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

I have been banking with BBVA for about a year. There is a internal transfer every month from my checking to my savings it is never on the exact date. So I am left with a negative balance in my checking account. I then immediately deposit the money into my checking account to avoid an insufficient funds fee. However the next business day I always see a {$38.00} insufficient funds fee even though I have already deposited the money the day before. I usually contact the bank and get this issue rectified however today XX/XX/2021 I did call the call center spoke to a representative they informed me that this fee is correct and theres nothing that can be done. I then asked for a supervisor he rebuttal that the supervisor would provide the same information. I insisted on speaking to a supervisor he then informed me that the supervisor is not available that I will receive a call back not with a specific time frame. This is an ongoing issue that happens every month and I feel needs to be looked into. These are deceptive practices and unlawful commerce.
Product: Debt collection

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by XXXX immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Checking or savings account

Over the past 2 years I have experienced multiple instances of fraud on my account and consistently receive differing stories on how to resolve the issues. 

XXXX I received a text message and call from Ally Bank 's phone number ( the number that matches the back of my card ) to confirm if I had authorized a set of recent transactions, I had not so I followed the automated system to press 1 to speak to a representative. At one point the call is disconnected. I call Ally Bank back, they have no record of the transaction and indicate it was a fraudster calling. They then get me over to the fraud group and we put my XXXX payments on hold as someone was trying to send money to themselves. They then get me setup on a new card, cancelled my old one, and advise I should call Ally Bank directly next time I have any issues. They assume me that no valid XXXX transactions will be impacted by this. 

XXXX I was sent an incoming XXXX transaction that was declined with no notification to me or the sender. 

XXXX called Ally and they not only told me there was no issue, but then discovered there was a hold which they refused to remove and wouldn't give me a timeframe. 

XXXX The hold was successfully removed. Now, during this process outside of calling no actions were required on my end. 

XXXX More fraud on my accounts, my debit card is closed and they are resending me another card. Never had to do anything but speak with Ally over the phone. 

XXXX I get a text asking if I authorized a transaction, to which I reply " No. '' This prompted a call from Ally bank which I disconnected given my previous encounter. I then called the bank back and they said " The fastest way to resolve would have been to accept the incoming call. '' Then proceed to tell me that they will send me a new card but I have to wait until the fraudulent transactions post then dispute them myself. I have NEVER had to do that, not ever. Then I asked to speak with a supervisor who said she has been with the company 10 years and it's always been in the deposit agreement, yet again earlier this year when I had this happen I didn't have to file any disputes. 

I do not feel Ally is doing what they can to protect or educate customers, this is the 3rd time in a year that my card has had fraud, I've never had this many issues with a bank before and it has only began being an issue in the past 2 years or so. Their customer service isn't educated on what actually will happen or the processes, they don't provide accurate information, and I am entirely dissatisfied with their approach to protecting customers.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX  XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Money transfer, virtual currency, or money service

When money 's wasn't released, or transfers wasn't completed. I attempted to make several calls to speak to an operator. 
But that didn't take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # 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
Product: Debt collection

I received a letter from Jefferson Capital LLC stating that I owe XXXX XXXX and the amount owed is {$56.00}. I have never had XXXX XXXX  XXXX  a day in my entire life. I tried to call and explain that to them. They kept asking me for my social security number. I asked them how did they obtain my personal information and they didnt answer me. The fake account # is XXXX and the reference # is XXXX. Im distraught because I know this is fraud! Please help! I dont know how they got my personal information. This is not my account
Product: Checking or savings account

On XX/XX/2023 I deposit a check through mobile deposit online it clear on XX/XX/23 and I have a available balance so I have 3 account at capital one savings account 2 checking account every month since XXXX money grow interest ever months since XXXX until today
Product: Payday loan, title loan, or personal loan

I have filled out 3 separate Hardship applications and still awaiting a solution. Yet they have negatively put this on my credit knowing the hardship. I have called daily to find out what is going on and to see if we have a resolution. But have received no feedback. I last communicated with XXXX and transmitted all the requested documents that apply to my circumstances. I asked If there's anyone that can provide me the status of the application as this is now reporting negatively on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I went through Pay Pal to make the final payment on a work of art jewellery XXXX from XXXX XXXX plus shipping final payment is XXXX which they have put on hold because they want my selling information such as shipping and delays info on my products. I do not sell any items ship or otherwise-I have told them at pay pal PayPal , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX many times I can not make them understand, customer service tells me that they can do nothing until I submit what they want And I Can not, I Do Not Sell on pay pal!!! the records on my account show only outgoing payments no inbound- can they not read? this is harassment! I want that payment sent. this is what they send me and I tell them I do not sell on pay pal You can include the following info as notes to help us understand your account activity better. 
A detailed description of the items you've sold. 
How you ship your products including information on delays. 
Any information on the products you sell and how you sell them. 
Transaction Amount : {$XXXX} Transaction ID XXXX Date of Transaction : XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company several times and asked that this information be removed from my credit. This account is current and my parents have taken over this account. It was not filed in a Chapter XXXX bankruptcy. It was filed in a Chapter XXXX and my parents took over the account and it is current.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was notified by me over phone communication that I dont want my personal information shared with affiliates or non affiliated parties. Then then sent me my Opt Out disclosure form which I fax in and they received. But they are still sharing my info with CRAs after I stated I want to limit the sharing of my information. Also I never sent them any certified permissible purpose stating I would want my reports shared in the first place pursuant 15 USC 1681b. They also fail to comply with 15 USC 6802 with respect to Opt Out of sharing my non public personal info.
Product: Payday loan, title loan, or personal loan

They have yet to fix the overdraft charges they caused by running a check on the wrong account. They did not look at the check they had. Went to location in XXXX KS, made the payment with a check. The person did not look at the check in there hands, and used my other account instead of the one that they had the check for. This caused me to accure overdraft charges since it was not supposed to come out of that account. Talked to the person and took in the check to show them there error and was just brushed off. Also called corporate office and was basically brushed off there. I am going to be paying off the account but don't want to because they owe me money for their mistake. It has now been almost two months since this has happened and nothing has been done other than me getting the run around. I will never do business with this company again as they do not know what customer service means. Nor do they understand simple accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent LexisNexis a certified letter on XX/XX/2022, requesting information which I have yet to receive a response. LexisNexis is in violation of my rights as a Federally Protected Consumer!
Product: Debt collection

Sometime around XXXX of last year I received a call stating that this person was a debt collector attempting to collect debt called me. He stated that if I didnt pay they would put it on my credit and I wouldnt be able to rent or find anywhere to live. He said I would be living with mommy or daddy for a long time I do not recall him ever stating his name. Also Ive been monitoring my credit and with this company the price keeps rising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect historical data on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/year> Re Acct # : XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a notarized letter to XXXX directing them to remove all old address, incorrect name, and outdated telephone numbers from my credit file. I included with the letter, documentation to prove my identity as well as to coincide with the request in question. I contacted the XXXX Police Department on XX/XX/2024 about a case of identity theft at the address listed on my request to XXXX and a report was created for identity theft. I followed all proper procedures and policies to get XXXX to remove the old ( outdated ), inaccurrate, incorrect, and fraudalent information from my credit profile ; but to no avail. The fraudalent information is still listed on my credit file and is causing me undue harm and financial hardship. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. section 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). My identity was compromised in the XXXX data breach, and its the ( CRAs ) responsibility to correct erroneous errors which cause harm to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 

Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always monitor my credit score. On XX/XX/XXXX it was XXXX and on XX/XX/XXXX it dropped to XXXX for no reason whatso ever. 
I am XXXXXXXX XXXX XXXXXXXX own my home free and clear and have XXXX debt. I pay the balance on my credit card on time with XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of Education # XXXX Us Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction.

Please delete these accounts from my report.
Product: Checking or savings account

I had a savings, checking, and credit builder acct with Chime and had my unemployment being direct deposited. Last week a day before my deposit was set to post Chime froze and then closed my acct without any explanation and refuses to return my money. I had {$240.00} in my savings and then I had my direct deposit of {$200.00} & {$300.00} put into my checking and credit builder Acct
Product: Mortgage

***LOAN FRAUD BY CURRENT USAA EMPLOYEE******NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX  YEAR OLD VICTIMS**** ***XXXX XXXX AND XXXX ( WHO XXXX XXXX   SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** XXXX IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT XXXX   ( XXXX XXXX NOW WORKS FOR USAA AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX   ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT XXXX XXXX, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Money transfer, virtual currency, or money service

I called Ally Bank, they instructed me on how to wire money to XXXX XXXX XXXX on XX/XX/2020. I paid for an exact payoff quote from XXXX XXXX for XX/XX/2020 and sent that amount via wire at Ally Bank. I watched my bank account all day. I called in the evening and was told it would be sent by the close of business today. It was not sent. I called in the morning still not sent. I called XX/XX/2020 to inform them that the amount of the wire is insufficient to cover the cost of the loan payoff, they told me if I change the amount they would have to delay the wire another day or two.It has been 25 hours since I scheduled this wire and the money has not been sent.