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

Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019
Product: Credit reporting

I disputed a judgment with Trans Union. It has been 90 dayssince I disputed this error on my credit. They just ignore me and continue to report this error. I am being denied creditdue to their inaccuracies on my credit. This is not my judgment
Product: Debt collection

I do not owe the balance to XXXX XXXX for the charges from XX/XX/XXXX through XX/XX/XXXX. I provided on multiple occasions that this was covered by my insurance provider for the care of my daughter. XXXX XXXX is attempting to collect double payment on charges that were covered in full by my insurance provider. 

I was never notified after XX/XX/XXXX that I still owed a balance and my portal never reflected this balance again. I was not aware this was still considered an outstanding balance until I received the notification of it being turned over to collections.
Product: Vehicle loan or lease

My autopay was returned one-time back in XXXX 2019, I did not realized this. And TD charged me late fee every month without giving me any notice. When I realized the fee charges at XX/XX/2019, I paid the whole balance with total late fee of {$310.00} ( seven late fees ). 

I contacted TD auto finance at XX/XX/2019 trying reduce late fee. Since I did not realized the returned payment and TD never notify me or retry to charge the monthly payment before charging me late fees.
Product: Checking or savings account

Wells Fargo 7 days ago said they would have to order my funds to close my account! I have XXXX in my account I want to close it and draw my money out they said it would take two weeks! Now they are saying that I have to go to court! Please help me I can't pay for anything they have my money!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I unfortunately lost my job in XXXX, but was able to continue making my lease payments for a few months. After not being able to find a job, I contacted Ally Financial in XXXX and requested a 2 month extension. The representative I spoke with agreed and said he'd made the adjustment and put notes on the account. My payment was due on XX/XX/XXXX, it's now XX/XX/XXXX and I found out no extension was ever placed on my account and my account is delinquent with a late charge. 
I called back and spoke to a collection representative who stated they were able to see no notes about my previous discussion. She then stated she could offer me the 2 month extension, which I gladly accepted. However she then back tracked saying I'd have to make a partial payment ( which was actually a full payment ) in the next 10 days for me to be able to get the 2 month extension because the account was 17 days past due. 
I tried to explain again that I had called previously before it went delinquent, the way she spoke it made it seem like she was trying to get me to make a payment to hit her " bonus monthly goals '' rather than to actually try to help with the 2 month extension. 
She then tried to threaten me by saying she was removing the 2 month extension if I didn't want to pay. She then went on to say I requested her to cancel the 2 month extension which I never did. All in all was a very frustrating conversation on top of an already frustrating situation when I'm out of work. 
We never got the problem resolved as we were going around in circles and eventually I had to disconnect the call. 
Also the car is worth more than I owe, however Ally will not allow me to sell the vehicle to any third party without increasing the amount owed from what he actual payoff is, is this even allowed?
Product: Checking or savings account

URGENT PLEASE NOTE : DO NOT say you are taking 60 days for a response. Legal action will be filed 15 days from this complaint. 

My accounts have been restricted for almost 6 months now. Ive done everything possible and everything requested. Please read previous complaints. You told me IN WRITING on the last one, if I go into a branch with a photo ID my funds will be released. This was false. I took a day off work and went last month. They told me my ID was not sufficient and they couldnt identify me. I had my polish passport and New York State ID. They wanted a proof of address and another ID. 

I went in today XX/XX/year>, with multiple forms of ID and proof of all addresses and everything. They told me they cant identify me. I am STANDING RIGHT THERE. This is INSANE!! They had me fill out the security appeal form for the XXXX ( probably more ) time and told me I will hear back within 15 days. They told me Im not eligible for membership anyway, which is fine because i want nothing to do with this bank. I NEED MY MONEY. There is XXXX XXXX  in this account.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I consolidated two credit cards with XXXX XXXX XXXX XXXX, one of them belonged to XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Re : Settlement Offer XXXX XXXX XXXX Dear XXXX, Pursuant to your recent conversation, XXXX XXXX XXXX XXXX has agreed to settle for {$3100.00} on the above referenced account under the following conditions. 
XXXX payments ( XXXX x {$510.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XX/XX/XXXX XXXX x {$510.00} XXXX XXXX ) of {$3100.00} will be due on or before XX/XX/XXXX Upon receipt of the {$3100.00} payment, the remaining Credit Card balance will be canceled debt, the account will be reported as settled for less than full balance to applicable credit reporting agencies, and subject by law to any applicable legal reporting requirements promulgated by the IRS .

In the event the agreement is broken, XXXX XXXX XXXX XXXX XXXX forward the account to a collection agency for handling and the original amount owed under the cardholder agreement will remain due, including interest and collection fees up to 25 % of the balance as provided for in the cardholder agreement. 
Please retain a copy of these agreed upon arrangements for your records and send a copy when you remit your {$3100.00}. Once the payment is received, we can update the credit reporting agencies as we have agreed to do. This can take up to 90 days to be reflected in any consumer credit reporting agencies report. 
Please contact me with any questions regarding the arrangement. This was completed with the payments due and in XX/XX/XXXX XXXX / XXXX XXXX sent me a copy of my scheduled payments with this Bank, it was assumed that I was already debt-free, but to my surprise. In XX/XX/XXXX I received a letter from XXXX XXXX telling me that I was late on my payments for an amount of {$1000.00}, since that date I have called them more than 10 times to clarify this misunderstanding and they left me waiting in line for more than 40 Minutes ago they promised to solve this and in the end they did not do it and they have sold my supposed debt to a third collection company. Now my XXXXredit score is low and there is no way for this institution to respond to me. I am taking medicine to reconcile the I am very stressed by this injustice and the poor treatment I have received from this bank 's customer service. I have decided to file a complaint so that my problem can be resolved as soon as possible.
Product: Checking or savings account

I requested to close my checking account on XX/XX/XXXX when it had a {$5.00} balance. I was informed that I couldn't close my account until my balance was at {$0.00}. This is ridiculous, as then I was charged a {$13.00} maintenance fee on XX/XX/XXXX bringing my balance to - {$8.00}. Comerica bank was unwilling to close my account when I requested, and now is holding me liable to the fees charged since my account is not at a {$0.00} balance. I requested the closure of the account before the fees. The requirement that the only way to close an account with a non zero balance is to visit a branch is predatory and ridiculous. If it can be done in person there is no reason it can't be done online or over the phone.
Product: Credit reporting or other personal consumer reports

Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  bankruptcy XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX Account name XXXXXXXX XXXX XXXX Account number XXXX ccount number XXXX Account number XXXX Account number XXXX Account number XXXX Account name XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXXXXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of my credit report to Transunion, XXXX, and XXXX on XX/XX/XXXX again XX/XX/XXXX And again on XX/XX/XXXX. There are reports of 2 bankruptcies and a collection from a company named portfolio recovery, that are not reported accurately and are not mine. Each time I disputed these items the credit reporting agencies said they were verified, I requested them to send me proof of signature or account numbers to verify the validity of these accounts being mine and their response was they do not have to send me proof that they verify item through automated service. I told them I do not consent to XXXX   or any other automated service because that is not proof of validity. This has caused a serious threat to my credit and livelyhood. I contacted the U.S. bankruptcy court and they said they do not verify anything to the credit bureaus. It is a violation under the fair credit reporting act to put derogatory marks on my credit report without verifying that information. I have made several attempts to rectify this situation. After filing this complaint pending outcome I will file a small claims suit against these 3 credit reporting agencies for defamation, negligent enablement of identity fraud and violations of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB management has sent me a letter stating my information has been compromised and leaked, my social security number and other information has been hacked, I am a victim of identity theft and my information is being used to open accounts, I want this resolved NCB management has now put me in a strain for leaking my information, I will except XXXX to cover for damages or I will turn this over to an attorney to settle this issue, im already talking with an attorney, but if NCB management wants to settle with me it will be XXXX plus taxes, I will file a ftc identity theft report, to report this serious issue, I have been experiencing excessive amounts of fraud from this, now since i know where my information has been compromised, now settle this matter or will sue for a lot more than XXXX plus taxes which 33 % thank you.
Product: Mortgage

In XX/XX/2021, upon inquiring for potential loan on a home, a mortgage loan officer sent a detailed email with my credit scores, creditors, account numbers, account balances, charge offs, collections, basically all personal details of my credit to me and blind carbon copied a real estate agent on that same email. 

I obviously couldn't see the blind carbon copy initially. So upon revisiting the real estate agents office, she pulled up the email from the mortgage loan officer and showed me that she had been copied in the email and discussed it with me casually. I was taken back that she had all that information about my personal credit. 

I can forward the email but would rather do so upon request as it contains personal information.
Product: Credit card or prepaid card

The JCPenney credit card does not apply payments appropriately when there is a promotional balance. 

I made a large purchase on my card under an 18 month promotional payment, followed by a non-promotional purchase. With other such cards, payments beyond the minimum are allocated to the highest-interest balance ( which is, of course, the non-promotional balance ). 

As soon as my non-promotional balance posted, I paid that amount ( above the minimum ) to make sure I would not get an interest charge. To my shock, the payment was allocated to the deferred interest balance rather than the non-promotional purchase. I called up and this was corrected, and was informed that in the future the only way to pay the non-promotional balance is to call in. I do not believe this allocation is even allowed under the CARD act ( as the non-promotional balance currently charges higher interest ), although the representative insisted it was. 

Therefore, when I made another non-promotional purchase a month later, I called in to make a payment as soon as it posted. I clearly stated multiple times that I wanted this applied to standard, non-promotional, balance and that was the reason I was calling into make a payment. I was reassured multiple times that she was applying the payment this way, but when the payment was posted, they applied it to the deferred-interest promotional balance! I had to call in yet again to get it fixed. The representative admitted they applied it to the promotional balance and claimed to have fixed it. I do not know yet if it was fixed. 

In summary, the representatives at Synchrony make it next to impossible to pay a non-promotional balance before interest is charged, and their representatives lie to consumers who actually do make the effort to attempt to call in to have their payments applied appropriately. I sincerely hope that the CFPB will take action to stop these deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shot and slime this credit reporting company place a collections on my credit report on XX/XX/2021 the collections company is title Vance and Huffman I tired calling this company for over 3 days they have yet to answer the poke more can you get anyone and they never states what the collection is for I try my hardest to keep my credit right and hard working in my credit this company place this on my credit knocked my score down 15 points I need help to resolve this I have nothing on my credit or any collections please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
XXXX  Account XXXX account Bank XXXX XXXX account XXXX account XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to access my mortgage account online. Freedom Mortgage has taken away my online account to manage my payments, escrow, principle payments etc,. because my loan is an assumption. I assumed this loan from the ex husband and it is court ordered and my account access has been taken away from the mortgage company Freedom Mortgage and it is not allowing me to access my account online. 

Freedom Mortgage has shared that I don't have access and they won't grant it on XX/XX/XXXX. I assumed this loan on XX/XX/XXXX and have had access to this account since them and now they have taken it away as it seems their IT team can't figure out how to redact the prior borrower 's information. I want my account access back. 

Thank you, XXXX
Product: Checking or savings account

I am a joint account owner on my XXXX father 's checking account at Regions Bank. My father is in an XXXX  XXXX facility, so he does not have credit cards or a wallet and at some point in the past year a new checkcard arrived for our joint account. The card was in his name. I put the card away in a wallet with my own credit cards and never used it. 

On XX/XX/2019, my wallet was lost/stolen. Someone gained possession of my wallet and began attempting to make purchases of about {$2000.00} at a local XXXX pharmacy. They tried using two of my credit cards, but my credit card companies flagged the activity as suspicious and declined the charges. The person who had my wallet did manage to successfully use my father 's checkcard to make two purchases at XXXX. 

The purchases, which were made on XX/XX/XXXX and posted on XX/XX/XXXX were one for {$1000.00} and one for {$830.00}. 

I alerted Regions Bank to both purchases immediately, the afternoon of XX/XX/XXXX, as soon as I discovered it. I asked them to close my father 's checkcard, which they did. They asked me to wait until the transactions posted to formally dispute them. 

On XX/XX/XXXX, the transactions showed up as posted on our account so we called to formally dispute the charges. We explained that I had possession of the card, but that my wallet was stolen and that my father had not authorized anyone to make purchases with his card. Furthermore, the Regions representative confirmed that the last time the card was ever used for a withdrawal was almost a year ago. This card also is never used to make purchases and very rarely is used to make withdrawals, so although we do not know what triggers a fraud alert, it would seem that these large purchases should have been identified as suspicious activity by Regions. 

On XX/XX/XXXX, we received a letter denying our dispute. The reason given was that the transactions passed " fraud analysis. '' Again, this is confusing, since a pin was clearly not used in making this purchase and certainly my father did not sign for whatever was purchased. 

We have appealed the decision and provided additional information, including a police case number and a report of identity theft we made with the FTC. Our recent communications with Regions, however, indicate that they are not inclined to reverse their decision, despite the fact that we have now told them we made these reports to the police and the FTC and we also provided them with evidence that I reported the fraudulent activity with my own cards ( although the transactions never went through ) and I have been issued new credit cards as a result. 

I am attaching a fax and documents that we sent to Regions in an attempt to appeal their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX opened XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

In accordance with the Fair Credit Reporting Act 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: Debt collection

On XX/XX/year>, a group called CONSOLIDATED RCVY GRP in XXXX, SC XXXX with phone number XXXX, wrongly added a collection to my credit report. Original creditor : XXXX XXXX XXXX This debt does not belong to me but instead a company going through XXXX  XXXX Bankruptcy called XXXX XXXX XXXX. This collection should be done through the bankruptcy court, not reported to my personal credit. No matter how many times I try to dispute it with the credit agencies, they wont remove it. Please have the collection removed from my report. Thank you!
Product: Money transfer, virtual currency, or money service

My complaint is for XXXX and USAA bank. 
On XXXX XXXX XXXX. I called my bank immediately after sending a zelle payment to someone who said that they never received the payment for goods to be received later on that day. 
USAA stated that they would investigate and sent me a letter stating that the persons bank has declined to send back the payment and XXXX hasnt responded. 
The person the money was sent to, was supposedly a trusted friend of a coworker. After sending the funds the person said that they never received the money because the email address was off by 1 letter. The person would not give a new email address and stoped all communication with coworker. Clearly this person is committing fraud and that persons bank account has to be receiving several requests for refunds or reversals concerning this persons account and just ignoring that it is happening. As of today I am out of {$150.00}. with no response from XXXX.