23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for an Ally credit card using my XXXX credit match on XX/XX/22. After submitting my application, I received the message, " We need more time to review ''. My XXXX XXXX was immediately decreased by XXXX points. I could see the XXXX inquiry from Ally Financial XXXX on my credit report. 

I called Ally XX/XX/XXXX at XXXX am, the rep informed me she didnt have a record of my inquiry, but to allow up to 17 days for processing, and to watch for a letter or email to determine my status. I called again XX/XX/XXXX at XXXX, another rep stated there was no record of my application, or prior phone call. I asked if there was an internal department who handles these requests- I said Ally doesn't have XXXX... they go through XXXX. I requested to speak with a manager. The manager used my SSN, full name, phone number, address to attempt locating the application, but also said there is no record of my application or phone number. She said she was launching an investigation, and to call back within XXXX business days. 

I called back on XX/XX/XXXX at XXXX. The rep stated there was no record I had ever called- thus no investigation. She located an account with my name from XXXX I informed her I've never used or applied for anything associated with Ally. I am highly upset and concerned as this has significantly impacted my score, and no cares enough to follow-up, or merely document my call. I will NEVER apply for anything associated with Ally, again.
Product: Debt collection

This is NOT a duplicate complaint. Original bill was sent to wrong guarantor, after months of trying to correct with XXXX XXXX XXXX, they turned it over to ARSTRAT collections. Complaint XXXX was field with CFPB to correct this error. 

The only change that occurred with complaint XXXX is that the debt was switched into my name with the collection agent ARSTRAT. 

I HAVE NEVER RECEIVED A BILL FOR THIS DEBT FROM XXXX XXXX XXXX XXXX. XX/XX/2020 both XXXX XXXX and I contacted a patient advocate XXXX at XXXX XXXX XXXX who listened to the issue and said someone would get back to us. As of today, we have not heard back..
Product: Credit reporting, credit repair services, or other personal consumer reports

BK OF AMER XX/XX/22 RE> We have disputed this account.
Product: Checking or savings account

Monday XX/XX/16 I went online regarding a personal loan. Tuesday a gentleman called me from a company called XXXX XXXX. We offered me a {$2100.00} loan at at a favorable rate. I gave him my routing and account number. XXXX later, {$2100.00} posted to my account. I called to let him know that the funds posted. He then stated his supervisor disagreed with the rate he had given me and he would have to raise the rate which was doubled. I was extremely upset and told him that I'm returning the funds asap. He gave me XXXX XXXX info to send the funds. The transactions wouldn't go through. He said I can mail a check. I responded I'm a XXXX XXXX, XXXX from home and will not be home for another XXXX weeks and by then, a payment will be due and then I'm committed. He stated the only other way I could get the funds back to them immediately is go to XXXX and get gift cards and send them the info from the cards. It sounded strange to me but I didn't care. Not thinking it's any kind of scam because I have their money. Come to find out the next morning by Navy Federal, they somehow accessed my account and debit card number. Filed a bunch of disputes on previous transactions to total {$2100.00}. It's destroyed now but I had my debit card in my possession. Didn't give ANYONE my login credentials or debit card info. Now Navy Federal is holding me responsible. I've been out of work due to illness for the past month and extremely short on funds. That's why I was looking for a small loan to pay some bills until I get back on my feet. I've gotten fraud alerts and my card temporarily shut down trying to by XXXX out of XXXX because their system felt something isn't right. But submitting a bunch of disputes in a XXXX min time frame didn't raise a eyebrow. Ive been fighting identity theft issues for the past few months. It consisted of someone applying for credit products in my name. After the Navy Federal representative told me they had all my info, I thought my phone might be compromised and I did a master reset on the phone which deleted the forms I was sent via links in texts. I have no idea what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this complaint because I have been a victim of identity theft. I am a protected consumer and would like your assistance in removing misleading information from my credit report at it is ruining my reputation. 

attached is my identity theft report, along with supporting evidence.
Product: Bank account or service

Bank of America charge me, {$140.00} in overdraft fee 's. Bank of America had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.
Product: Mortgage

CFPB Complaint in Response to XXXX Letter dated XX/XX/XXXX This letter is in response to XXXX XXXX recycled redundant non-substantive findings after another hollow disingenuous investigation of the facts. At the outset, XXXX acknowledges receipt of my hardship letter and request for a modification on XX/XX/XXXX but does not respond to the first modification request until XX/XX/XXXX ( 5 months later without an explanation for the delay ). 
Interestingly, notwithstanding multiple requests for a modification from XX/XX/XXXX through XX/XX/XXXX, as well as in XXXX CFPB complaints, XXXX has NOT included a single document submitted by the borrower for a modification, nor is there a single document of the alleged investor guidelines used as the basis for the denial. Instead, the review repeatedly concludes ad nauseam that you did not meet the requirements for a particular program or you did not meet the investor guidelines, but does NOT provide any written documentary evidence of what the investor guidelines were. 
Sadly, XXXX has not and can not provide a good-faith basis for the denial supported by documentary proof of the investors guidelines together with the borrowers records submitted with the multiple modification applications. The XX/XX/XXXX alleged review refers to the identical letters it sent with its alleged reviews dated XX/XX/XXXX and XX/XX/XXXX, both of which are devoid of the written investor modification guidelines or the borrowers documents submitted with the modification requests. 
XXXX claims the loan was a private loan that did not participate in the XXXX XXXX XXXX XXXX ( XXXX ) but does not provide any written proof of the same. Even assuming the investor did not participate in XXXX, that does not relieve the investor of its duty to provide proof of the investors written guidelines together with the multiple modification documents submitted by the borrower. 
It is well established that the wrongful denial of my multiple requests for a modification fits squarely within the period between XXXX and XXXX wherein Wells Fargo failed to detect errors in its automated system to determine whether consumers in default would be eligible for loan modifications with XXXX XXXX or XXXX XXXX, or under the XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Equally untenable is Wells XXXX  allegations that it was unable to reach me. I responded to all of its calls and letters. Wells Fargo has failed to mention which documents were not provided. 
Further, as mentioned in my complaints CFPB Case Number XXXX and XXXX, XXXX XXXX argument that XXXX XXXX on or about XX/XX/XXXX was based on the XXXX  is equally meritless because the XXXX  valuation took place more than 7 years after multiple wrongful modification denials beginning in XX/XX/XXXX. Wells Fargo can not hide behind a denial directly related to its XXXX years of dilatory actions and wrongful denials.
Product: Student loan

Mohela has incorrect loan amount and ending loan date when I consolidated. My original loan was around {$31000.00} and SAVE plan took off my runaway interest when I consolidated. It recently got added back {$17000.00} making my loan around {$58000.00}. Also, I never received my XXXX time credit adjustment. My loan is from XXXX They should end XXXXXXXX XXXX XXXX  I called before consolidation dept of education and student aid.gov workers to confirm I will get my adjustment. I read every single sentence of my contract and would NEVER agree or sign anything with more years! The Federal Government is not allowed to do whatever it wants to alter my agreement without my consent. I will NOT pay a college loan for 30 years!! This voids my contract! These are Deceptive crooked practices and I have complained everywhere and nothing gets fixed. Nobody cares about this except me because its under my name and its incorrect! Mohela omsbudsman is bias and wont fix this mistake! Theyre controlled to ignore issues like mine and leave them as is because they are incompetent to fix them and abide by the law. Mohela is unreachable and cant meet my needs. Three hours wait time is not my problem. I email them and no response ever! They should be shut down!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding identity fraud and incorrect address information on my credit report. I have recently reviewed my credit reports and discovered several discrepancies and accounts that do not belong to me, which I believe are the result of identity theft. I request that the Consumer Financial Protection Bureau ( CFPB ) assist me in resolving these issues and taking necessary action. 

Incorrect Address : My credit report lists my address as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which is incorrect. The correct address is XXXX XXXX XXXX, XXXX, GA XXXX. This error has caused confusion and is likely contributing to the fraud issues in my report. 

Accounts Not Belonging to Me : The following accounts have appeared on my credit report, but none of these belong to me : 1. An XXXX XXXX cards, which were closed in XXXX 2.A XXXX  XXXX card, which was closed in XX/XX/XXXX These accounts were opened fraudulently and do not belong to me in any capacity. 

Fraudulent Collections Accounts : Additionally, I have noticed two collections accounts that were opened in my name, despite not being associated with me : A collections account of {$410.00} by XXXX XXXX XXXX, opened in XX/XX/XXXX. 
A collections account of {$1900.00} by XXXX XXXX Both of these accounts appear to be fraudulent and are a result of identity theft. 

I have already reported these issues to the credit bureaus and have taken steps to dispute the erroneous accounts, but I believe further investigation and assistance from the CFPB is necessary to protect my financial identity and ensure that the fraud is fully resolved. 

I kindly request that the Consumer Financial Protection Bureau investigate these fraudulent activities, help correct my credit report, and provide any guidance on the next steps I should take to protect my identity. I would also appreciate any assistance in removing these fraudulent accounts from my credit history. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of these issues. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX when I realize I was in trouble I reached out chase filled out loan modification paper cause they said could help me just be told in XXXX that lost all my papers I would have refile them so I did ... .so time went by they kept telling me they need more documents I sent numerous papers all ways get told was n't good enough so behind my back without warning they filed Forclosure on me I found this out when cops served me..so I called them to ask they tell me well all my paper work expired wanted it reviled for 3rd time to be told month later nothing they could do.plus since XXXX I had tried make payments they would n't work with me at all was very upsetting way all of it was handled.come find out chase makes money off ever time they have me file..
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Student loan

Entered into a loan forgivness program with navient andthey did notinform at the timei needed to renew the program every year. So now itshows on my credit report 90 to 110 days late.
Product: Debt collection

Im filing complaint against XXXX XXXX  for the refusal of allowing me access to online website to review or view my debt accounts in regarding to XXXX XXXX 

They expect me to call them every time I need to make payment which I shouldnt have to. If they can display OTHER ACCOUNT THAT IS NO LONGER EXIST BUT wanting to NOT display 2 other active accounts on the account for me to make payment convienetly then I see no point of them even keeping the account for collection. It just the level of stupidity is beyond me. 

They said they cant make my account available to view online is absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX  ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX  ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Friday XX/XX/XXXX : car was involved in accident when another car, other driver was at fault. 
Monday XX/XX/XXXX : contacted lender One Main FinanciaXXXX first thing as was first business day after accident. I was informed at that time that I was being charged extra for their insurance. I went to office to get a copy of policy as ( XXXX. I had never received copy XXXX as this was autopay I really didn't pay attention to the extra charges ) I was also informed at that time that they had sent me XXXX notices back in XXXX of XXXX and since I had not responded the insurance had been added. I asked some simple questions that they took offense to and could not answer. I will list the same questions again. 

XXXX. If One Main has no problem contacting me multiple times by email ; text ; phone calls ; and all of my bills from them since this loan as well as promotions have all come to my address on XXXX XXXX since XXXX, why is it that the only XXXX pieces of mail that dealt with an insurance issue sent in XXXX of XXXX sent to an old address on college? 

XXXX. When my XXXX  and I came in to finalize and close the loan we brought in our drivers licenses ; title ; registration ; insurance that all had the XXXX address on ( my wife had paper copy as well as sticker on back of license for change of address from Michigan secretary of state ) and we filled out closing form with our XXXX address, so how did it not get put in their system correctly? 

XXXX. They stated that my address had been updated in system in XX/XX/XXXX. I asked were they got the new address from as I had never been contacted to confirm? I was told from the File?? 

XXXXI am being told that an insurance that they took payment for to secure the collateral is no longer valid as I had shown proof that I had full coverage insurance ( I'm still being billed for their insurance though ) How can One Main take payment for a service that they have no intention of fulfilling? 

Now I am being told it could take months for them to resolve their issues, but I am still required to pay the monthly payments including an insurance that I didn't need or have to have.
Product: Credit reporting or other personal consumer reports

EQUIFAX FRAUDULENTS HARD inquiries 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.

The accounts below have violated my rights.

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

15 U.S.C 1861 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 hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below 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 or other personal consumer reports

On XX/XX/XXXX I wrote a dispute to Transunion to investigate and remove several accounts on my credit report. There has been no response from Transunion, which means no investigation has been done and the accounts remain on my credit. Im really frustrated that my dispute hasnt been properly investigated. I sent it on XX/XX/XXXX. It's now XXXX of XXXX and still not a peep from Transunion. I submitted all the required information, but nothing was done. Transunion is violating my rights under the FCRA. This is disappointing, and Im requesting that the accounts in question be removed from my report right away. Id appreciate it if you could take another look and resolve this as soon as possible.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting

After further investigation and disputes with the company via the credit bureau, I have found that the information listed on my credit report for TD Bank is inaccurate according to the FCRA which states that the date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. At this stage, the DOFD usually leads to a creditor charging-off the delinquent account. My loan account did meet the DOFD requirements ( 30 days late and no further payments ) to be charged-off by TD Bank. I became aware of a missed XXXX payment that I thought was paid in full in XXXX and made the missed payment. 

TD Bank is erroneously reporting this account as charged-off. The report shows the DOFD as XXXX and the date of last payment ( the final payment ) as XXXX. Further, when making this final payment, the representative did not make me aware that this debt would be charged-off, which I also understand was the banks ' responsibility. I am turning to CFPB for assistance with this matter because I have exhausted all avenues with the creditor and CRA 's through phone calls, letters, disputes, etc. 

Thanks. 

XXXX
Product: Credit reporting or other personal consumer reports

I have no idea why these are reporting on my credit file please remove inaccurate information or XXXX XXXX XXXXXXXX is already liable to pay over XXXX XXXX XXXX  because of fraud and inaccurate information.
Product: Student loan

After Hurricane florence hit the carolinas I called in to see about putting my payments on hold since I was out of work for a week and two days. During this time I also was behind on my payments but I have been making monthly payments, I have submitted a number of documents supporting my income and my cosigner we both are barely making ends meet and im actually trying to make payments and basically I was told that until i'm homeless and hungry they don't care how I make the payments they just need to be paid. After calling and calling I was transferred to the executive office and spoke to a rep who said she would help and of course I had to keep calling because no one followed up, after calling several times being transferred another 7 times, I was told that no one there no could help so I asked for a supervisor at first the manger was at the desk and after the transfer magically he disappeared, and then the answer was o now they have moved on to a meeting. This is the worst COMPANY to ever do BUSINESS with. I Have never seen a student loan company soooooo bad I wish I wouldve never taken this loan out ...