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

On XX/XX/2022 customer service representative named XXXX ( or '' XXXX '' ) said " yes, you can open an account here and we will not charge stop payment on cashier check we call them official checks there is no cancellation fee. we will charge you {$15.00} to overnight mail your requested XXXX official checks. ". I than opened my account with Ally bank over the telephone with XXXX and received wire deposit instructions. I sent a wire of {$1100.00} from XXXX XXXX XXXX XXXX XX/XX/2022 and it posted in my Ally bank account the next day on XX/XX/2022. I called Ally bank on XX/XX/2022 requesting XXXX expedited official checks. Ally bank said that the {$15.00} fee is per check and that their is a {$25.00} stop payment fee. I said mail the checks and Ally bank said because your requesting 10 official checks we think that is a strange request and we will put your account on a 2 to 3 day hold until tuesday XX/XX/2022 until we make a determination weather or not we will allow you to request 10 official checks. I explained to XXXX agent XXXX that when I opened the account on XX/XX/2022 I already asked these questions and XXXX did not explain the process accurate. I requested a supervisor. The supervisor name was XXXX, she said that XXXX gave me the wrong information and that stop payment fee on official checks are {$20.00}. I told XXXX I am disappointed in your bank giving wrong inaccurate price quotes and set wrong expectations about how soon I could receive an official check. XXXX disconnected the phone line and placed a block on my account. I logged in on XX/XX/2022 and my Ally checking account has a message " online access temporarily blocked ''. I called the same XXXX hour Ally bank customer service number XXXX and XXXX picked up the phone said he was " general service or customer service agent and that he could not give me information about my account status that I would need to call back tomorrow Sunday XX/XX/2022 ''. I requested a supervisor. XXXX employee number # XXXX said she is a escalation agent. XXXX said that XXXX gave incorrect information about the schedule of what he called the " support team '' XXXX calls the " XXXX XXXX Department '' will not be available until " maybe '' tomorrow. I asked XXXX is she sure, she said actually she does not know and that she now wish she can change her answer and say that the lost prevention department is closed Sunday XX/XX/2022 because of holiday schedule. I told XXXX it is very important that I get the correct information because her bank Ally Financial XXXX XXXX, has now created a pattern of bad behavior of giving wrong information and that I am a new customer and this is not the level of service I'm looking for. XXXX denied getting me the correct information about Ally banks lost prevention department 's holiday schedule. XXXX said that she will be disconnecting the call. I told XXXX my account is blocked online and that i have no money that I can live on. XXXX said ticket # XXXX on XX/XX/2022 XXXX blocked my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall having this account. The date open is inaccurate. I have disputed this account with the credit bureaus asked them to validate this account but I'm still not able to get a response. 

Collection account : Account No. XXXX Date last reported : XX/XX/2019 Date opened : XX/XX/2019 Amount : {$280.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent information appeared on my Experian, XXXX, and XXXX credit report due to fraud. I disputed the inaccurate information to Experian, XXXX, and XXXX. Experian, XXXX, and XXXX verified that some of the fraudulent information belonged to me and continues to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Disputes with Credit Reporting Agencies - Request for Assistance Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of great concern regarding disputes I have encountered with the three main credit bureaus : XXXX, XXXX, and TransUnion. I have been diligently working to rectify discrepancies on my credit report related to XXXX specific accounts. Despite my efforts, these discrepancies persist, and I believe that my rights as a consumer are being compromised. 

Below, I have outlined the details of each account in question along with a brief summary of the issues : 1. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Sold ; Charged-off - Remarks : Purchased by another lender ; unpaid balance charged off - Action Taken : I have paid this account, and it should be reflected accurately. 

2. XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$2700.00} - Status : Collection - Remarks : High balance discrepancies- Action Taken : The reported information is inaccurate 3. XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$1200.00} - Status : Collection - Remarks : Placed for collection ; not my account - Action Taken : I dispute the validity of this account ; it is not mine. 

4. XXXX XXXX ( XXXX Accounts ) ** - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Current ; Paid as Agreed - Remarks : Credit card lost or stolen - Action Taken : Both accounts are closed and should be removed from my report. 

5. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Status : Account Paid in Full ; was a Collection - Remarks : Settled less than full balance ; paid collection - Action Taken : I request the removal of this account from my report. 

6. XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$4000.00} - Status : Charge-off - Action Taken : Submitted mutliple disputes. 

7. XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$7600.00} - Status : Collection - Remarks : Account previously in dispute-now resolved; placed for collection - Action Taken : I am seeking removal under the XXXX XXXX due to domestic XXXX concerns. 

I have attached supporting documentation to validate my claims. Please investigate these matters with the respective credit bureaus and facilitate the correction of inaccuracies in my credit reports. Your prompt attention to this matter is highly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : OAG CHILD SU # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 

account name : XXXX XXXX XXXX XXXX XXXX  ) account number : XXXX
Product: Checking or savings account

in XXXX, XXXX and XXXX XXXX fraudulent bank accounts were opened in my name without my consent. This is identity theft I've never attempted to open an account with these banks at those times. I would like this removed from XXXX XXXX XXXX as soon as possible, for it is preventing me from opening any bank accounts. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company The Money Source has not submitted my mortgage to the credit bureaus since XX/XX/XXXX. I have been battling this situation since XX/XX/XXXX when I found out and I have a log of times and dates of several different representatives giving me inaccurate information as well as indicating a follow up call will be given on the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the Credit Reporting Companies with the proper documentation to remove items from my Equifax, XXXX and XXXX Credit Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX XXXX/XXXX XXXX. I have requested validation of this account. The have continued to provide me with copies of statements and will not provide me with anything being my signature to validate the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Mortgage

XXXX - I was laid off and tried to get a loan modification. Was told the only way to get one was to stop paying my mortgage. They tried to foreclose. I referred to the direction I was given and tgat the call was recorded and got the modification. 


XX/XX/XXXX- Tried to pay directly from my wife 's 401K, was told it was no problem. Then, after calling everyday for over a month, found out they were trying to foreclose again. At this point ( XX/XX/XXXX) I was forced to file for bankruptcy to keep my home. 


XX/XX/XXXX- XXXX, I began a refinance with another lender. In XXXX, I still had n't received a payoff demand. In XXXX an innacurate payoff demand was sent on the XXXX. The WI attorney working for Flagstar refused to discuss this with me, forcing me to use my attorney at coat to me. 


Today a Flagstar representative said I needed to speak with the manager of my account that I did n't know I had, and had n't spoken to one time in ten years. She said she could not discuss my case even though my lawyer released them to speak with me and that my account manager was leaving the office and there was no supervisor available to speak with. Again I noted that the call had been recorded and may be subpoenaed in the near future. I received a call 30 minutes later from a manager that said he  emailed the VP of his department with all the changes I needed to be made to the payoff demand : *Change " good through '' to the end if this month ( XXXX ), originally the XXXX and not feasable at this point. 

*Indicate that XXXX payment was received, this was ommitted originally and made it impossible for the new lender to accept. 
*Return escrow to me so that I can pay my taxes, this amount was credited to the payoff total originally. 

My Grace period ends today, my new lender is not collecting XXXX or XXXX payment from me and I ca n't help but think that Flagstar is trying to bully me into staying or run a backdoor foreclosure on me.
Product: Debt collection

In XXXX I visited the XXXX XXXX ER for a XXXX XXXX. In XXXX I was approved for permanent XXXX and they paid all my old hospital debts. There were more than XXXX and all were paid. I submitted this information to the hospital and XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. I have spoken to XXXX XXXX several times but they continue to report to the credit bureau. Please remove.
Product: Debt collection

The data that you showed in my credit report I previously requested a proof of how you managed this. You can't demonstrate any of the data referenced in the past credit report information that I challenged with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax divulged to the general public that they had been the target of a successful hack. 143 million customer records, including SSNs and drivers license numbers. I have already confirmed that I am one of the consumers affected.
Product: Credit reporting or other personal consumer reports

I was alarmed to find multiple unauthorized inquiries on my credit report. Several companies accessed my report without my knowledge, consent, or any application initiated by me. I do not recognize these inquiries and did not authorize them in any form.

This misuse of my personal information is a blatant violation of my rights as a consumer and deeply concerning.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts.

1 ) XXXX/ XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 ) XXXX   {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX   {$610.00} 8 ) XXXX XXXX {$41.00} 9 ) XXXX XXXX {$40.00} 10 ) XXXX XXXX {$20.00}
Product: Credit reporting or other personal consumer reports

I have disputed with Equifax that XXXX XXXX XXXX is providing incorrect information on my credit report, one of my accounts closed in XX/XX/XXXX and last payment was in XX/XX/XXXX and the credit should be dropped from my account since it is past 7 years from the day of deliquency. However XXXX XXXX keeps reporting last payments in XXXX when the account was closed in XXXX, and last payment in XXXX, There shouldn't be any activities in XXXX. I've disputed this multiple times with equifax and XXXX XXXX keeps responding that the information is correct. 

This is the second submission! And the first one was closed cause XXXX XXXXXXXX stated unauthorized XXXX party and closed the dispute!!! This is my account!!!
Product: Credit card

I placed a report with citi after finding out about that accounts have been opened in my name as a product of identity theft. They responded back that my information match, of course it would but it was fraudulent opened. I asked for proof of the application showing address signature and identification that was submitted. I filed a police report XX/XX/XXXX got a new Florida drivers license XX/XX/XXXX due to this theft, that is where I lived. I then moved to maryland and got a new drivers license XX/XX/XXXX. Citi requested no police report or supporting documents from me but says that the account is mine. I have been dealing with the identity theft for years since with fraudulent cards and banking information being obtained with my information. I have requested the following and still have not receive debt verification letter. In the letter, you can ask for specific information, such as : The original creditor 's name and contact information & The amount owed o A copy of the original contract with your signature o An accounting statement showing how the amount owed was calculated a A copy of the agreement authorizing the collector to collect on behalf of the creditor
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Debt collection

Loan matured XX/XX/XXXX.

Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XX/XX/XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.
Product: Credit reporting or other personal consumer reports

Contact was made XX/XX/XXXX via phone and mail contacting XXXX XXXX  regarding the improper reporting and incorrect amount of my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was A victim of identity theft. XXXX  XXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.
Product: Credit reporting

Equifax continues to report information that they know is in violation of the FCRA ( re-ageing of the account ). 
They have only used EOscar to " verify '' the information and have not provided any legal documentation showing that the following have the standing to show an open account and that they can report the dates shown. The listed companies are well known for this type of action ( refer to FTC ) Upon Review of my Credit report the you will find that the Original Creditor information if very different then what is being reported. This will support my claim of illegal and damaging reporting on my credit report. 
Collection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXCollection Agency : XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXX XXXX XXXXStatus : OpenOpened Date : XX/XX/XXXXOriginal Creditor : XXXXStatus : OpenOpened Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Employer Information : My current employer is XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.