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

I changed my address with Ally Bank to a LEGITIMATE address where I live and work. A couple days ago, I got a phone message and email from Ally to call them. I phoned, but the rep was taking too long and I was at work so I hung up and called back a few hours later. Rep XXXX XXXX said she had to verify me. She sent me a phone code to my number on record, which I gave her the correct code. Then she asked when was the last time I phoned Ally, I said I haven't phoned Ally in ages except for a phone call a few hours ago. She asked at what time, I said how do I know. She insisted on having the exact time I phoned. Also she did not ask me for my secret word, or answers to my secret question, or the last 4 of my SS # as she could have to verify me. She refused to continue the conversation because I could not tell her the EXACT time I phoned. I told her if she was calling about transactions, I had made an online transfer to XXXX XXXX  but if there are any other recent transfers they are fraudulent. She still refused to continue the conversation or ask me any other questions to verify my ID so I hung up. Then I got an email from Ally saying that my new address was a business address, so I guess that's the reason Ally phoned me. I live and work at the same place ( XXXX XXXX XXXX ) and there are XXXX other people who live at that address. Here 's proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and you can see references to employee housing. And here 's another article mentioning employee housing : https : XXXX So just now I tried to log in to my Ally account, and it told me my account " online access temporarily blocked. '' This is a sleezy way of getting revenge because I did not know the EXACT time I had phoned earlier, and the Ally rep was too lazy to attempt to verify me another way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # 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: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account XXXX : XXXX XXXX # XXXX
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 DELETE the inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE and block any inquiries listed 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 is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : 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 or other personal consumer reports

Experian is ignoring the evidence sent to them to prove the account has been paid in XX/XX/year> and was not a collection or late for XXXX and XX/XX/year>. I have provided both documents and called several times and they keep siding with XXXX who also is reporting incorrectly even after providing me with a paid in full letter for this account. Account number XXXX is being reported and re reported incorrectly by both and neither Experian or XXXX is accepting the proof letters sent to them.
Product: Credit card or prepaid card

I originally opened the account for a MasterCard with Capital One card after bankruptcy. It was a special offer for people trying to rebuild their credit and required a deposit. I have faithfully paid the card every period, usually early and sometimes carried a balance just to help boost my credit score.      In   XXXX   XXXX    ,  Capital One  charged me an annual fee. They waived the fee every year in the past. I called and asked if the fee could again waive the fee. The representative told me they were not able. I have several other cards now with higher credit limits that do not charge annual fees. I stated if you cant waive the fee, please close the account and refund the fee and the deposit that was used to open the account. I was instructed that I could not close the account with a balance. I would have to pay off the balance, and wait  XXXX  cycle to refund the amount owed. On   XXXX   I called to cancel my account and was told their policy would not allow me to be refunded the annual fee as more than 45 days had passed. I was willing to prorate the amount. I requested the account to be closed and the deposit refunded. I told them I would take up the refunding the annual fee with CFPB. This was my oldest line of credit and closing this account will negatively effect my credit. I believe that this is part of their strategy and why they are unwilling to waive the annual fee.   Once again, with my credit score coming a long way, why would I pay an annual fee when almost every other credit card has no annual fee?
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and XXXX, being placed on hold, then disconnected.
Product: Debt collection

Company is attempting to collect a debt that I do not rightfully owe. I was advised by the company that I could return equipment and they would send out what was needed to return the equipment. The company has instead charged me fr the equipment instead of allowing me to return the equipment and have placed reported my account a negative to consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple documents regarding being a victim of XXXX XXXX. I was asked to provide more information ; however, every time I try to upload documents, the system does not allow me to do so. The ability to submit is impeding a timely deletion of adverse information on my credit report that was a result of XXXX XXXX.
Product: Debt collection

I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by XXXX XXXX XXXX, since they only deal with that agency and not Gerald E. Moore and Associates. A lady at the apartment had contacted XXXX XXXX XXXX to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to Gerald E. Moore and Associates, apparently a company under the same umbrella as XXXX XXXX XXXX. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.
Product: Vehicle loan or lease

Ally auto merged with Ally banking, but I was never informed. Never called or received a letter or email. I tried to log onto my Ally Auto account so I could pay my loan off in full and it wanted verification, but the phone number listed was incorrect. 
- XXXX first call : 4 calls- spoke with XXXX who said someone would call me back in 3-4 business days. 
XXXX - 5 calls : spoke with a rep who changed my username to get me to log on and it still was not working and then finally spoke with XXXX from XXXX. Was able to log me on. He said he would fix the username so it was the original username associated with my account and said give us 2 business days well call back once weve confirmed your auto loan is linked. 
XX/XX/XXXX - called back with ref # to check on status and they told me to give it a few more days. 
XX/XX/XXXX - called again XX/XX/XXXX - received missed call from XXXX - called back with ref # and STILL can not log on. Was given a new ref # and was told someone would call me back in 2 business days, here we are XXXX business days later and still nothing. 

I AM JUST TRYING TO LOG ONTO MY ONLINE PORTAL SO I CAN PAY OFF MY AUTO LOAN. I have the right to my own information and its absolutely ridiculous that almost 2 months later Im being given the runaround, because this company wants the interest and I could have paid off my auto loan in full 6 weeks ago, but after 6 weeks of back and forth and DOZENS of phone calls its absolutely shameful and ridiculous that these people are not helping me. I will NEVER bank with Ally ever again if this does not get resolved immediately.
Product: Checking or savings account

I submitted a complaint XX/XX/2020 inference to a account with PNC Bank. Complaint # XXXX. 
I was called inference to this account and inturn received a email that said that I could not be reached. 
I had a 20 minute conversation on XX/XX/2020 XXXX XXXX. 
She informed me that she had spoken to the teller and the teller claimed that {$460.00} was never in my account. 
I told her that I had a recorded call saying other wise. I also having a police report with a recorded body cam proving that the funds was infact there. I've had several amounts of money over time missing out of my PNC account also receiving calls of impersonators using bank employee names and having access to my information and account information. This situation has not been resolved. And my account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Has reported on my TransUnion report on ( XX/XX/2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
1.XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I am getting to the end of my mortgage term and I want to pay it off early. I always make my payments early and with extra toward the principal. Up until XX/XX/year> the banks payment summery coincided with my on line bank payment history. Staring in XXXX, the bank payment summery was all over the place and not able to be understood by me. It used to simply show XXXX entries per month, XXXX for the payment due with the interest and principal breakdown and XXXX with the extra principle that I pay each month. Starting in XXXX there are multiple entries on the banks statement with debits and credits all over the place, sometimes up to XXXX different entries. I can no longer compare my payment history with their payment summery and it make any sense. It looks to me the I did not get credit for some of the principal payments I had made. I went into the bank and explained- they said the loan dept. wont speak to customers directly, that they would act as a go between. The answers I had gotten was this was all because I was also ahead of the monthly payment by over a month and the new software calculate it this way. I'm sorry but that is a ridiculous answer. I requested a payoff quote along with a clear document of the payment summery. They sent me a copy of the summery that I already had that make no sense and a payoff quote which was appox {$3200.00}. I sent an email to the asking why the payoff quote was {$250.00} higher than the balance- I had gotten no response. I then decided since they said I was ahead of my payment by over a month and I should not do this, I decided to skip the XX/XX/year> payment and see what happens to their statement. Well XXXX of what I thought was lost principal payment now reflects as a payment on XX/XX/year> on their summery and I also received a missed payment letter with a late payment fee. It then changed my estimated payoff amount which makes me confuse how they determined the original payoff quote, which now changed, without my paying more money? I really am uncomfortable on what I really owe to pay off my loan and the manor in which this is determined. A customer should be able to understand and follow the process. In short I think there is still at least XXXX more principal payment that is not showing up however I can prove it with the documents XXXX way or the other. I want to pay off my loan and be done with this!
Product: Debt collection

I have never heard or or did business with this company and I have no bonding contract with this company.
Product: Credit card or prepaid card

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX  AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE ARE FRAUDULENT ACCOUNTS HAVE BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THESE TRANSACTIONS. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THERE ARE TWO ACCOUNTS ARE OPENED UNDER MY NAME : XXXX PERSONAL LOAN ( ACC NO : XXXX**** ) AND BANK OF AMERICA ( ACC NO : XXXX**** ). I SENT A POLICE REPORT TO XXXX  BUT XXXX    REPORTING AGENCY DID NOT REMOVE THESE FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  XXXX XXXX Account # : XXXX I sent a dispute registers mail with return receipt to all three credit reporting agencies on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX ) and the person ( XXXX  ) ( XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
late payments is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( XXXX ) [ XXXX XXXX XXXX is making the report. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC1681a ( 2 ) A ( 1 ) by reporting this transaction or experience ( late payments ) on my consumer reports which XXXX clearly states IS NOT included on my CONSUMER REPORTS. 
You have XXXX calendar days to delete account Failure to respond satisfactorily with deletion of the above late payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation
Product: Mortgage

Partial claim was offered on XX/XX/XXXX to bring loan current. I called and spoke with XXXX on XX/XX/XXXX. XXXX advised me on that date that the closing documents had not been mailed but would be mailed at the conclusion of our call. As of the date of the filing of this complaint, the closing documents necessary to process the claim have not been received. 

On XX/XX/XXXX, Essex purportedly sent a claim denial because the closing documents were not received. I have not received this letter in the mail. I was provided no notification of its delivery electronically. I found it when I logged onto my account to see if the closing documents had been made available electronically. The paperwork is not available electronically. 

I attempted to contact Essex on XX/XX/XXXX to notify them I never received the closing documents in an attempt to get this issue resolved. I was told no one in the loss mitigation department was available for assistance. A call is scheduled for tomorrow. 

However, I do not believe that Essex is working in good faith to assist me with my situation. Offering a partial claim and not providing the necessary paperwork to complete the offer is a harmful bait and switch maneuver.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX, XXXX XXXX accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX and XXXX XXXX XXXX. both opened in XXXX  ive tried disputing them over and over again. my only option after this is taking it to court.
Product: Checking or savings account

on XX/XX/XXXX i received a fraud alert for XXXX at XXXX est, I took a look at my account and notice fifth third let 4 transaction for through with my debit card number from TEXAS before alerting me on the XXXX ( IM IN MICHIGAN ), i replied no to the text and was asked to call immediately so i did. 

it took me 4 tries to get to someone who wasn't lazy the first 3 kept telling me i have to call back during normal business hours to talk to PERSONAL CHECKING, they were ignoring my this isn't personal its business, finally the XXXX person helped me, blocked the card and sent a new one, but said he couldn't dispute the other charges because that was a different dept., and they were closed until XXXX the next day. 

I called started the dispute and nothing, until i get a final overdraft warning letter, they NEVER started the dispute and not only are giving me the run around, but they gave the lady at my local branch the run around on Tuesday when she attempted to tall and help me. 

at this point i believe they just want to extort money from me.. 

one rep ACTUALLY said that i teleported to Texas to watch a movie, because I am like " Right now i am on my couch in MICHIGAN after a long day at work watching tv, what did i do? teleport down there? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

DID NOT AUTHORIZE THIS INQUIRY Syncb/qvc Inquiry from XXXX XXXX, XXXX - XXXX XXXX XXXX This inquiry could stay on your report XXXX XXXX. 
See an error? 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

BofA has an overly aggressive security system. It has been declining charges that are regularly recurring monthly charges, as well as one-time charges. I have sent BofA letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all without correction of the problem. I did receive XXXX e-mail that stated that BofA was " investigating my dispute '', but nothing else. I am self-employed and use this card for business. For the entire month of XXXX, XXXX, BofA has been denying a regularly recurring charge for XXXX, which has my website and generates business for me. XXXX threatened me with account closure on XX/XX/XXXX for non-payment, so I paid the balance due today with another credit card. When I changed the payment method, XXXX said that BofA has closed my account. BofA has not notified me of the account 's closure, and has no valid reason for closing my account. When I call BofA, the Security Dept rep says that the account can not be accessed by the rep unless the rep can text a code to my telephone number on file. My telephone number on file is the landline for my business- it can not receive text messages. So I can not tell the rep what the code is, and the rep says that he/she can not access my account. It is a vicious and ridiculous cycle. The telephone reps sound like robots, and state that it will not do any good to speak with a supervisor because BofA will not allow a supervisor to access my account either. The only remedy they can come up with is to go into a branch. We do not have a BofA branch in my county, and the reps tell me that BofA will not reimburse me for 4 hour ( roundtrip ) to another county just to go into a branch to prove my identity.
Product: Checking or savings account

Navy federal says I have one amount left in my account then says I have over XXXX dollars in overdraft fees this has been going on since like XXXX until present
Product: Credit reporting or other personal consumer reports

Please see supporting documentations pertaining to XXXX XXXX BREACH.
Product: Debt collection

Trying to buy a house and the charge off on my credit have not sent me a XXXX c so i need the debt removed