23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Hello - I write this in the hopes it helps others. 
We have had several CD 's with Ally Bank dating back to XXXX, totaling approximately $ XXXX. Recently, we asked Ally to deposit $ XXXX out of maturing CDs into our XXXX XXXX XXXX account. These funds are needed for our beginning retirement XXXX XXXX, XXXX, so the funds are important to us. Today was the first day a deposit would be received. Much to our surprise, instead of depositing {$7400.00} into our XXXX checking account, they withdrew {$7400.00} from our checking account ( without authorization I might add ), overdrawing our account by {$5900.00}! I am appalled and shocked such a mistake would take place. 
In calling Ally Bank today, they acknowledged the mistake, but clearly did not understand nor have a sense of urgency to fix it. This is no small error. The representative on the phone stated they could wire the funds back to the account, but we would be charged a wire fee of {$20.00}, and need to set up a wire transfer in our own account. Really? They make the mistake, overdraw our account thousands of dollars, and we pay a fee and have to go through a laborious process to get our own money back?? 
Let me get this straight. I was originally supposed to be deposited {$7400.00}, now I am out a total of {$14000.00} as funds were inadvertently debited in error. 
At the time of this writing, I am still speaking to a supervisor. I 've been on and off hold XXXX to 12 times as we research, change profiles, update profiles, research some more, try to figure out how to wire ... XXXX Now I am being told the transaction is " in limbo ''. After two hours of being on the phone, I have had to set up a wire transfer myself, and told " we will waive the {$20.00} fee due to the error ''. Apparently, this XXXX dollar company does n't have a clearing account to swiftly right a wrong. The onus is on the consumer. 
At the end of the day, the measly amount we get for interest is n't worth the stress and angst this has caused us. We are through with Ally Bank.
Product: Debt collection

I've received a notice from Constar Financial Services LLC regarding an alleged debt whom has violated the FDCPA by infringing on my rights to privacy. As a consumer I have not extended credit to Constar Financial Services LLC. 

They have have identified themselves as debt collectors and are attempting to collect a debt. It is a violation to state that a consumer owes a debt in reference to 15 United States Code 1692e ( 2 ) ( A ).

I have exhibit from Constar Financial Services LLC where I marked all of the violations along with my invoice showing that how much they are civilly liable to me as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

Speedy cash every month keeps going up on my balance. Instead of the amount owed going down every month it goes up. They took a payment of XXXX a month that I did not authorize.
Product: Mortgage

TO WHOM IT MAY CONCERN : There is a major discrepancy in the amounts alleged owed on the rescinded mortgage loan. 
We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to XXXX XXXX XXXX XXXX c ) ( XXXX ). 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. " Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # 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 consent. 

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I have sent in a dispute, and none of the arrows are fixed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, Transunion and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following account is fraudulent and need to be removed from my credit report : XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. The aforementioned account, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

On XXXX/XXXX/XXXX a judgment for {$8100.00} was taken against me without my knowledge. The debt buyers had won by default. On XXXX/XXXX/XXXX, my neighbors received a letter addressed with my name and their address, containing a 'subpoena deposition for bank records ' and XXXX for 'production of business records ' addressed to our bankI was never informed because they never delivered a supoena. 

I went to the courthouse and asked to see my file,. When I saw the process servers paper I knew why. This hearing was supposed to be defaulted, and if my neighbors would n't have given me the mail with their address, a year after the hearing, I would n't have gotten thus far. 
I went to file to vacate the order and a to quash the 'subpoena duces tecum ' and was denied. I tried to explain to the judge that I never received a subpoena and the process server lied because the description on his paperwork did not describe me, and in fact it was the opposite description of me. 
I could not vacate the order, they lied about everything, sued me on a time barred debt for {$8100.00}, and proceeded to place it on my credit report, as though I opened the account with them. This is when my neighbors address was put on my credit report as mine, and stipulated it was to stay until XXXX. This year his business address showed on my credit report also. I have had their home address removed this week, now I will work on the business address being removed also. 
While investigating all this I believe that my credit report is how they found out what bank to go to, and making it appear that I owed them a debt and they were the creditors. But by not informing me of the hearing and winning by default, messing with my credit report, I have stressed enough from all this just to have my motions denied. 
I also looked into the hearings they have going on in their home town, XXXX XXXX, there were literally XXXX of people being sued, are any of them receiving their supoenas? or will they win again by default.?
Product: Mortgage

This mortgage has been sold by the mortgage companies several times over the 15 years I have had it. Most recently it has been sold to Specialized Loan Servicing. On the mortgage statement there is a charge of {$460.00} for " Past Due Amounts. '' I do not know what this is for. I have called SLS several times regarding these charges. I have been told various things ( " We will investigate and get back to you. '' They did not. " You need to write a letter because we can not address this by phone. '' ) After getting nowhere after several calls, I wrote a complaint to them. They responded in a letter dated XX/XX/XXXX, that the fees are legitimate. However, they can not tell me what the charges are for. In the letter SLS sent me they said, " You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference. '' However, the document they included only showed my monthly payments from XX/XX/XXXX through XX/XX/XXXX, and nowhere in that document did it detail the origin or purpose of the {$460.00} in Past Due Amounts. I am requesting that SLS remove this charge from the mortgage because I am attempting to refinance this mortgage but I can not while these charges remain pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Product: Debt collection

I have received 31 calls from Trans world ( phone calling me XXXX ) latest call received at XXXX XXXX MST XX/XX/2018. Asking me to call XXXX reference account XXXX. Each time I have spoken with them I have been assured they would not be calling me back. Yet several days later I get another call. I have been assured by Managers at Transworld that they have removed my phone number from the calling list. Yet calls keep coming
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and XXXXXXXX XXXX is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report.

- Furnishing information on my report without my signed written consent to furnish my private information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a FTC Report several times regarding this matter. These items were blocked and removed for years now has re appeared, My new FTC Compliant # is XXXX I will be attaching report XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 states that a consumer can not furnish an account without my written instructions ( which I have not provided ).
Product: Mortgage

I have already filed several complaints with your agency, all of which end up being closed by the perpetrators indicating that they believe they have abided by the law while the truth is every piece of documentation I have contradicts this notion. Previous complaints have dealt with my reasonable attempt to modify my mortgage over the course 2.5 years in which the mortgage servicer " has played games '' rather than make any good-faith attempt at modification. Recently, after contacting their top compliance officer, I was able to get a " trial modification '' which expressed no clear terms on what benefit I would receive participating in such a program. Therefore I was forced to pass on such a modification. I have been given no reason to believe by the servicer that they or anyone that they are affiliated with has an association with my mortgage. After formally sending for RESPA request with over XXXX questions, the servicer has not provided any substantive answers. Further, my independent research has shown that the servicer has engaged in fraud to attempt to deprive me of my home and profit not only from the bailout money already provided to them, however also additionally profiting by giving fraudulent modification terms to me in an attempt to collect money while their intent is to attempt foreclosure. In researching at the County recorder 's office, I have found over the course of the past several years multiple fraudulent documents filed, in which each of the documents has additional fraudulent acts including forgery ; misrepresentation, and additional acts too numerous to name in this complaint. I have learned that the " pass-through account '' that the servicer has attributed their standing to does not contain my mortgage. I have issued a demand letter to the servicer and have received no response despite the fact that I am highly concerned about a very clouded title. The servicer did however send me a payoff statement which I believe was a further attempt at intimidation to ultimately deprive me of my home. I have substantial equity in my home and an inability to make any move on it as due to the fraud perpetrated by the servicer has clouded the title. I have demanded that the servicer provide me something that proves a non-fraudulent chain of title providing that standing and they are either incapable or unwilling to do so. Again this is only one aspect of many many complaints of illegal activity on the part of this company which has been publicly scrutinized before and forced to close under the name of XXXX. They then reemerged under The name Select Portfolio Services and they are engaging in the same activities that cause their legal troubles under the former corporate name. I will of course file a wrongful foreclosure lawsuit if they should continue these illegal attempts at depriving me of my home, however more importantly I am seeking a way to remove the cloud of title.
Product: Debt collection

On XX/XX/XXXX, I paid off all my debts with RMP services for a total settlement in the amount of {$1800.00}. I called several times after that to get confirmation as to when they report and nobody would give me an answer. I then reached someone that I told that I just wanted them gone from my credit report to which she responed, " I bet you do ''. I then asked when that would happen and she said probably by the end of the month. I sent an email to XXXX XXXX, Operations Manager, whom had responded to my XXXX  complaint asking for her help in the matter and asking her to listen to my recorded conversations with their representatives. I didn't get a response. I then filed a dispute with XXXX  and XXXX. RMP Services deleted 4 of the 5 accounts I paid from XXXX. The one they left was the one with the highest balance and not only did they not delete it, they reported it on XX/XX/XXXX as unpaid! They falsely reported the account to XXXX and now I am considering legal ramifications. This needs to be removed immediately on XXXX  and all 5 accounts removed immediately from XXXX. Falsely reporting to the Credit Reporting Agencies is a crime.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, TRANSUNION, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication XXXX The Privacy Act of XXXX I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several months. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, someone was able to create a various accounts using my personal information. XXXX not sure how they were able to retrieve my information I want to think of a data leak or a software was hacked. This has been very concerning and nerve wrecking for myself.