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

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> EQ 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Continuous rude, threatening, and harassing messages or long blank messages left. When I attempt to contact the company provided no agents available after XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX  XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!
Product: Student loan

In XX/XX/XXXX- XX/XX/XXXX my son XXXX  attended XXXX XXXX XXXXXXXX XXXX XXXX . He had taken out a student loan and I do remember co-signing. Not sure of anything else, it was in XX/XX/XXXX. My son made the arrangements to repay his loan. I was going thru a divorce and filed bankruptcy in XX/XX/XXXX. I completed the bankruptcy in XX/XX/XXXX. After the bankruptcy, I started getting notices from Navient. Never heard of them before. I received e-mail, mail, and phone calls telling me what I owed and what my monthly payments are. When I called they would say XXXX   's account is up to date. I spoke with Navient on several occasions to send me a copy of the amount borrowed, interest, penalties and terms. Because as far as I know I only co-signed XXXX 's loan. I spoke to several people. This is totally confusing to me. One says if I pay {$50.00} they will stop it from going to my credit report while they get the information I requested. Another one tells me I have to catch up with one time payment of over {$1400.00} and than my monthly notes would be around $ XXXXOn several occasions the callers was very rude. I stopped answering the calls after I told them I will discuss this matter after I get the information I requested. I get calls starting as early as XXXX XXXX to as late as XXXX XXXX including weekends. I've called several times to explain that I am not comfortable paying out money over the phone to a company that will not provide me with the information on the account ( s ). If you are collecting money they should be able to provide the information. My personal data has been compromised twice in the past 4 years.I don't know if this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( two trade lines on my Transunion credit report ), XXXX XXXX XXXX XXXX
Product: Mortgage

ASC is reporting on my credit as a foreclosure with multiple lates. I have never had an account with this company, nor do I know who they are. I never signed any documentation with ASC. The only mortgage I ever had was with Wells Fargo, which is reporting on my credit. I have never had any other Mortgages other than Wells Fargo.
Product: Debt collection

I received a call from this company yesterday about a payday loan they say that I owe. XXXX XXXX persisted in trying to get money from me and then proceeded to get his supervisor on the phone who abruptly came on the line and began to demand that I provide them with my personal credit card information so I can make the matter go away. They continued trying to engage me in conversation and wanted me to divulge personal details about my finances in the presence of coworkers on both sides of me. I asked them not to contact me at my place of employment. I told them that if they have information stating that I have business with them to mail it to me. I am receiving calls back to back at work and at the front desk where I provide relief for our receptionist. They continue calling making escalating threats and also demanding to speak to my supervisor. The number they called from was ( XXXX ) XXXX but it shows up as a XXXX number.
Product: Mortgage

We submitted a short sale request to XXXX and the short sale was approved on XXXX/XXXX/2016. The approval was good until XXXX/XXXX/2016 but we were told to close by XXXX/XXXX/2016 ( a Sunday ) or the loan would be service transferred. We submitted the recorded documents to XXXX on Monday XX/XX/XXXX2016 as is required and was told that the loan had been serviced transferred on Tuesday XXXX/XXXX/2016 AFTER XXXX had received the funds and the recording documents. The representative let us know that they had sent the short sale funds as well as all related documents to Nationstar. ( Final XXXX & XXXX XXXX Deed attached ) We contacted Nationstar and was told that we would have to wait until the loan had been " boarded '' before they could let us know the disposition. In the meantime, I had moved out of my property on XXXX XXXX, 2016 as required by the purchase contract. 
Nationstar has received the short sale funds and my realtor has been in contact with them and has sent them every document that they have requested. On XXXX XXXX, 2016 we received an approval letter from Nationstar with a request to have additional paperwork signed and notarized. ( attached ) These documents were immediately sent back to Nationstar that afternoon. 

As of yesterday my Realtor was told that the file was in the closing department and we should have word that day. 
My Realtor has been calling and emailing all day and there has been no response from Nationstar. 

The transaction closed on XX/XX/XXXX,2016 and XXXX service transferred this loan even though they were aware that we were closing. Nationstar has in its possession the short sale agreement, the recording documents and the money. This is unfair! I am living in a motel because I ca n't move forward until this transaction is finished. I need help with Nationstar, they gave their short sale approval but are making us wait for a transaction completion letter. HELP!
Product: Debt collection

I have never received any written or phone communication from this company. I saw two new negative entries on my credit report and I inquired about them. They could not verify dates of service although they reported it on my credit asXX/XX/2018. I confirmed with the original debtor that the dates of services are four years old.
Product: Mortgage

Citimortgage refused to refinance my mortgage under the XXXX program. Consequently, I am paying a much higher interest and have suffered financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX/XXXX account showing up on my credit as an authorized user since XX/XX/XXXX. My identity was stolen in XX/XX/XXXX taxes and all. I have submitted this information to XXXX  over 70+ days ago to remove this erroneous derogatory account from my credit file. They refuse to remove it and this is preventing me from getting the things I need done. I am trying to buy a home and I don't want this derogatory falsely reported account to keep haunting me. I shouldn't have to pay for identity theft in 6 years later. I want the account removed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

Equifax Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This a continuation of CFPB complaint # XXXX since I did NOT receive any follow up to the original complaint above. 

I AM STILL BE HARASSED BY CAPITALONE. They are still sending me invoices for payments to be made although my account with them is paid in full! 

After not being able to access the online Walmart system I used the previous month I was very concerned and called Walmart/CapitalOne until I got to a manger who was American so I could be assured he understood what I was asking for. 

Since Walmart had transitioned from XXXX XXXX  to Capital One I wanted to verify my balance was accurate. I had returned several items to Walmart and was expecting a refund. 
The manager said he would sent me statements. When the statements finally came I verified the balance with the exception of a {$27.00} charge. Rather than dispute it and go through further hassles with Capital One I just paid it. 

The transition was a FIASCO! It should have been seamless to the Walmart customer who should have been allowed to used the same Walmart interface to make payments. The Walmart funding source change should have been behind the scenes to the customer with just a note of the new bank not a complete reinvent. 

CAPITAL ONE IS THE WORSE FINANCIAL INSTITUTION I HAVE EVER DEALT WITH They have farmed out their credit card division out cross the Globe which maybe the cause of the cyber attack on CapitalOne. I DO NOT want my personal and financial information to be handled in that way, leaving me vulnerable to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, XXXX  and Equifax because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, Equifax and XXXX  will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided my ID social and a bill confirming myself. Equifax sent a notice stating they needed this information. I have uploaded the information and mailed it to Equifax. I am attaching the information again because I have uploaded to Equifax and to the CFPB and mailed it to Equifax. Why is the information still showing?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my funds were impossible and tracking these transactions was unreasonable.The CFCBs finding indicates that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees. The following inquiries were fraudulently made on my account. I demand that the inquiries below be removed. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX   6. XXXX XXXX / XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiries that WERE NOT AUTHORIZED AND NEED TO BE removedremove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITYCB/ULTA MC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX 's Credit Card uses Comenity Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 
Comenity has charged repeated late fees and exceptionally high interest rate charges to my account even though the account purchases were paid in full. I tried calling the bank regarding the XXXX late fee in XXXX, but the bank was not accepting any calls. The bank had a recording saying they had a system issue and were not charging customers late fees during this period. I asked them to reverse the late fees when I received my XXXX statement. They said since the payments were received 5 days late they could not reverse the late fees. I explained that I had tried contacting regarding the late fees, but they would not accept any customer calls. I now have 2 late fees and exceptionally high interest charges totaling {$86.00} for 2 months. I have now cancelled the card.
Product: Bank account or service

This is an urgent complaint against Ally Bank. I had an IRA ( traditional retirement account ) certificate of deposit ( CD ) with Ally Bank. It came due last month. Ally Bank has confirmed that it closed my IRA-CD on its maturity date last month per routine and correct prodedures. But Ally has not -- and will not -- return my IRA money to me. I have contacted Ally Bank customer service many times, spoken to many people. They can provide me with no evidence that a check was sent to me. They stall, give excuses, refer me to other people in customer service who do n't know how to resolve this. I AM REQUIRED BY IRS to rollover these funds into another traditional IRA asap. Otherwise, I will face tax consequences -- IRS will consider this a distribution instead of a rollover and make me pay income taxes. I have signed forms at Ally Bank saying that this is a ROLLOVER. No one at Ally Bank seems to understand the urgency of this situation. I have requested repeatedly to speak with the expedite dept, the loss prevention dept, the fraud department, the corporate office, etc. at Ally Bank. No one at Ally Bank customer service will allow me to speak with anyone with authority to resolve the problem and find where my retirement funds are. I am shocked that a bank will not return a customer 's money upon the maturity of a CD. I wonder if a bank employee has stolen my IRA money, as Ally Bank can not find the funds. Time is of the essence. PLEASE HELP!!!
Product: Checking or savings account

I'm not quite sure what has occured with the transactions between the bank Chime and the online company XXXX. The problem is in regards to insufficient refund. The total of the transactions where XXXX dollars, I've only received a XXXX dollars deposit back into my account. I've called the coustomer service department several times and everyone seems to be incompetent. There's has not been a sufficient resolution or attempt, just a run around. There also seems to be a situation with the account statements matching, each statement has different transactions. There are services being provided however, there is a competency situation on the rules, regulations, and statues.
Product: Credit reporting or other personal consumer reports

Hi I did not authorize these companies to run my credit or to try an open an account please remove this from my account from equifax XXXX and XXXX. On XX/XX/year> XXXX XXXX XXXXXXXX was not authorized to pull and report to my credit. XXXX XXXX on XX/XX/year> I also did not authorize. XXXX XXXX XXXX XX/XX/year>, I did not authorize. XXXXXXXX XXXX XXXXXX/XX/year> I did not authorize I tried disputing but it is still on my report please remove these from all three bureaus on my reports because this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted about a collection account being added to my credit reports ( XXXX, XXXX XXXX XXXX ) After reviewing the information it stated it was From XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for a XXXX account from XX/XX/XXXX in the amount of {$310.00}. I have never had a XXXX account. After speaking with XXXX today I have learned that a address of XXXX XXXX XXXX, XXXX XXXX, Tx XXXX was added as a address for me through the credit bureau. I have never lived in Texas or have even been in Texas. At this time I am disputing the above account and address being added. 

\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ I was told by XXXX to include this information also when submitting the above information. In XXXX of XXXX a application for a credit card for Bank of America was submitted, which I never applied for and the inquiry for this account was removed. ( # XXXX Research request number ) I just noticed now after reviewing my account that there was to additional Inquiries on XX/XX/XXXX and XX/XX/XXXX which I am disputing also through XXXX. 

Thank you for your time in the above matters.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor XXXXXXXX XXXX  has violated my rights- Under 15 USC 1681 section 602. It states I have the right to privacy. Under 15 USC 1681 section 604A section 2 - It also states a consumer reporting agency can not furnish account without my written instructions. Under 15 USC 1666B a credit may not treat a payment on a credit card account under an open and consumer credit plan as for any purpose.
Product: Credit reporting or other personal consumer reports

Experian decreased my XXXX XXXX XXXX to XXXX on XXXX XX/XX/XXXX because of {$10.00} erroneous late payment charge from XXXX. I contacted XXXX and they reversed charge and sent out letter showing that late payment and charge was removed. On XXXX XX/XX/XXXX Experian increased my score to XXXX. XXXX XX/XX/XXXX Experian decreased my score to XXXX. There are too many inconsistencies with Experian and I would like an investigation into this bureau on why they are playing with my numbers causing me to get denied for loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.