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

On XXXX, XXXX XXXX XXXX, I attempted to send $XXXX   from my Ally Bank savings account using XXXX. A message popped up saying "Payment Limit Exceeded" and that to stay within my limit, I can send $XXXX  now or send the full amount as a standard delivery which can take up to 3 days. When I attempt to send funds as a standard delivery, I receive a similar error saying "Payment Limit Exceeded" and that my remaining limit is $XXXX I have been using Ally Bank for years, and I have been the XXXX to send funds within minutes from my Ally account in excess of $XXXX for over a year. I contacted the Ally bank via phone and Ally Messenger and was told "an issue with the XXXX, as we review the limits allowed. This is only a temporary issue but, unfortunately, we do not have a time frame on the fix." This is an unacceptable issue for a bank to have, to limit and hold a consumer's funds without providing notification of an ongoing issuer or a time-frame for resolution. The limit for XXXX  should be $XXXX as the Ally Bank Help Center, accessed XXXX XXXX XXXX, online at [XXXX] says:What are Ally Bank’s limits for sending or requesting XXXX   payments?Ally Bank LimitsAlly Bank Limits tableSPEED	LIMIT PER TRANSACTION	LIMIT PER DAY	LIMIT PER 30 DAYSIn Minutes	$XXXX	$XXXX	$XXXXStandard (Next-Day or 3-Day Delivery)	$XXXX	$XXXX	$XXXX
Product: Debt collection

This is a debt from XXXX XXXX, when our home was foreclosed on the equipment for XXXX was left in the home. We could n't go back and get it so XXXX charged us for it. We wrote XXXX and explained the circumstances and that they needed to contact the bank to get access to the equipment as we could n't so how could we be charged? This debt collection agency must have just recently purchased the account, has not sent me any letters but it appears on my credit report as a NEW account with a XXXX open date, when clearly this account will soon be at the 7 year mark and would be removed from my credit report.
Product: Debt collection

Ive had my identity stolen on numerous occasions from various companies data breaches. I have account that were open in my name from XXXX that I didnt open. I had two companies garnish my wages and when I ask for proof only one removed the garnish which was XXXX XXXX but yet it remains on my file and the other was XXXX XXXX for the sum of over $ XXXX which they took from my wages without proof and illegal served papers that I never signed for or present for.
Product: Credit reporting or other personal consumer reports

I have previously disputed Bankruptcy XXXX  XXXX reference # XXXX and Bankruptcy XXXX  XXXX reference # XXXX, with XXXX XXXX, XXXX, Experian Credit Bureau with you in response, you verified the item as accurate, and stated that you have verified the information with the court. I contacted the United States Bankruptcy Court Northern District of Illinois stated The Bankruptcy Court does not report any information to the credit bureaus letter enclosed. I contacted XXXX XXXX and their letter response is enclosed Results of Investigation we have reviewed the information from our identification Records and determined the data being reported unverifiable the data in question has been removed. The data in question has been removed and our files have been updated after research conducted with the following source : XXXX XXXX XXXX.
Product: Debt collection

Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life. 

I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for Midwest Recovery Systems and they still haven't done anything to fix this. XXXX XXXX was his name. 

I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by Midwest Recovery Systems, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received. 

I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.
Product: Debt collection

XXXX bought XXXX charged off hsbc nevada credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from XXXX that I signed nor, any correspondence from them regarding these XXXX old hsbc nevada credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Debt collection

Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan.
Product: Credit card

XXXXm just trying to raise my credit score and pay down dept.
Product: Checking or savings account

I received an email from Wells Fargo stating that my checking account had been changed from a free checking account to a prime checking account which charges a {$25.00} a month fee if my account goes under {$20000.00}. I was not asked about this nor was I given other options. They simply converted my account to this new account. I called and spoke to a representative who told me that the type of checking account I previously had no longer exists I asked why they automatically transferred me to an account that requires a {$20000.00} balance and a {$25.00} fee without asking me first and found out there are two other types of checking accounts that charge {$10.00} or XXXX XXXX a month. either way I was not asked and this seems like it is a dishonest practice for Wells Fargo to automatically change an account without a customers approval or knowledge!
Product: Credit reporting or other personal consumer reports

To your company ( I am requesting THE METHOD OF VERIFICATION ) I have sent in disputes for these account reporting on my consumer report. The XXXX accounts still have inaccuracies. I have asked to have them DELETED for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT THAT WAS DISPUTED. ( YOU HAVE 15 DAYS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ) ( DO NOT SEND A GENERIC LETTER STATING YOU DO NOT UNDERSTAND THIS DISPUTE OR YOU ARE UNABLE TO DISPUTE. THIS IS VERY CLEAR, ) GIVE ME THE METHOD OF VERIFICATION OF THESE ACCOUNTS OR DELETE THE ACCOUNTS accordingly.
Product: Credit card or prepaid card

We attended a 90 minutes time share presentation onXX/XX/2018 at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, during our family vacation.The name of the company was XXXX XXXX. While reading the contract, the people asked us to provide them a valid ID and our credit card.My husband told them not to charge anything on our credit card until we sign the contract.We did not sign anything but they charged our credit card in the amount of XXXX US dollars ... We filed for dispute when we saw that they charged our credit card that amount hoping that Citi card would not pay them.Citi card did their investigation, we provided them our letter of what had happened why we filed for dispute ... On XX/XX/XXXX, we received a letter from citi card saying that they are unable to assist us because that was a face to face chip card transaction, that we had provided our credit card to the merchant and they had inserted our credit card into their chip card reader so citi card held us responsible for this charge. We called them many times, explaining to them that we did not signed the contract but they told us that the investigation was closed and that they could not do anything about it. They sent us the bill amounting XXXX. One lady told us from citi card that we need to contact the merchant directly and tell them to refund the money to us directly because they already closed the investigation. 
We did contact the merchant on XX/XX/2018 and we emailed to them the letter that we recieved from citi card dated XX/XX/2018 because they asked for it.The manager named XXXX XXXX told us on the phone that citi card had withdrawn the money from their bank account, so my husband asked, how could that happen? We called citi card if they received the whole amount from the merchant but citi card employee said no, they did not received anything from the merchant. 
Please.. please ... please ... we need your help to solve this problem, we feel so helpless ... 
We attach all the documents concerning this issue on the next page.. 
Thank you so very much and we heartily hope that you can help us .... We don't want to pay the amount that we never use and we don't want our credit be ruined by this incident ... 
Hoping for your kind consideration and understanding ... XXXX bless.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I was charged XXXX from XXXX XXXX XXXX XXXX XXXX XX/XX/03 XXXX XXXX XXXX XXXX! This was a stop in XXXX at a souvenir store from our tour guide. Upon buying ( two XXXX, two XXXX XXXX and a XXXX ). I thought my total was around XXXX XXXX XXXX. Comes two day later I had an extreme charge of over {$900.00} USD from my bank account. I immediately contacted Chase told them what happened : even told them had a witnessed that double checked the amount was corrected. I guess the souvenir shop decided to add a 0 prior do check out, all of it was very sketchy.

Unfortunately the bank declined my dispute and I'm sure I'm nothing more than a number to them so clearly they choose the easy route. I have never done this before as I didn't even know there's was a protection bureau. I'm simply asking you for your help as I will never bank with chase again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadepquate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate address for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I paid a large amount on my credit card to bring down the balance. I first paid XXXX on XX/XX/XXXX, Then I paid XXXX on the XXXX, XXXX on the XXXX and XXXX on the XXXX. A few days later I added a few of my friends as authorized users to help them build credit. The next day all four of my cards with Capital one was restricted for use. I contacted them and they wanted to verify that I added the users to the card. I explained that I did and sent in Documents IDs and social security cards and every time I send in something they give me an excuse why they can't be unrestricted. I don't even understand how the other three cards are restricted and no one was even added to those. I asked why allow me to add these people to my account and lock me out from it after. They expect me to keep paying on cards I can't use charging me late fees and reporting bad on my credit for four months now. this is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. XXXX XXXX and Experian are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.
Product: Checking or savings account

Citi had a promotion, where I would open 2 accounts ( checking and savings ), fund with $ XXXX in 30 days, hold $ XXXX in either checking or savings for 60 days and wait for 90 days, and have a direct deposit, I would have {$400.00} dollar promotion. 

Here are the facts : 1 ) I applied for the account on XX/XX/XXXX. 

2 ) I funded the checking with $ XXXX on XX/XX/XXXX with external money. 

3 ) I transferred the $ XXXX from my Citi checking to my Citi savings on XX/XX/XXXX. 

4 ) I held the $ XXXX as an aggregate in the checking and savings for at least 60 days, and waited 90 days. 

5 ) I had a chat with their Customer Service Representative on XX/XX/XXXX, they said I fulfilled the requirements and will get the bonus promotion, wait till Fri XX/XX/XXXX for payment. 

6 ) I had a phone call with a representative XX/XX/XXXX, the first CSR was incorrect in saying I funded on XX/XX/XXXX, it was escalated to a supervisor who then reviewed the account and said I was correct, the promotion terms were fulfilled. I should get payment within 40 days. 

7 ) I received a letter on XX/XX/XXXX saying I will not be getting the promotion because : " Open a new Checking account and Citi Savings account in Citi Bank Account Package by XX/XX/XXXX. '' and " Unfortunately, your account does not qualify for this promotion because checking account not opened within the stated time frame. '' Rebuttal to # 7 - It says open by XX/XX/XXXX, yet I opened it on XX/XX/XXXX, which is it? 

I asked CFPB to investigate Citi for their deceptive practices, fraudulent stonewalling, and incorrect letter.
Product: Credit reporting or other personal consumer reports

Equifax failed to provide an initial privacy notice before disclosure. I, the consumer assert that Equifax did not provide a clear and conspicuous notice informing me of my right to opt out of the disclosure of my non-public personal information to non-affiliated third parties, as required by 12 CFR 1016.4. Right to Privacy : The FCRA emphasizes the importance of consumer reporting agencies, like Equifax and XXXX handling my personal information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). Sharing My Information Requires Consent : authorized purposes ( 15 U.S.C. 1681e ). CRAs can only furnish my credit report under specific circumstances, including with my written instructions ( 15 U.S.C. 1681a ( a ) ( 2 ) ) and i have not provided such written consent. This pertains to account ending in # XXXX, XXXX  ( XXXX XXXX XXXX  ). Also, this account was taken off of my credit report from a prior dispute and then was re-inserted shortly after. When disputing again, Equifax then began a series of " stall letters '' acting as if they couldn't match my identity to the credit file, yet in equifax 's letter sent to me, they address me as " XXXX XXXX XXXX XXXX '' ... a name that is only found on my Equifax credit file ( which has been disputed as well and not corrected ), in which they claimed they were unable to locate in their databases. Credit account is attached as well as one of the " stall letters ''
Product: Credit card or prepaid card

COMENITY BANK XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. THEY HAVE A FRAUDULENT ADDRESS LISTED TO AN ACCOUNT THAT DOES NOT MATCH MY ADDRESS. THE ADDRESS USED ON THE ACCOUNT WAS A FRAUD ADDRESS AND SOMEONE STOLE MY IDENTITY AND USED XXXX XXXX as the address listed and my apartment number is XXXX. 
the apartment XXXX is NOT MINE. 

Account information Account name XXXX/COMENITY/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2018
Product: Debt collection

I am writing to file a formal complaint against Acima, a Lender that has recently been involved in violations related to my credit file. I believe that Acima has failed to comply with fair debt collection practices, specifically in the handling of subsequent sale to another lender without providing me with written notice. 

The first issue pertains to the lack of proper notification concerning the charge-off of a debt held by Acima and its subsequent transfer to another creditor. Despite the debt being charged off and sold to another lender, I did not receive any written communication from Acima notifying me of the charge-off or the transfer of the debt. This failure to provide clear and timely notification infringes upon the requirements outlined in the FDCPA. 

Furthermore, there appears to be a discrepancy regarding the reporting of the charged-off debt. Despite Acima having sold the debt to another Lender, they continue to report the debt. This raises concerns about inaccurate reporting and the potential for double-counting the debt, which not only affects my credit profile but also violates fair reporting practices. 

I believe these actions by Acima represent violations of the Fair Debt Collection Practices Act, specifically Section 1692e, which mandates clear and accurate communication regarding debt collection and reporting. I have made multiple attempts to resolve these issues directly with Acima but have not received satisfactory responses or resolutions. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your assistance in ensuring that Acima complies with the laws governing fair debt collection practices and reporting standards. Additionally, I kindly ask for guidance on how to proceed and seek proper redress for these violations. 

Enclosed, please find copies of relevant documentation supporting my claims, including any correspondence with Acima regarding this matter. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

. In XXXX XXXX I inquired about this account concerning an error on my bill. XXXX XXXX Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by XXXX, the Experian Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the Experian Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law. 

I am highly concern about XXXX XXXX future reporting on this credit line item because it is an open-line capital account : line of credit with no collateral. This account is based on solely on my good credit history and my credit rating. This action questions my inability to pay to other creditors and not the dispute between us over the high APR rate 27.240 % for accounts in defaulted on contract. I am fighting to change the APR rate, pay the debt, protect my good credit history, and my future financial creditability. I have learned from the XXXX ( letter dated XXXX/XXXX/XXXX ) that XXXX blocked my ability to get loans possibly indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from Experian on XX/XX/2021 that XXXX XXXX XXXX pulled my credit report. I have not applied for any credit or have any dealings with this company and did not authorize this inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX