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

XX/XX/XXXX I deposited XXXX into Ally Bank Savings account On XX/XX/XXXX I deposited XXXX into All bank Savings account A total of XXXX On XX/XX/XXXX Ally froze my account when I tried to retrieve my money. 
It has been XXXX months with NO prevail. I have called dozens of times to get my XXXX back. On XX/XX/XXXX Ally closed my account and has since not made my money available. 
I was told by Ally Bank to have the original bank from where the funds came to reverse the transaction to get the money back. 
The ACH from the original bank said it was far too removed from a normal time to do a reversal of transactions. 
I told Ally the original Bank will not reverse and I still have had XXXX replies from Ally Bank to fix the issue. 
I need Ally Bank to give me my money back>>>> I do not know how to get them to reply. 
Every time I call the fraud department I am told a different story about where my funds are and how to get them back. 
The original bank from where I transferred the money said they have no legal matter to do anything. 
Ally Bank knowing this still has not responded and there is no end to this in sight. 
I have had to contact endless financial reserve companies to place formal complaints. 
I just need my money returned to me from XXXX!!!!!
Product: Vehicle loan or lease

I had a loan with American Credit Acceptance. It was at an astronomical rate. I got behind and charge after charge was applied. The car was totaled and payed off they ate still charging me and impacting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the ongoing and unresolved issues with fraudulent items that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included evidence of the fraud and any relevant police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items on my credit report. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies.

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021 I opened a PayPal account to sell XXXX XXXX on another outlet other than only XXXX. On XX/XX/2021 at XXXX XXXX  I received an email from Paypal stating that I could no longer use Paypal because I violated the acceptable use policy. I called them on XX/XX/2021 regarding that issue asking for an explanation as to what part of the acceptable use policy I violated. The customer service representative could not give me any explanation, stating how I'm supposed to get a call or email within 24 hours regarding the issue, and how after 180 days I will receive my funds. I waited until the XXXX, over 24 hours, and did not get an email or call so I called them back. I spoke with a customer service representative who told me nothing can be done and that my account will remain limited, also not telling me what I did wrong to violate the acceptable use policy. I repeatedly asked to speak to a supervisor about the issue until I was transferred. The supervisor repeated the same thing that the customer service representative did. I asked to speak to a manager or someone above him about my issue. He refused repeatedly, stating that they wont do anything and will tell me the same information. After back & forth for a while he finally transferred me to a manager. I mentioned about filing a complaint if my issue is not resolved or if I'm not told what I had violated. They opened a ticket on my behalf to re-evaluate my account and told me they would get back to me within 24 hours. Two days later, XX/XX/XXXX, I hadn't received an email regarding my ticket being opened or looked at, so I called again. The representative told me that the team who works on that issue isn't open on weekends so I should hear back some time on Monday. Today, Monday, XX/XX/XXXX, I receive an email exactly XXXX XXXX, 23 minutes after its technically " Monday '', that my account will remain limited due to an Acceptable Use Policy violation. They still had not told me what I did incorrectly to violate their policy. I call them back today, the XXXX, regarding this and told them about how I will be filing a complaint so they're aware, because I know I have not violated the policy or been told what they think I've done. I told them what I use my Paypal for ( selling XXXX XXXX  ), as well as they had asked if I had another account. I told them I used to use an account with my girlfriend where I sold the same items occasionally, and had made this single account because I wanted it under my business name, as well as I didn't want my girlfriends account to reach the selling threshold that would make her receive a 1099k under her legal name, for sales that were not hers.
Product: Debt collection

I was first informed of a {$120.00} outstanding balance owed XXXX Hospital, from a XXXX XXXX, 2015 XXXX visit, on XXXX XXXX, when my FICO score dropped XXXX points ( XXXX to XXXX ) despite NEVER having received a single bill from either XXXX Hospital or Progressive Management Systems ( PMS ) their debt collection partner that filed the report of delinquency. 

The XXXX Hospital intake form collected XXXX separate options to contact me, yet I was falsely reported delinquent on a balance of {$120.00} ( less than 2 % ) of my bill, without ever being asked for payment. 

When I asked ( PMS ) to validate the debt, they sent me a master account query from XXXX XXXX dated XXXX clearly showing that for my bill totaling {$7000.00} XXXX received 100 % of invoiced amounts within 30 days of the visit : XXXX - {$250.00} copay at the time of service XX/XX/2015 - {$2500.00} deduction XX/XX/2015 - {$4100.00} from my insurance company While 20 years of excellent credit worthiness means more to me than anyone else, I am disheartened to learn that neither XXXX Hospital nor their debt collection agency PMS value a 20 year reputation above the cost of a letter, email or phone call alerting me to the debt ; any of which would have resulted in prompt payment of the {$120.00} bill. 


I sincerely hope that I can have support in correcting this false statement of delinquency on my credit report, and shining a light on this destructive " debt parking '' practice, which my own research has revealed victimizes so many innocent patients when they are admitted to hospitals.
Product: Debt collection

XX/XX/2021 I was contacted by revenue group and was told that I owe a debt and the lady language was very intimidating. The amount was around {$330.00}
Product: Credit card

So I had a balance of XXXX. I was in a hardship program so my interest rate we agreed to was XXXX percent. I ended up paying the balance off on XX/XX/XXXX. On XX/XX/XXXX I went out of the hardship program. They than increased the apr to XXXX percent after XX/XX/XXXX. However, they went back before the XXXX and charged me XXXX on XX/XX/XXXX. They called it trailing interest. However, my interest rate was only XXXX percent when I had a balance so they went retroactively back to make sure I got charged a XXXX percent XXXX when it really was XXXX percent.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance XXXX {$19000.00}
Product: Student loan

I began having problems with Fedloan Servicing just this year, and these problems include errors in recalculation for  XXXX , removing me from  XXXX  and placing me in to forbearance, cancelling out a request to be put back on  XXXX , and incorrect certifications or refusal to assist in certification, of work eligible for PSLF.     IBR Issues   XXXX   XXXX   XXXX   XXXX   XXXX   I electronically filed annual re-certification using tax documents. My payment went from {$48.00} per month to {$290.00} per month.     XXXX   XXXX   XXXX     : I electronically filed to recertify and followed up with the proper paper income documents. They removed me from  XXXX  ( to be fair, I checked the box saying to put me on the lowest cost plan, then scribbled over it and checked the  XXXX  box ) and put me into forbearance status.     XXXX   XXXX   XXXX   : I electronically filed to recertify and mailed in the required paper income documents.     XXXX   XXXX   XXXX   XXXX   they sent me a letter saying they could n't process my incomplete informatio n ( from my electronic filing which gives the opportunity for me to finish by sending paper income documents ).  They only gave me  XXXX  days to mail and them receive the documents.     PSLF Issues : I have dates from subbing that they will not help with. I received a letter stating that they cancelled out a recent request because I did n't get it signed by the company. I did n't get it signed because they wo n't certifiy it, and because I checked the box that said I ca n't get them to certify it. I am sending them a request and  XXXX  forms, and a letter to see what happens.   I am also sending them a letter for dates they did n't credit me with my current employer, along with a letter.     I am using  XXXX  and PSLF because I am in public service and ca n't afford high loan payments. I want to get my loans forgiven. There is a constant stream of letters and mistakes from just this year, and I just do n't need to be babysitting this loan constantly. I am frustrated and would like someone to see that my loan will be returned to  XXXX  with an affordable monthly payment, and that all of my  XXXX  and PSLF forms are being processed with care, and that I am not having to resubmit these things over and over.   Thanks,  XXXX   XXXX
Product: Bank account or service

discover bank unfunded claims. Discover Bank recently closed my account because they claimed that the continued fraud on my account was concerning. This is after I called them to discuss the transaction that they previously had not seen as disturbing. In their XXXX Discovers backs checks that where posted through multiple times and activity from target card. All of which was explained in documents sent to them that morning XX/XX/2017. The XXXX Transactions in questions were done fraudulently although I did willing link my target debit card to my discover bank account. In the affidavit sent to XXXX on these charges it clearly explains what happened. Discover Bank is claiming the account can still be compromised because they could use the target card to access the account and get the account number. XXXX XXXX does not store the full account number online. XXXX in the affidavit it states that I know who took the card and that the card was back in my possession. So there was no one the account could continue to be compromised. As for the checks. XXXX has a pending complaint for me about running those checks through multiple times without my permission on XXXX. The complaint is attached in this. Without the multiple returned check fees plus the small deposits I received the account would not be overdrawn. As shown in previous complaint that Discover has yet to answer my Discover debit card was unable to be used and I had recently lost my debit card to my XXXX account. Those accounts are linked so I can transfer between the XXXX but I needed to make deposits via mobile to another account. I will admit that my transfer from Discover and then transfer from XXXX could be problematic and it was. As I try to transfer between the XXXX and Discover. Discover would reject the deposits. A print out of my credit between XXXX and today date XX/XX/2017. To show that my XXXX account had funds in it to complete the transfer had they allowed. So essentially for me. I had {$360.00} in XXXX fees plus {$160.00} in direct deposits from my employer and another {$300.00} transaction from the fraudulent target transaction that would have covered checks written. Because I did not have access to my debit card. Checks where the only way I could move money from Discover. XXXX had informed me they worked on the fraud case and that it was settled but nothing was settled which is why I called Discover and sent them the documents asking them to help in removing the NSF fees on my account.
Product: Debt collection

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b.2. Company has also no permission to report anything using my information pursuant to 15 USC 1681 4
Product: Debt collection

Had a credit card charged off XX/XX/2014, was sold to a collection agency for {$300.00} more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me XX/XX/XXXX he signed for and subsequently misplaced the summons. Discovered the summons in a pile of papers while helping clean his house, and due to the time frame between the discovery of the summons and the trial I opted to just pay the debt as opposed to attempting to mount a defense, since local counsel was not willing to negotiate for the same reasons. My credit report, drivers license, etc. all have my current address and phone number listed, I feel there was a lack of due diligence on the part of the debt collector, either by accident or design. It should be noted that I moved a little over a year ago from the address that was associated with the credit card and filed a change of address with the DMV and mail forwarding with the USPS. The original address and my current phone number were both on paperwork attached to the discovery section of my writ of summons.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

HD Credit is reporting an erroneous debt on my credit file that I do not owe. This debt was paid by my insurance. I received confirmation that the debt was paid. This should NOT be a charge off. I do know owe this debt and I am requesting that this report to show the paid and closed.
Product: Mortgage

The paperwork I received in the mail has a sale date of XX/XX/2022. I don't know if this is accurate and if PHH has me listed for sale as I have been numerous time and the sale was postponed. Please see attached documents for clarity on the ongoing challenge I am incurring with PHH. I was offered a substandard modification and have requested several times to have the documents redrawn however, no explanation has been provided after several request as to why the underwriting department is refusing to reconcile the documents. Whatever assistance you can provide me will be greatly appreciated.
Product: Debt collection

LVNV Funding LLC, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Credit reporting or other personal consumer reports

I'm trying to get information corrected on credit report due to a verification issue. I've been unsuccessful. please review the following after locating my credit file. ( DRIVERS LICENSE ATTACHED ) I have submitted to CFPB previously, but they could not locate a credit file. Please review my identification and update my date of birth. 

I have submitted several requests to dispute fraudulent inquiries from my EQUIFAX report. I'm filing a complaint against their company as they are not taking my credit serioulsly and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. please remove these immediately as they do not belong on my report and affecting my quality of life. I am being denied due to these unauthorized inquiries. per the FCRA I am entitled to accurate information and their failure to verify the is information and remove the inquiries is a violation of XXXX XXXX  The following needs removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery has been on my credit file for 10-20 years, maybe longer. I have no idea what they want besides stealing of ones identity for personal gain. Theyre fraudulent companies that keeps harassing years n years. They have copied previous mail resending items to me, stolen my priority emails, hacked n sent viruses to number of my cellphones as they ruined them. Using an dynamic dialing system harassing n committing insurance fraud, they have contacted with social security administration. Violating my records in file n my rights. Stole my identity online and offline. Changing my Department of Motor vehicle records to unknown addresses. Stealing my domestic mail, n bank cards & checks out of my mail boxes. Having others Harassing me day n night, in person n over internet. They call about student loans I dont owe, they say theyre government officials. They call acting as government officials, saying Im gon na be deported when Im USA citizen born n raise in California. Theyre coming around committing vandalism to my property n property I live at is ongoing. These people continue to cost me money, causing all kinds of horrible harassment.
Product: Credit card or prepaid card

On XX/XX/2019 I noticed that American Express was offering a credit card called Blue Cash Preferred. They offered {$300.00} cash back if I were to spend {$1000.00} in the first 3 months. See : https : //www.americanexpress.comXXXX  XXXX. 

This was the URL used but it is no longer working : https : //www.americanexpress.com/XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a Word document containing the screen shot of the offer. I took a screen shot on the day I applied. It clearly says {$300.00} back. 

I applied for the credit card on the day of the offer -- XX/XX/2019. Proof that I filed on the day and time the offer was made is the screen capture of the date of the word file which was stored by XXXX on my computer. See the attached file called, " This shows the date on the word doc which is XXXX the date I submitted ... '' My account with American Express shows that my account was set up on XX/XX/2019. 

Three months later when I fulfilled my obligation to spend {$1000.00}, American Express failed to meet their obligation. American Express did not credit my account with {$300.00}, the offer American Express made. Instead, they only credited me {$250.00}. 

When I filed a complaint with American Express, they said they would investigate. However, upon investigation, they denied my complaint. I told them I had a screen capture of their offer but they did not seem to want it. They never told me how to send the screen capture to them. 

They denied my complaint saying the application did not have the proper code -- some code I guess for {$300.00} -- on the application form. When I later read off the screen capture with the URL code on it for the very page showing {$300.00}, American Express still refused to credit me with the missing {$50.00}. 

I would call that false advertising. I suspect that few future customers make a screen capture of their offer. They should not get away with such a deceptive practice this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.