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

There are 2 complaints for Ally Bank. 
COMPLAINT 1 On XX/XX/22 I mailed a deposit to Ally. This is a normal monthly occurrence. On XX/XX/22 I received a call from Ally asking me for sensitive account information as there was a problem with the account. ( This is the basis for the 2nd complaint described below ). 

I refused to give the requested info and then called Ally on their XXXX number. 

The problem is Ally could not read the account number on the check I had mailed them and could not deposit it into my account. On a conversation on XX/XX/22 I read the Ally rep the account number. I was assured this would clear up the problem. 

As of XX/XX/22, at the time of this complaint filing, the check has not been deposited to my account and there has been no communication from Ally as to its status. 

I need the check deposited or returned to me. 

COMPLAINT 2 This complaint deals with the method in which Ally contacted me. The initial call from Ally ( XX/XX/22 ) sounded like a " phishing '' call. The rep said there was a problem with my a/c but I would have to provide sensitive info to identify myself. That is always a warning. 

Later that day Ally sent me an email to my XXXX account asking me to contact them. 

When you call Ally there are inordinate wait times to reach a representative. On XX/XX/22 I called at XXXX and had a wait time of XXXX minutes before getting disconnected. I call again later and had a wait time of XXXX hr and XXXX minutes. This was the call that I was told the matter would be cleared up. 

Ally has a secure web site with a " chat '' button. When clicking it over numerous days it did not work. 

Also on the Ally website there is a " secure message '' feature. I used that secure message feature and have sent Ally 3 messages ( XXXX, XXXX, and XXXX ) regarding this matter. Notwithstanding there website claim of responding to these messages within XXXX days, I have yet to be contacted by Ally on this matter. 

In summary, Ally engages in a dangerous " phishing call '' making people feel confident in giving sensitive account info on a phone line to a stranger. Ally has available a secured messaging system to do the same thing but does not initiate contact with the customer using this method nor do they reply to customers that use it. Ally does not allow users to converse via secure chat even though they have a chat button on their website. Ally does not provide a fast and secure method that allow customers to communicate with the bank for problems such as these.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEBT IS MORE THAN XXXX XXXX XXXX AND TOO MANY INACCURACIES EXIST.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

About a month ago I applied online for a credit increase on my credit card. I have never missed a payment or have ever been late. My credit score is XXXX. I did not receive a letter or email of acknowledgement and they did not do a credit check on me, according to my XX/XX/XXXX hard inquiries. Monday, XXXX, I called the credit card company and they told me that I had been rejected and did not give me a reason, and no forthcoming letter arrived. I believe the credit card company is retaliating against me because I had a complaint with affiliated credit card that I also hold.
Product: Checking or savings account

XXXX  XXXX XXXX closed my accounts with out giving me any reason when I called to asked why I was told they did not have to give me a reason. Seeking for answers I received my report from Early Warning and its suspected that there was fraud but instead of XXXX  XXXX XXXX just telling me to try and resolve the matter they closed my account.I had direct deposit going into the account at the time. I have reported fraudulent activity on the account many times. Ive been a victim of identity theft on multiple accounts that were opened with out my knowledge with multiple institutions and have been disputing to clear my name and also my credit. I have been denied by other banks and credit because of what I have found on My Early Warning Consumer Report
Product: Credit card

XXXX transactions from the same retailer were pending and then voided by the retailer. The retailer never received the funds. Almost a week later, American Express still has the funds blocked and held. After numerous phone calls to their customer care team, and being transferred to at least 9 individuals, they said there is nothing they can do and to contact the merchant. After contacting the merchant, they confirmed they do not have the funds and have released the hold back to American Express.
Product: Credit card or prepaid card

Dear sir or Madam : I am writing because I need your assistance seeking a resolution for unauthorized purchases on my American Express Serve Prepaid Card. I loaded {$500.00} XX/XX/XXXX and {$250.00} XX/XX/XXXX to take advantage of the up and coming online discounted merchandise after the Holiday season. I received a Fraud Alert directly to my cell phone XX/XX/XXXX inquiring did I recognize the attempted purchase at XXXX XXXX in the amount of {$170.00} I immediately responded indicating NO in fact, I sent 6 separate messages stating the attempted charge was NOT authorized. That same day XX/XX/XXXX I followed up the text messages with a call to American Express customer service. I explained apparently my card was lost because I did not have it in my possession and I did not attempt to make a recent purchase. The American Express agent advised there was numerous pending transactions on the account but may take a few days to complete. I immediately requested the American Express card to be cancelled. I was informed the card was reported lost, cancelled, a new one would be issued and I would receive a dispute form via email. I just needed to fill out the form accordingly and return within 10 business days. I received the Declaration of Fraud Form via email XX/XX/XXXX. 
I promptly returned the form XX/XX/XXXX answered all pertinent questions, and indicated the following purchases were unauthorized. XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$69.00}, XX/XX/XXXX XXXX # XXXX XXXX XXXX, XXXX amount {$23.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX amount {$34.00}, XX/XX/XXXX XXXX # XXXX XXXX ON amount {$110.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX amount {$63.00}, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX amount {$120.00}. I am requesting unauthorized purchases of {$390.00} including but not limited to Fee for Foreign Transactions in the amount of {$10.00} and any other charges associated with these unauthorized purchases be refunded immediately. The XXXX charge in the amount of {$34.00} on XX/XX/XXXX was a recurring purchase also charged XX/XX/XXXX. I was able to resolve this discrepancy directly with the merchant. I am shocked and appalled American Express would have the audacity to send an electronic letter XX/XX/XXXX indicating and I quote Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized Our financial institution ( s ) have hit absolutely rock bottom Logically am I to think there was a thorough investigation conducted all within 8 hours? Moreover, I reside in XXXX, Iowa USA these unauthorized purchases was in XXXX, YES, XXXX!!! Please assist in resolving this concern. 


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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I recently purchased a home and used a mortgage that is now being serviced by Shellpoint Mortgage. While there has been no fraud or illegal action of any kind, I simply want to complain about the extremely poor level of service and lament the fact that as a mortgage borrower, my options are completely shut down. If I am unhappy with many other financial products, I can do business elsewhere. Now that I am stuck with Shellpoint, I have no choice unless another company buys my loan. 

The poor level of service has to do mainly with their complete lack of communication. On their website, email contact info is provided with a commitment to reply to the email. I 've sent emails on at least XXXX occasions and have received no response in 4 months. Due to my need to follow up, I 've also called to address various things and while I get someone on the phone, when something has n't been done, they simply tell me they do n't know why and escalate the request. 
Today, I asked for a supervisor to just share my experience and was told no one was available. 
Right now, the issue is that I received a late notice from the XXXX for a portion of the tax bill due. I immediately brought this to Shellpoint 's attention around XXXX XXXX, shared with them that the due date was XXXX XXXX and was assured it would be addressed in time. 
Foolishly, I trusted this would happen. I called today XXXX XXXX XXXX ) and was told that it had not been done, was still being reviewed and had no idea why it was still unresolved. Again, my concern about the tax bill would be escalated. 

It would be great if there was some way to take my business elsewhere but I understand that the mortgage market is complicated but how else do we hold a poor servicing accountable?
Product: Credit reporting or other personal consumer reports

Contacted credit reporting agencies and they all have a bankruptcy and credit card reporting on my report that does not belong to me and is not being reported by the creditor or another consumer reporting agency. Company failed to disclose how it appeared on the report and has not removed it from my report. The name does not match and no one is reporting it on the credit report. A bankruptcy is damaging to report once it has been discharged and so is a credit card that doesn't belong to the consumer that was also charged off years ago. These acts directly violate the rights to the consumer under the fair credit reporting act and once proven that the reporting agency is deliberately refusing to remove the inaccurate information.

public record/bankruptcy must match consumer information XXXX XXXX must show credit card contract signed by consumer XXXX must show consumer agreement signed in consumers name I have never signed with either of these companies and have asked reporting agency to provide documents and they have failed to do so. These items must be deleted immediately!
Product: Money transfer, virtual currency, or money service

I was using XXXX money transfer on XX/XX/XXXX and mistakenly used the wrong phone with the write name. Typed XXXX instead of XXXX. 
Wells Fargo said they can't help because the transaction went through. I tried telling them there was an error in the number and the money went to a person I don't know but they said they couldn't reverse the transaction. They expect me to call the person myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has listed for several years a old account from XXXX that was opened up in my name, and unauthorized purchases were made, I demanded XXXX/XXXX to remove and close ... I filled out in XXXX of XXXX a fraud packet, and they closed it ... then they began reporting it to Experian again in XXXX stating that it was a current negative account, 100 % erroneous info ..Experian has yet after 3 years of attempts to remove it, even after I sent them a copy of atty general office of Ohio, their home corporate state, XXXX of XXXX that required XXXX XXXX XXXX/XXXX to remove the account ... they still are reporting it as a recent negative account///absolute fraud this account was closed in XXXX of XXXX ... not recent, and it was closed due to my complaint of fraud ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to file a dispute with Equifax, however the Equifax online portal will not accept supporting document uploads and messages that their service is down. I attempted to call Equifax during the published business hours on the Equifax website. The answering message confirms the operating hours that are published the Equifax website but says the office is closed and to call back during the days/hours in which I am currently calling. The instructions then suggest to mail the following to Equifax to initiate a dispute : SSN, picture of drivers license, all addresses with in the last five years, along with the request. I would never send all of this information in regular mail, however this seems to be the only way to initiate a dispute with Equifax at this time.
Product: Checking or savings account

On XXXX XXXX there was a fraudulent transaction posted on my checking account ending XXXX for the amount of {$8700.00} by XXXX XXXX XXXX XXXX Bank of America and filed a claim on XXXX XXXX XXXX XXXX XXXX. On XX/XX/ Bank of America sent a letter stating they are unable to approve the claim. 

Checking Account XXXX XXXX XXXX XXXX XXXX Bank of America
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unverified Debts on Credit Report by XXXX and Third-Party Debt Collectors Dear Sir/Madam, I am filing a formal complaint against XXXX and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, XXXX has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law. 

Details of the Accounts and Collection Companies : XXXX XXXX XXXX XXXX XXXX$290.00} XXXX XXXX XXXX {$570.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to XXXX and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with XXXX, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, XXXX has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues XXXX XXXX failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ). 
The illegal collection practices by the aforementioned third-party debt collectors attempting to collect debts I do not owe. 
The removal of these accounts from my credit report if proper verification is not provided. 
An investigation into whether these companies have violated federal regulations, including penalties if applicable
Product: Money transfer, virtual currency, or money service

XX/XX/2020. 
Initial Question/Comment : I have been on hold for two hours to my bank Regions, regarding releasing a hold on my account.. I have called back after being cut off and on call again. How can I remain on hold for half a day? How can this be allowed in a so called first world country. This is absurd! 
After numerous calls and getting nowhere, I finally got a agent who suggested going to a branch to try to resolve the issue, as she could do no more than to send me back to hold again for XXXX knows how long again.
Product: Checking or savings account

I hold a checking account with citizen bank which used to be XXXX and recently they have taken {$2000.00} from my account without my consent and my authority and didn't even bother to send me the letter before they took the money out. 
When i called them they said someone from the bank employee in the counter service has deposit the money into my account with an error 1 year ago when it used to be XXXX and now the XXXX was bought in by Citizen bank they took the money out. They money never came into my account and all our banking services, mobile banking, internet banking, ATM services were all closed and i couldn't even verify the trasaction. Now the citizen bank is not listening to it's customer and every weeks it's charging me the service fee of {$30.00} and {$9.00} from my account, which is very unethical and unfair. Please i want you guys to help me out and take the action against the bank. 
Ref : Claim number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$750.00}, {$750.00}, {$12000.00}, {$220.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

-AUTO ACCOUNT- 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$220.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have made many disputes with XXXX over account I didnt recognize and they received my disputes but to only ask the company who made the remarks on my account aka collection companys without proof of said debt was real. I never received any notification or notice from said collection companies of debt or any other information besides they validated my account that I owe with no proof or no paper evidence
Product: Credit reporting, credit repair services, 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 US DEPT OF ED/XXXX XXXX .... Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. . Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Mortgage

Guild Mortgage company has misplaced, rejected and/or refused to credit my mortgage account payments on a timely basis. In addition, they will not respond to my requests for a full accounting of my loan account and escrow account. They do not provide escrow account information with their statements online as promised and required by regulators. 

I have asked that they terminate my escrow account and they won't respond. I have attempted to resolve this ongoing accounting discrepancy for over three weeks and Guild will not cooperate. They have " call centers '' and remote workers who keep avoiding any type of return call or replies to inquiries. 

Before I file litigation, I am attempting to use the help of regulators to force Guild to provide required customer responses. 

Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that tXXXX 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$5700.00} - DATE OPENED XX/XX/year>
Product: Prepaid card

I provided my stepmother a {$100.00} American Express gift card for XXXX. She has tried many times to use it without success. I have tried several times to use it without success at various businesses, including XXXX and XXXX XXXX with a purchase price less than {$100.00}. The magnetic card does not read. I have tried to use it for online purchases ; however, they all decline because there is no expiration date on the card and no name or address that I can use that is tied to the card. I have contacted American Express who is unhelpful and unable to provide the needed information. The representative has told me they will send another card multiple times and I have not received anything nor have I been able to resolve this issue. The representatives simply tell me to " try a different store, '' but that is not helpful as I have tried a number of in-person and online stores without success. I have exhausted all resources and I am extremely disappointed in American Express as it is a reputable company but I do not wish to do business with them any further. I am hoping to receive a refund of my {$100.00} but they will not do that.