23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have having trouble with Ally. They have called and harrassed me multiple times about my payment. Each time they call i explain to them the same situation. My ex and me are divorced and I travel for work. Also, that I am unable to log into my account online to make a payment or set up auto pay and I have requested them to help me multiple times. There solution is to pass me off to a third party payment call where i have to pay a fee for my convenience. They keep charging me late fees which is unacceptable when i have requested help. I have been harassed multiple times by them and each time i have stated the same thing. I do I have XXXX and sometimes i forget to cal, but when I make the same request over and over and it goes unanswered is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found that several of the accounts on my Transunion, XXXX and XXXX accounts were put on there without my consent. According to 15usc 1681b ( a ) 2 In accordance with the written instructions of the consumer to whom it relates and 15usc1681 ( a ) i report containing information solely as to transactions or experiences between the consumer and the person making the report. Affidavits have been sent to each reporting agency. Accounts that are in question are : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased a pre-paid American Express Gift Card at a local XXXX for {$72.00} XXXX attempted to purchase goods at two online stores ; XXXX XXXX and XXXX. I had sufficient funds for both purchases. Both were declined. No good reason other than to " select a different payment method ''. 

I contacted both merchants and they claimed it was an Amex Gift Card issue. 

I contacted American Express and they stated it was an issue with the merchants and I should try another online store. 

Several online discussion boards are posting hundreds of comments that it is virtually impossible to use an Amex gift card online. 

This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
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 : {$500.00} ; XXXX XXXXXXXX XXXX Balance : {$310.00} ; XXXX XXXXXXXX XXXX XXXX : {$560.00}
Product: Debt collection

Commenity Bank has contacted several individuals of my family, including extended family, in regards to credit card debt owed and on at least 3 occasions disclosed specific information in regards to the debt. 

On XX/XX/XXXX Commenity contacted my sister and gave her specific information on my debts owed and disclosed that there was a balance of {$4000.00}. It is believed that they were under the impression that it was my wife they were speaking to as they only used " XXXX '' and our last name. Regardless, my wife is not authorized for information on this account either. I am the sole owner of the debt. 

This is the second time Commenity has corresponded with my sister and has given specific information ; however, the first date was not documented by me personally but it is believed to be in the XXXX timeframe. 

They have also contacted my step father as well. Both of those individuals had disclosed balances and personal information in regards to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, XXXX and Experian on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the federally protected consumer. notices multiple unauthorized account and inquiries. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by XXXX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. The court stated that they don't report to consumer reporting agencies regarding bankruptcy information. Pursuant to 15 U.S. Code 1681b permissible purpose with not given. I do not consent to XXXX XXXX or XXXX  verification or validation. Failure to remove the unauthorized alleged accounts will result in civil liable pursuant to 15 U.S. Code 1681n, {$1000.00} each violation committed.
Product: Checking or savings account

i log in to the account checking and it shows that i have the funds available, but then i get charge for overdraft fee when cleanly it show the funds available.
Product: Checking or savings account

On XXXX I had made a payment of {$560.00} on my app at Wells Fargo when I logged in it had a notification if I had made these transactions I said yes they were my transactions on XXXX. Then I called Wells Fargo and I talked to somebody they said they were going to send me a six digit code through text message and when I got it I said it to them they put it into their system and they said no further action is going to be on my account. Then on XXXX they did a provisional credit for claim. I did not ask for this claim they did it all on their own because I had taken care of the claim supposedly on XXXX. And then on XXXX they took this provisional credit and claim out of my account and they put me in overdraft of {$560.00}.
Product: Debt collection

This so called debt is a total lie being handed off from one to another for more than 7 years now... I am tired of this lie and deny ever owning said debt or any attachment what so ever.. I demand this lie to be removed and erased from my personal life and anything attached to my name.. I DENY ALL AND EVERY CONNECTION TO THIS ACCOUNT IN THE AMOUNT OF {$300.00} ... XXXX.!! THIS IS CRAZZZYYY... ALL LIES AND ATTEMPTS ARE SOLEY FOR THESE COMPANIES TO BE SHARKS... REMOVE THIS CREATURE FROM MY LIFE PLEASE... AND STOP YOUR LIES...
Product: Debt collection

i made a purchase of {$1600.00} on XX/XX/XXXX using Affirm credit and returned the item due to if not fitting well. I received confirmation of the return and the full credit issued to affirm on XX/XX/XXXX. On the same day, Affirm credit company is charging me a fee of {$79.00} which appears to be the full interest fee. They have not given me a prorated rate given that I had the product for less than 2 weeks. I find this to be predatory and exploitation. I have the same challenge with 2 other transactions that I used with this company.
Product: Credit card or prepaid card

I am extremely upset as a 21-year customer of Citi 's credit card services that they have recently decided to become politically active and begin discriminate against XXXX manufacturers engaged in legal businesses, bowing to the anti-American policies of so-called progressives. This discrimination against companies that refuse to sell arbitrary classes of firearms is illegal and any and all federal contracts must be pulled from private enterprises that engage in such age discrimination.
Product: Checking or savings account

I had an navy federal bank account that I do not have access to anymore due to them closing my account to a fraudulent report that I reported to them regarding someone depositing a fake check into my account I had lost my debit card my PIN code was on the back of my card and someone deposited a check amount of XXXX  and I reported it that it was not me. It happened at an non navy federal credit union Navy closed the account against me and saying I owe them XXXX for that fraudulent transaction This happened in 2022 when I lost access to my bank account
Product: Credit card or prepaid card

Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX. 

In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act.

Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my credit.
Product: Mortgage

I am very dissatisfied with my Mortgage Servicing company, Gregory Funding, XXXX. 

I have extensive damage in my home due to a hurricane. It took me 3 years of legal action to get my insurance company to settle out of court for the amount of the repairs. 

The settlement check was cut in the middle of XXXX to my mortgage servicing company and they have yet to pay out any amount of the settlement as they have been instructed to. 

When I or my attorney 's office try to call we are kept on hold for sometimes over an hour. When we email them, we get no response. 

How can a company be allowed to operate like this? The worst part of this, is that we didnt choose to work with this company. Our mortgage was sold to them and they were forced upon us.
Product: Credit card

I did not notice until I was given a charge of {$730.00} dollars due by XX/XX/XXXX. When I saw my transaction statements, I've been getting a late charge for amounts of {$30.00} and {$41.00} since XX/XX/XXXX. I contacted Yamaha XXXX services to inform them they have been incorrectly applying my payments. I was notified by XXXX different agents that responded to my calls saying that the late fees would be waived and that the proper payment amount would be updated to my account in which nothing has happened. As I am making the report today XX/XX/XXXX, I made one last call prior to this in which nothing has happened. A request was supposed to be filed to waive the late fees since roughly XX/XX/XXXX but when I called and spoke to a supervisor today, the request was not put in and nothing was changed on my account. The first attempt at fixing this issue was made roughly the first week of XX/XX/XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX. I was told by the agent that my payment was only suppposed to be exactly {$320.00} but going back on my previous statement, I was told that nothing had changed on my acct even after multiple attempts to correct the issues with my payments and fees. When looking at my transaction history, I have made an early payment between the XXXX and XXXX of every month but I have been told that the payments were late although the payments were made before the XXXX due date of each month.
Product: Checking or savings account

XX/XX/XXXX I use mobile deposit for the workers comp checks as Ive done for past 5 months. This one was returned and without my knowledge Citibank closed my account and deemed it fraudulent. The amount was XXXX the same amount that has been going In every other time. I have money in my savings account and how am I to know the sender of check out a stop payment on it. Nevertheless my bank never informed me that there was an issue as well as never contacted me. I went to use my debit card and it didnt work. Tried to access my mobile app and it was closed down for access. I proceeded to the bank branch where they informed me to call fraud prevention. Thats when I learned of the incident. Ive had loans with this bank in the amount of XXXX dollars paid back in full. I was much later sent a new bank card and other correspondence now stating there is an investigation. How is this a practice? Why not give the customer the opportunity to correct a mistake obviously made by the sender of the check. Now they are calling asking when can I make up the XXXX balance left from the returned check. Im really concerned about this going on my credit report as well as my name linked to fraudulent activity with a banking institution. Please help
Product: Debt collection

I had a medical balance that was paid in full XX/XX/2020. RMP services opened a negative hit on my credit report for {$100.00} on XX/XX/2020 for debt to my doctors office. A balance I have no record of? I have reached out to my doctors office and no one has gotten back to me. I am very upset because I have excellent credit and we are looking to refinance and I now have this nose dive in my score for a debt I have no idea about. 

1. RMP Services has never mailed me anything, called me or tried to contact me in anyway to collect this, I only know about it because the mortgage company ran my credit! 

2. My doctors office has never called me about an outstanding balance! 

3. If I do owe {$100.00} for healthcare services ... how can healthcare debt of any sort go on my credit report? I believe that is unlawful. 

4. RMP Services is impossible to contact, they have terrible reviews they certainly do not seem like a quality ethical company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following creditors : 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 has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

Additionally, I have disputed these accounts before because they contain inaccurate information. The date opened is not correct nor is the last payment date correct on either of these accounts. 
There is also not a full or truncated account number listed to identify that these accounts even belongs to me.
Product: Credit reporting or other personal consumer reports

Please help me and reach out XXXX if you have any questions I would love to speak with someone about this I am a man older gentleman that is not very aware or privy to the knowledge regarding this and I'm just really scared that someone's using my information. 

I have collections that I never occurred or signed up for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I have negative accounts on my personal credit information that I have never seen in my life : : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Monthly payments documented from the XXXX XXXX XXXX XXXX clearly shows all payments were posted to Wells Fargo on the XXXX of each month - payments to Wells Fargo were due on the XXXX of each month. 

Wells Fargo posted my payments after the XXXX whereby charging my account with a monthly LATE FEE. 

Wells Fargo is a Predatory Bank. 

I can provide proof of payment with XXXX XXXX XXXX XXXX documentation!
Product: Credit card or prepaid card

Hi I bank with Chime and had fraud occur on my account on XX/XX/XXXX. While I was at work at my bank I work for. 

Two charges occurred simultaneously one for {$29.00} and one for {$29.00} both for the same fraudulent company at XXXX out of Florida. I have filed my claim with Chime over 5x now have called and spoken with no less than 50 different agents. Spoken with 10 supervisors and also emailed their so called investigations team as well to date I have just called again today XX/XX/XXXX and it has now been over 3 months and still no response or resolution. They have done nothing but give me an absolute runaround. This occurred on my credit builder credit card so no provisional credit is possible yet since its been over 90 days the credit should have been posted back to my account and for some reason it still has not and the claim was closed yet again! and theres no way to get in touch with anyone at investigations at all. 

Also they claim that since the card wasnt stolen it could not be fraud and I have submitted pictures of the closed credit card on which the fraud occurred.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activities on their platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process has been unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have resulted in significant inconvenience and financial loss for me. I seek appropriate redress for these issues and request an immediate investigation into these practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. I have been the victim of a data breach, and these entries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts resulting from identity theft blocked and removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

XXXX. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter. 

XXXX. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance.

Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.