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

I am submitting this CFPB Complaint onve again to request to the Credit Bureaus to investigate and correct my Credit file by removing the disputed accounts completely from my Credit file. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - TransUnion is reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.
Product: Checking or savings account

This complaint regards an online savings account I held with Ally Bank. 

In XXXXXXXX XXXX XXXXXXXX, I received notice from Ally Bank that they had decided to close my savings account, without stating a reason for the decision. I do not dispute that they were within their rights to do so. 
On XXXX XXXX XXXX, I received notice from Ally Bank via email that a 1099-INT had been generated for tax year XXXX for interest accrued on my now-closed savings account ( see attached screenshot ). A link was provided in the email to log into my online account to view the 1099 document. 

Upon attempting to log in, I discovered that Ally had blocked access to the online profile for my closed account ( see attached screenshot ), rendering me unable to view my tax document, which will be necessary before I can file my taxes for XXXX. 

On XX/XX/XXXX, I placed a phone call to Ally Bank customer service explaining the situation. I was told that they would not be able to restore access to my online banking so I could review my tax document online. I was ultimately given a case number ( # XXXX ), and told to wait for a call-back from their " back office '' to discuss my case. I also verified my physical address for them during this call, so I do not know why they are unable to simply mail me a physical copy of the 1099. 

9 business days after that interaction with customer service, I have not received any further communication from them, nor do I have the time to wait on hold for another hour to speak with a representative on the phone, just to be given a runaround again. 

As Ally Bank has no listed email for customer service correspondence, nor any way to access live online chat without online banking access, I feel this is my only reasonable avenue for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened
Product: Student loan

NAVIENT is my fed student loan servicer and ever since the federal moratorium has been in affect, i am constantly being hounded by Navient with phone calls and texts to pay my bill. In the month of XXXX I have received a call almost every day. And now I am getting letters from Ascendium warning me that they will be reporting to my credit sources if i don't make a payment by XXXX My understanding is that Biden told loan servicers NOT TO CONTACT THEIR STUDENT LOAN BORROWERS DURING THE MORATORIUM. So why is Navient getting away with this harrasment???
Product: Credit card

Subject : Complaint Regarding FCRA and FDCPA Violations by Comenity Bank I am writing to file a formal complaint against Comenity Bank for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, Comenity Bank has repeatedly re-aged multiple accounts on my credit report, which has caused significant damage to my XXXX XXXX. 

Details of Violations : 1. Re-aging of Accounts Comenity Bank has continuously updated the dates on several accounts, making it appear as though these debts are more recent than they actually are. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. XXXX XXXX ACCOUNT XXXX : XXXX a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX a. STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX - XXXX instances XXXX. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX STATUS DATE : XX/XX/XXXX LAST UPDATED DATE : XX/XX/XXXX XXXX XXXX OFF EACH MONTH XX/XX/XXXX XX/XX/XXXX XXXX instance XXXX. Damage to XXXX XXXX : Due to the repeated re-aging of these accounts, my XXXX XXXX has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit. 

XXXX. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$XXXX} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$XXXX}. 

XXXX. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with XXXX XXXX, the accounts continue to be updated monthly, further exacerbating the damage to my XXXX XXXX. 

Since these disputes have been ongoing through my attorney for over a year without corrections, the XXXX  day time frame is forfeit. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.
Product: Bank account or service

On XX/XX/XXXX I received an overdraft fee of XXXX , from Sun Trust despite denying overdraft coverage on XX/XX/2016. By denying overdraft coverage I wanted my card to stop processing transactions and be denied at the retail institution. This did not happen. I went into the Sun Trust bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX around XXXX and the Branch manager XXXX XXXX refused to reimburse me the overdraft fee.
Product: Checking or savings account

On XX/XX/XXXX, I received an email ( see attachment XXXX ) as a formal response to my complaint filing to CFPB ( Case XXXX XXXXXXXX ), suggesting that Citi still refuses to cooperate to unblock my account and that the address in the correspondence does not match their record ( " Wrong Address '' ) despite the email showing my current address ( " Correct Address '', ( e.g., XXXX XXXX XXXX ... shown in attachment XXXX ) ). 

The only way to unblock my accounts is for me to provide a reference number in a letter sent by Citi 's Fraud Department multiple times, but the letter never arrived as it was sent to the Wrong Address. 

The account was opened on XX/XX/XXXX, and the address shown in the application documents is the Correct Address. Therefore, Citi has changed my contact information without my consent, purposely put a block on my account, and refused to provide alternatives to verify my identity and allow me to access the account.
Product: Credit reporting or other personal consumer reports

My credit report has incorrect personal information such as multiple name errors and a wrong social security number. The social is incorrect with XXXX, who also tell me I own and am financing a vehicle that a family member has the exact make/model. The loan for the vehicle I was told started at the time they that would make sense with this issue. I have had many other matters in regards to fraudulent trust, student loan, and social service accounts with this individual. All of which I have substancial evidence of wrongdoing. As this person is my mother, she has had all information of mine. I had a phone number with her account, used her address for mail, etc.
Product: Credit card or prepaid card

I have 3 accounts with this subprime credit card company. 2 are due on the same day. I paid the minimum payment on both cards on XX/XX/XXXX. I received email confirmation of both payments as well. This morning I received an email and several alerts from credit monitoring companies that I missed this payment. When I logged in to the website, I got a screen I never saw before telling me that as long as I paid {$98.00} before my next due date, they wouldnt report me to the credit bureaus for missing a payment. I checked my bank account and neither payment had posted. Money is extremely tight at the moment, so I made an additional payment of {$50.00} and figured I would call to ask them to remove the late fee ( Ive never missed a payment ). When I look at my bank account this afternoon, I discover that both of the payments from XX/XX/XXXX have been withdrawn from my bank account. When I call to cancel the {$50.00} payment, they tell me my account is past due. When I press that it isnt, they admit they see the payment I made on XX/XX/XXXX. I reiterate that I want to cancel the additional {$50.00} payment. They keep me on hold for over 10 minutes, and by the time I speak to XXXX, the manager, its now too late to stop the additional payment. He tells me that I can call my bank and request to stop payment. I ask why I would waste {$45.00} on that?? XXXX also tells me that as long as I make another {$3.00} payment before my due date, I will be paid in full. I ask how I could suddenly owe {$53.00} for a monthly payment when last month it was {$45.00}, but he doesnt have an answer. At this point my login credentials no longer work ( but they worked less than 15 minutes before ), and XXXX offers to take my {$3.00} payment over the phone. I tell him absolutely not. He tells me to go to a different website address to login, which takes me to the same login screen, and my credentials work again. Now I can see my past payments and the pending {$50.00} payment, but I still dont see my {$45.00} payment from XX/XX/XXXX. At the least this is bad business practice, but Im fairly certain this is criminal or borderline criminal. They claim to have had a system error on XX/XX/XXXX and XX/XX/XXXX, but all 3 cards that I have run on the same platform and the other two accounts and other payment had no issues. Shame on me for not checking my email before paying another {$50.00}, but I have been working hard on my credit with the goal of being done with these 36 % interest rates, and I panicked when I got the notification that I had somehow missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the below accounts have violated my rights : XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX FORD INC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have had a loan previously with this company Upstart. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use Upstart. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXX ) since XX/XX/XXXX. I have sent letters and made calls to Upstart. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
Product: Checking or savings account

My name is XXXX. I was XXXX XXXX XXXX and am now XXXXXXXX XXXX XXXX XXXX XXXX  ( my aunt ) XXXX, who died XXXXXXXX XXXX XXXX  at age XXXX. 

XXXX ( now her estate ) has two small accounts with Capital One : Account XXXX. XXXX and Account XXXX. XXXX. The combined value of both accounts is less than {$3000.00}. I am trying to obtain access to both of the above accounts. 

Aside from the above referenced accounts, the only asset in XXXX  name was an IRA with XXXXXXXX XXXX XXXXXXXX worth approximately {$31000.00}. Accordingly, under New York State law, her estate is not subject to probate ( it is too small ). 

On XX/XX/2022, at XXXX, I spoke with " XXXX XXXX at Capital One phone number XXXX. XXXX provided me with XXXX XXXX XXXX. I have tried to follow the Capital One line of communication for estate matters. However, only a blind Capital One email address is available, and interactive communication is impossible. I have tried to call numerous times, but the only response I get is the person is unavailable, leave a message ( which I do ), and no one returns my call. 

Since then I have had an attorney versed in NY estate law write to the bank explaining why funds should be released. Capital One ignores me, and ignores the attorney. 

My request to you is that you ask someone employed by Capital One with appropriate knowledge of bank deceased customer matters and NY law to call me to assist in resolving this matter.
Product: Credit card or prepaid card

Back in XX/XX/XXXX I was laid off my job and I lost everything from my car, to my house. I called into XXXX XXXX explain this issue. XXXX XXXX claim to have been understanding but still demanded payment when it was due. I struggled all year to get on my feet. I am a single mother and its not easy to lose everything and have kids you have to still feed, house and clothed. I started a part time job and gave what I can just to pay my credit line on time while trying to get back on my feet but it was until XX/XX/XXXX, I found a fulltime job and was actually on my feet. 

I have reach out to XXXX XXXX in XX/XX/XXXX to see if out of goodwill they would be kind to remove the late payments on my credit report due to my hardships and they stated they cant and that they will place a disagreement code on my credit report. I have been with this company for 3 years now. It just shocks me that they are not understanding of serious situations their customers endures at times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted BMW in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from BMW that indicated that they ( BMW ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail.

I also pulled the contract that I signed and the previous statements. At no time does BMW indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.
Product: Credit reporting or other personal consumer reports

I filed a complaint to the credit bureaus regarding inaccurate data on my credit report. My complaint have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Product: Debt collection

Today I received a letter notification from Midland Credit Management. They sent me a letter threatening to sue me if I did not pay a debt for {$1100.00}. The initial debt was owed to XXXX XXXX XXXX for a credit card. However, the original amount has already been reduced with XXXX XXXX. Therefore, this letter is completely uncalled for and under the nature of the debt, blatant harassment by trying to intimate me during a time when the pandemic has put everyone in a difficult financial predicament.
Product: Credit reporting, credit repair services, 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 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.