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

Ally Bank will not allow me to access my online banking and they have de-activated my debit card. They are holding my money XXXX while they investigate a " fraud complaint '' that they initiated. I called customer service on XX/XX/2021 because I could not access my account online, and my debit card was not working, even though there was not a freeze on the card. The fraud division at Ally refused to give me information on my account ( the balance of the account and recent transactions ) and would not allow me to move the money in my personal checking account at Ally to my personal checking account at XXXX ( which I just opened ) so that I could access my money to pay my rent on XXXX. I had direct deposit set up through my employer, so essentially Ally Bank is holding my money without giving me any information. I was told was that when the investigation was over, Ally Bank would close my account and mail me a check for the remainder of my balance, if there was a remainder. I should be allowed access to my banking account, and be able to see my entire transaction history, and be fully aware of what Ally is doing and why. Ally Bank should not be allowed to deny me access to my money, in my personal checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because TransUnion is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. 

This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

They charged me for credit monitoring that I never accepted to paying for. They said they needed my debit card to verify my identity but never stated I would be charged and signed up for their subscription. 

Product TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2020 - XX/XX/2020 Price Sales Tax {$24.00} {$1.00} TOTAL {$25.00} Payment Method Amount Billed creditCard {$25.00}
Product: Debt collection

I owed an amount much less that what this company is saying which is XXXX XXXX AND NOW THEY HAVE A THIRD PARTY ON ME XXXX XXXX  SENDING ME LETTERS AN CALLING BACK TO BACK. They have added alot of extra interest Plus money onto my last bill .please guide me in what to do Now. Ty
Product: Credit card or prepaid card

several years back we were informed that I XXXX XXXX had a credit card with Barclays at that time I notified Barclays and informed them this was not my account. They had informed me back then that they would close the account and look into it. While we were purchasing our home it came up as a charge off. I notified them again indicating that it is not my card. They were to send me paperwork to fill out and they didn't. to be honest it had totally slipped my mind. Here I am applying for a loan, and it is still on my credit report as a charge off however it is not my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$81.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}
Product: Credit reporting or other personal consumer reports

I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.
Product: Checking or savings account

Bank of America closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. Bank of America have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the XXXX XXXX act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for over XXXX years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accountable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Product: Debt collection

continuous calls to my employer a letter via fax to my supervisor with a demand for payment through payroll deduction
Product: Credit reporting, credit repair services, or other personal consumer reports

Tracking number XXXX Account was sold to debit collectors without my knowledge and consent. My rights were violated. As result request for deletion on credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX  and Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15, a creditor is not supposed to report any payment as late
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : Transunion : " XXXX XXXX XXXX '' XXXX : " XXXX XXXX XXXX '' XXXX XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Mortgage

I have been with this mortgage company, Newrez LLC, DBA Shellpoint Mortgage Servicing XXXXXXXX XXXX XXXXXXXX for barely a month and this has already been the worst experience of my entire homeowners life, not to mention the forever-nasty encounters with the rudest Customer Service Reps ever .

This company has had many lawsuits for deceptive practices and should be under continuous review for it because it is truly unacceptable. 

On XX/XX/XXXX, Shellpoint placed Wind Insurance on my account though I already had wind insurance in place. My wind policy at that time was effective XX/XX/XXXX to XX/XX/XXXX, and I uploaded that policy to them many times. It has now been renewed to XX/XX/XXXX. 

After many phone calls, I received a letter on XX/XX/XXXX, stating that the Lender Placed Wind Insurance was cancelled effective XX/XX/XXXX. However, they still haven't fixed my account or allowed me to pay my XXXX and XXXX payment. They also attempted to pay my Homeowners insurance policy, which was current with effective dates of XX/XX/XXXX to XX/XX/XXXX, and then renewed for XX/XX/XXXX to XX/XX/XXXX. NOW, they are attempting to force Escrow on my account.

I would like you to know that I have been in my home since XXXX and I have NEVER had an ESCROW account. On the day that I bought my home, I signed a contract with the bank that I would pay taxes and insurance separately and I have. Now, this NEW Servicer of my loan is trying to change the contract as well as do anything possible to force an Escrow account on an account that is paid in full. 

A printout of the Shellpoint transactions from XX/XX/XXXX, to present show the following : Date Transaction Type XX/XX/XXXX - {$5100.00} Escrow Disbursement Co-op no insurance required XX/XX/XXXX {$4000.00} Refund co-op no insurance required XX/XX/XXXX {$1000.00} Refund co-op no insurance required XX/XX/XXXX - {$3100.00} Escrow Disbursement Windstorm/Hail/Hurricane XX/XX/XXXX {$1300.00} Electronic Payment-Autopost and on and XXXX XXXX What the heck is this??? It seems that there is someone or a LOT of someone's in the Escrow and/or Insurance Department that are very incompetent and predatory and are trying to see what they can force on the consumer and get away with it. 

In addition to all this, they will not let me make my monthly payment for XXXX and now XXXX unless I pay {$1900.00} per month to cover what they say they have Escrowed and what they want to Escrow for the future and I HAVE NEVER ESCROWED and MY BILLS ARE PAID.

Today the Rep told me to just pay the {$1900.00} per month for the next 3 months because that is how long it will take for Escrow to review my account. Are you serious? How can you tell an XXXX  person on a fixed income to pay XXXX XXXX times what they signed up for as in " contract '' and to triple pay their insurance and taxes for the next 3 months. 

I have been calling daily and at times, several times a day. I want someone to review my account right away and remove the crazy Escrow that I shouldn't have and allow me to pay my payments.
Product: Vehicle loan or lease

contract date XX/XX/XXXX year XXXX term XXXX XXXX APR 15.2 payment amount {$700.00} amount financed {$32000.00} original finance charge {$17000.00} note amount {$50000.00} The problem is as follows : I made a large payment about four times. I asked them to pay the extra money towards principal. That was never done. i asked them to adjust the extra money and they refused. as you can see it states 15.2 per cent annually, however I found out that I also pay {$15.00} per day which equals {$32000.00} on top of the interest. This is a predatory loan and that amount was never stated when the car was financed. I am asking for the {$15.00}. per day to be credited to my account and taken of the life of the loan because it is predatory.
Product: Debt collection

I started keeping a log of phone calls on XXXX XXXX, 2015 and this company ( Midland Credit XXXX ) has called XXXX time up to XXXX XXXX. Calling repeatedly starting as early XXXX. Calling repeatedly within an hours time. When you answer the phone they do not always speak. They have repeatedly been asked not to call and also written notice when they sent a collection letter as the debit is over 13 years old and was paid in a debit consolidation over 8 years ago. When they have called while I was at work others who have answered also requested them not to call. I do have the dates and times called and wish them to stop calling. They continue and I need assistance with this please.
Product: Payday loan, title loan, personal loan, or advance loan

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to
Product: Credit reporting, credit repair services, or other personal consumer reports

4 credit cards have been paid off and personal loan, excellent payment history. Oldest account is XXXX credit established 2013. XXXX in XXXX. XXXX  XXXX $ paid off, as well. Score didn't increase as with other 2 agencies. Usage below 1 %. Please correct paid account and revise score for Experian. 
XXXX and XXXX both have 2 hard inquiries more than 2 yrs old. Should only be 1 hard inquiry.
Product: Credit card or prepaid card

XX/XX/20 I'm using Capital One Credit Card and I pay my bill with this accounts on instalment bases monthly by Phone.When my payment was due, I called the Capital One company so many times trying to pay my bill because I didn't want to go late payment and nobody answered the Phone .I decided to call the following day and make my payment but so amazingly when I went into my Bank Accounts this Credit Card Company had gone into my Personal Bank Accounts and retrieved all the money in it.I have some other bills to pay like my Rent, Auto Loans are still increasing with interests and late payments .I called them and they told me they were going to deposit the money back into my accounts since last week but up to date it hasn't been deposited My accounts is showing Negative .I don't see the reason why this Capital One Company could go into my accounts without my authorization.
Product: Debt collection

On XX/XX/XXXX I received a letter from the collection agency that stated I have 30 days to validate debt. On XX/XX/XXXX I sent out a letter stating for them to validate my debt and it was sent via certified mail. I received no response and noticed the debt was reported to my credit. My letter was ignored and so were my rights. I sent a follow up letter stating this is my second attempt and yet no response. The collection agency is ignoring my letters and violated my rights to provide proof that the debt is mine.
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 {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
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 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

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

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
CBXXXX XXXXXXXX CB/KAY XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX To Whom It May Concern, I am filing a formal complaint regarding the handling of a charged-off account with CitiCards CBNA related to account number ending XXXX. The creditor reported this account as charged off on XX/XX/XXXX, but I have not received a 1099-C ( Cancellation of Debt ) as required by the IRS for debts of {$600.00} or more. 

Under IRS regulations, a creditor is required to issue a 1099-C when they cancel or discharge a debt of {$600.00} or more. Since the account was reported as charged off, the creditor appears to have treated the debt as canceled or forgiven. Therefore, I am requesting the following actions : 1.Confirm whether the debt has been canceled or forgiven.

2.If the debt was canceled, provide the required 1099-C form. 
3.If the debt was not canceled, clarify why the account was reported as charged off and provide supporting documentation. 

Failure to issue a 1099-C under these circumstances constitutes non-compliance with IRS regulations . I am requesting that the CFPB investigate this matter and ensure that the creditor follows the proper legal procedures. 

Thank you for your time and assistance. I look forward to a resolution of this matter. 

Sincerely, XXXX XXXX