23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I am a Rushcard holder. I have no idea why. I have bank accounts. I will close my Rushcard account after I get my money. I received a text stating my card had been blocked for suspicious activity and to contact Rushcard. I called them immediately and upon me calling, I started receiving text stating I am being issued a new card and it will be in the mail in 7-10 business days. I began asking what was compromised and a better explanation and the rep is short with me and tells me that it comes from coporate. It has been 7 days, I still do n't have my " new card ''. They did n't even offer me the option to expedite the card! I get paid tonight and will not be able to access my funds. This will be a deposit of over XXXX. I have XXXX children. I work everyday. I called again today and XXXX, the floor supervisor in customer service told me to wait until Monday and at least my money is on the card and I should n't be upset. And if I want to get a lawyer to go ahead. I then called XXXX customer service who told me, someone will call me back in 2 business days! I am very disappointed. I told my family members about the service due to THEM not having a bank account. I should have never opened a card with them. That Fee holiday is XXXX. They should be ashamed. Please someone do something.
Product: Debt collection

XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It is now the XXXX XXXX XXXX. I still have not received my Escrow Surplus Refund Check in the amount of {$2100.00} ( Check Number XXXX ) that in conversation was purportedly mailed to me on XXXX XXXX, 2024. I wrote them on XX/XX/XXXX requesting an update and check number and followed up with them again XX/XX/XXXX and the response was I would get an answer by XX/XX/XXXX. No answer and now they are telling me they need to do more research, and I will not receive a response until XX/XX/XXXX. This is the same XXXX they gave me last year. Every day I don't have the funds, my funds, not there's it costs me money. Can you imagine how much they steal from their mortgage holders They did the same thing last year. This is the second year they have failed to get my check to me on time. I informed them that they were again in violation of RESPA ( Federal Law ) by failing to have this check to me within 30 days of issuance. This lack of due diligence is very alarming. I am forced therefore to file a CFPB complaint informing them of your lack of compliance.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter
Product: Vehicle loan or lease

To Whom It May Concern, I'm in need of assistance regarding a false claim brought against me by Ally Auto Finance that I owe them {$4600.00}. 

The vehicle in question was for a leased XXXX XXXX XXXX XXXX XXXX ( XXXX number XXXX ), from XXXX XXXX XXXX XXXX XXXX XXXX with an address at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Ally was the finance company I signed with in XX/XX/XXXX for three years. I even purchased extra mileage plan of XXXX miles that was built in the amount I owed each month. 

Fast forward to XX/XX/XXXX, almost three years after I returned the XXXX XXXX XXXX XXXX XXXX at the conclusion of the lease, I'm receiving letter from Ally I owe the the back {$4600.00}. 

I called Ally multiple times requesting for an explanation in which the each representative inform me the following : 1. I was told I failed to make monthly payments? 
That is false. My primary bank, XXXX  XXXX XXXX provided me in detail that I made every monthly payment on the lease. I have documented proof and XXXX  XXXX XXXX will support me in the false claim. 

2. I was told the {$4600.00} was for an overage mileage fee on the XXXX XXXX XXXX XXXX XXXX. 
That is false. As previously noted, I paid for the extra mileage when I signed my lease in XXXX. When I returned the vehicle, my odometer wasn't near the XXXX miles alloted to me during the three year lease 3. I was told there was {$4600.00} of vehicle damage when I returned the XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. 
That is false. I returned the vehicle with no damage. After almost three years they are now informing me I returned a damages vehicle?

4. I was told, I owe {$390.00} for vehicle damages?? 
That is false. I returned the vehicle with no damage. 

When I spoke to the bank representative again why I received three letters from Ally and now a collection agency that I owe {$4600.00}. I was not able to get an explanation and was told someone will be contact me next week. 

I'm fearing my credit is now impaired by this false accusation and mistake from Ally.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my report that i did not consent to.
Product: Credit card or prepaid card

The claims in the amount of XXXX and also the claim for XXXX and the lady claim which is for XXXX needs to be fixed you guys have denied me for months now my claims are being approved but none is fixing the claims that put me in the negative this is my life i have nothing I can barely test some days because Bank of America refuses to do what is right and n my behalf and when they do they are still making me suffer with the negative balance under my account I am not trying to get you guys in trouble or anything I am just asking that you please put my money back where it belongs you guys have acknowledged the freaks under my account which is why I received the letter from you Guys please I just need to feed my child and my fianc please fix my account we had to skip XXXX this year because of this situation I have to choose between feeding my child and giving her gifts it was not fair to me or her I need answers I need my money please at least fix the claim for XXXX please!!!
Product: Credit card or prepaid card

XX/XX/2022 - Shopped at Ann Taylor, made purchase, opened credit card account to receive a discount. 
Input address information on a store kiosk which did not allow full address input. 
Never received the credit card, or statement. 
Called the finance company, they would not allow me to make the payment online, because I did not have the account number, but I provided my name, social security. 
The company insisted I make a {$3.00} fee payment and provide another credit card, I did not comply, and stated it was unfounded to charge me a fee for any information I requested. 
While on the phone I demanded to close the account, send the statement to the correct address. 
Received the statement on XX/XX/XXXX, made the digital check payment on XX/XX/XXXX, from XXXX XXXX  in the amount of {$150.00}, memo paid in full. Sent to the address on the statement for payments in full to : XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the check was returned. 
I attempted to call the number on the statement, they will not take phone calls, states phones are to busy and hangs up on me. XXXX called XXXX. 
Name of the bank is Comenity, address in XXXX, OH. I am trying to call and take care of this, however the system does not allow it. Their refusal to give me the address to send the check initially caused me to be late, and then they are not accepting the payment. I never received an account number to refer to on the check, this is problematic, since they need to apply to the correct account.
Product: Credit reporting or other personal consumer reports

The following student loan accounts were disputed for reporting inaccurately 90 day late payment for XX/XX/XXXX with Experian, XXXX and XXXX in XX/XX/XXXX. All XXXX accounts were investigated, corrected and reporting pays as agreed/never late account status on these student loans. On XXXX XXXX I received credit report alerts and email from Experian stating that " my reinvestigation request '' was complete, and that the accounts were added back to my consumer report and reporting the 90 days late XXXX called all XXXX credit agencies to have accounts corrected and updated once again. I explained that the accounts had been previously disputed and updated and that I, in fact, DID NOT request a reinvestigation as the email stated, nor was the information correct. 
I called the student loan servicer, XXXX, as well as logged into the portal to request the account history and to obtain any additional documentation that I could present to the credit agencies so that this can deleted from my consumer report immediately. The student loan servicer stated that they do not show the negative accounts being reported and my accounts were transferred to them in XXXX, and no negative account status reporting on their end ; nor do they show the accounts numbers that Experian reports on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$5100.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$4800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$7800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} 90 days late XX/XX/XXXX I also declined the offer to put a security lock and statement of fraud alert on my consumer report. I was given a confirmation Number from XXXX and that this fraud alert statement and lock would be removed from all XXXX credit bureaus on XX/XX/XXXX, but it was not removed and still reporting on my consumer report. 

Numerous calls, reports and FTC report and letters to XXXX to remove unknown and unauthorized inquiries from report. They continue to state that they have not received reports, etc. Keeps providing different mailing addresses to send disputes and documents, then when i call to follow up, a different agent gives me different information. This has went on since XX/XX/XXXX. 

XXXX is reporting inaccurate information and only XXXX account showing on the online portal, my credit score is showing over XXXX point difference due to inaccuracy and also has been reported to an entity that my score was much lower than the score I paid online to obtain ( which was still incorrect ). I can not access my credit file from XXXX XXXX and constantly being told that I have to wait for my credit report and score to come via mail for accuracy ... .in which I never receive the score and the credit report is still inaccurate after waiting over XXXX week to receive each report via mail.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>,, I made TransUnion, aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} they are reporting on my credit report. Ive requested TransUnion, and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 
it has been well over 30 days for TransUnion to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. TransUnion, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) TransUnion, Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n
Product: Credit reporting or other personal consumer reports

I am reported as having a bankruptcy, But XXXX does not have me listed as having a bankruptcy and they have their info from XXXX XXXX. Why are you reporting me as having one? This is inaccurate!
Product: Money transfer, virtual currency, or money service

I made an online pruchase for XXXX XXXX XXXX XXXX for XXXX at website XXXX XXXX XXXXXXXX I have the email thanking me for purchase that I did via Paypal. Somehow when I did this transaction it did as family and friends transfer and not business transaction. I have no idea how that happened, I've been using paypal for online transactions and this is the first time this happened. Anyhow the money transfer for XXXX USD to XXXX XXXX transaction ID XXXX recipient XXXX XXXX email XXXX for XXXX and fee of XXXX from paypal I believe it was a foreign exchange not sure. I tried contacting XXXX to get information on delivery of product and never heard back. This was on XX/XX/XXXX. I entered a dispute with pay PayPal " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$89.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.
Product: Vehicle loan or lease

I have contacted this lender XXXXadvised them that I was XXXX for a while now and I am in need of a financial hardship. They are not giving me any option. I explained to them that I just start working back this week, and because I am already behind, I am not in a position to get this account back on track right away. Still they are not trying to work with me.
Product: Credit reporting or other personal consumer reports

XXXX and Trans Union are violating my FCRA consumer rights. I sent a dispute on XX/XX/2024 and they have not responded. I also contacted the court for the inaccurate Bankruptcy on my report, they stated that they do not report to credit bureaus. I attached a copy of the document they provided. Please help me investigate this. The inaccurate accounts and BK are preventing me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN HARD CREDIT INQUIRIES I DID NOT APPLY FOR? 

1. XXXX XXXX BANK on XX/XX/2021 2. XXXX  XXXX on XX/XX/2021 3. XXXX  XXXX on XX/XX/2021 4. XXXX XXXX on XX/XX/2021 5. XXXX  on XX/XX/2021 6. XXXX on XX/XX/2021 7. XXXX  XXXX on XX/XX/2021
Product: Mortgage

On XX/XX/2023 we called Citizens Bank customer service to pay off BUT NOT CLOSE our Home Equity Loan. Customer Service told us to pay {$8200.00} so we did. She explained ( on a recorded call ) that when we CLOSE the account, we will pay the PAYOFF AMOUNT On XX/XX/XXXX we received a FORECLOSURE LETTER from Citizens Bank for being over 30 days past due on a {$34.00} payment. 
On XX/XX/XXXX Citizens issued a credit payment delinquency statement to all three credit agencies saying we were delinquent on a Mortgage Payment and each of our credit ratings dropped XXXX points and will not recover ( per XXXX ) for XXXX years. 
WE ARE ASKING SPECIFICALLY THAT CITIZENS WITHDRAW THE PAYMENT DELINQUENCY STATEMENT REPORTING THE LATE PAYMENT OR CHANGE THE WORDING SO IT STATES THAT WE WERE FOLLOWING THE INSTRUCTIONS GIVEN BY CITIZENS BANK.. WE WERE UNAWARE THAT WE OWED ADDITIONAL MONEY BECAUSE OUR BALANCE SHOWED {$0.00}
Product: Vehicle loan or lease

Ally Financial My original complaint is when I was a month behind, they called me 4 to 6 times a day, and I did try to pay online but was locked out of my account until today. But I found out they are running a background check and looked up possible associated people to me and started calling them. I got a angry call from my husband 's baby 's mother implying I'm trying to commit fraud and this ally company keeps calling her non stop all day. I do not know how they got her number or anything about her bc I do not associate with her. I don't like her nor have I even spoke to her in almost 3 years I called customer service at Ally and the man kept dancing around my question of how they got that woman 's name and phone number and he kept saying he didn't have it. I said yes they do, because she called and gave me all my info on my van and he hung up on me during him transferring my call. Allegedly. So I call back and while waiting I got hung up on. The third time I got in touch with a woman and she started the same run around I finally asked her, I need to know right now how you got her name and number because I do not want her to know anything about me! Then Mt husband said I bet they ran a background and seen your possible associations. I asked the woman that and she said that since I didn't answer they look for possible associates to get in touch. I said I have a no contact order on her and stalks us. Now she knows all my info because yall XXXX  it to her. Then after that conversation magically my debt owed qent from XXXX to XXXX estimated. I pay XXXX a month. So those don't even add up no matter how you look at it. I want out from under that company. They violated my privacy act and I'm XXXX. This can ultimately cause problems un my life thanks.to them. 
I have never in my life been late on a car payment before. This past month is the very first time and they are literally looking my name up just to find other people to call and harass. It's a violation of my privacy act. Worst loan company I have ever had. Wouldn't recommend to anyone. I've never had issues like this in my life. I'm shocked, violated, and angry.
Product: Checking or savings account

capital one bank put a hold on my checking account due to a check that was deposited into my account, they are stating that the check has returned, they deducted the amount from my account, I continued using my account as normal weeks had past then one day I go to check my online banking and i see the a message saying my funds are on hold due to the status of my account, I call customer service speak to a representative and she tells me that my account is under investigation due to a returned check, Before this incident I had a positive balance of {$5600.00} in witch now they are holding from me! I have been in contact with them daily and they just keep giving me the run around, I would really appreciate some help on saving my account
Product: Money transfer, virtual currency, or money service

General information : My friend sent me the money using XXXX from boa, but I did not receive it. 

Background : A friend of mine tried to transfer an amount of {$1700.00} to me using XXXX from his boa account on the day of XX/XX/XXXX. XXXX can transfer money to people by typing people 's phone numbers. He sent this money via my US phone number. 

Problem : At that time, however, that US phone number is no longer valid because I left the US a long time ago and did not continue to pay that phone service fee. However, when he sent out the money, the name pops out on XXXX 's page is still my name. We realize the problem, but there is no way to cancel the transaction. It has to wait 14 pending days. 
Then the transaction went to pending. We thought if so, and this phone number is invalid, then after 14days, the money would come back. 
However, this transaction suddenly switches from the pending state to success on the day of XX/XX/XXXX. This money did not go to my bank account. 

Ways we tried : We've contacted the BOA several times, XXXX, XXXX ( receiver 's bank ). BOA went through the dispute process and sent the file to us only proving this transaction is successful via mail. It's a large possibility that this phone number might have a new owner, and this money went to this new owner 's bank account. 
I went to att to check, and my phone number indeed has a new owner. 
Therefore, we tried to contact the person who now owns that phone number. However, it fails anyway. No one answers the phone, and text messages. 

Things I want to add : I did not know that the phone number can be redistributed after it went invalid. At that time, I do not know when I can come back to the XXXX. There are lots of my website accounts that still connect to that phone number. 
Even when people do not register XXXX, if there's someone who sent them money, there will be text messages noticing people that there are people sending you money, then just register XXXX, they can get that money. 
Now, when I tried to see the active state of this phone number using XXXX, it's no longer registered. 
Due to the lack of awareness of the mechanism of US prepaid phone numbers and banking mechanisms, such a mistake was made. However, this person took the money that does not belong to him and take it using this advantage, which makes me feel sad I am an undergrad student in XXXX, and this XXXX means very much to me. This money is supposed to pay my rent and my living expense. 

My name is XXXX XXXX, which matches the merchant 's name on the attached document.