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

I am writing to formally lodge a complaint regarding Ally Bank and their handling of my debit card during a recent name change process. Their actions have left me without access to my primary means of payment for over seven business days, which I believe constitutes unacceptable business practices. 

Here is a summary of the issue : On XX/XX/year>, Ally Bank informed me that my debit card had been canceled as part of updating my account with my new last name. This cancellation was done without prior notification or consent. 

I only became aware that the card had been canceled after attempting to use it at a store and contacting Ally Bank to find out why it wasnt working. 

I was informed that a new debit card was " produced '' on XX/XX/XXXX, but as of today, XX/XX/year>, I have not received it. 

During this time, I have contacted Ally Bank on four separate occasions to seek assistance. Each time, I received no meaningful support or resolution. I have been left without a functioning debit card or any reasonable alternative for accessing my funds. 

The lack of communication, failure to provide timely access to my funds, and insufficient customer support are deeply troubling. Such practices create unnecessary hardship and inconvenience for customers and undermine trust in the financial system. 

I am seeking your guidance and intervention to ensure that Ally Bank is held accountable for this incident and to encourage them to improve their processes for notifying and supporting customers. Additionally, I request that they : 1. Expedite the delivery of my new debit card.

2. Provide a full explanation of why this issue occurred.

3. Take measures to prevent similar incidents from happening to other customers in the future. 

I appreciate your attention to this matter and look forward to your response. If further information or documentation is needed, please feel free to contact me.
Product: Credit card

received statement from Citibank regarding complaint XXXX it addresses the XXXX XXXX on XXXX/XXXX/XXXX it claims no documents were sent that is invalid, they were sent and they declined ; XXXX additional circumstances were also filed XXXX XX/XX/XXXX XXXX another XXXX XXXX another XXXX XXXX, Citibank declined to honor all credit protection, the had adjusted payments from XXXX to XXXX which were to be XXXX interest, they once again refused any adjustments, bringing account down to $ XXXX then offering to adjust to zero interest, I had no income and they refused all three situations when I had been paying for credit protection ; the minimum fees acquired for 5 year period exceeded {$7000.00} ; it was challenged once again when it was discovered on credit report, they answered the complaint that they had tried to work with me and that I was in default and that it was sold. the account was closed in XXXX XXXX, it has been reported by XXXX on my credit report since XXXX and is still being reported ; both Citibank and XXXX have increased the balances due, I have had to spend monies for legal fees to fight this, a senior now on a fixed income, XXXX has refused to adjust balance, Citibank has passed it on too XXXX stating it is no longer their issue.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate these claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns as a consumer.
Product: Debt collection

The collection agency XXXX XXXX XXXX is damaging my credit report stating I owe for medical bills. I do not have a contract with them at all.. I sent out a validation letter on XXXX XXXX 2017 asking for verification/validation ... They sent me a letter stating the debt was validated but sent no proof or invoice..I sent out another letter asking for validation with a invoice and have yet to receive a response ... Due to the HIPAA law my rights were violated ... I never agreed for a third party or any party to have access to my information ... therefore this collection agency needs to be removed off my credit report ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to all three credit reporting agencies requesting that the Bankruptcies that are reported on my account should be remove do to the fact the the federal courts do not report any of this information to them. They receive this information through a third party. Upon ordering a copy of my credit report, I see two entries listing Bankruptcy Chapter # XXXX   one in XX/XX/XXXX and one in XX/XX/XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.. 

I have sent three letter to the credit agencies and have never received anything back again under the FCRA they must send validation with in thirty days of the dates of the letters. I have also call the credit agencies and still do not know if the have put a dispute on the account because they have not told me but I do know that they have not removed the Bankruptcies Chapter # XXXX. Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate.. The agencies have found information on bankruptcys through third-party research. 
I would like to have the name of the person that has worked this case and copies of letters they have sent me. Because I have the copies of letters Ive sent then but no reply but a copy of the credit report Dated XX/XX/XXXX.
Product: Mortgage

A payoff check was received by GreenTree on XXXX/XXXX/15. Not sure how Greentree applied the funds but the customer service rep explained that the interest should be over {$600.00} and the payoff date should be XXXX XXXX. Should n't Greentree payoff the loan upon receipt of the funds and not wait for XX/XX/XXXX and incurr more interest. I have attached a statement showing the loan balance as of XXXX XXXX, 2015 along with the rate.
Product: Debt collection

I'm contacting the Consumer Financial Protection Bureau regarding a collection account that's on my XXXX Credit Report. The collection agency is Genesis Credit Management. They recently posted a collection on my XXXX credit file that has false information regarding a rental debt from an apartment complex. I remember the debt with the apartment complex from XXXX. A collection agency immediately started calling me to settle the debt in XXXX  of XXXX. We came to a verbal settlement over the phone, however, they would not agree to put the settlement in writing. So I told them I would not pay the debt without having an agreement in writing. Fast forward to a few months ago, I started getting frequent collection calls from Genesis Credit Management demanding payment for this debt. And last month, XX/XX/XXXX, Genesis has put the collection account on my XXXX XXXX XXXX with false information. On the XXXX Credit Report, the collection is listed as opened " XX/XX/XXXX '' ; this date is incorrect. The debt was first owed on XX/XX/XXXX. I also do not agree with the amount of the debt, {$4700.00}. This amount has been inflated from the original amount owed.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a XXXX XXXX XXXX XXXX Credit Card Payment in the amount of {$300.00} at XXXX XXXX XXXX # XXXX Operator ID : XXXX. The amount I paid for the XXXX XXXX was {$8.00} for next business day payment. XXXX XXXX was suppose the get the funds next business day. On XX/XX/XXXX I received another credit card statement stating that I made the payment late and that I'm being assessed a late payment fee of {$27.00} and interest of {$5.00}. I called XXXX XXXX on XX/XX/XXXX talked with XXXX Operator ID XXXX @ XXXX and he stated that the funds sent out XXXX on XXXX XXXX XXXX did not accept the payment until XXXX and posted the funds on the account XX/XX/XXXX, therefor causing my final credit card payment late. XXXX refuses to reverse the late payments and I have evidence that the dates don't coincide to when that payment was made. XXXX XXXX is aware as so as XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing 8 late payments displaying 90+ days at the end of the auto loan on my XXXX XXXX XXXX XXXX XXXX account, reported on my credit reports. I have attempted to contact XXXX multiple times by phone, but their automated system states they have no record of my account and does not allow me to speak with a representative. 

XXXX : XXXX - XXXX 2022 XXXX : XXXX - XXXX 2022 *Please see 3-bureau credit report attached. 

I disputed these inaccurate late payments with XXXX, but they simply added a dispute notation and claimed XXXX confirmed them. This is unverifiable data. XXXX can not confirm an account they have no record of, and the Fair Credit Reporting Act ( FCRA ) requires that all reported data be accurate and verifiable ( 15 USC 1681 ). 

Since XXXX is failing to verify or even acknowledge my account exists, these late payments must be removed immediately as they are blocking my access to credit. I am unable to secure an auto lease because of these inaccurate late payments. Please investigate and force XXXX to either properly verify the data or delete it. ''
Product: Credit card or prepaid card

Transaction from XXXX XXXX were made on our credit card without permission in XX/XX/2020. Since then I've submitted appeals to the fraud case every month to get Chase to realize we never granted permission to this company. 

In a detailed letter we shared the FBI agent 's contact info to confirm this with them.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Product: Student loan

In approximately XX/XX/XXXX, I consolidated my Stafford Loans with Fedloan. I have been paying my loan repayments on auto pay with my bank account ever since. I never missed or was late on one payment. I set up my auto pay to pay {$110.00} per two weeks to the sum of the minimum due ( {$220.00} ) per  month. I never received any notification of any changes to my account. In XXXX of XXXX, I reviewed my payment history and the amounts of money being disbursed by Fedloan to the Principal and Interest. To my disbelief, I noted that several months the full payment went to interest only and {$0.00} to principal. I called Fedloan to inquire as to why my principal was not going down even after paying ahead on some months and never less than the minimum required. I was told my minimum payment went up ( $ XXXX ) which I was never made aware of, nor believe is possible or legal. I added to my auto pay to make my biweekly payments {$150.00} per two weeks a total of {$300.00} per month or greater where twice a year there are moths with 5 weeks and 3 pay days. I even sent in an extra {$300.00} in XXXX of XXXX to make sure I was ahead on payments. 

On XX/XX/XXXX, I called Fedloan again as I found more transactions where {$0.00} of my payments were applied to my principal. I spoke to over 4 different people who treated me very poorly and as though I was ignorant and bothering them. Finally, I spoke to XXXX ( XXXX ). XXXX reviewed my transactions with me while I was on the phone. I used the XXXX spreadsheet to give XXXX the exact dates of my {$0.00} applied to principal. Finally, XXXX understood my concern and told me, this will go to Service Recovery Department and It is notated in the review status my concerns. I was told by XXXX that I would be contacted within a week. Here it is nearly 1 month later, and I still have no answer as to why I make the full payment and even more than the minimum payment and yet {$0.00} goes to interest. 

I will attach the spread sheet which I downloaded directly from Fedloan. Additionally, here are the dates of my questioning : ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX ). It should also be noted that many months greater than 90 % of my payment went to interest while the remaining 10 % went to principal. There were almost 60 months were less than {$12.00} went to principal per payment made. 

Again, my question which still has not been answered is as follows : how can I make the minimum or greater payments per month, be ahead on payments, and still have several months worth of payment which {$0.00} was applied to principal? I would be grateful if this can be answered and investigated.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I disputed unverified, unauthorized, and fraud related inquiries listed on my Transunion credit report. The inquiries are in violation of 15 USC 1681b permissible. I did not give permission for the following creditors to pull my credit report : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I have sent letters several times to Transunion to dispute the unauthorized inquiries and as of today XX/XX/2023, the unauthorized inquiries are still on my credit report.
Product: Credit reporting or other personal consumer reports

I was interested in the company called SELF. They are a rent/bills reporting agency. I am brand new to credit and Ive seen them advertising offers to boost credit scores by reporting rent and bills. After signing up, few days later I see that my credit score dropped by XXXX points!!!! I would have NEVER signed up for them if it was clear that I would suffer a decrease to my credit score. Months have passed and I continue to use them in hopes that it will actually boost my score again, until this day, it has not. I try contacting them and I am going around in circles. I just want the negative credit hit to be removed from my report please
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigational results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for propose.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PIl ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above. Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and deletion of my Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to hacking, account tampering and wrongful death and stolen paperwork and problems recieving mail due to victims report making me undiscoverable under XXXX XXXX and XXXX XXXX and the XXXX XXXX I have had troubles with recieving mail and funds in my name on several banking sites and missing XXXX Address changes and affidavits are being put in without consent. And the location I recieve mail from lies to me about recieving mail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of this issue and XXXX XXXX that were lost or handed out to the wrong people. I don't have any case management or care takers just in case this Is being said posing any issues. 
XXXX XXXX Capitol one These are all bank account that someone has set up with out my knowledge and could be stealing my funds My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is a person using his identity but my father does have consent due to a wrongful death experience