23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a scam call trying to collect on a late car loan payment from ally fianc woman with heavy accent named XXXX ph # was XXXX XXXX XXXX backstory I bought out my leased car from XXXX right before the covid 19 shutdown set up automatic payments thru their preferred service provider payment were due to start XX/XX/20 but as of yet I have not received any mail with acct number from XXXX XXXX XXXX XXXX generation is also trying to help me solve this problem as of this afternoon I still was not in XXXX XXXX system and def not showing any missed payment also as per XXXX at XXXX XXXX  there has been a scam similar to this that they are aware of and even if I was a month late I would get a call from them before any collection agency normala provided a acct number for a ally Finance acct and wanted me to send payment to them I told I would do no such thing and would deal with bank directly so no money was sent to them from me but I wanted to let u know about this shady company Ty for any help on this matter XXXX XXXX
Product: Mortgage

Bank of America has XXXX the ability to make principal only payments on their website. The only way to pay extra principal payments is to make a future loan payment, and then pay extra on top of that.
Product: Credit reporting

Experian has information from XXXX on account # XXXX that because of there misinformation has affected my credit score. On 2015 my phone was damaged. So, I changed companies than in les than 48 hours was back with XXXX always keeping the same number. On the day that my bill was closed to be due, I made a called to verify my outstanding balance ; As when i went back to XXXX was under a new account number but same cell number. I was told on a recorded line by the representative that if any balance is due will be in the same number. I made that call as I was unable to view my ebill, I was unable to get into my email as i lost the passwords.Had all passwords automatic, there are some calls to that to company that will back up this information also on a recorded line, Never received a letter or a text like they do or a call for the amount due even though the number was never changed. The phone never got disconnected, All calls are recorded so I wish this matter could be investigated because is not right i haver never missed a payment with this company, All calls are recorded concerning this cell number on both accounts as its stated at the begining of the call.
Product: Debt collection

In XX/XX/year>, I Sent Equifax Credit Bureaus a dispute that the company XXXXXXXX XXXX XXXX I with a balance of {$3100.00}. The credit bureaus is reporting false information and reporting accounts that do not belong to me. I sent the company a letter and a copy of my identification card. The letter requested that the item needed to be verified and removed. I also requested they send me the steps on how they confirmed that these accounts were mine. They failed to do so, with only a response that stated the account was verified but failed to provide proof of their investigation to claim so. 606 ( b ) - 15 U.S.C. 1681d states Disclosure on request of nature and scope of the investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is later. 623 ( 9 ) ( b ) ( 1 ) ( E ) ( ii ) - 15 U.S.C. 1681s-2 states, If an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly delete that item of information. I, the consumer, am requesting the immediate removal of this false reporting on my credit report.
Product: Credit card

I have several two credit cards with Capital One for several months during which I have maintained my credit in good standing paying the full credit balance in most cases and always paying on time. I wanted to give my kids the option to begin credit and finance education early, so I called Capital One and asked them if they have a program to add my kids to my account as authorized users to have their own cards to use at school or when they go out. They welcomed the idea and told me that they certainly allow that and were eager to collect my kids information including the dates of birth, SSN, and names. Then they told me that the cards will arrive shortly. a few days later Capital One restricted access to my card. I was treated with total unprofessional way to say the least and was accused with fraud, insulted, and the representative hung up the phone on me. I called again and a manager was very nice and apologized and informed me that I need to send copies of my kids XXXX and SSN, and I did. The next day I found out that the earlier representative had actually closed my account without my consent and without reading me the required disclosure and had done so after he actually hung up the phone with me based on the time stamp of the call log which he should not have been authoirzed to continue accessing the account after he terminated the call. I called the following day and spoke with fraud account manager " XXXX '' who apologized and confirmed that the representative closed the account after he hung up the phone with me and he should have read me the required disclosure. Then I found out that he also restricted the other credit account I have with Capital One which was not even subject to the conflict. XXXX asked me to review the documents that I had previously sent to manager " XXXX '' the day before to help reopen the first closed account and remove the restriction of the second account. then she came back on the line and said that the department that would review the call recording to determine the wrong doing by the first representative is closed on Friday and promised to call me back Monday by XXXX XXXX. I called today when she did not honor her promise to call only to find out that they closed the second account completely as well. when asking about the reasons, they said we could do so if we want to at our discretion. I expressed that I have not done anything wrong as I called and asked Capital One before making any account changes and they were the ones that added the authorized users and then closed my accounts which were maintained in good standing the whole time to the extent that they increased my limits automatically several times from {$300.00} to {$5300.00} which would never have been the case if the accounts were poorly managed and there should have been no justification for the way these accounts have been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity and this credit reporting agency hasn't removed the fraudulent items from my credit profile. They are violating FCRA 605B which states these accounts must be removed within four business days. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX I contacted the XXXX XXXX XXXX  and filed complaint # XXXX, I filed a complaint with the Georgia Attorney General office and XXXX XXXX has removed it from my consumer report I also sent a notarized copy of these things to them via certified mail. 

Please remove these items as soon as possible : XXXX XXXX  BANKRUPTCY Reference Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

FYI This is me disputing this information NOT a third-party agency. Please find my driver 's license attached.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022 to about the XXXX of XX/XX/2022. 
I had made transfers from my bank account to Coinbase in order to fund the scammer named XXXX XXXX XXXX / XXXX XXXX XXXX. 
I tried to withdraw my money but was unable, they kept telling me that I need to pay taxes and give them more money in order to withdraw the funds that were already there but every time I did that they asked for more and i was never able to take my money back. 
I lost an equivalent of XXXX USD.
Product: Credit card or prepaid card

On XX/XX/XXXX I lost my wallet and Citicard mastercard while out. I later learned that repeated fraudulent charges for an identical amount of around 200.00 were made on that card. I was not notified by Citi about the charges or the nature of the charges which should have been a red flag despite being enrolled in their protection program. I learned of the charges when requesting a new card. I disputed the charges at the same time. They were refunded to my account. 

Subsequently I have received repeated inquires from Citi regarding this dispute. In XX/XX/XXXX I  contacted the company and answered intrusive questions regarding the loss of my card and this inquiry. This is well after the 30 days that Citi has to close this matter out. 

Today, XX/XX/XXXX I received another inquiry for more personal identifying information which I will not be providing to Citi. They are well past the deadline for resolution and have crossed over into privacy based violations. I would like assistance in compelling them to close this matter out.
Product: Debt collection

I have two complaints filed against Ally. The amount they are stating I owe is incorrect. In their reply XXXX. The payment history does not show the car as being total loss as XX/XX/XXXX or XX/XX/XXXX. The dates the car was damaged and entered as a total loss and the GAP insurance payment made towards the {$12000.00} balance. The amount paid was {$4000.00}. There was over 6 months before {$1000.00}. of this gap total loss payment was applied. At the time ( XX/XX/XXXX ) the account was charged off the amount due was {$10000.00}. Yet, if the {$4000.00} ( GAP TOTAL LOSS PAYMENT ) would have been applied at the time the payment was made the balance due would have been less than XXXX. 
CFPB *** At the time Ally 's reply I did not have knowledge of amount, or the payment made on the account.
Product: Credit reporting or other personal consumer reports

I am challenging the accuracy of certain information reported on my credit file as it does not accurately reflect my financial transactions or history. This situation breaches the Fair Credit Reporting Act, under the provisions of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable accuracy in the information they report about consumers. Enclosed are the necessary documents demonstrating these inaccuracies. I urge a swift investigation and the rectification of this information to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I tried to open a new account at a credit union and was told my date of birth did not match the date on my Equifax records. When I reviewed my Equifax record I saw that my middle initial and my date of birth were in error. On XX/XX/2020, I filed a dispute with Equifax online, submitting a copy of my drivers license to support my correct middle name and date of birth. On XX/XX/2020 I called Equifax to check on the status of my dispute and was told that now in addition to my drivers license they need a copy of a paystub or my social security card as proof. This is their mistake - they should be required to correct it. I have provided evidence of the error and I'm confidant their records contain plenty of incidents of my true name and date of birth - I have a number of credit accounts that I know are in my correct name and my drivers license shows the correct date of birth.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  XXXX  XXXX XXXX  Account Number : XXXX Bal : {$140.00} 2. XXXX XXXX Account Number : XXXX Bal : {$270.00} 3. XXXX XXXX XXXX  Account Number : XXXX Bal : {$320.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} 5. XXXX  XXXX  Account Number : XXXX Bal : {$6100.00} 6. XXXX XXXX  XXXX Account Number : XXXX Bal : {$2700.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was a mistake, and I respectfully request that you re-investigate my case and restore my account. 

To begin, I want to emphasize that I have not violated any PayPal policy. I have always adhered to the terms and conditions of PayPal, and I have conducted all my transactions with the utmost integrity and honesty. 

I am extremely disappointed and frustrated with this situation, as PayPal has been a trusted platform for me to carry out my financial transactions for a long time. I can not think of any reason why my account would be permanently limited. 

I kindly request that you re-examine my account activity thoroughly and consider any additional information or documentation that I can provide to support my claim. I am confident that upon review, you will see that the limitation on my account was placed in error. 

If it is possible, I would greatly appreciate it if my account can be reinstated. I have always been a loyal PayPal customer, and I am willing to take any necessary steps to resolve any outstanding issues that may have arisen. 

For your reference, the email address associated with my account is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

hello my name is XXXX XXXX a few months ago I checked my credit report and discovered that national credit system had been reporting fraudulent accounts on my credit report. My Social Security number was stolen and used to open up credit card accounts as well as other accounts that appeared to be National Credit Systems reporting on my credit. I have reached out to their corporate offer several times and all I keep getting is the runs around. During the conversation I had with them they said I needed to send proof of identity report and an affidavit, I sent in the requested documents proving that I was a victim identity they said they would remove the fraud account and never did. They are in violation of the Fair Credit Reporting act as my right as a consumer for reporting inaccurate information. I need for this fraud account to be removed or I will take my evidence and file a case with my XXXXocal county clerks office.
Product: Money transfer, virtual currency, or money service

My sister bounced XXXX checks to XXXX XXXX for an account in my name. XXXX XXXX closed the account. She went to Bank of America got a cashiers check for total balance owed and sent it to XXXX XXXX. Bank of America never released the cash to XXXX XXXX and told us for over three years they did. They refuse to contact me now that they have caught the mistake. I would love to go on at length about the ruin this has caused me over the last three years, but I think it must be obvious. XXXX XXXX have to live with my parents , drive 20+ year old car, obviously have no partner I can directly trace this all back to them. I also make {$70000.00} a year and still this is haunting me
Product: Debt collection

The agency handling this alleged debt has repeatedly failed to provide a response to my letters of dispute and request for verification. Places the item and then removes it from my credit report and then re-ages the collection and places it back on as though it is new. I have received 3 debt collection letters regarding this alleged debt. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They were responded to via certified mail with return receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( I have saved copies of all correspondence however I'm not attaching here, however I will make them available upon request ). Additionally the agency removed the old collection account I had disputed repeatedly since XXXX from my credit report and placed it back on my report with an open date of XX/XX/XXXX. This is the 3rd time that they have removed and placed the alleged debt back on my credit report with an updated date. I'm currently in the process of closing on a mortgage and this has caused complications on that front. I am hiring an attorney to seek statutory and actual damages if this does not get resolved immediately but I felt that it should be reported to you as well.
Product: Debt collection

XXXX law firm is attempting to collect alleged debt associated with account # XXXX ( XXXXXXXX XXXX XXXXXXXX ). This account was deleted by XXXX on XX/XX/year> and gurstel law firm has mailed me a letter stating that they are a debt collector and that I owe them. Im not sure how got access to my credit file or how did you obtain my information without my written consent. There is consumer laws and protections and i have not entered into any agreement or contractual obligation with your firm. 
You are required to provide me copies of all documents involving this alleged debt by law to me, including the original agreement bearing my signature as well as how did you obtain this alleged debt. This attempt is not in compliance with the FCRA and my consumer rights. This account was deleted and not reported and therefore you should not be mailing me a letter to my home trying to collect a alleged debt.
Product: Checking or savings account

My daughter sent me XXXX {$150.00} and I moved into account saving. Capital one blocked my account thinking the money wasnt legitimate. My daughter sent me money to pay XXXX. 

Capital one said the check was sent to the mail. Since XX/XX/XXXX, nothing delivered the funds from my account savings.
Product: Checking or savings account

I opened my savings account on XX/XX/2019 in branch in XXXX. The new account bonus for the savings account was for {$200.00} if you deposit $ XXXX  in new money into the account and keep the money for 90 days. At the time of opening, the agent said I can deposit {$100.00} as the minimum opening account balance and then move in $ XXXX. I have met all the terms, and now its been 5 months and I still have not gotten the {$200.00} bonus.
Product: Payday loan, title loan, or personal loan

In this difficult time, I am a victim of XXXX and I am not working since XX/XX/XXXX because my company has closed temporarily. I tried to call this people to let them know about my financial situation. I am surprised that I had taken out an {$800.00} loan but the interest is excessive. They kept calling and emailing me claiming {$2600.00}. I am really worried because this situation becomes stressful. Thank you!
Product: Payday loan, title loan, personal loan, or advance loan

Company violated the following laws CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other PROHIBITED BASIS. 

PROHIBITED BASIS definition- Prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that HAS ACTED IN GOOD FAITH or exercised any right under the Consumer Credit Protection Act. 

I acted with clean hands and in very GOOD FAITH when I applied for the loan. 

1681m REQUIREMENTS ON CREDIT REPORT ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes ADVERSE ACTION with respect to any consumer that is based in whole or in part on any information CONTAINED in a CONSUMER REPORT, the person ADVERSE ACTION- action taken or DETERMINATION that is- ( I ) made in connection with an application that was made by, or a TRANSACTION that was initiated by, ANY CONSUMER, or in connection with a REVIEW of an ACCOUNT under section 1681b ( a ) ( 3 ) ( F ) ( li ). 

Proof of adverse action taken based off information contained in my consumer report that was made by or that was a TRANSACTION by me is included as proof in attachment in Wells Fargo ADVERSE ACTION letter when they unlawfully DENIED me CREDIT. 

Also WELLS FARGO made unauthorized transactions with my credit card ending in XXXX when I applied and signed for the loan. 

CREDIT CARD DEFINITION USC 1602 ( I ) - ( l ) The term CREDIT CARD means any CARD, plate, coupon book or other credit device EXISTING for the PURPOSE of OBTAINING MONEY, PROPERTY, LABOR, or SERVICES on CREDIT. 

USC 1602 m-The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 

USC 1602 p The term unauthorized use, as used in section 1643 of this title, means a use of a CREDIT CARD by a person other than the CARDHOLDER who does not have actual, implied, or apparent authority for such USE and from which the cardholder RECEIVES NO BENEFIT which adverse letter is PROOF that I didnt receive ANY BENEFITS instead, I was denied!! 


USC 1691 a 3 Defined- ( a ) Activities constituting DISCRIMINATION It shall be UNLAWFUL for ANY creditor to discriminate against any applicant, with respect to ANY aspect of a CREDIT TRANSACTION. 

CONSUMER CREDIT TRANSACTION DEFINED- USC 1679 a 2 a- ( 2 ) Consumer credit transaction The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for PERSONAL, family, or household purposes. 

WELLS FARGO has violated so many of my rights and need to be held accountable for their actions and the irreparable harm theyve caused me.