23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I recently had half my savings, over {$1500.00} withdrawn from my account through a fraudulent debit card transaction in a different state. I have neither lost nor had my card stolen, so when I saw that large transaction, I was worried because no one had called to tell me or ask me whether or not I was the one who spent that large an amount in one day in XXXX purchase, in a different state. I called Ally bank, who I 've had little to no issues with up to this point, my current bank with my current debit card. 

Ally explained to me that the payment was used with my debit card information and that I would have to cancel my card, which I did, and request a new one. They also told me to contact the company that my debit card was used for with this large purchase to see if they could halt payment, as though that 's the consumer 's job, because they could n't stop payment themselves even though it 's pending. I do n't believe that. They also claimed they could not do anything unless the payment went through, and if it did, I 'd have to file some paperwork and wait UP TO 45 - 90 DAYS to get my money back. 

Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX, so I was depending on that money to pay my bills. Frankly, I worked hard to save my money. For them to take up to 90 days, make me do all the legwork, not contact me about this fraudulent purchase, and so on, is unacceptable for a company that calls themselves a bank. I will be changing banks today, but I want my money back from Ally. I hope it will not take 90 days, and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank, with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through, etc. I know how a REAL bank works, and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

US Bank notified me by email that they would eliminate the Bonus Award Nights benefit as of XXXX XXXX, 2015. I 'm unhappy about losing the Bonus Award Nights benefit because the main reason I applied for a XXXX XXXX XXXX Rewards Visa Signature Card with paying an annual fee of {$75.00} was to get the bonus award night benefit. I decided to call US Bank and explained to them the situation. They 're unwilling to help me nor did they give any compensation for eliminating the bonus award night benefit.
Product: Checking or savings account

I want to link my Capital One checking account with XXXX. They are blocking access. I was instructed that I have the right to access my financial information and to file a complaint here. They allowed me to connect with XXXX, but not with XXXX. I think this is completely unfair and possibly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate account is reporting under my experian and XXXX credit file, please find attached my police report and the FTC report for the flowing account, i have been disputing this inaccuracy for the longest times, please have this removed thank you
Product: Checking or savings account

On Friday XXXX I deposited a check from an account owned by my partner, who is also the co-holder of this account, as we do on a regular basis all through mobile deposits. I went into my account and seen that the deposit had been put on hold then called the customer service number and was instructed to call the holds department on XXXX. On XXXX I called the hold department and was told by agent the hold was due to an image issue and she adv they verified the information but I would need to call back on Monday and as long as The funds have been received the bank would be able to release the funds. I called Monday XXXX I was told by the agent the funds were verified, they called my partner to verify information from the deposited check, and was put on hold for XXXX min and came back on and said they have tried to release the funds but the system wont allow them to and I'll just have to wait until XX/XX/16
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Mailed, via Certified Mail with return receipt, a cashier 's check for the payoff amount to GM Financial, also enclosed with a contract that clearly stated the execution of the enclosed funds would constitute agreement to and acceptance of the terms of the stated contract. Those terms included marking the account as paid in full, removal of all derogatory remarks from all reporting agencies and cease all collection attempts. ( Original contract and copies of executed funds included in files ) XX/XX/XXXX - Certified Letter and funds were received by and signed for by a representative at GM Financial. 

XX/XX/XXXX - Cashier 's Check for full payoff amount, with contract stamped below signature line, was executed and deposited for payment. 

XX/XX/XXXX - GM Financial was made whole by the settlement of the cashier 's check. ( Copy of check with stamp and signature included in files ) XX/XX/XXXX - Received a letter from GM Financial acknowledging receipt of payment and the settlement of the the account in full. ( Copy of letter included in the files ) XX/XX/XXXX - GM Financial fails to perform on the agreement to remove all negative items from all reporting agencies within 30 days of executing the contract via their signature on the check and the cashing of those funds. 

XX/XX/XXXX - GM Financial continues to report the account negatively and even in the month of the payoff posted the account as delinquent, this has continued to be the reporting status month after month since the payoff. 

GM Financial has failed to perform on the agreement they entered into by signature on the check to remove any and all negative items from any and all reporting agencies. Furthermore, the agreement stated should they dishonor the contract or violate its terms they agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and they agree to Summary Judgement against them.
Product: Debt collection

Im being asked to provide {$100.00} by XXXX XXXX XXXX. This is them saying that its something from PayPal. I provided documentation from my bank where {$100.00} dollars were sent to PayPal around the date of this debt collection creation. PayPal also has sent me an email saying the confirmed the {$100.00} payment. I sent this information to debt collector agency and they dont think it is enough and are trying to send me more info for me to sign. 

Sounds like PayPal sending me to collections, then me paying, then PayPal not doing due dilligence and contacting the debt collectors. Either PayPal or XXXX XXXXXXXX XXXX not doing their required work and asking me to prove why I dont owe the debt.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report that Experian has consistently and inaccurately reported late payments on my credit report related to my XXXX account. Despite my repeated efforts to have this matter investigated and resolved, Experian has failed to correct the inaccuracies and continues to report the false information. These late payment entries are completely incorrect and have caused significant harm to my credit score and financial standing. 

Here is a summary of the timeline of events and the actions Ive taken : I first became aware of the false late payment entries on my credit report when I received a copy of my Experian credit report. The report indicated that I had several late payments on my XXXX account, but I have verified that I was not late on any payments during the stated periods. I immediately contacted Experian to dispute this inaccurate information. 
Over the course of several months, I have submitted multiple dispute requests to Experian, requesting that they properly investigate and verify the accuracy of these late payment entries. In each case, I provided supporting documentation showing that I was not late on any payments during the reported periods. Despite my clear evidence, Experian has continued to report the inaccurate late payments without conducting a thorough or proper investigation. 
Failure to Investigate : Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputed information and correct any inaccuracies within 30 days. However, Experian has repeatedly failed to conduct a proper investigation into the disputed late payments. Instead, they have allowed these errors to persist on my credit report without verifying the facts or providing me with a clear response regarding their investigation process. 
As a result of Experians failure to correct these inaccuracies, my credit score has been negatively impacted, and I have suffered harm, including higher interest rates and denial of credit. The continued reporting of these false late payments is damaging my financial reputation and ability to obtain reasonable terms on loans and credit products. 
FCRA Violations : I believe that Experian is in clear violation of the FCRA, which mandates that credit reporting agencies maintain the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ) and promptly investigate disputes ( 15 U.S.C. 1681i ). By failing to correct the erroneous late payment entries despite my repeated requests and providing no explanation for the continued inaccuracies, Experian is in violation of my rights under the FCRA.
Product: Mortgage

On  XXXX   XXXX ,    2017,  the borrowers executed a permanent modification agreement. On  XXXX   XXXX ,    2017, Ocwen  executed this modification agreement. The borrowers timely made each payment under their trial modification plan and continued to make timely monthly payments after their loan was permanently modified. However, the first mortgage statement they received  after Ocwen  executed the permanent modification agreement, which is dated  XXXX   XXXX ,    2017, f alsely states that there is a past due payment amount of {$1100.00}.     Furthermore, the only mortgage statement the borrowers received in  2017 is  the mortgage statement dated  XXXX   XXXX ,  2017, w hich is for the payment that came due on  XXXX   XXXX ,  2017. T his failure to send the borrowers a periodic statement each billing cycle constitutes a violation of   XXXX   XXXX   XXXX       On  XXXX   XXXX ,    2017, t he borrowers mail ed Ocwen  a qualified written request, in which they explained that their account is in error because  Ocwen falsely claims that the account is past due and Ocwen  has failed to send mortgage statements each billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX  XXXX {$280.00} XXXX  XXXX {$370.00} XXXX/XXXX  XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME THEY STOLE MY IDENTITY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

When merchants are are unresponsive and transactions are disputed, this company does not investigate them properly, which is a violation of federal and state law, but also a violation of their card issuing agreements with visa/mastercard. 

The improper investigations are due to extremely poor quality, including poor English comprehension, of outsourced customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that Capital One supplied to XXXX, XXXX, and XXXX. 

This item in question is a Capital One account that was opened XX/XX/2017 with a credit limit of {$1300.00} is inaccurate because it was reported late and charged off. I have proof of the payments made in the months in question. I am requesting that Capital One have the items removed and adjusted. I was about to get copies of my past banking statement from months in question, showing the payments were made on this account to Capital One. Payments are highlighted on my statements. 

Enclosed are copies of banking statement supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete and correct the disputed items as soon as possible. 

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

I have filed a dispute with the 3 credit reporting agencys. Transunion, XXXX, and XXXX. I have been trying to get an error corrected on my 3 credit reports for quite some time now. I have 2 accts from " XXXX '' reflecting on my credit report. I have requested several times via usps mail for validation of this acct. These 3 companies are under strict laws that are designed to protect the consumer in instances such as this the law states as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Which means that billing statements are NOT good enough. I have demanded to see the actual signed promisary note of these accts. Which they have failed to provide. Furthermore the law also states : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The proper proof that is acceptable is as follows : I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance I would like the 2 accounts that are listed as " XXXX '' on my credit report with the 3 major credit bureaus be removed immediately as listed by law that must be filed. There is no choice in this matter moving forward.
Product: Mortgage

Just to give a specific in a short version I dont know how much typing this allows me. PHH Mortgage has giving me the run around for 9 months now. CS Reps no knowledge how to answer questions you ask. Being assigned to a different case mgr twice.Submitted 4- 5 mortgage assistance applications for them to tell me I'm not eligible because I need to have my loan 12 months which was not stated. If I knew that why would I go thru 9months of faxing, calling, spending money to send all this paperwork. I wait til it 13 months as they suggested and be denied again Now here come the pandemic I explained I have {$10000.00} toward my NOW {$18000.00} to resolve my mortgage up to date and they say NO REALLY! LOOK AT THESE DATES THEY SUBMITTED VIA MAIL I could speak to them via phone then they send a letter dated the same day with a different response. IM already nervous abt this virus as I suffer from XXXX & XXXX PLEASE PLEASE REVIEW ATTACHMENT
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX & XXXX XXXX ( Comenity Bank ) # XXXX
Product: Checking or savings account

Dear Sir/Madam, I am filing a complaint regarding an unauthorized transaction, inadequate customer support, and the resulting negative balance and account freeze on my SOFI account XXXX 
Background : On XX/XX/XXXX, I noticed a {$4000.00} USD deposit into my SOFI Savings account from my linked XXXX checking account. I did not authorize or request this transaction, and I had insufficient funds to cover it. I immediately contacted SOFI customer service, but they stated that once the transaction was initiated, nothing could be done. They suggested I dispute the transaction with XXXX and told me SOFI could not process a dispute. 
Frustrated, I contacted XXXX, who promptly filed a dispute and confirmed that the transaction originated from SOFI. This was corroborated by the fact that I had no external bank accounts linked to SOFI, making it impossible for me to transfer funds without first linking the accounts. XXXX advised me to pause further transactions between the accounts until the issue was resolved. 
XXXX reversed the deposit, but due to SOFIs lack of action, they also reversed the deposit, resulting in a total of {$8000.00} being moved to XXXX. This left my SOFI account with a negative balance of about - {$3000.00} USD, leading to an account freeze. 
Ongoing Issues : I have spent several weeks trying to resolve the negative balance by redepositing funds. SOFI customer service repeatedly assured me the restrictions on my account would be lifted, and I received email confirmation on XX/XX/XXXX, that the restrictions were removed. However, on XX/XX/XXXX, I was told that my account was being terminated in poor standing and that nothing could be done. 
Summary of Issues : XXXX. Unauthorized transaction occurred, and SOFI failed to provide adequate support. 
XXXX. I had to file a dispute with XXXX, resulting in a negative SOFI balance. 
XXXX. Despite attempts to resolve the issue, SOFI provided inadequate support and froze my account. 
4. SOFI is now terminating my account in poor standing. 
Requested Resolution : I request the following : XXXX. A full investigation into the unauthorized transaction and SOFIs failure to address it promptly. 
2. Immediate removal of restrictions on my SOFI account so I can resolve the negative balance. 
XXXX. A clear plan to resolve the negative balance and ensure my account is closed in good standing. 
If not resolved promptly, I will consider further action. I trust the CFPB will investigate and ensure SOFI adheres to appropriate customer service standards. 
Thank you for your attention. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what XXXX  and Equifax ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.
Product: Debt collection

LVNV Funding continues to keep two bogus alleged debts on my credit report for my PERSON. I sent to them professionally and politely both a 15 USC 1692 Notice and Demand to Verify Debt and a request for mutally signed and agreed NOVATION.

LVNV has NOT proven that a legitimate and legal debt even exists, and they certainly have not provided my PERSON with MUTUAL signed novation to  prove legally and lawfully that they have a right to attempt to colect on this bogus and alleged debt. 

I want these items removed. My PERSON will record a LIEN in these alleged amounts plus 3x the amounts and the associated costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute to XXXX  and Experian letting them know that some information on my credit report was inaccurate because it was removed from XXXX. I have documents to prove that the information was removed from my XXXX. XXXX  and Experian both said the information was verified but how if it was removed from XXXX.