23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I would like for you to investigate on the issue on Ally Bank. My initial complaint was filed XX/XX/XXXX for unable to access my account both online and through phone app. They couldnt figure out why. They asked me to clear cache, it didnt work. They reset my password and still didnt work. They give me a reference number XXXX. They said they will have their tech team work and get back to me, but they never did. I called again on XX/XX/XXXX to check and still nothing was resolved ; they said the same thing, theyll have tech team work on it and follow up with me. This time I was awakened enough to ask and know that I spoken to XXXX from tech who escalated to back office tech for further assistance and will get back to me. No one ever called me back. 

In conclusion, since XX/XX/XXXX until now, I am very frustrated that I cant access my accounts online nor thru the app. This is an online bank, my only access is online and app. Please help, thank you so much.
Product: Debt collection

I am reporting complaint due to the loss of my wallet at XXXX XXXX XXXX XXXX in 2017. Since then, my identity has been compromised, leading to unauthorized credit card usage and debt accumulation under my name with this company in particular.
Product: Credit reporting or other personal consumer reports

To whom this may concern in regards to the XXXX XXXX account reporting an opening date of, XX/XX/year>, And the XXXXXXXX XXXX  account reporting an opening date of XX/XX/year>. 

I am writing to formally dispute the inaccurate information reported on my credit file concerning the charged-off accounts with with each company. Upon reviewing my credit report, I discovered that these companys have reported these accounts as charged off and categorized them as a profit loss. 

Under federal law, specifically the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies. In this instance, if the account was charged off as a profit loss, I should have been provided with a Form 1099-C for tax purposes. Failure to issue the required tax documentation constitutes a violation of reporting standards, and the current reporting appears to be false. 

I hereby request the immediate removal of these account from my credit report. If this issue is not resolved and the accounts are not removed within 30 days, I will pursue statutory damages and legal remedies as allowed under the FCRA. 

Please confirm receipt of this letter and provide a written response outlining your actions within 30 days. 

Thank you for your prompt attention to this matter
Product: Payday loan

I got a {$300.00} payday loan from northern plains funding. I was not made aware that I would be paying over {$2000.00} to pay off my loan. They are currently taking {$90.00} from my account every payday stating that the {$90.00} is only paying for the interest. I have called to make payment arrangements and to get advice as to how to pay this off and they refuse to give any help.
Product: Debt collection

XXXX who I have never signed up my services with at any time has a debt linked to my name that does not belong to me, they have sold this debt to companies which have then sold to others after ive said this is bot my debt and have disputed this information. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my wife and I are receiving nearly daily dispute letter from Equifax, and we notice that both of our credit reports are showing that we're disputing something in the report. When neither of us for a while now has filed a dispute either by letter or using the on-line portal dispute. And we're wondering if the complaints we file here are being converted to disputes that has us receiving responses that has nothing to do with the actual complaints I've filed here. The filed complaints seem to take forever to answer while there seem to be ongoing responses to disputes neither of us has filed. So since it there has been months since either of us could have filed a dispute, please stop sending us responses to disputes we've never requested. 

Attached are two pages that came today XXXX XX/XX/XXXX ) It has a XXXX XXXX : XX/XX/XXXX date with a : Confirmation # XXXX and it reads more like how to understand the dispute system, but totally lacks anything relevant or worthwhile concerning any situation we've been having a problem with, or anything we've put in a complaint here on CFPB. Not sure why in the total two pages that were in the envelope, there is nothing of substance or relevancy to anything of concern for either of us. Surely there was not a Dispute filed by me in either letter form or using the online portal, yet there are normally or almost daily dispute letters from Equifax in our mail box.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$0.00} ( Original Creditor : ) XXXX {$130.00} ( Original Creditor : ) XXXX XXXX} ( Original Creditor : ) XXXX XXXX  ( Original Creditor : ) XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

U.S. DEPARTMENT OF EDUCATION : XXXX, XXXX DEPARTMENT OF EDUCATION : XXXX, XXXX DEPARTMENT OF EDUCATION : XXXX, XXXX DEPARTMENT OF EDUCATION : 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 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. 16815-2 ( AN1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I was incarcerated for four months ... at which point. I was having Idaho state insurance fund direct deposit checks for workers comp.. this was XXXX to XXXX my bank account was being spent via my debit card .. when I got out I found my account to have insuficiant funds .. I filed a fraud claim and verified my imprisonment and tried to get the money back and was denied most of it ... I have bank statements,,, and would like help getting the money and any applicable interest ... about XXXX dollars and 18 months time so far I figure 21 % interest is sufficient
Product: Checking or savings account

My father, XXXX XXXX, had two accounts with Wells Fargo, checking and savings. I was named beneficiary on the accounts in about XXXX. In XXXX I was named XXXX of Attorney. My father died XXXX XX/XX/XXXX. I called Wells Fargo to report his death and was instructed the accounts would be frozen, and that I should present a certified death certificate to access them. I took the death certificate to the branch at XXXX XXXX XXXX XXXX VA the second week of XX/XX/XXXX. The banker ( I did not document her name ) received the certificate and appeared to scan it into her system. She stated I was POA, which expired on death and that I could only access the account once I opened probate and was designated as personal representative. I questioned her and she asserted that I was only POA and had no standing to access the money. 

I retained the services of an attorney, paying a deposit from my personal funds. The sole reason for doing do was to secure release of the funds from Wells Fargo ; all other assets from other institutions having been released to my sister and me. There was no real or personal property involved. Upon receiving documents from the court naming me as personal representative, I made an appointment at the branch office, XXXX XX/XX/XXXX, at XXXX XXXX XXXX VA. I explained that I wanted to close the accounts and receive the funds. The banker started to process my request and asked who had told me I was not the beneficiary on the account ( obviously wondering why I had produced the court paperwork ). I told her that it was an employee at another branch. She then stated that I was, in fact, the beneficiary. She notified her XXXX and they indicated they would make an internal inquiry and note concern that I was not properly advised. I received a check for the funds that day. 

Because probate can not be stopped we had to continue through the process. My sister and I did not have use of the funds during that time ( until XX/XX/XXXX ). The attorney 's fees and associated costs of probate were {$3300.00}. I have been in communication with Wells Fargo 's XXXX XXXX on numerous occasions beginning in XXXX XXXX, requesting reimbursement for those expenses. The complaint has been closed numerous times, with instances of employees making misstatements about the case and implying I did not provide information they needed. The case is active again, but I have not been asked for any documentation about probate. Those details substantiate the amounts advanced for fees and also support our claim that probate was only necessitated by the inaccurate guidance given by the Wells Fargo employee in XX/XX/XXXX.
Product: Credit card

I applied for and received a credit card issued by Chase for Amazon XX/XX/2015. Balance was paid in full by the billing cycle after the card was issued. XXXX letters were sent to Chase with a copy of the cleared check from my bank and a carbon of the check itself asking them to reflect the charges. The second effort was met with a response saying the issue was under investigation and I should do nothing. Today, I received a past due notice.
Product: Student loan

This is the response we received from them. We apologize for any inconvenience this may have caused. Although we have approved employment for the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Your loans were in their grace period prior to you consolidating your loans and were not in repayment. Loans have to be in repayment for months to qualify and your loans never entered repayment until XX/XX/XXXX. 

But all student loans were in a grace period during this time frame due to the pandemic and this is how the care act reads. All Direct Loans are covered by the federal CARES Act and extended relief, which reduces monthly payments, including interest, to {$0.00}. These {$0.00} payments will count toward PSLF. However, PSLF also requires employment with a qualified employer.

My employment has been verified. These payments need to be updated and counted towards my PSLF forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On more than one occasion transunion never mailed my credit report on XXXX and XX/XX/2021, in which the law states a free copy of all three ( 3 ), credit reports every one to two weeks do to the on going outbreak, I believe that someone name on my credit report maybe showing up, or something or someone is plugged into my credit information.
Product: Debt collection

On XX/XX/XXXX I received a notice of credit report changing indicating an open collection account from Debt Recovery Solutions about a payday loan from XXXX with XXXX  for {$160.00}. I called them on XX/XX/XXXX and spoke to a rep by the name of XXXX XXXX who told me a letter was mailed on XX/XX/XXXX. I asked what about the 30 day dispute period and He said I only have 14 days which isnt nearly enough time considering mailing. Upon checking the mail on XXXX, I did receive the letter and it specifically states I had until XX/XX/XXXX before action would be taken to dispute this notice. I am in the process of purchasing a home and this collection being added caused me to lose over 30 points from each of the reporting agencies. I have paid this since it seemed necessary per the rep and was informed it would be removed within 30 days. I have already had a similar situation with this company that had to be resolved with the XXXX  after over 90 days of no updates. My home ownership process is now on hold and this situation has caused extreme emotional stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft, I have been sending letters to all 3 credit agencies and some of them said it has been verified that it was me ... ..? I asked these companies to send me original contracts from the parent company that I allegedly signed and they could not. All some of them sent was copies of transactions that were made ... .. '' PLEASE send me the original contract that I allegedly signed. PLEASE. 

XXXX XXXX ... .Please send me original signed copies from parent company. 
XXXX XXXX ... Please send me original signed copies from parent company. 
XXXX XXXX XXXX .... Please send me original signed copies from parent company. 
XXXX XXXX XXXX  ... Please send me original signed copies from parent company. XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX XXXX XXXX XXXX .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX  ... ..I am not a home owner. who are these people XXXX  ... ..Please send me original signed copies from parent company XXXX XXXX XXXX  ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX XXXX ... ..Please send me original signed copies from parent company XXXX XXXX XXXX ... .Please send me original signed copies from parent company XXXX XXXX ... .Please send me original signed copies from parent company XXXX ... .Please send me original signed copies from parent company
Product: Checking or savings account

I have XXXX XXXX dollars in Wise ( previously Transferwise ) they ask on XX/XX/XXXX for proof of address, I sent them over several documents including bank statements and my ID, at first they said it will be XXXX days now I have been calling them for more than month asking for an answer about my case and always the same, that they are reviewing it and still nothing, I moved to a new a place and had to get a loan to pay for all my moving expenses and new stuff for the house having XXXXXXXX XXXX in a bank account, and now I am struggling for pay my bills having money, this I think is out of control, is not fair to me or my family, hope to get an answer from you and that this complaint help to speed up things, thanks
Product: Credit reporting or other personal consumer reports

I am applying for a Boat Loan at XXXX XXXX, and I unfroze my credit in order to assess my report for the loan on XX/XX/XXXX2024. The boat lender, Truist XXXX XXXX also known as BB & T XXXX XXXX XXXX, pulled ( XXXX ) credit inquiries. XXXX from XX/XX/XXXX24 and XXXX on XX/XX/XXXX24. XXXX XXXX have done nothing to resolve the situation. I have asked to have the lender remove XXXX of the credit inquires on my report, and indicated that they can not.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge off XXXX XXXX charge off Credit coll charge off XXXX CHARGE XXXX XXXX XXXX XXXX XXXX HARD INQUIRIE MERCHANTS CHARGE OFF Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Checking or savings account

Subject : Complaint Against Bank of America for Violating the Expedited Funds Availability Act ( EFAA ) Dear Sir or Madam, I am writing to file a formal complaint against Bank of America for placing unreasonable holds on cashiers checks I deposited, in violation of the Expedited Funds Availability Act ( EFAA ) and Regulation CC.

Details of the Issue On XX/XX/year> {$7200.00} XXXX XXXX {$6200.00} XX/XX/year> {$11000.00} XX/XX/year> {$2500.00} XXXX XXXX {$7200.00} XX/XX/year> {$1000.00} I deposited both cashiers checks and regular checks in the amounts listed above into my account at Bank of America. Despite the clear provisions of the EFAA requiring next-day availability for cashiers checks, Bank of America placed a hold on my funds for 7days, delaying access to my money unnecessarily.

When I inquired about the reason for the hold, I was given a vague explanation that did not align with the exceptions allowed under Regulation CC.

Specifically : The cashiers check ( s ) were properly endorsed and deposited into my account, meeting the criteria for next-day availability.

There was no legitimate reason for an extended hold, such as a new account, repeated overdrafts, or suspicion of fraud.

Bank of America failed to provide a valid justification for the extended hold and did not inform me of when the funds would be made available until I pressed for further clarification. This caused significant financial inconvenience and hardship, as I was unable to access funds needed for [ specific purpose, e.g., paying bills, meeting obligations.

Violation of the Expedited Funds Availability Act Bank of Americas actions are in direct violation of the EFAA and Regulation CC, which require that : 1. Cashiers checks deposited in person must be made available for 2. withdrawal by the next business day, unless a valid exception applies.

3. If an exception applies, the bank must notify the depositor of the hold, provide a reason, and specify when the funds will be available.

Bank of America failed to meet these requirements, resulting in unnecessary delays and financial hardship.
Product: Checking or savings account

I filed a claim for fraud on my account and they denied my claim and closed my account so they wouldnt have to pay me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit report from XXXX was alerted that an account was reported opened under my name the bank name is XXXX XXXX Bank this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my XXXX  services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized TransUnion or XXXX permission to release my credit information or have I authorized these 35 inquiries on my profile with the exception of XXXX XXXX, XXXX XXXX. I have begged them to remove these inquiries and fraudulent accounts. They have refused
Product: Debt collection

My mother was contacted by XXXX XXXX with Huntington Financial Services- he told her I should contact him. I contacted him and he informed me I have a loan that needs to be repaid. I asked questions about it since its new information to me, and he threatened to seize my car and belongings, call my work, and use my paycheck to take the money that is owed. He only told me the loan was {$500.00}. When I asked what type of loan l supposedly took out- he replied if youre not going to pay the loan we will sue you. I have no knowledge of this loan and was just wanting information. I also asked to speak with his supervisor because he is unprofessional and he cursed at me then told me he is the supervisor. According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act and Truth in Lending Act, he violated my rights twice ; by threatening harm AND threatening to take my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquirer Name : CAP ONE XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for credit cards and loans under my name, they even stole my mail from my house, they even made payments on some credit cards, i never applied for capital one credit card in 14 years because i don't even use my credit anymore because of this issue, i can't make it better they always apply under my name, they ruin my life because of this but for last time I'm trying to fix my credit, i have never applied for any of this, i never authorize any of this inquires even if you do investigation and everything matches still doesn't mean i did it, please remove this 6 inquiry from my credit report. 
thank you.
Product: Debt collection

Debt collection XXXX was deleted twice cause I have evidence showing that collection and account doesn't belong to me. XXXXXXXX XXXX  sent me a letter about 6 months ago and they deleted the collection now Midland Credit Management keep pushing this nonsense messing with my credit score