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

I scheduled a payment on Ally Bank app for a bill payment of {$1600.00} on late XX/XX/XXXX. There was no mention of fee {$9.00} from picking the payment date to submission, but I was charged fee of {$9.00} later. I called the bank immediately after seeing the fees and asked them to cancel the transaction on early XX/XX/XXXX, but they can not cancel it with an apology that I should wait for the payment and fee to post to call Ally bank for the credit and this inconvenience was called by their app. I tried calling Ally bank on XX/XX/XXXXXXXX  for the same issue, putting in hold for a very long time for submissions of {$9.00} refund request. The phone representative said it would take a couple days for the credit to appear but after waiting for 7 days I still dont see it yet.
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX XXXX and seen I had fraudulent activity on my credit report. These hard inquiries are not mine and is reporting inaccurately and is hurting my ability to obtain credit. I need them removed Please. 
XXXX XX/XX/year> XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : BANK OF AMERICA XXXX Balance {$15000.00} ; BANK OF AMERICA XXXX Balance {$12000.00}
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT, SOMEONE ELSE IS USING MY INFORMATION TO OPEN THIS ACCOUNT
Product: Vehicle loan or lease

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Enstruction : Please remove inaccurate late payment. Account paid as agreed
Product: Debt collection

GLOBAL PAYMENTS CHECK SE XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with GLOBAL PAYMENTS CHECK SE. Please delete this account from my credit report. 
This can be done by submitting a UDF form to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been 60 days, no response and all 3 bureaus disregarding the law by not responding to consumer disputes & hopefully this will be the last time they do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  XXXX. 

XXXX XXXX : XXXX  15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

A class action lawsuit against Santander bank was bought forth last year which I was one of the victim 's in the lawsuit. Santander bank was accused of fraudulent and predatory car loans which has been deemed illegal. The case was settled out of court and Santander bank was required to remove all loans and or Derogatory remarks on my credit report. The class action lawsuit is very much public information. I would like this account to be removed from my credit report. 
Your efforts in investigating this matter would be appreciated. Please respond at your earliest convenience regarding the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Product: Debt collection

This company is attempting to collect for an account I never had or opened. This is a fraudulent account that I did not open or affiliate with. I want this collection account removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On My credit report from XXXX XXXX, XXXX Account Name Elan Fincancial Services Account Number : XXXX  Status Account charged off. {$1900.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
The Credit never send a 1099-c in XXXX and has be misreporting to the credit bureaus and agencies. 
I Send a certified letter on XXXX XXXX and it was delivery on XX/XX/XXXX, XXXX : Elan Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am requesting a copy of a 1099-C that I did not receive for XXXX. 

Sincersly, XXXX XXXX XXXX
Product: Mortgage

NewRez is using their Loss Draft department to earn profit at their clients expense. I am trying to get my insurance proceeds released to me. I have completed and complied with all the applicable requeiments and documents however NewRez Loss Draft department continues to delay for no valid reason. They are doing this intentionally so they can hold onto clients money longer and earn more interest on our funds however they are causing harm to clients by intentionally delaying the misleading clients for these payments. I will have stops to project work and or financial costs to float the funds while NewRez intentionally delays processing for their gain. They have also lied to me many times about how long it will take to process my funding and over several phone calls i have discovere their is no real reason they are dragging their feet leading m to the conclusion it is only for thier financial gain. This would probably be a great class action lawsuit.
Product: Credit reporting

I recently spoke with Transunion about the credit inquiries on my credit report that didnt belong to me. They mentioned there was a glitch with all inquiries being wrongly placed on all Transunion credit reports and could not assist me with the removal of the ones placed on mine. Please assist with getting these items removed. It 's affecting my credit score. I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611. 

XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear MoneyGram XXXX, The funds ( {$300.00} ) have disappeared, and I was informed by MoneyGram that MoneyGram was returned the money back to my XXXX Credit Card. 

XXXX repeatedly contacted you in order to get the funds and MoneyGram told XXXX that the funds were transferred to the recipient which is untrue information and conflicting with your previous response. 

Please refund my {$300.00} to XXXX in a timely manner since it was never received by the recipient and never returned to XXXX. Simply, kept by MoneyGram. I will pursue this until to the Court if you continue to keep the money unlawfully. 

Transaction date : XX/XX/2020 Amount : {$300.00} Money Gram transaction Number : XXXX Previous responses and history of communication are attached here. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Capital One Rewards card we have been using for over 20 years did not send us a new card this year. Our renewal date is XX/XX/2020 and we have not received our card in the mail automatically as we have for years. Called about it and they are stalling and will not renew our card. We pay our bills monthly, no problems. They have not sent us a new card so it looks as if they are going to dump us. Question one : Can they do that to a customer they have had for years. Question 2 : Why would they do that? We are Senior citizens staying at home because of the Virus and now we have no credit card to use due to no fault of our own. XXXX
Product: Credit card

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

WF CRD SVC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX
Product: Debt collection

I have a a unverified account from CHOICE RECOVERY INC # XXXX I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

XXXX of my relatives received a phone call from XXXX to locate me but they refused to provide an information. I called them and they said I have an unpaid debt from XXXX XXXX and did not provide me enough information but only provide a named XXXX XXXX. Also, they refused to tell me which company they are calling from and threaten to file a lawsuit against me. I tell them I will call my creditor for more information. Later on, I spoke to the creditor, they provided me the 3rd party collection information called DNF Associates ( who actually is handling my account ). I called XXXX XXXX and told me to get information for DNF. I realized this guy was being shady.
Product: Credit card or prepaid card

The cost of my online order was changed after I placed it. My order confirmation reflects the charge I authorized, {$70.00}, and by the time the item has shipped the adjusted cost of the order has been buried in the bottom of an email, now {$73.00}. An incremental charge of {$2.00} is listed on my statement that, and the new order details online reflect the adjusted {$73.00}. I called to dispute the charge, had to navigate four customer service reps over almost 40 minutes to have it removed. The person who finally agreed that it would be removed wouldn't let me finish a sentence, informed me that my dispute of {$2.00} is ridiculous ( which is not up to him ), that they regularly adjust prices after the transaction to account for where the product is located when it's ordered ( which it seems to me they should already know when I submit my order ). It's sneaky at best to mislead online customers as an expected business practice. There are no disclaimers about adjustments on my receipt.
Product: Debt collection

I got a call from stellar recovery. The lady tells me that i have debt with XXXX for XXXX. I told her that this is the first time i had heard about the debt. I asked her some questions as to when this so called debt happened, she says it is from XX/XX/XXXX. I said i do n't believe that was correct last i remember XXXX was after me to turn there equipment which i did. I asked her if she could validate the debt and she said so you are disputing that this debt is valid, and i said i would like some proof and she said ok and hung up. This call was made approximately on XX/XX/XXXX. I got an email this morning that may credit score had dropped i have a collection account from stellar on all XXXX bureaus. I have so many phone calls from fraudulent outfits lately, just last week i got call from the irs saying that i owed them XXXX dollars and if i did not pay they would arrest me.
Product: Money transfer, virtual currency, or money service

I made a XXXX transfer for XXXX to Coinbase on XXXX XXXX 2017 Payment was sent from my XXXX XXXX  account and Coinbase received it but its not showing on my Coinbase account. 
Its now 14 days since the transfer with no funds showing, I have made multiple calls to which Im told its passed on to the correct department but I havent heard anything. 
All emails go unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax via certified mail in response to a recent claim that the Illinois Federal Court verified the bankruptcy under my name is accurate. I challenge the accuracy, compliance and reportability of this listing because the information was NOT released via United States Federal Court but through a 3rd party XXXX/XXXX. And with this information being obtained through a 3rd party and NOT DIRECTLY from the court this is a violation of the Fair Credit Reporting Act. Equifax failed to validate this information through the Illinois Federal Court, providing me with documentation of any viable evidence bearing my signature that I gave this 3rd party XXXX/XXXX  consent to release any information on me. In my letter in XXXX, I requested a reinvestigation and Equifax method of verification and to this present day I have yet to receive that information. I informed Equifax that as in Wenger vs. Trans Union Corp., No. 95-6445 ( C.D. Cal, Nov. 14, 1995 ) they may be liable for the willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX 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, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Checking or savings account

This financial institution has been engaging in financial crimes and fraud. This financial institution has opened or allowed to be opened one or more business accounts with my information which was used by bank members to engage in bank and/or wire fraud. The bank violates the state of new york 's laws with respect to privacy laws, data security, bank fraud, wire fraud, unlawful tracking, stalking, and camera monitoring together which the bank uses for or enables socially engineered fraud very similar to the XXXX XXXX unauthorized product fraud scandal. XXXX is doing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the company and inquiry about a negative on my credit report and its states that I am been late in paying them every month with credit bureau. The account has been close for three years so how can I be late paying them.
Product: Mortgage

In XXXX XXXX I applied for a loan Mod with Seterus. Everything was completed ( trial period ) and I was sent the Loan Docs to sign. The name ( another parties name ) was not right and we were told not to sign to send back. XXXX back and received them back a couple of weeks later. We signed and sent back. I started calling when I had not received the notification that everything was ok. I am told that everything is being processed. Things went down hill from there. Told that the Mod had been denied and not to make any further payments. I still called several times a week to find out what was happening. I had XXXX XX/XX/XXXX so I stopped calling so I could recoup. In XX/XX/XXXX I called again and was told that the Mod. had been approved on XXXX XXXX 2016. So I called a rep at XXXX and stressed my concerns with what was going on. The next thing I knew I received a Dismissal of Foreclosure and the Loan Docs. So I started paying the payments in XX/XX/XXXX. Now I received a call reflecting that we are five months behind and getting ready to go into foreclosure again. I have written documents from Seterus reflecting payments being made from the Suspense fund now I am told that that was not right everything was wrong. So how do I know what is right. Also I was charged twice for attorney fees. The list goes on!!!!
Product: Debt collection

XXXX XXXX of Contract Resolve Group L.L.C. in XXXX, Texas wo n't let up. He is slandering our name and business all over the place. Calling my boss at my job, calling our landlord and other people who have nothing to do with this bill owed and telling them how much we owe. This should be considered unfair practice. This debt owed is no one else 's business.
Product: Checking or savings account

I received mail stating a Bank of America account was opened in my name and that they needed my id to continue opening the account. I phoned the number on the mailer telling them that it was fraud and to close out the account immediately. They went on to say I needed to send them all of my personal info so that can do an investigation, I told them no. I continue to receive mailers stating they couldnt close it out because I did not provide my SSN, ID, RENTAL records, etc. I alerted experian of this issue. I just dont think it is right to submit my personal info to close an unauthorized account to begin with.
Product: Checking or savings account

Every month there is a debit to my checking account. It states it's from XXXX XXXX XXXX CA for XXXX. Sometimes this scammer withdraws money from my account multiple times in one month. This has been going on for about 10 months so far. I reached out to XXXX. They claim they do not see an account for me. But yet money is taken from account every month. The bank has told me if I suspect fraud. I would need to cancel my debt card and get a new one. But what does my debit card have to do with the transaction. They are pulling this money straight from my bank account. I have had so many issues with Bank of America since I have been banking with them. Another example is charging me overdraft fees for an overnight over the limit transaction in which the next day when I recognized I need to transfer money from my savings to cover the purchase. I have done that. But the bank still charges me overdraft although I covered the extra that was due the next or sometimes same day.
Product: Credit reporting or other personal consumer reports

XXXX lost a wire transfer from Police and XXXX XXXX XXXX XXXX XXXX and was sent fax proving sufficient funds for mortgage payment. I've talked to XXXX numerous times with no resolution over the past few months. My credit status is suffering because of this. Have had credit card companies close my account because of this. 

I'm attaching documentation of completed mortgage payments that are being disputed by XXXX.
Product: Credit reporting 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 XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX Credit Card I have XXXX credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXXs of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2024, I fell victim to a multilayered scam operation orchestrated by ws-booking.com which involved me making deposits for a total amount of XXXX ETH from my Crypto.com account to fraudulent investment firm.