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

The Customer enrolled in Ally Banks 1 % Cash Bonus Offer which offered a 1 % cash bonus for depositing new monies to my Savings Account at Ally Bank. 

Ally Bank failed to fulfil payment of the cash bonus to the Customer after the Customer had complied with all the requirements of the cash bonus offer ( which is {$500.00} based on a {$50000.00} deposit ). The Customer enrolled on XX/XX/XXXX, made the deposit on XX/XX/XXXX, and kept the balance in the Ally Bank account through XX/XX/XXXX. The cash bonus was to have been paid on or before XX/XX/XXXX. All supporting documents for the cash bonus offer and compliance evidence is attached. 

The Customer called Ally Banks telephone customer care center on XX/XX/XXXX ( Ally Bank Inquiry Case # XXXX ) and XX/XX/XXXX, and was told that no progress has been made in resolving my case/complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXXXXXX Balance : {$1900.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

When booking a hotel with XXXX, I checked the properties listed ( 4 ) as the stay being in one of the four. There was not a listing for " XXXX ''. XXXX, XXXX, XXXX and one other was shown. Again -- no " XXXX '' listing. I stayed at the XXXX in 2014 and it was TERRIBLE. Feeling safe, I hit " book it now '', and what turns out to be the property? The XXXX. XXXX hid the name " XXXX '' by using the name XXXX. I immediately called XXXX to rebook to another property. XXXX service center   ran me around in circles and told me the U.S. service center wasn't open until normal business hours. Called there and got XXXX again. Disputed the charge with Chase. Even though I told them this was fraud, they refused to help in any fashion. Chase Credit Card services refused to help despite this being blatant fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX should not be reporting to Equifax and XXXX  a collection/chargeoff in the amount of {$17000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  and XXXX are reporting this account with XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The reporting of this account as a collection/chargeoff - twice - is wrong and the line item for XXXX XXXX needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an investigation into the inaccurate information reported by Affirm on my credit reports. The account in question is currently in collections, and the reported information is not reflective of the accurate status of the account.
Product: Checking or savings account

I am filling a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of the accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : Fig Loans Texas Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account number : XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX 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. Also States A consumer reporting agency can not furnish my 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 record 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 to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$430.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXXXXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$89.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for XXXX cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4
Product: Debt collection

XXXX  is reporting 2 medical debts that are under {$500.00}
Product: Money transfer, virtual currency, or money service

I was wiring a money for a watch that was advertised on XXXX Called XXXXXXXX XXXX  for a watch for {$1500.00} When I send the money after 4 days he replied that the watch I wanted was sold and said he will give me another watch which is {$4500.00} but will give it to me for {$3300.00} since he missed up the deal on the first one. On XXXX XXXX I send {$2000.00} to complete the {$3300.00} since I already paid the {$1300.00} after 3 days I can not communicate to the person anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) Equifax is reporting a closed collection account as open and the status as 120 days late
Product: Mortgage

Can borrower current in their HAMP modifications ( XXXX and XXXX liens ) receive another HAMP modification due to hardship and interest rate increase? Wells Fargo ( my servicer ) said XXXX XXXX ( XXXX ) owns my loan and only XXXX HAMP modification is allowed. 

Any idea why XXXX loans can not obtain another HAMP modification?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 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 items of information, other than records of convictions of crime which antedates the report by more than XXXX years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon viewing my credit report I have noticed several errors and inconsistencies on my consumer report. I have substantial doubt and I would like to have my account updated as paid instead of being late. 
( MyXX/XX/XXXX ) account shows 30days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXXXXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus shows current. 
( MyXX/XX/XXXX ) account shows 30 days late for XXXX & 60 days late for XXXX which is not accurate with the other 2 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous times ask Equifax for Verification and Validation of this information, ive also ask the company mentioned for the same. Ive sent Reports to Equifax telling them that my Identity theft and asked for removal of said account from XXXX XXXX XXXX XXXX. FCRA Section 605 ( b ) ( Equiafax response and Reports that i sent are attached ) I've also sent information referrals on this company to the IRS.
Product: Credit card or prepaid card

XX/XX/2018 I opened the XXXXXXXX XXXX XXXX store credit card through XXXX XXXX. Was making purchases and paying balances off but the bank was never crediting my account and charges late fees, penalties, and interest to my account. Also, reporting to the credit bureaus as my account being delinquent. When calling to speak with a representative she stated they did not have my correct address and was receiving return mail from me. However, when we verified my address with what they had in the system it was correct.
Product: Debt collection

This company has responded to my last complaint " verifying '' the account. United Revenue Corp has not provided me with any documentation on this account. This is not my debt. Although they claim I owe this debt, they have not provided any proof that this is my debt. I have already given this company notice that this account was opened as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXX.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 spoke to XXXX at Experian at ( XXXX ) XXXX and informed they were reporting two accounts that were not mine, confirmed by XXXX at XXXX XXXX ( XXXX ) XXXX, who searched for other accounts outside of my singular credit line with XXXX XXXX and was not able to find other accounts. 

The Experian application and reports reflect the following accounts and balances that do not belong to me, which XXXX was informed of as well : 1 ) XXXX  XXXX : account : XXXX balance {$3700.00} 2 ) XXXX XXXX : account : XXXX balance {$5700.00}. XXXX instructed my to file a new FTC report for the these two accounts due the the reports not being specifically addressed in a prior FTC report # XXXX regarding identity theft. 

I also provided XXXX with name variations and addresses that are fraudulent. The names were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following addresses were provided as fraudulent : 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 XXXX XXXX  SC XXXX XXXX, and XXXX XXXX XXXX XXXX, SC XXXX. I also provided XXXX with my initial FTC report # XXXX, related to this same individual fraudulently using my social security number to obtain credit and healthcare services at XXXX XXXX XXXX XXXX XXXX 

I will be forwarding this report and prior reports to Experian as proof of filing reports to the government.
Product: Vehicle loan or lease

I have a loan with CREDIT ACCEPTANCE CORP. I have always made my payments on time yet there was a 30-days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX  XXXX XXXX with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Product: Checking or savings account

XXXX XXXX write electronic check for credit card XXXX XXXX - accidently write second electronic check for same dollar amount credit card XXXX XXXX - contact Wells Fargo to alert them to the issue requesting they cancel the second payment as it will severely overdraw my account. I file a claim. 
XXXX XXXX - alert the XXXX company XXXX that an accidental double payment was made. I let them know I did not have money in the account to cover the second payment. They said they had not yet received the double payment yet. They request that I fax a voided check and a bank statement to them verifying the information. I did this. 
XXXX XXXX Check with Wells Fargo again. They tell me the reason they cant undo this is because they are using a third party to disperse electronic payments, but that I should just wait and since there is no money in the account to cover the second check, the check will bounce. It did not and the account now has a negative {$1000.00} and the savings account has been emptied. 
XXXX XXXX - since it is the holidays and I am on a fixed income, I call WF numerous times and am passed around to at least a dozen different people, offices, countries, with no results. 

This is a Wells Fargo issue. They give no option to resolve accidental double payments. Their customer service is a big mixed bag, mostly not good.
Product: Credit reporting

I was convicted of XXXX in XXXX in XXXX XXXX, XXXX and was in a collections status on XXXX XXXX. The collections company and the XXXX XXXX XXXX did not have the correct address for me on a collections notice for the XXXX fines dated XXXX XXXX, XXXX. My address at that time was at XXXX XXXX XXXX XXXX, XXXX, XXXX and the address the collections company sent the attached collections notice to was an old address of XXXX XXXX XXXX, XXXX XXXX XXXX in XXXXXXXX. I actually received the collections notice XXXX XXXX, XXXX and paid the {$2400.00} on XXXX XXXX, XXXX within 30 days. I had provided the court the proper address before XXXX XXXX, XXXX but they sent it to the wrong address anyway, resulting in the almost 3 month time delay as a result of their mistake. Because I paid the outstanding balance within a reasonable period of time, 30 days, I feel that the court caused the late collections activity because of their incorrect address error. I contacted the court and they even admit that they made a mistake and had the correct address on XXXX XXXX, XXXX but are refusing to remove the Collections Account marker on the Trans Union report. They originally showed the collections account not being paid in XXXX XXXX but then revised it after it was paid. However I maintain that the collections account would have been paid several months sooner had the collections agency and court had my correct address. 

Additionally, the fines were not assessed until I was convicted, which was not on XXXX/XXXX/XXXX as indicated in the Trans Union report, but rather on XXXX XXXX, XXXX, which is the date shown on my XXXX conviction papers. Therefore the item should be removed since it is inaccurate as well.
Product: Checking or savings account

XXXX  XXXX XXXX is my primary financial institution. My e-commerce transactions are handled through XXXX XXXX  XXXX. XXXX has contracted the company Fiserv to process those transactions. Through my agreement with XXXX, Fiserv debits my XXXX account monthly for the cost of processing those transactions. 

On XX/XX/XXXX of 2021, there was a BOT attack which sent over 16,000 requests for authorization through our account. We generally do 1-2 transactions per day and have been for nearly 10 years. ( see attached documentation samples showing over 300 pages of transactions in a short few hour time slot ) From these documents I would like to point out that each and every one of these transactions used the same name, address, zip code and dollar amount. These transactions took place within a few hours. With no action from XXXX, or Fiserv, I fortunately identified the event in house and immediately alerted XXXX XXXX  XXXX. XXXX/Fiserv Merchant services made no attempt to identify or reduce the flow of transactions going through our account. 
Consequently, Fiserv billed me for each transaction. Our XXXX XXXX company XXXX refunded their portion of the charges, Fiserv refused stating that they could not recoup the money from Visa, so consequently the fees were not recoverable. 
See attachment for full text. 

It is clear that Fiserv puts forth a policy that exposes its customers to blatant and obvious fraud while taking the position that they have no responsibility to either a ) Protect and mitigate those fraudulent actions or b ) Absorb the costs of the successfully perpetrated fraud as a direct result of their failure to implement proper safeguards. 
Instead Fiserv, by its own admission, benefits monetarily from the processing of fraudulent transactions and because of that has no financial incentive to prevent them. 
The idea that a single person using the same name, address and zip code could posses 16,000 different credit cards is beyond any realm of possibility. The idea that in a few hours such a person could select a specific card, enter the numbers and re key an entire online transaction 16,000 times is also absurd. 
The installation filters recognizing these forms of computer generated fraud is a simple implementation and should be mandatory for any and all financial service processors. Any reasonable person would come to that conclusion ... unless of course that person profited from the fraud. 

Current card processing technology has more than enough safeguards to protect Visa, Fiserv, XXXX  XXXX XXXX and of course, the customer. The failure to implement that technology is a choice made by Fiserv. Taking the position they have with our company of passing on the costs of that failure is unacceptable. 
Forwarding the blame to Visa for not assuming financial responsibility, while simultaneously making no efforts to request ( demand ) Visa refund those fees, stands on its own as a diversion of responsibility to a unaffiliated third party.