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

Ally Financial ( aka Ally Invest, aka XXXX XXXX ) failed to perform its fiduciary duty to me and also stole money from my brokerage account. I have been in dispute with Ally Financial trying to get my money back that was stolen from my brokerage account as inactivity fees ; a total of {$200.00} of which I only received {$50.00} refund. Ally Financial still owes me the remaining {$150.00}. 

I accuse Ally Financial of the following : 1 ) Stole money from my brokerage account. 2 ) Failed to perform their fiduciary duty to me as my de facto brokerage firm. 

1 ) I initially opened my brokerage account with XXXX in XXXX. There was no inactivity fees in the agreement. At the time, I was aware of Trade King ( now Ally Invest / Ally Financial after XXXX acquisition ) in that it charged inactivity fees and had decided not to do business with it. In XXXX, XXXX was acquired by XXXX XXXX ( XXXX ) and it became my de facto brokerage firm. I did not have any agreement with XXXX. I was not able to move my account out of the firm because it was the Great Recession and I would have incurred a big lost. Also during the merger, XXXX and XXXX ' CEOs jointly sent out e-mails to XXXX account holder promising to " keep the same ... products and services that attracted them to XXXX to begin with. '' ( Refer to attach document Doc1 for e-mail printout ). However, XXXX broke that promise by stealing money from my account yearly from XXXX to XXXX as inactivity charges. I have been in dispute with Ally Financial to recover my money. 

2 ) I have been contacting Ally Financial to recover my money but the firm was not interested in helping me. It has failed to perform its fiduciary duty to me. In XX/XX/XXXX, I did a web chat with agent XXXX and he agreed to give me a refund of the inactivity fee from 4 years, that would be {$200.00}. However, I found out some time later that only {$50.00}, one year of fee was refunded. I asked for 4 years in my original chat, so I went on web chat again, and was connected with manager XXXX XXXX. He told me that XXXX did not mean what he said and that he only agreed to give me one year 's worth of fee that was {$50.00} instead of the {$200.00} that I asked for. He said that XXXX could have been more clear, but then did not rectify the problem, and instead continue to say that company policy only allowed for a one time refund. XXXX ended the chat with while I was still inquiring about the money. That was not customary business practice. I accused Ally Financial of failure to act in my best interest. The firm and its agents did not honor their words with me. All in all my account was hit with more inactivity charges than commissions for the service. 
( Refer to attach document Doc2 and Doc3 for chat transcripts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used to attempt to open an account with XXXX. This appeared as an unauthorized credit inquiry on my credit report. I was contacted by XXXX as well as local law enforcement. See FTC Identity Theft report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my report that are reporting inaccurate information. The FCRA says my report must be 100 % accurate and my rights are being violated
Product: Debt collection

I opened a cell phone account with XXXX XXXX somteimes in 2017 at the XXXX XXXX Branch on XXXX XXXX, XXXX, CA. I used the phone for barely a week, returned the phone back to the location, paid the re-stocking and the usage fees and cleared the account. Few month back I pulled my credit report and noticed a {$52.00} debt collection being reported as not paid for 15 months. At no times, XXXX ever contacted me, or sent a letter of unpaid charges ( if any ) or made an attempt to notify me. This in my books a fraud and illegal misuse of an account by a XXXX loaction/XXXX. They sold the account to the debt collector in XXXX, TX ( XXXX XXXX XXXX, XXXX, TX XXXX ) XXXX named SOUTHWEST CREDIT SYSTEMS. This debt collector agency and XXXX XXXX both gave me run -around for about 3 months with every time something new to inform or for me to do. 

Due to their negligence, I am unable to secure a good car loan rate due to 15 months of late/unpaid payments showing up on my account. After getting fed up, I cleared the account and paid the {$52.00} but my credit is scared forever showing 15 months of late payments. It's their unwillingness to cooperate, investigate and or clear the account resulted in a painful experience for me. 

Again, we are talking about {$52.00} and I had no problem paying but it was a matter of principal, right business practices and legally to help the consumers.
Product: Credit card or prepaid card

The same exact thing happened that happened to me for 6 months last winter, finally resolved with your help XX/XX/XXXX ..... 

I attempted a balance transfer payment in XXXX of XXXX to help pay down my home equity line of credit. The payment shows as PAID on my Capital One card statement, dated XX/XX/XXXX ( {$1500.00} + {$45.00} fee ), yet the balance remains UNCHANGED on the home equity loan which the payment was intended to pay-down. 

Capital One is using the exact same verbiage they used last XXXX, blaming XXXX for the error. Saying I haven't waited long enough. Saying it was a paper check that must have gotten lost. Saying they canceled the transaction, but I need to wait XXXX business days ; but then I called back to make sure the transaction shows as cancelled and they started repeating the same jargon they tried on me last winter. Exactly the same script. 

THIS IS FLAT OUT FRAUD - ESPECIALLY SINCE IT HAS HAPPENED TWICE IN A ROW!
Product: Checking or savings account

Well, I have called Capital One on SEVERAL OCCAISIONS to dispute these UNAUTHORIZED transactions. I have myself ATTEMPTED to contact those companies and THEY DO NOT EXIST. I started my life working for XXXX XXXX managing his finances and spent 25 years in the FINANCIAL INDUSTRY. I keep METICULOUS NOTES on EVERY TRANSACTION in 4 FOUR different devices via screen shots, & typed notes on my XXXX XXXX. For example, there are SEVERAL coming from a fitness center and they told me they would issue a credit to my account. I had to call AGAIN A FEW MONTHS LATER as I looked and found that my balance was excessively low and I would not be able to pay my monthly rent. So AGAIN I noticed SEVERAL OTHER CHARGES MADE TO MY CHECKING ACCOUNT and this account is NOT SUPPOSED TO HAVE ANY WITHDRAWLS ON IT AS IT IS for me to get a PLACE TO LIVE!!! The balance is never high enough for me to take advantage of the opportunity to PAY THE DEPOSIT BECAUSE AGAIN Capital One is STILL GIVING MY MONEY AWAY WITH OUT MY PERMISSION! I am so tired of them giving all my money away to strangers and I never get the chance to even talk to them about the XXXX dollar charge to my account for a persons cable bill. I obviously DO NOT HAVE A CABLE BOX NOR A TELEVISION TO HAVE A CABLE BILL NOR HAVE I EVER HAD A CABLE BILL NOR EVER WATCHED A TV SHOW IN MY LIFE!!! Every time I call them NOTHING EVER GETS RESOLVED AND AGAIN I WILL NOT HAVE A XXXX AND BE ABLE TO EVEN PURCHASE A CELL PHONE AS THE XXXX XXXX XXXX XXXX I still have does not fully function. I did purchase a {$900.00}. XXXX XXXX from XXXX and is NOT A TOUCH SCREEN and it literally took me XXXX hours to ATTEMPT to create an account with this establishment since the touch screen does not work AT ALL and IT IS NOT EQUIPPED WITH A MICROPHONE SO IT IS COMPLETELY USELESS. Yes I AM using a computer to type this. Okay, Capital one has withdrawn about {$990.00} dollars from my checking account and ACCORDING TO THE LAW THEY MUST NOTIFY ME IF THEY ARE INTENDING TO DO THIS. I have read about the laws and they are in VIOLATION of too many to list here. I have told them that all my PURCHASES are made to my CREDIT CARD AND MY ONE BANK ( NOT CAPITAL ONE ) ACCOUNT IS USED TO PAY THOSE XXXX CARDS ON A MONTHLY BASIS. THEY THINK THAT I WONT LEAVE THEM BUT I AM GOING TO CLOSE ALL MY CREDIT CARDS AND BANK ACCOUNTS WITH THEM on XXXX XXXX. I am tired of them STEALING MY MONEY BEHIND MY BACK AND GETTING AWAY WITH IT!!! Yes I am reporting them to the XXXX XXXX XXXX, the Federal Trade Commission and the Rip Off Reports when I am done with this site.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain creditXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX a copy of my copy B as evidence that my student loans with the department of education were completely discharged and should be marked paid as agreed, as the current status is showing delinquent payments, which is hindering my ability to utilize my credit, which is causing me serious harm. 

Since XXXX is the loan services who is actually reporting on my credit and not the Department of Education who is the original furnisher of the loan, II sent evidence of my copy B to the loan servicer. Seeing as they have access to my credit report and it must be as accurate as possible when they are aware that information may be reporting incorrectly, I am expressing the GRAVE duty they have in maintaining my credit report, as they have Assumed the role in credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked Trans-union to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.
Product: Debt collection

I requested on numerous occasions for documentation on this debt. I requested signed documents. They will not respond to me, they respond to my girlfriend and sent her a settlement letter, no signed documentation. 

This is effecting my ability to lease a home or apartment. I am asking that this debt be deleted from all 3 major credit bureaus, XXXX, XXXX, and XXXX. The XXXX collector is unable to provide any kind of proof that this debt is valid. I have no validation of this debt.
Product: Debt collection

Told them to see Bankruptcy that was DISCHARGED XX/XX/XXXX COLLECTIONIS SHOWING AN OPENING OF XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Product: Debt collection

I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved.15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX XXXX XXXX made me purchase insurance separately.
Product: Checking or savings account

Early in XXXX of XXXX a predatory lender, " finwiser '', gained access to my checking account at Chase Bank. I discovered this discrepancy when I was discharged from the XXXX on XX/XX/XXXX, XXXX I immediately called Chase Bank. They claimed they could not help me. At this point finwiser had already withdrawn nearly {$1000.00}. When I contacted finwiser they claimed I'd agreed to pay them nearly {$16000.00} for a {$4500.00} loan. I explained to them that was illegal and I would never agree to such madness. They said to bad. Despite daily pleas with Chase to stop payment on this, predatory and abusive lender they refused. In XX/XX/2021 Chase gave this lender {$900.00} on an empty balance and added {$100.00} in overdraft fees. I've begun the process of changing financial institutions. Just this week, XXXX XXXX, Chase gave my entire checking balance, {$390.00} XXXX, to " XXXX XXXX ''. They have refused to refund my money even though I can not afford to donate my entire balance to anyone. Please help!
Product: Debt collection

I never received a call, letter or notification from this company. All of a sudden it popped up on all 3 of my credit reports. Called them and asked to explain no response phone call dropped no answer when I called back to see what this is about. Last week XX/XX/2020
Product: Credit reporting or other personal consumer reports

I pay to have my credit professionally monitored for my protection. Equifax has blocked my credit report without notice to me or without cause. I have tried to have it unblocked by Equifax without success. I want it restored and the block removed so that I can successfully see my credit report that I work hard to keep in good standing. I would like for the CFPB to step in to resolve the matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO EXPERIAN. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX  THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY CAPITAL TO THE CFPB.GOV XXXX XXXX XXXX XXXX. IS KNOWINGLY AND FALSELY REPORTING TO XXXX  THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XXXX XXXX XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. XXXX IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY XXXXE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.
Product: Student loan

They increased my student loan interest rate, nearly doubling it. This happened in XX/XX/2018. They have been contacted and informed of the increase. They have given no reason for the increase. And they have opened a case to recalculation the student loan interest rate. But they have yet to correct the student loan interest rate to the right percentage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 incorrect addresses on my credit report.
Product: Debt collection

Company has called me and left a voicemail. As I was listening to this voicemail, I received a message from my mother stating they have tried to contact her as well on multiple different occasions.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.
Product: Mortgage

I refinanced my mortgage with another instituation and this loan was paid off on XX/XX/XXXX. In that process, the escrow with the original lender was to be refunded to me and was identified as due to me on the loan closeout statement from BOK Mortgage in the amount of XXXX. I checked my online account and the loan showed as closed less than a week later and showed the amount to be refunded to me in the system and contact informaiton for me was confirmed as correct and a check was to be mailed. After over a month of not receiving the check I called the company on XX/XX/XXXX and complained and was told I should wait another 10 days to receive a check and I refused and requsted that the check be issued a stop payment and a new check be issued immediately. They agreed and stated it would be mailed and should be received within 10 days. 

After again not receiving the payment within 10 days, I called on XX/XX/XXXX and was told that the original check was issued a stop payment and a new check was NOT issued. The bank continues to un-lawfully hold my money and earn interest, etc. and appears to actively be aiming to delay issuing my refund for as long as possible! 

I demanded that a check be issued and over-nighted to me to ensure receipt and was told they would take another 3-5 days to print the check and could not confirm when the refund would be issued or when i would receive it. I was clear with them that I was aware of CFPB Regulation # XXXX that governs the timely distribution of Escrow refunds and that this immediately needs to be resolved. I received a call from a supervisor after hours, and i returned the call but only reach voicemail. Now today, i have placed a second request with general customer service to have a manager call and resolve the issue so a check can be issued and i have not received a call back. 

Please help! This is a significant amount of money that is important and needed to support my family, during a pandemic no less. Just another example of a major financial institution demonstrating that I am just another number and not important. I hope the CFPB can assist.
Product: Credit reporting or other personal consumer reports

MY LIFE HAS BEEN A MESS AND IT IS REALLY TRAUMATIZING TO ME. I AM A VICTIM OF XXXX TRAFFICKING. SOMEONE HAS BEEN USING MY IDENTITY FRAUDULENTLY TO OBTAIN SERVICES AND GOODS. I AM WILLING TO WORK WITH LAW ENFORCEMENT TO CAPTURE THE INDIVIDUAL RESPONSIBLE FOR THESE FRAUDULENT ACTIONS.
Product: Payday loan, title loan, or personal loan

I have been a customer of Armed Forces Loans for a period starting on XX/XX/XXXX until XX/XX/XXXX. I was never late in the beginning I could refinance my loans after I reached a certain point of paying my loan down. I had a disagreement with two of there employee 's and since that time I have been denied for several different reasons why I could reapply this has gone on for at least two years every time they denied me. They have totally blocked me from getting any loans based on my credit I had the same credit the first time I applied I have a 5 year history with this company now I the bad guy. I know they have violated my Constitutional and Civil Rights by discriminating against me with false reason. There next denial was today after they told me I had to wait until XX/XX/XXXX which was a year long wait to just apply.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me. 
2. Provide me a certified copy or an original contract, with my signature. 
a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question. 
3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place. 
a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal XXXX XXXX against you. 







By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

The following inquiries need to be removed from my credit report. 

INQUIRY : REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX