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

I have a checking and savings account with Ally Bank. 
I received a large check from the County in which I live, a check from a government fund that was provided to me for the purposes of housing relocation Before depositing it with Ally, I verified with them via telephone that I could submit the check to them via mobile / echeck deposit, and that {$300.00} of the funds would be available the next business day, and the remainder on the XXXX business day. 
The first {$300.00} was made available as promised. 
Exactly XXXX hour before the remainder of the funds were to be made available, they froze my account and all of the funds and transferred my account to their " Loss Prevention / Fraud Department ''. 
I have spoken to XXXX different people in that department who have been beyond rude, accusatory, arrogant, and condescending, and on a power trip because I am at their mercy I have been told : -Send proof of the validity of the funds and they will be released to you immediately. I did this and the funds were still not made available. 
-Then I was told that the first rep was incorrect, it will take XXXX days to review this " suspicious '' check I had deposited. 
-Then I was told that providing the proof I provided would not have any effect on their review of my account and the check, that it will take a solid XXXX business days for these funds to become available. 
-Then I was told to call back the next business day and speak to a rep and just ask them to call the bank the check was drawn on to verify the funds and the money would be released to me. 
Nobody there knows what the proper procedure is, ALL of them have accused me of trying to deposit a fraudulent check, ALL of them have been rude and argumentative and a couple were even threatening. ALL of them refused to let me speak to a supervisor. 
They have also blocked all access to my account, I can no longer log into my account online or through the app to at least monitor the progress of my account and they are holding {$16000.00} of my money. 
Because of this I lost the housing I was supposed to put a deposit on using these funds.
Product: Credit card or prepaid card

I received no notification that my account would be closed.. I went on vacation I tried to use my card and it declined. A few weeks later I received a letter stating the account was closed. I recieved the letter XX/XX/XXXX when I called they said I couldn't reinstate.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit card or prepaid card

There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I had multiple issues resolving this with Citi. I resorted to finally opening a complaint, XXXX, with the Consumer Financial Protection Bureau ( CFPB ), this website. 

On XX/XX/XXXX the CFPB closed my complaint XXXX providing information that Citi would credit the account. Citi provided information on XX/XX/XXXX that Citi would credit the account for the full amount of the fraudulent charge. This would be the second time for Citi to 'credit ' the account. The account was credited once before, then reversed back to having a balance. 

The day after it was indicated a credit would be applied, XX/XX/XXXX, I received an email from Citi indicating a balance remained on the Citi account. When I checked on-line the balance is the fraudulent charge minus an {$0.00} credit and that payment is due. 

At this point in time, XX/XX/XXXX, I have both Citi and the CFPB, indicating the complaint closed and the issue is resolved. However, I have an e-mail today indicating it is not resolved, and when I check Citi online, the balance remains. I would like to think this is just a delay in the credit, but I have no tangible evidence. As Citi reversed this once before, and there is a balance showing online for the fraudulent change from XX/XX/XXXX, my assumption is the issue is not resolved and the credit has been reversed again. As such I am opening a second complaint.
Product: Debt collection

The collection on my credit report is for XXXX dollars for a place that i had moved out of and taken my name off the lease. I also had a deposit for {$450.00} that I never received back. It was a lease that was split with another person ( XXXX XXXX and XXXX XXXX ). After the 6 month lease was up I had my name taken off the lease and my deposit was taken from me. The XXXX other roomates continued to live in the residence and they would be responsible for any money owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I put two disputes with the three major consumer reporting companies, trans union, XXXX, XXXX, for accounts XXXX XXXX, and XXXX  XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for trans union deleting XXXX XXXX, but the other agencies didnt respond nor did trans union respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXXXXXX XXXX and XXXX XXXX  from Consumer reports, this is my request that the CFPB so action
Product: Credit card

Good afternoon I contacted Citibank multiple times about two credit cards XXXX XXXX and XXXX XXXX XXXX XXXXXXXX for many terms is the first I see they provide documentation and the documentation that they provided when the card was open and where they send the card the card was not sent to my address so they open a fraudulent account and send the card to our address I have never live an associate myself with once again. I am reaching out to them to provide more documentation about the account about the address they sent the card to And the application that was submitted to them. I have never associate myself with XXXX XXXX XXXX XXXX but they sent a card dear without my permission and dont my knowledge this bank must hold accountable for their actions.
Product: Credit reporting or other personal consumer reports

My student loan information was released to XXXX  without my consent
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt referenced in a notice I recently received.

My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature.

2. A detailed account of the debt you claim I owe.

3. Proof that you are licensed to collect debts in my state.

Please suspend all collection activities until this debt is validated. Also, as this account has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature.

If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction
Product: Mortgage

I just received a package today XXXX XXXX, XXXX from Nationstar Mortgage. The Package contained documents to be completed and return to Nationstar Mortgage in order to begin evaluation process for the Making Home Affordable Modification Program. They started by saying they receive inquiry for the Making Affordable Modification Program from me which I did not ; that is a lie. Nationstar sent me this same kind of package twice in the past in which I told them I did not seek inquiry about Making Home Affordable Modification Program. I applied for Making Home Affordable Program in XXXX and I was well qualified then for the program with XXXX XXXX Home Loan Corporation. In XXXX Nationstar became sub servicer to XXXX Bank, then the XXXX Servicer and eventually took over my XXXX Loan Modification. The modification is still in progress and never was concluded till this day. I have already been considered and qualified for the program in XXXX. It looks to me is a scheme to deceive me to sign me of my XXXX Loan Modification they took over in XXXX. They are playing hardball with me which they have been doing since XXXX. Nationstar have been trying hard to steer me off the XXXX Program in order to get their way. Attached is the letter and the documents they want me to complete and return. They are trying to make me look as if I am a new applicant to XXXX Program. I have been through XXXX extensions of Mortgage Modification in XXXX and XXXX already. This is another lie, and steering and playing of hardball are what they have been doing with me since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Mortgage

Navy Federal Credit Union is not compliant with 12 CFR 1024.35 ( d ), which states, Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. 

On the evening of XX/XX/, I sent an error notification email to executive-level personnel at Navy Federal Credit Union , including the President/CEO, all members of the Board of Directors, all members of the supervisory committee, Chief Compliance Officer, Vice President of Operations and others, as it applied to multiple errors over the past year. The Error Notification Email is attached, which provides all entities that the email that was sent ( *Please note, no email undeliverable message was returned, meaning each email recipient address was a valid email address ) and the information regarding error notification provided to Navy Federal Credit Union by their consumer. 

There was no written response acknowledging receipt of the notice of error. I would like to add that the notice was received by Navy Federal, as two voicemails were left on my phone and an email after the two voicemails that stated, I am reaching out about your recent experience with our Assumption team. I was hoping to get the opportunity to discuss this further with you at your earliest convenience. I can be reached at ( XXXX ) XXXX. As a consumer, this email does not provide any appearance as a written acknowledgment regarding a notice of error. 

The maximum required time of five days has been exceeded, and Navy Federal Credit Union has blatantly disregarded the procedural requirements for responding to written information requests or complaints of errors to consumers. This continues to be a trend.

12 CFR 1024.35 ( e ) is the legal requirement that directs Navy Federal Credit Unions response to notice of error. The time limit requirement in 12 CFR 1024.35 ( e ) ( 3 ) ( i ) ( C ) is 30 days, which must be complied with no later than the close of business on XX/XX/, including the response to the notification of error as directed in 12 CFR 1024.35 ( e ), or it will result in another action of noncompliance of laws, rules, regulations, etc. that the consumer has encountered for over a year.
Product: Credit reporting or other personal consumer reports

Upon thorough review of my credit record, I discovered concerning late payment entries that remain unresolved and demand immediate attention. Despite sending multiple written communications over 30 days ago requesting validation of these items, I have received neither acknowledgment nor proper verification of these reported late payments, leaving me in a state of uncertainty and frustration regarding my credit standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report related to my XXXX XXXX XXXX XXXX  account number XXXX. Despite multiple rounds of disputes, this matter has not been adequately investigated or resolved, and inaccuracies remain on my credit file. 
The specific issue pertains to a 60-day late payment reported for XX/XX/2023. This information is inaccurate for the following reasons : 1. XXXX correctly reports that I was never late on this account during the disputed dates, further proving the inaccuracy of your reporting. 
2. It is not possible to have a 60-day late payment for XX/XX/XXXX  when XX/XX/ is reported as on time. This inconsistency demonstrates a clear error in your records. 
Despite my initial dispute and a subsequent reinvestigation request, your agency has repeatedly " verified '' this inaccurate information without providing sufficient evidence or details about the verification process. This lack of thoroughness and failure to ensure accurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates a complete and fair reinvestigation of disputed information. 
I demand that your agency : 1. Conduct a thorough reinvestigation of the XXXX XXXX XXXX XXXX account. 
2. Provide a detailed explanation of the verification process and the evidence used to confirm the 60-day late payment. 
3. Correct the inaccurate information and send me an updated credit report reflecting this correction. 
Enclosed, I have included : A copy of my XXXX credit report showing no late payments for the disputed dates. 
A copy of my credit report from your agency highlighting the incorrect reporting. 
Correspondence from previous disputes and any supporting documents. 
Failure to conduct a proper reinvestigation and correct this error within 30 days will leave me no choice but to escalate the matter further, as noncompliance exposes your agency to statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
I trust that you will act swiftly and responsibly to resolve this issue. If you require further information, please contact. 
Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I went to pay my monthly bill last month XX/XX/2024. ( the bill included the annual fee which I was unable to pay the month prior because I had not received my physical card which you need to unlock your account ). I went in the mobile website on my phone. When I went to pay I entered all my information as usual. There is a prompt that says do not refresh. After submitting the payment my screen didnt display the full webpage. I didnt refresh the page because I didn't want to get double charged. I went about paying all of my other bills as I dont normally see the withdrawal from XXXXXXXX XXXX post for 2-3 days. In that time I figured that my bill was paid and that the websites issues had been resolved. 30 days later I receive a late payment delinquency on my credit report from XXXX XXXX despite my payment attempt. The account has a XXXX balance and nothing is owed. Its insane that my score was dropped due to XXXX XXXX technical issues. I made the payment on time their website was just having technical issues. I need for them to fix their mistake.
Product: Mortgage

We have a second mortgage with GreenTree, now known as Ditech. We went though bankruptcy because of a failed business in XX/XX/XXXX / XX/XX/XXXX, and GreenTree provided us with a XXXX XXXX, to which we agreed. The XXXX XXXX changed the terms of the loan, providing a lesser payment. Similar to the payment we had been making through a modification agreement prior to bankruptcy. Once the bankruptcy was discharged in XX/XX/XXXX, GreenTree started calling the very day of discharge, and we continued making our payments. There was one month that GreenTree called seeking a payment earlier than we were going to make it, we agreed, and GreenTree accepted a telephone payment, and our bank electronically paid the account due to an oversight, and GreenTree refused to reimburse the second payment, although it was a detriment to our family at the time. Our credit reports show Ditech as showing us XXXX times past due, although we have continued making in excess of the payment required on the XXXX XXXX, bringing our scores down. We have send in evidence of payments to the credit reporting agencies, and still have no relief on XXXX and XXXX. Ditech is showing 30, 60, 120 days past due for months we continued making payments because they refuse to accept the lesser payment in the XXXX XXXX, and still show the payment on the original credit agreement. It is important to note, GreenTree drafted the XXXX XXXX, including all terms and conditions of the XXXX XXXX. We have complied. We repeatedly answered their calls seeking additional monies over and above the XXXX XXXX, and they refused to accept the new agreement, with the primary account person XXXX? saying the interest rate was variable to all sorts of excuses. We had at least XXXX calls with XXXX following our bankruptcy discharge, to no avail. We finally stopped answering the calls, which continued daily to both of our cell phones, work, and family members. We sent letters demanding the calls stop to our employment and family members, and to only communicate through written means. We continued getting calls, even to the work place at times. We have sought out legal counsel to review the XXXX XXXX, and confirmed it is a binding contract, and to confirm the XXXX XXXX was filed with the Bankruptcy Court, which it was. We have sought out help from the credit bureaus, and have not had success thus far. GreenTree / Ditech have tacked on {$1800.00} in fees and have refused to provide us with an audit or accounting since the bankruptcy discharge. An attorney will cost us $ XXXX+/hour to retain to go through the court system, with an estimate of {$4000.00} to {$10000.00} in fees to litigation this matter. We simply can not do that at this time. Any assistance your organization can lend to this situation, or guidance, would be most appreciated. 

XXXX XXXX
Product: Debt collection

subject : Debt Collector Failed to Verify Ownership of Debt Details : I am submitting this complaint regarding Portfolio Recovery Associates. They have been attempting to collect a debt allegedly associated with XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I requested written validation and proof that I own this debt, per the Fair Debt Collection Practices Act ( FDCPA ). 

I have not received any proper verification or documentation supporting their claim. Despite this, they continue to contact me and attempt collection. This is a violation of my rights under the FDCPA. 

I request CFPBs assistance to investigate this matter and ensure the debt collector provides the required proof of ownership or ceases collection activities. 

I have included supporting documents : Copy of my debt validation request letter sent on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On information and/or belief, XXXX is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that XXXX closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY XXXX reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW XXXX is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of XXXX and in violation of FCRA.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/scrub>XXXX Since then the account has repeatedly been updated as charged off every month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of imitations. You failed to investigate this account properly and your neglect has violated my nights. I gave you guys two chances to investigate this account and it still has factual errors. I am now demanding a deletion to, the following account : XXXX XXXXXXXX XXXX XXXX Account number : XXXX