23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted payment in full on two credit card accounts with CitiBank and XXXX. It took 15 days and two phone calls to get them to acknowledge the payments. They have not, as of XX/XX/2020, reported the payoff of either card to the credit reporting bureaus. This resulted in CitiBank reducing my credit limits and lowering my credit score. When I tried to dispute it with them directly, they basically said tough nuggets, buddy, and refused to take any other action.
Product: Bank account or service

On XXXX XXXX I received XXXX emails regarding my account, both explaining that there were charges pending against my account which would not be able to clear due to nonsufficient funds and I would be charged {$25.00} per item unless I made a deposit into my account to cover the drafts before XXXX on XXXX XXXX. That same evening I made a deposit via the bank-owned ATM sufficient to cover both drafts. The next day I received notification that my account was charged XXXX overdraft fees of {$25.00} each. I quickly went into a branch and was told that due to the age of the ATM. the deposit made would not be processed until XXXX that day. As the teller was unable to assist me any further, I proceeded to call the bank 's office. 

I spoke with XXXX representatives and despite my assertion that regardless of the age of the ATM, the deposit was made by the time indicated on the email notices received and therefore should be credited to my account accordingly. Further, I pointed out that the Expedited Funds Availability Act requires the XXXX {$200.00} of a deposit that is not already subject to next-day availability to be made available by the XXXX business day following the day of deposit. The deposit amount at the ATM was {$20.00} in cash. 

They were willing to remove XXXX of the {$25.00} overdraft fees, but not both. I argue that according to notifications sent to me, timing of my deposit and Reg CC guidelines, I should be reimbursed for both {$25.00} fees.
Product: Credit reporting or other personal consumer reports

I have requested this company to be more diligient and never got ana ser from them I send documents they find them unaceeptable Im tired of the run arounds please help me
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX Account No. XXXX is showing as a charge-off but this account is not mine and has to be removed. According to the 15 U.S.C 1681 law there shouldn't be any inaccurate and unauthorized information on my credit report. This is a defamation of character and all unauthorized accounts should be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX, XXXX, GA XXXX Unauthorized Access to My Credit Report CFPB, I am writing to formally address a serious concern regarding the unauthorized access of my credit report. 



CFPB it has come to my attention that my credit report was accessed on [ XXXX ] EQUIFAX pull my credit report without my written permission. As you are aware, it is illegal for individuals and businesses to obtain a consumer 's credit report without first acquiring written consent from that individual. 

The unauthorized access of my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer report may only be furnished for permissible purposes and with the consumer 's consent. 

I request a detailed explanation of how and why my credit report was accessed without my authorization, as well as the steps your organization will take to rectify this situation. Additionally, I ask that you cease any further access or use of my credit information until proper consent has been obtained. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I took out a personal loan with One Main Financial. Part of my payment included the insurance to cover me in case of job loss or medical issue. I became unemployed in XXXX XXXX XXXX In XXXX, I called to verify that I had insurance to cover in my case of job loss. I was told that I did and that was part of my payments for the loan. I took advantage of the loan. Now it is tax season and I received a 1099 MISC in the amount of {$900.00}. If If it was explained to me that I would be taxed on a service I paid for, I would have tried to make other arrangements. This is deceptive practices.
Product: Checking or savings account

Unsure of the exact amount but know I am missing money. Over charged by all sorts of fee. And moving my accounts when I didnt ask them to
Product: Vehicle loan or lease

Issue : Unauthorized loan extension processed without my or my co-signers consent. Ally Financial is refusing to provide fraud documentation, delaying the investigation, and giving inconsistent responses. Additionally, Ally refuses to add extra security measures to my account despite this fraud incident. 


What Happened : XX/XX/year> : - My co-signer ( father ) received a letter from Ally Financial regarding a loan extension that neither of us requested. The letter did not state the reason for the request. 

XX/XX/year> : - I called Ally to dispute the extension. 
- I was told they would investigate and call me back in 2 business days but refused to provide a fraud case number or written confirmation of my fraud report. 

XX/XX/year> : - After not receiving a callback, I contacted Ally again. 
- I was told their " internal investigation '' actually takes 3-5 business days, contradicting what I was originally told.

- It took 2 hours of repeated questioning just to get any information, and their responses were unclear and inconsistent.

- They also said the request was made in SpanishI do not speak Spanish, and my co-signer ( father ) does not speak Spanish and neither of us authorized this extension. 
- Ally could not verify the phone number used for the fraudulent request. 
- Ally stated that before I could file a fraud claim, they had to conduct an " internal call review '' to verify the request. 
- Ally also informed me that they can not add extra security measures to my account because of this incident. 
- I was not given any fraud case number or written confirmation of the investigation because they claimed " that's a different department ''. 
- Ally refused to confirm whether my personal data was part of a data breach. 
- Ally knowingly misled me by directing me to the fraud department after hours, despite their website stating fraud support is available 24/7.

Attempts to Resolve : - I have made multiple attempts to get documentation, fraud case confirmation, and investigation details, but Ally refuses to cooperate. 
- Ally has delayed my fraud claim, failed to return calls, and provided conflicting information about investigation timelines. 
- Because Ally required an internal call review before allowing me to file a fraud claim, they prevented me from disputing the fraudulent activity immediately. 
- Ally refuses to add extra security to my account despite this fraud incident, putting my financial security at further risk. 
- Because Ally has blocked my ability to report fraud and refuses to acknowledge my case properly, I was forced to file an FTC complaint for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent an email message to my wife and a separate email message to me stating, " This email is confirmation that your IDnotify membership expired. You no longer have access to CreditLock, and your Experian credit file has been unlocked. '' The online mechanism to set a credit file Security Freeze does not work for my wife or for me, perhaps because we do have Security Freezes in place. As a result, the only means offered by Experian to lock a Experian credit file is to enroll in Experian 's latest credit monitoring service. Even the free credit monitoring service requires the consumer to accept advertising from Experian and its business partners. Only after accepting a new, free membership in Experian 's credit monitoring service, with the unwanted advertising, was I informed that there was still a Security Freeze on my Experian credit file and Experian was offering another service called " CreditLock '' that would prevent identity theft. Clearly, this is deceptive marketing by a credit bureau.
Product: Debt collection

Had service with the company and I moved. When I moved the company could n't provide the service I previously had and suggested another offer they had. When company tried to install the new service it did n't work and the are trying to charge me for the service I never had at my new address. I informed them that since the service was never hooked up in my home in which they are trying to charge me for because they tried to install it over the phone and it did n't work that I should not be financially responsible for it. I later found out that they do n't service the exact building complex I live in and had to use another service anyway. In the building I live in you have satallite dish in order to use service and they do n't offer that through their company they have another company they work with for that. I never used the service and then they told me that it was a previous balance. I asked them how could it be a previous balance because they would n't even had tried to transfer my service if I had one. This  complaint is against XXXX XXXX XXXX amount is about {$210.00}
Product: Debt collection

I was billed for XXXX from XXXX. The bill was late and sent to a collection agency. I made arrangements with USCB agency and successfully completed payments. The arrangement was made that if payments were made timely no collection acct would be put on my credit report. This was done over a year and half ago and was all successfully paid and completed then out of nowhere USCB places a collection on my account last month and shows it still owing. I contacted USCB and they said to contact XXXX. I contacted XXXX and they said to contact USCB. Neither party is helping but both parties acknowledge acct is satisfied and there is no amount owing. Please help me in getting the attention of USCB to remove this from credit and to not be erroneously placing collections on my credit report. How can I pay it almost two years ago be fully satisfied as agreed upon and then they out-of-nowhere put an erroneous collection on my credit? please help. XXXX
Product: Credit reporting or other personal consumer reports

Information on my Experian and XXXX report is inaccurate. With XXXX XXXX account number with Experian XXXX account number with XXXX XXXX and both amounts are {$420.00}. 

account with XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Th e List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Debt collection

Reference # XXXX a few years back was going for regular checkups at bassett hospital in XXXX new york XXXX am covered for all medical expenses via health insurances and then XXXX . XXXX XXXX  sent all the bills to the wrong insurance company and XXXX only paid a portion of it. I notified the hospital at that time and the collection agency of this situation and sent them both copies of my insurance policy from XXXX XXXX XXXX XXXX showing I had medical coverage. To this date, I was informed that XXXX XXXX XXXX XXXX never received any medical invoices and now the time has expired to submit any claims in this matter. For the past year this collection agency has been trying to collect {$710.00} from me which should have been paid by the insurance company back then if XXXX XXXX didn, t screw up the billing. They put these unpaid bills on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Product: Mortgage

The lender is denying the clients mod review due to them stating that they can afford the current pmt - The clients had a loss of income and could not comply with the terms of previous mod approvals - requested the lender to take into account that the client now has the income to support a mod and the willingness to comply with the terms they set forth - The lender has stated that the client has reached the number of approved mod that are allowed - The guidelines do not have a limit to which the clients can be approved for a mod -
Product: Credit reporting or other personal consumer reports

These inquiries below are fraudulent and werent authorized by me to pull my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My first payment was due on XX/XX/XXXX in which I mailed the check, however their practices are that once they receive the check they dont post received on account until it clears the customer bank account which made my first payment be in default. This is now XXXX and the sent a request to the dealer to buy back the loan. After several calls to finance company and dealer they were not being truthful on recorded lines except XXXX the manager of XXXX who was on vacation. This is not the way this should work for the customer. I have recorded calls as well and email communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, a charge for {$530.00} was processed from the previous day where I purchased two concert tickets from an entertainment company ( XXXX ). Immediately after this purchase on XX/XX/2022, I was sent a text alert from Chase informing me that the aforementioned purchase would not go through as they believed it to be fraud, and if I would need to repurchase whatever I was trying to buy. I believed that they were being honest and what they said was true. 

Because of this, I immediately made another purchase of a slightly different seat that totaled to {$510.00} and was also processed on XX/XX/2022. So, essentially, Chase lied to me about the first charge not going through and needing to repurchase. When I spoke over the phone to their dispute resolution I was told it would be removed later. I believed them. 

As a XXXXXXXX XXXX, I am not constantly looking at my bank account as I am unwell a large percentage of the time. When I eventually noticed they had never resolved the situation, they said it had been too long and there was nothing they would do. This entire extra purchase was completely unnecessary but they told me it was essential. My bank blatantly lied to me and refused to do anything about it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors have been using my credit report without my authorization to send credit/loan offers to my home. This use of my credit report is hurting because of the credit inquires this is causing. These inquires were not done by me and should not appear on any of my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.