a person and am trying to fix this I dont need people making me feel worse about myself by belittling me. I found it very harassing how she treated me as someone who works in customer service/collections had XXXX of my agents treated someone that way they would have been walked out the door. I have submitted a complaint and have case # XXXX.
Product: Credit reporting or other personal consumer reports

I been consistently trying to get account validation, statements and proof I own accounts. No proof has been sent. No statements no nothing, but the credit bureaus keep verifying the account with no proof. I just filed another identity theft affidavit, and now Experian and XXXX is saying they cant locate my credit profile or verify my identity after I sent all documents they requested from me. I cant call in to speak to a credit specialist because everytime I call in, they ask me verification questions. When I answer the questions correctly, they tell me Im wrong on questions when I know the answers. The information in their database is incorrect and the credit bureau dont offer me a way to correct the info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tidewater Motor Credit has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted Tidewater to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern Wakefield and associates you are reporting this collection as an open account which is not under fcra compliance this is inaccurate reporting and it needs to be removed immediately please send me a copy of my credit report when the above collection is deleted and has been removed
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA ( Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I've notice that transunion currently reports an account under the name : XXXX XXXX  inaccurately. 

1 ) The name and address on this account is completely inaccurate and misleading. A violation of FCRA rules section 1681 2 ) The reported balance is wrong and inconsistent a violation of FCRA rules 3 ) The last date of activity is inaccurate a violation of FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was allowed to add a false debt collection on my Experian report. They also added it to XXXX. It was removed from my XXXX report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to XXXX XXXX XXXX however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, DOB : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian the credit reporting agency, block information appearing on my consumer credit report that is in the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and another one for XXXX XXXX XXXX  on the date of XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a student loan account was open at XXXX under the account number XXXX that appears related to the aforementioned. These accounts have resulted in I do not recognize the aforementioned accounts, collections, or negative items reported. The aforementioned accounts, collections, and negative items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and negative items are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Credit Control Corp. is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Control Corp. or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Control Corp. I have yet to witness a " wet ink '' signature between XXXX XXXX and Credit Control Corp. nor have I ever received a True Bill in commerce in regards to this account. Credit Control Corps has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.
Product: Debt collection

Enhanced Recovery Co. is attempting to collect on an alleged debt for '' XXXX XXXX '' balance due {$500.00} A debt that I am not aware of, I NEVER received any written notification from them regarding this debt nor have I ever received a phone call, however, without validation of this debt, they place this derogatory information on my credit report. 

Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, this company is in violation of one or more laws. South Carolina Courts have held verification requires reasonable investigation into the facts. This was not the case here. I was not giving my legal right to dispute this alleged debt. Is this an account that has possibly reached the statute of limitation an has been re-aged in an attempt to collect? 

I have never had an account with 11 XXXX XXXX and they have no proof as such account is valid. Yet they have reported this as if it has been validated
Product: Credit card

Citi bank double cash Mastercard account with {$10000.00} credit limit.

Bank rules never taught. You can not be DENIED credit due to credit score, credit history, or income. Any adverse action in a consumers credit transactions illegallllllll.

15 United States Code 1691 I.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX, AS WELL AS XXXX CONSUMER CREDIT REPORTING BUREAU, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.
Product: Checking or savings account

My accounts were incorrectly charged overdraft fees on debit and ATM withdrawals
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
10. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.1. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, XXXX and experian is reporting this account. Yes I have notified them as well.
Product: Credit card or prepaid card

It's possible the representative I spoke with is out of the office, but they have been incommunicado for almost a week. I was promised a refund of the {$24.00} credit balance on my rewards card, but moreover, I was promised my account would be reviewed for reopening if I provided proof I did not request the stop payment. XXXX reviewed my call and confirmed I never asked the rep to put a stop payment on the account, only asked about an NSF fee on an old checking account. I sent over XXXX documentation where they explicitly state this, but I have not heard back. I should not have my account closed over {$44.00}, one that I have been a very good with since 2018 amounting to total amounts around {$100000.00}. This is especially true where I was not the one issuing the stop payment. I was the one actually trying to manually make payment! The bank was the one erroneously stopping payment, per their letters sent to Synchrony.
Product: Mortgage

I received a notice to vacate from Attorney XXXX XXXX XXXX stating that the owner XXXX XXXX XXXX XXXX XXXX is seeking to recover possession of the property. After contacting XXXX Bank, I received an email ( attached ) stating that XXXX owned the property that XXXX Bank is the trustee not the owner, but after research XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that the property was Service Released to Ocwen and XXXX Bank is still the Trustee not the owner. Attorney XXXX, under the motion filed in court by Another law Firm states that the property was sold to XXXX Bank by XXXX on XXXX XXXX, 2014. I never receive the addition information that XXXX Bank stated that i should have received by Ocwen as the transfer of the property to Ocwen. I called Ocwen and was told that the social security number listed on the loan number did n't match the property address at XXXX XXXX XXXX XXXX XXXX, LA XXXX. The loan number given to me by XXXX Bank # XXXX, and that Ocwen was responsible for the proceeding. The attorney filed that he was representing XXXX Bank as the owner. In court the attorney that gets the motion signed is working at the XXXX where we are to report fraud in Louisiana and he and other attorneys are committing fraud for these bank.
Product: Credit card or prepaid card

I booked a cruise in XX/XX/2020. Because of Covid19, the cruise was canceled and we were given the option for a full refund and I took that option. On XX/XX/XXXX, the cruiseline sent me an email that they processed a complete and full refund. 

In checking with my credit card company, I didn't see the credit so I asked that I put those amounts in dispute. In the meantime, I checked online and there was a credit all of a sudden showing on my account. I called Chase ( my credit card company ) and in a discussion, I had thought the credit showing was my dispute but as it turns out it was the cruise line giving me the credit, which was apparently given on XX/XX/XXXX but you couldn't tell from looking online that it came from the cruise line and it had a date in early XXXX yet Chase told me they got my money on XX/XX/XXXX. 

On XX/XX/2020, I called Chase, spoke with a XXXX and asked that my negative credit balance be sent to me in a check. I explained that I needed to have my money back as I didn't have a " trip '' and since it was credited back to me, I wanted a check. I also advised that I wouldn't use my card anymore till this was resolved. On XXXX XXXX told me that it could take 7 to 10 business days for Chase to send me a check. 

I called Chase again end of week around XX/XX/XXXX to see if there was any progress. At that time the representative told me they received my request for a refund on XX/XX/XXXX, which was 5 business days after I requested it. I was beside myself so I asked for a supervisor to call me. On Monday, XX/XX/XXXX, I received a call from a SUPPOSED Chase supervisor telling me not to worry that the check was already in the mail and had been mailed. 

Late on XX/XX/XXXX, I called to see what the status of the check was. I know it was not mailed because when I check online, it shows still a negative balance on my account of {$2200.00}. If they had mailed a check it would show XXXX. I got another representative on the line that said they received my request on XX/XX/XXXX and they are working on getting me a refund check. 

Now the day before, I was told by their supervisor that it was mailed. On XX/XX/XXXX, I was told it would take a maximum of 10 business days to mail a check which would have been on XX/XX/XXXX. And today on XX/XX/XXXX, I'm being told they are " working on it ''. Chase has been lying to me all along the way, meanwhile holding onto my money that I NEED because I have surmounting bills and they have no right to keep my money. They should be paying me interest at this point : ( It's not even that the cruise company held out and didn't send me a refund..They did but Chase isn't releasing me my money. I need this resolved as soon as possible. I don't believe anything they tell me any more. I feel that their actions are CRIMINAL!!!
Product: Credit reporting or other personal consumer reports

Theree is a closed account on my credit report that i did not open nor did I authorize to be opened XXXX  XXXX XXXX XXXX XX/XX/XXXX with a balance of {$13000.00}. 
A large number of inquiries are on my report that I did not authorize. 
XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX I believe my personal information was used to try and obtain a loan. I did not agree nor provide such information to the following companies and need these inquiries removed from my credit report immediately. This is hindering my credit score tremendously and preventing me from obtaining new lines of credit.
Product: Debt collection

this company has wrongfully damage my credit. i have attempted to have them remove this report because it was opened by my ex wife. they have failed to submit to me, in a requested timely manner, proof that this account is mine therefore violating federal law and committing fraud. i am prepared legally to fight this and will take any and all actions against this company. they are smart enough to know that they can not just enter things on a credit report because they feel it is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to get a car but I was told that I have a credit freeze on my file. But I never told any one to put it on there. I'm tried of the discrimination that come from this company. Here the thing, when I had the freeze on my account. My identity was stolen two times threw there security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized EXPERIAN credit pulls from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sund my brother XXXX XXXX XXXX dollar towards some bills for some reason the money nevr made it to his account and I talk to the XXXX customer service rep and still did get any help with my refund