23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The specific account in question is with ALLY FINANCIAL, account number XXXX. My credit report inaccurately states that this account was " paid in full for less than full balance '' and includes the comment, " Completed investigation of FCRA dispute - consumer disagrees. '' I contacted Ally Financial, and we reached an agreement where I would pay a specified amount to formally close the account. Part of this agreement included XXXX XXXX XXXX  commitment to remove the account from my credit report. However, despite fulfilling my end of the agreement, Ally Financial did not contact the credit bureaus to update or remove the account as promised even after contacting them severally. As a result, I initiated a dispute with XXXX, and XXXX, to address the fact that I paid off the debt in full with Ally Financial as agreed and to request that the account be deleted from my credit report. 

Issues with the Dispute Resolution : Despite providing supporting documentation and a detailed explanation, XXXX concluded the investigation adding negative comment. This outcome has left inaccurate and misleading information on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) to have only accurate and fair information reported. 

Requested Action : I request that your office investigate this matter thoroughly and ensure that both the credit bureaus and Ally Financial comply with FCRA regulations by : Conducting a comprehensive and fair investigation into my dispute. Removing or correcting the inaccurate information from my credit report. Ensuring that I am promptly notified of the results of any investigations and the actions taken. Please consider this letter a formal complaint. I kindly request that you keep me informed of any actions taken by your office. If you require any further documentation or information, I am more than willing to provide it. Thank you for your attention to this matter. I look forward to a prompt and fair resolution. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trying to get a Credit Report and Score from Equifax.

I have tried to Login to my account that I have had for years. I have tried for over 2 months without any access. I tried to reset my password, Equifax will not let me reset it.

I have tried to open a new account, Equifax wll not let me.

I have tried to get my free Credit Report from a denied credit limit, Equifax will not let me.

I tried to get my Free Annual Credit Report with another website, Equifax will not let me.

Equifax has done this 2 times in the past and nothing works to let them give me access to my Credit Report. Last time I called, wrote letters, had an attorney contact the company and they still did not give me access to the report.
Product: Debt collection

I am seeking to file a complaint and to hopefully get some sort of resolution to a problem that I have been dealing with  for 7 seven ye ars. Back during the height of the financial crisis I ended up short selling my primary residence and  XXXX  investment properties. At that time the loan on my home was held by  XXXX   XXXX   XXXX  . When we closed, I was under the impression that the loan was to be cancelled since it was my primary residence, but this was not the case. Since that time, I had been making payments continually on this loan which was then transferred to  Greentree Servicing w hich took over when  XXXX  went out of business. I continually requested some type of settlement with  Greentree but the y were requesting a large amount of money to settle this debt that I did not have. Now  Greentree  has gone out of business and I am being garnished for the balance with  25  % of my paychec k ( {$1600.00} )  per month going towards the balance of loan for a home that I have not owned  in 7 years. T his outstanding balance on this loan has also prevented me from purchasing another property. I am just looking to find some assistance so that I can begin to move forward as well as rebuild. Everyone understands the climate and the devastating effects that the financial crisis had on our economy and everyday individuals, and while many people have been able to move on. Yet, somehow I am still here dealing with the same issues and have found the lender to be very uncooperative in helping to find a resolution. I would try appreciate any assistance that you could provide in helping me to bring this issue to some sort of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX 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.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, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below JPMCB CARD ACCT # : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX JPMCB CARD ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX )  ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX Collection JPMCB CARD ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX   XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX Collection
Product: Debt collection

I became aware of the account status for the Kohl 's Department Store credit card on my credit report. It was closed on XX/XX/year> with a final amount of {$750.00}. The credit card balance was originally {$700.00}, but it closed out at {$750.00}. I never received notice that this account was being charged off and sent to collections, and I never received notice of the final balance. Even though, I've agreed to pay the balance because it's affecting my credit, I never got notice of the status of this account.
Product: Payday loan, title loan, or personal loan

We are getting solar installation with XXXX. They asked us to do a Loan with LoanPal. Today we just were told by LoanPal that we had to open a credit union account as part of the loan. we were forced to sign a XXXX with XXXX XXXX XXXX XXXX This was not discussed at any point of doing the Loan. 

Additionally it was not discussed at the time of the Loan that an ACH /autopay would be required in order to get the 2.99 % rate. It was only revealed to us AFTER we signed the loan that we could pay as we wished through bill pay or on our own but it would be a higher rate.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Bank account or service

Chase bank refuses to reopen the investigation on my account that was closed due to fraudalant activity. I have a police report which they gave me and told me they had made XXXX arrests for the incident and yet chase wont even bother to change the issue. I called thru relay to report my card missing and either there was a misunderstand between operator and banker or they are make it up that i claim to still have my card which isnt true at all, even the banker i was talk to said they would send me a new card. Now that i am settled down and ready to possibly take chase to court to lawsuit because while this situation happened, i was losing my XXXX son in the hospital and 1 day after he died, i went to file police report. 
I lost my son, my home, school, and my bank all in one month, and i am devastated after trying to deal with bank numerous times to solve this issue. Besides losing a son, i have XXXX other kids i am caring for. Please help or i have to take them to court for my suffering and causes that has effect my life
Product: Debt collection

I got a call from XXXX at R M Jackson & Associates Pc about a debt that is or is not real and over 7 years old last week. I asked him not to call me during work hours, please call me after XXXX to ensure that i am not at work. He called the next day and I was not able to answer the phone, he left a message. Today he called the main line of my work and asked to be transferred to me. He left me a voicemail on my office line phone and when i called him back I told him I asked him not to call me during work hours and asked how he got my number at work to my desk not my cell phone. His response was that it was his job to know where I was and his job to track me down. So he tracked me down and called my land line work number. He also told me when I asked what this would do to my credit report if I paid it off that he was not reporting this to any credit report. All of this i find to be troubling over a debt that is at least 7 years old and he will not verify to me other than it is for a vet office for a dog named puddles ( a dog that died well over 7 years ago ). How he has the info he does on me is worrying to me and I am not okay with him calling my office to talk to me and asked him not to contact me during business hours.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen I had an unfamiliar charge on my account for a debt amount of {$1100.00} from XXXX. I was in prison when this debt was created. I would like for it to be removed. Under The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates consumer reporting agencies ( CRAs ). The FCRA is found in Title 15 of the United States Code, starting at section 1681. Under 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices. The FDCPA went into effect in March 1978. Under USC 1682 The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Product: Credit card

Phone # XXXX from XXXX, CT had made a call and I recognize the number from another scam where he was acting like he was someone famous and asking for personal information. 

An email was set for verification of payment for XX/XX/2024. Phone # XXXX XXXX on XX/XX/2024 at XXXX XXXX was the sender and there was a charge supposedly of over XXXX dollars for product I did not order. 
They said they needed my email to give a refund. They wanted me to go to the app store and choose XXXX remote control ( red icon/dice ) and get verification number to give a refund from PayPal. They said they were from Paypal.

I reported them to PayPal and send them the email. They kept on insisting on calling me and I blocked them.
Product: Checking or savings account

On XX/XX/2022 i filled a dispute for an amount of {$4300.00} since my ex partner stole my belongingsn including wallet, cell phones, debit cards and unauthorized use my debit card. Bank of america within 7 days resolve the claim and closed the claim denying me the claim. Bank of america resolved and close the claim before even the police had done their report and investigation, my ex is currently in jail and i got the case number which states that he is currently on jail that he had used my debit card without authorization. For my bad luck i had to filled a new claim on XX/XX/2022 for the amount of {$2200.00} XXXX made to my sister that was take out of my money balance and never received by my sister. I called bank of america on XX/XX/2022 and spoke with the fraud department and asked for any updates since they had already told me it was goin to take up to 10 days to recieve an update, they told me there was not result yet and that in 24 to 48 hours they souldve have the claim resolved. On todays date XX/XX/2022 i verified the claim status online and it also said dispute denied. i called yesterday saturday XXXX XXXX  and they told me the dispute department was closed saturdays and sundays so how is possible that the claim was resolved denied during the weekends while the dispute department was closed, make it look like the dispute was denied and closed by automatic system and there was none investigation 's done by bank of america i have not received for any claims any investigations paper work and an explanation from bank of america of why my dispute was denied. Federal regulations ''Regulation E '' 12 C.F.R.205.11 ( D ) ( 1 ), requires the bank to provide a written explanation of the findings of their investigation into my disputes. The institution 's report of the results shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination.

I have always all accounts and just started a new business and put my trust in bank of america and also open a new business account i would be closing my personal and business account and would never refer any family or friend to use this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX 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 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

They charged an account that was not authorized and put it as pass due and didnt know it was still open when I called it said ot was close
Product: Credit card

I was charged XXXX XXXX XXXX XXXX XXXX XXXX security deposit on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I picked up the rental car. I returned the car on XX/XX/XXXX and they confirmed everything is ok. 

Explore Vacations XXXX XXXX is not refunding security deposit of XXXXXXXX XXXX. Multiple emails to XXXX XXXX XXXX XXXX and they don't respond anymore and does not provide refund. 

Report to XXXX and they asked to reach merchant directly. 

I disputed this transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they closed dispute twice once on XX/XX/XXXX and XX/XX/XXXX saying reach out to the merchant directly. I provided them with rental contract and 2 months credit card statement all other documents they requested. 

Please help. 

Thanks, XXXX.
Product: Checking or savings account

XX/XX/2018 a {$1.00} XXXX XXXX Trial for Funding Cost Me almost {$1000.00} overdraft fees {$650.00} paid for an appraisal that was to be Refunded. Then Key Bank Put My account in XXXX XXXX for {$100.00} plus Dollars. Then wrote me and said it was a mistake I have not gotten any of my money back to this day.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my wife and I decided to buy a puppy, we paid {$700.00} US for it and gave them the info to where we would meet them and never received any follow up phone calls or messages or emails, we never received the pet we paid for and followed up with US Bank who proceeded to tell us they wouldnt pursue it or help us at all and denied the claim we made with them and to file a police report with Local Authorities. We sent the money from our US Bank Account through the App they have that supports XXXX and after that we never seen anything from the seller. The names we were given from the seller was XXXX but the XXXX name was XXXX XXXX and XXXX XXXX, the email they used was XXXX XXXX
Product: Debt collection

Chase Card Services XXXX No Chase Credit Card has been authorized in my name by me. No monetary amount is due Chase by me. 

Certified mail delivered XX/XX/XXXX @ XXXX XXXX  to cease telephone calls. 

Phone calls as follows : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both experian and XXXX XXXXXXXX XXXX XXXX  but it seems that XXXX XXXX XXXX XXXX  has reported it correctly as it's reported correctly on XXXX and XXXX but getting the information on everything they're reporting hasn't been sent to me yet after a few conversations over the last week. But Experian has been told this at least XXXX or XXXX times over the phone and digitally plus a certified letter to no avail. The loan I had should have been reported as a installment loan by law because of the type of loan. This process has been going on since around the beginning of XX/XX/2023 and it's XX/XX/2023. So almost XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to respond within the generously allotted 30 days. 
XXXX XXXX Company has failed to comply to report 100 % accurate payments listed as XXXX is unlawful and misleading I have attached the CRA Consumer report with PROOF
Product: Credit card

I have a long lasting relationship ( When Wamu was bought by Chase ) with Chase, however, out of the blue, all of my credit cards were closed by them. I called them to try to find out why and they did n't give me an answer but a very generic " unexpected activity ''. That does n't tell me anything as to why all XXXX of my credit cards were closed simultaneously.
Product: Debt collection

This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify XXXX that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take 30-45 days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.
Product: Checking or savings account

We have a case open with Bank Of America because money was taken from our account in the amount of {$30000.00} on XX/XX/2022 in a form of bill pay payable to an XXXX XXXX account that we do not own. 

Complaint was already filed with CFPB and case is still open because Bank Of America requested more time to file an answer. 
Per the guidance they were only granted 60 days and they are taking almost 90 days. They response is past due. 

We are filing another complaint with the FLORIDA OFFICE OF FINANCIAL REGULATION. 

We are still waiting on their investigation to be completed as it is past due and we expect Bank Of America to reimburse our money back.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX has violated my rights. 
15 USC XXXX Section XXXX States I have the right to privacy. 
15 USC XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC XXXXB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Bank account or service

XXXX. My XXXX has XXXX accounts with Regions bank ( checking, debit card, savings ). This complaint is regarding the checking account. Utilizing the online banking interface, each transaction was categorized ( with several custom categories ) and had a memo field inserted to designate the exact purpose of the transaction, which provided the basis for monthly financial statements, budgeting, and tax filings. Regions recently upgraded their online system and stripped all customer entered data, which resulted in the loss of all categorization and memo fields. Current and historical data has been reduced to only the date and amount, all customer entered data has been lost.
Product: Credit card

Company : American Express I have had a credit card with American Express for near XXXX years, apparently because I wasn't using it ( it was a backup card ) they stated they informed me that due to inactivity, the account would be closed. I never received the letter and when I called today asking why my account was showing as closed, they said nothing could be done. 

They then tried twice, directing me to their applications department to apply again for a new card. 

So they close the account, tell me I would need a new credit inquiry on my credit report if I'd like to have a card with them. Closing this account has now increased my XXXX XXXX due to losing the line, and lowered my average time on file. A new card would further lower that time. Thus triple impacting my Credit.
Product: Debt collection

Was paying till XXXX and requested to drop interest rates but they didnt reply
Product: Mortgage

SLS never did anything other than attempt to take my home force foreclouser on me they are thief Disunest and crock They have law suites against them for doing the same thing they doing with me sale peoples home Cfpb too easy do some thing SLS send creeps to my property to take picture they hid in the bushes and around my property when I go outside they ran away I cant leave my home