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

I was attempting to make a purchase of {$3000.00} but was being prevented from doing so, even though I had {$3200.00} in my account at the time.

Their in-app chat customer service agent told me that I was trying to purchase from a suspicious merchant. This was odd to me, considering that they had already done their due diligence by reaching out to me at the time of the initial attempt to confirm that the transaction was legitimate.

I took them at their word and waited a few hours before retrying as suggested. Upon retrying, the transaction still failed so I contacted their customer service department via phone. This time, I was given a completely different excuse. The customer service agent said that I was attempting to make a purchase which exceeded my daily limit. This prompted me to inquire about my daily limit, which the agent told me was {$2000.00}. I found this SHOCKING
. Ally 's own FAQ section has a question and answer that reads as follows : " Question : Will my Ally debit card have limits?

Answer : Yes. During the first 30 days, you can use your debit card to make up to {$2000.00} in purchases and {$1000.00} in ATM withdrawals per day. After 30 days, your daily spending limit will be {$5000.00}, and {$1000.00} for an ATM withdrawal. If you have special circumstances and know you'll exceed this amount, call us
in advance at XXXX to set up a one-time, extended limit. '' I have been an Ally customer for well in excess of the 30-day timeframe mentioned in the excerpt above. I brought this up to the customer service agent who then placed me on hold while he allegedly " tried to solve the issue ''. In hindsight, I believe that his intention was for me to grow impatient and hang up the phone.

The agent later came back on the phone and expressed that he reviewed my information with his supervisor and realized that my daily spending limit is actually {$5000.00}.

I persistently remained on the line, only to be told at the end of this hour-long phone call that I was not able to use the funds in my account to make the purchase that I was trying to make, but I should wait for " a while '' before retrying again.

The agent returned with yet another alternate explanation. " It wasn't Ally 's fault that the transaction is being blocked. It is XXXX. They have identified security risks with the merchant. '' At the time of making this complaint, I am still on hold, waiting to be connected to the aforementioned agent 's supervisor.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiry mentioned below was the source of the credit request. On the other hand, I did not authorize this inquiry. I'm sending this to dispute this inquiry and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021
Product: Debt collection

I  XXXX   XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in th e Commonwealth of M assachusetts. In addition, the account balance in question was a corporate account with   XXXX   XXXX   XXXX   that was settled through one of my corporations back in  XXXX . The account dates all the way back to  XXXX , and the matter does not apply to me personally. This organization known  as LTD Financial Services, L. P. I re alize that this company  may  be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with   XXXX   XXXX   XXXX   back in  XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed.  LTD Financial Services L. P.  acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not onl y LTD Financial Services, L.P. , but by   XXXX   XXXX   XXXX   as well. This account information and any reference to  XXXX   XXXX  has no personal connection and needs to be purged permanently.  LTD Financial Services L. P. i s in strict violation of my rights under the Fair Debt Collection Practices Act and  Commonwealth of M assachusetts  General Law.
Product: Credit reporting or other personal consumer reports

experian- XXXX XXXX XXXX experian is showing lates on this account this account is not a personal account and is a business account- the account is a direct violation of FCRA 15 USC 1666 ( b ) XXXX experian is reporting lates on this account which is a doirect violation of the FCRA 15 USC 1666 ( b ) both of these accounts should be removed per FCRA
Product: Credit reporting

XXXX XXXX says I owe the {$450.00} but I have no idea what they are rwfering to. Now that I have spoken to them it says on my credit reports that I dispute it, but its still on there. Please remove ASAP.
Product: Credit card or prepaid card

Someone got a hold of my personal information in XXXX of XXXX. They applied for several credit cards. I disputed the accounts. I was able to get all of them closed and removed from my credit report by around the end of XXXX. However, a credit card account from COMENITYCAPITALXXXX reappeared on my credit report with a lower charge limit in XXXX of XXXX. I disputed the account again. This dispute resulted in XXXX verifying the account information as accurate. I don't know how that is possible. I did not open this account. 
I called COMENITYCAPITALXXXX in XXXX of XXXX and informed them that I had not opened this account. Supposedly, they closed the account. They also sent paperwork for me to fill out to verify that I did not authorize the account and to have it removed from my report. Admittingly, I did not complete the requested paperwork. To my knowledge, they had closed the account and it was already removed from my report at the time. Again, the account has reappeared. It is currently showing a {$0.00} balance. I would like to have the account permanently closed and removed before any charges are made. 
Page 5 asks if the credit card has the same billing address as my mailing address. I do not believe it does. The company representative stated they have another address on file. I do not know the address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXXXXXX XXXX {$470.00} XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} XX/XX/XXXXXXXX  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I got a XXXX XXXX XXXX leased vehicle from XXXX XXXX XXXX XXXX. The price listed was for XXXX, the dealership said I was approved by Autotrakk leasing company. After getting home I got a call from a representative from Autotrakk telling me the cost of the vehicle which was now {$28000.00} I told the representative the price was incorrect. The representative said well that 's what you signed for a there is nothing I can do because the car is in my possession. The dealership would not return my calls or except the car back. After leasing the vehicle for 2 years I was unable to keep up with the payments. Autotrakk repossessed the car and sold it, and is reporting a negative of {$16000.00} on my credit report.
Product: Credit reporting or other personal consumer reports

I recently requested an investigation into my credit report for an account listed as XXXX XXXX XXXX acct # XXXX. I submitted my compliant through the CFPB and the company has failed to even respond with any evidence against me. According to 15 USC 1692g ( b ) states that the creditor must respond with evidence for the alleged debt they are furnishing on my report. It is against federal law for your organization to continue reporting this inaccurate information without verification. I am in the process of getting a home for my family and this account is causing extreme damage to my overall creditworthiness.
Product: Student loan

Subject : Dispute of Late Payment and Request for Correction To Whom It May Concern, I am writing to dispute a late payment that has been reported on my account as follows : Account Number : XXXX I believe this late payment is being reported incorrectly and I am requesting that it be promptly corrected. My dispute is based on the following points : Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) under 603, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Late payments, being transactions, should accurately reflect the actual timing of payment and not include erroneous late payment notations that misrepresent my payment history. 
Nonpublic Information and Violation My nonpublic information, which includes the timing of payments, must be accurately reported by the creditor. Failure to do so constitutes a violation of the FCRA and negatively impacts my creditworthiness and financial reputation. 
Timing of Payments ( 15 U.S. Code 1666b ) Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment is received by the creditor in accordance with the creditor 's payment instructions. 
Request for Correction Given the inaccuracies and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Correct the payment history on my account to accurately reflect the timely nature of my payments. 
Remove any late payment notations from my credit report associated with this account. 
Provide written confirmation that these corrections have been made. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within XXXX  days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax, XXXX, XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax, XXXX, and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation for Account XXXX This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX, and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX, and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report Also how are they even reporting this on my report when the information reporting is inaccurate. Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation and once again needs to be DELETED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

After reviewing the credit profile on XXXX, Jefferson Capital continues to furnish a collection from XXXX XXXX. Made several attempts to contest to contract and validate the signature.
Product: Consumer Loan

My account with GM has a XXXX balance and is paid off as of XXXX. Due to the was its being reported it is hurting my credit score greatly. It was opened in XXXX and was offered a settlement to pay the vehicle off in XXXX and accepted it.
Product: Credit card

On XX/XX/year> I requested chase bank dispute a charge on my credit card according to the terms on their website that states dissatisfied with a product or service. I was conned into paying an exorbitant amount upfront, before receiving the documents to sign stating no refunds from the merchant. I shared this information, along with other evidence of the merchants poor conduct, and Chase refused to consider or refund the charge. The merchant gave nothing other than that they have a no refund policy, which they are honoring. I believe they are not protecting me as a card holder, and did not do their due diligence understanding the situation.
Product: Mortgage

We have been in an active short sale since XX/XX/XXXX. When Selene Finance LP became my new Servicer of my mortgage we requested who my single point of contact was. We call over 50 times between myself and my Realtor without any success. Finally, on XX/XX/XXXX of XXXX, we were assigned a Single point of contact. 

We have an all-cash offer on the property. Now that we are finally working with the underwriter to move this to a closing Selene Finance sets a date for a foreclosure. In the state of TN, the servicer MUST notify the homeowner that the sale date has been set via regular mail and certified with a signed receipt. I never received anything. Even when I called Selene Finance and told them they broke TN law by not sending me the letter of the sale date. Please show me proof that XXXX or XXXX sent this letter to my house. Even show me the sticker they would place on my door saying they will try again. No proof this sale date letter from XXXX XXXX XXXX was ever sent out. This law firm is notorious in the state of TN for these illegal tactics. 

Now I am requesting a QWR RESPA TILA because of the matter.
Product: Vehicle loan or lease

Tidewater Motor Credit charged off loan in XXXX. There has been no activity on this account since XX/XX/XXXX. No contact has been made since XXXX. In XX/XX/XXXX they noted my account at being 90 days past due from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, the noted the account as not report.
Product: Credit card or prepaid card

On XX/XX/2023, I noticed 2 charges on my chime XXXX account, I did not authorize. At the time the charges were pending, I immediately contacted chime and asked them to dispute the charges. Chime advised me to wait until the transaction clears and they could then dispute the transaction. On XX/XX/2023, the charges cleared and I opened a dispute. The amount taken from my account was {$1800.00} on one transaction and {$20.00} on another transaction. Within 8 hours of disputing the transaction chime denied my dispute. I filed a police report, I contacted the XXXX  and filed a report. I contacted the merchant and asked them to refund the charges. All of this information was provided to chime. The claim id was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my PORTFOLIO. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2023 to Experian. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they talked to? 
How did they complete this investigation?
Product: Credit reporting or other personal consumer reports

These accounts were wrongfully added to my consumer report, I have proof of no lien from any of these companies from the secretary of State via UCC11. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The trust account was closed due to my brother 's death. The money came to me, and I was give a temporary K-1 and could not file my 2022 taxes, so I had to file an extension. I was told that the final K-1 would be REQUIRED to be mailed to me by XXXX XXXX. I have been waiting on this since last XX/XX/XXXX. 

I have kept in touch with the trust officer in charge, but I usually do not receive an email in return. The last contact was XX/XX/XXXX or so. I had to copy the trust officer 's boss to get a response. At this point, he said he was sending the info to the tax preparer to get me my K-1. 

What this means it that NOTHING was done since XX/XX/XXXX to create a final K-1. The only way it was finally sent was when I requested again. This make Regions NOT IN COMPLIANCE with IRS regulation since this form was due XXXX XXXX. 

My life and taxes have been totally ON HOLD, waiting for this form for 5 months, and nothing was done at all.
Product: Credit card

I affirm that the presence of incorrectly reported late payment remarks on my accounts is a violation of XXXX XXXX XXXX. Each payment linked to these accounts has been promptly submitted, and any deviation from this accurate reporting is unjust and unlawful.
Product: Checking or savings account

I deposited my XXXX  XXXX  check of XXXX dollars and XXXX cash into the atm. BB & T decided to hold all of the funds for 7 business and charged my account {$72.00} dollars in overdraft fees. They held my cash and did not even make it available. I went in to the branch and they reversed {$38.00} dollars. I 100 % believe this was not legal and I want all penalties reversed and returned to me.
Product: Payday loan, title loan, or personal loan

I gotten a loan with Regional Finance in XX/XX/XXXX. I was making payments on time until I lost my job XXXX due to covid. I was months before I stated receiving unemployment due to my job closing down no one could reach anyone to verify I was laid off. Regional calls my phone day and and day out. I have try to make agreements, I have try to ask could they lower my payments being I'm on a very low income now with unemployment than what I was making on my job. They wont do anything but an deferral which is still causing me to be behind. I have XXXX children ages XXXX, XXXX, and XXXX. I loss my home and my car in a matter of months. The last thing I need is for them to keep calling me adding more stress. I made a payment for XXXX on today XX/XX/XXXX and they call me asking for another payment for XXXX today. I have explain my situation to everyone in that office and at this point I wan na just change my number and don't pay at all. Take me to court or do what you got to do. I have nothing, because they are aggravating and I'm doing the best I can. They act like they understand and they care but they really don't. calling me early in the morning and all day long. XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are all getting on my last nerves!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCT XXXX XXXX DATE OPEN : XX/XX/year> {$0.00} ... ... ... ... .Reported late in the past but i was never late.