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

On XX/XX/2022 I opened a new CD account at Ally Bank online. I had been trying to get in touch with their 24/7 customer service for days and was on hold for up to 8 hours at a time. So when I decided to take care of it online I accidently opened and funded 5 year term instead of 3 year term. Once again I immediately called 24/7 customer service and was repeatedly put on extremely long hold times at all hours day and night. After staying on hold for 8 hours the following day, I was told Ally Bank would charge me {$120.00} + of I wanted to change to 3 year term. I explained that if they had someone available to help me in the first place this would not have happened. I want to close my CD account all together now, without penalty. I have done business with Ally Bank for over 5 years and never waited for more than a couple minutes on hold, even at the highest times of Covid.Dont know what's going on with them but it doesn't look or sound good.
Product: Checking or savings account

I am writing to formally express my concerns regarding XXXX  's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX  numerous times and reporting discrepancies, my financial institution and XXXX  failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX  has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information
Product: Money transfer, virtual currency, or money service

I made a transaction with Paypal on XX/XX/2020 and the money still on hold and Paypal do not help me to cancel this transaction. Paypal do not give me the option to get my refund.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed inquiries or collection that I have NOT given written instruction to 3rd party to report to my file. 
According to The FCRA this is in violation of XXXX XXXX XXXX - PERMISSIBLE PURPOSE. Please understand that no consent is IDENTITY THEFT. I AM DEMANDING THESE ACCOUNT BE REMOVED IN 2 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

On XX/XX/2024, I purchased a XXXX  XXXX XXXX XXXX XXXX XXXX for {$330.00} through XXXX XXXX XXXX the seller XXXX. The order was guaranteed for same-day delivery but arrived several days late, rendering the item unnecessary as I had already purchased the tool locally. When the delayed package arrived, I immediately initiated a return without opening it. 

XXXX confirmed receipt of the returned item on XX/XX/2024, as evidenced by my XXXX account correspondence and their statements in multiple chats. They also confirmed that the item was inspected and restocked. Despite this, XXXX has refused to issue a refund unless I provide sensitive personal information, such as a government-issued ID, passport, and my Social Security XXXX XXXX which I declined for privacy and security concerns. 

On XX/XX/2024, after waiting over 30 days without receiving my refund, I escalated the matter to Apple Card XXXX Goldman Sachs Bank ). I submitted a comprehensive dispute packet XXXX separate times, including : XXXX. Order Confirmation Details. 
XXXX. Evidence of return shipment and delivery. 
XXXX. Chats with XXXX XXXX confirming receipt of the returned item and their promise to issue a refund. 

Apple Card has repeatedly ruled in XXXX favor, stating, XXXX on our review, the original decision will remain because there is no evidence to substantiate the claim. 
However, this decision disregards the clear documentation I provided. 

Amazons failure to refund despite acknowledging receipt and restocking of the returned item is unacceptable. Their demand for sensitive personal information to process the refund is unreasonable and not legally required for such transactions. 

I request the CFPBs assistance in holding Apple Card ( Goldman Sachs Bank ) accountable for conducting a thorough and fair review of this dispute and ensuring XXXX XXXX its obligation to issue the refund. 

I will attach all supporting documentation to this complaint for review, including the full packet sent to Apple Card XXXX Goldman Sachs Bank ) multiple times during the dispute process.
Product: Debt collection

I sent this debt validation letter ( attached ) in XX/XX/2024 and XX/XX/2024 and received no response either time.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report. 
XXXX XXXX  # XXXX - XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - XX/XX/XXXX These late payments could not possibly be accurate, for I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Enclosed is a copy of the order setting the conditions of my release signed by a United States XXXX XXXX and the Deputy Clerk from the United States XXXX XXXX for XXXX XXXX XXXX XXXX Pennsylvania. I was under federal detention for XXXX years straight, so I respectfully request that you immediately delete/remove the late payments from this account being as though I was incarcerated under federal detention. I am also enclosing a copy of my Pennsylvania I.D . and a copy of my credit report. 
I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter. 

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being. 

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution. 
Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.
Product: Credit reporting or other personal consumer reports

XXXX is continuously reporting inaccurate information on my report and refuse to report accurately. According to the Fair Credit reporting Act 15 USC 1681 section 602, it states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. Pursuant to 15 U.S. Code 1681e ( b ) consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is NOT following reasonable procedures to assure maximum possible accuracy. It is reporting inaccurately. Please DELETE immediately all accounts that reference charge-offs.

Pursuant to 15 U.S. Code 1601, all charged-off accounts must be DELETED. 
Conn 's XXXX XXXX These items must be DELETED immediately. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Mortgage

because of covid 19 i missed payment. i amppaying now the mortgage payment every month. i have a balance and want some help to be up to date. i had lost my job before. now i am able to pay the payment not the old balance, i need help thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX  is reporting inaccurate information and in violation of several laws under the FCRA.
Product: Debt collection

I was sued by Ally Bank in XXXX, Indiana. They forum shopped knowing that I was not a resident of Indiana. I have lived in XXXX  and XXXX  for almost a decade. The auto loan they are attempting to garnishing wages for originated in XXXX XXXX, XXXX. I am a resident of XXXX XXXX, XXXX  and work for XXXX in XXXX XXXX, XXXX. 

The address they used in XXXX  is my parents address. My parents told the officer serving the papers that I do not live in XXXX. 

I was never served court paperwork or contacted at the XXXX or XXXX  addresses that Ally Bank has on file. This is obviously because the law would be less favorable to them in these states. 

To make matters worse, Ally Bank was already notified by the three credit bureaus and the FTC that this loan was the result of identity theft. 

Im now being order to appear in court in Indiana for a wage garnishment hearing and can not afford to travel there. I know they have violated the FDCPA and many other laws but I cant afford a lawyer and am shocked that it is somehow my responsibility to make sure this unscrupulous bank follows the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Mortgage

This complaint is in regards to Flagstar Banks failure to comply with : Regulation X Specifically 1024.17 ( f ) ( 2 ) ( i ) - This section of Regulation X addresses Escrow Surpluses. 

An escrow analysis was completed on XX/XX/2023. The analysis determined that the was a surplus of approximately {$85.00}. I contacted Flagstar late XXXX or early XXXX to ask if the surplus was mailed to me. On XX/XX/2023 Flagstar paid the insurance policy for the house. The insurance they paid was@XXXX leaving an Escrow balance of XXXX. 

The representative indicated to me that a decision was made by Flagstar after paying the house insurance, to keep the surplus escrow amount. Flagstar did not issue a check but instead kept then funds but did not and has not as of this writing returned the surplus to my escrow account nor mailed a check. 

In reading Regulation X as it relates to escrow and escrow surpluses, I failed to see a provision stating that if the houses insurance comes in higher than Flagstar expects, that Flagstar can on its own accord, keep the surplus, not credit it to the escrow account, not inform the homeowner of its decision. 

Please provide the Regulation and relevant sections, subsections etc. that Flagstar used in making its decision Either refund the surplus or credit the surplus to my escrow account. I have no desire to donate the surplus to Flagstar.
Product: Money transfer, virtual currency, or money service

Mercari is stealing my money violating my rights I have done business on the platform and my account was closed, now they will not deposit my remaining balance to the account I have on file
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to XXXX, Equifax, and XXXX to have the items fixed on XX/XX/29 and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below : The information about my name is not reported accurately. 
My current address is not listed accurately. 
Certain information about my date of birth is not accurate.
Product: Debt collection

I want to report A collection agency called Property Receivable - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, for harassment has been harassing on a debt I dont owe. As well as report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX. 
Property Receivable said the debt is from an apartment called XXXX XXXX, which they claimed is from 6 years ago for {$120.00}. They have reported this debt on my credit report, once to XXXX and twice times to XXXX. Each time I dispute the debt with the credit bureau, the debt is deleted from my credit report. I have called and requested that Property Receivable provide me with proof of debt, I have not received any proof or statement of debt. Each month they keep re-adding this debt to my credit report and harassing me with calls to pay a debt I DO NOT Owe. They claimed the apartment changed management and the previous property management is not responding to their requests.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX in XXXX Alabama. After the purchase three weeks later I was contacted from the finance company which is Global Lending informing me that they had worked it out to where I could get the car. I then informed them that I already had the car and they were confused so they said they would call me back so they called the dealership once they spoken with the dealership play said the dealership had dropped the ball and that my payments would be lowered {$100.00} due to their negligence then they told me that I would have to sign a new contract my original contract had my gap insurance due to that fact I was working in a retail store and could not leave work which was always made very clear from the day one of the purchase so with that being said they sent someone to my job to have me sign a new contract informing me that only thing changed was my payment due to the negligence of the car dealership well I had a lot of people and all I asked was the only thing changed on here is the car payment so I signed it not knowing that they had taken out my gap insurance I was then hit by an XXXX and after that fact I had for about a year had already been been trying to get that new contract from the dealership I talked to leave the owner countless times and I had to have date and all of that available also this was at no fault of mine due to this wreck it has just diminished my whole life is messed up everything anyway with that being said I contacted Global Lending and let them know as soon as the wreck that happened and then they kept trying to get in touch with the dealership I was been informed that no gap insurance was ever honored and that I would have to take it up with the dealership so that left me XXXX and then on top of that the payoff that was sent to me in paper on a bill like 4-5 months later stated my car pay office only XXXX XXXX and something well once I had wheeled and dealed with the finance company I mean Liberty Mutual who was responsible for hitting me day in and day out from XXXX up to XXXX and something they told me that I still owed {$430.00} well then I told them I would take them to court because that is not what the quote stated on my papers also I never could get my gap insurance honored on top of all of that they tacked on Mini late fees and put me through a lot of hardship then once I told them I would be taking them to court they sent me a check for {$430.00} but on my credit report it states that it is a charge off of over {$14000.00} which is absurd so I have don't look Delta these people hours and hours on the phone I have done all I know to do my I'm exhausted and I don't think it's fair that people can practice business such as XXXX XXXX the way that they did and took out my gap insurance and then I would have been left XXXX and not been able to do anything that I need to do so until my personal injury litigation Czar over I guess that's where I'll take that up so I need that corrected on my credit report it was not a charge-off they were paid in full and some
Product: Debt collection

The rental company failed to appear in court and is now claiming that I owe a debt without providing any details or a formal notice of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report and I am requesting your assistance in getting them removed. The incorrect information are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving this matter with the credit reporting agencies directly. I have attached supporting documents to my letter for your reference, including correspondence with the credit reporting agencies. I believe this documents to my letter will demonstrate the errors made by the credit reporing agencies and support my request for the removal of the disputed items from my credit report. These are the following fraudulent items that are needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My checking account with Upgrade was closed, however, I continue to receive emails regarding an external funds transfer into account which was set up prior to account closure. Since I have no access to account, I am unable to cancel the scheduled transfers which are set up weekly, I believe.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Demand to start review I received a modification in XXXX of XXXX and made more than XXXX payments then received a letter from ASC mortgage, that they wanted me to subordinate a lien not in privity. i HAVE TRIED MANY TIMES TO SUBORDINATE BUT when i finally received the subordinate agreement ASC closed my modification. I have submitted more than 5 times requests to re-review me for a modification and had postponed on my own XXXX foreclosure sales and ASC refuses to look at my requests because of many reasons mainly now saying i received a mod and no more are being offered to me because i can not receive more than one modification. 

I also told Wells my servicer of ASC that my loan i spart of the Department of Justice or National Settlement Program ( DOJ modification program ). I asked for many times written verification of this and never have the servicer or investor responded. 

I also had written three times requesting the servicer to have the point of contact reach out to me and never has the point of contact reached me the bank never went further than a reentry team designed to stone wall me from getting my loan reviewed or put into loss mitigation status for more than a year of me trying.