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

I have over {$180000.00} in an Ally account and another {$1000.00} in an investment account. I have had the account for less than a year. Twice a month I had funds transferred to that account as part of a regular savings program. On XX/XX/2019, I attempted to transfer {$60000.00} out that account to pay taxes. Subsequently, I attempted to transfer {$20000.00}. In short none of the transfers went through. We spent hours on calls trying to figure out why. Then I got frustrated and I tried to close my account. Ally blocked my online access to the account. My wife and I had XXXX or more calls to them. My online access was never restored. Last Friday I was on the phone from XXXX am to XXXX pm. Finally, I was told I had to do a wire transfer and pay {$20.00}. I would receive the money the following day, Saturday, XX/XX/2019. On Saturday I called because I had not received any funds. I was told, besides what I was previously told, that there were no transfers on a Saturday. I was told I would receive the funds on Monday, XX/XX/2019. On Monday I didn't receive any funds. I called Ally who told me there was no request for a wire transfer and I had not previously contacted them about a wire transfer. 

At one point, I was told by their Fraud Department that our calls were recorded. If that is true there should be telephone recordings that will verify this complaint. I believe this is intentional and a systematic design to prevent or make any large transfers of funds. They tell you there are red flags and problems that prevent the transfer. That does not explain that I have systematically transferred on a regular basis almost {$190000.00} into their bank. The first time I tried to withdraw money its been a nightmare. At this time I still have not been ale to get one dime out of Ally.

Even if this is one big series of mix ups, their lack of support and customer service is terrible. You have long wait times. Often I am on the phone and then I get disconnected. I often spent over an hour on hold. I would then get transferred and then that person would put me on hold. Because everything is online a customer is powerless to do anything other than call back when they are disconnected and get back into the queue. When I would ask to speak to a supervisor then each supervisor seemed irritated that I asked to speak to them. They would tell me there is nothing they can do because I had to talk to another department. Ally is the worst bank I have ever dealt with by FAR.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit card

Ok so when I seen discover on my report I called into discovers customer support, which then transferred me to a different department and I spoke to a very nice women named XXXX, but she could n't offer any help. She referred me to a different collection company named XXXX '' who were very rude and knew nothing. I then sent a email to XXXX XXXX XXXX, I received a packet in the mail with some transaction history. Honestly I remember having A XXXX dollar limit and I remember paying it. In the packet I noticed the transaction history I noticed a XXXX limit and other transactions. Back in 2013 I was n't in my right mind, my XXXX. Now that I am stable, I 've noticed the account on my report and I cant remember. There are also other accounts on my credit that were opened online around the same time and I had to contact those institutes as-well and they are helping and giving me an understanding. There was a women a live in room mate that I used to have dealings with back then who just completely disappeared, and was n't here after my treatment I 've tried searching for her, theirs no information on her name XXXX when searching for her, but I have a strong feeling it was her and everything was a lie every hand I was dealt just blows up in my face and destroyed my life, for instance I simply have no need for a XXXX XXXX account that was opened under my name because I am a male. I am not saying I did n't have a discover account. I XXXX and on social security from XXXX I take and I have a hard time with phone calls XXXX. Im not the way I was before treatment. I 've called customer support because I remember being a customer and how sweet and nice everyone at discover is not like that with me anymore. I was never aware of owing money and I want to know why discover was not there to offer me help or work out some plan back then. Discover you are giving me XXXX. XXXX time I called " XXXX '' told me to contact XXXX '' number XXXX a rude company that had no knowledge of me. Then called discover again and was referred to call XXXX number XXXX this company does n't exist. Then in the packet XXXX XXXX XXXX sent me it says call XXXX number XXXX. My credit is messed up because I was not responsible with my personal information when we had live in roommates and I would just leave credit cards and SSN card anywhere and I do take full responsibility for that, BUT discover is just passing my information to company to company and me having to call places passing my social security number to fake company 's or god knows who, but i really liked discover and they never offered to help me, I never knew what was going on I thought it was paid. I use to get calls for card protection everyday which I remember getting and I always thought it was covered. I just wish they would remove the charge off because i do n't feel i owe then a whopping XXXX.
Product: Debt collection

The number XXXX continues to call me regularly. The first time I answered they said they were attempting to collect a debt when I asked them questions they disconnected. Ever since they call me no less than XXXX a day. I 've asked that they not call me. I 've attempted to call them back and never get an answer.
Product: Payday loan, title loan, or personal loan

On today Monday XX/XX/XXXX I got a voicemail stating that I was denied credit at this company by the name of One Financial! I applied for the loan on Friday of last week and talked to a lady names XXXX that assured me that an approval was in place! I never heard the word Debt ratio until today when I called and she said I didnt make enough money! First of all I bring home more than they say I bring home and provided my check stub with proof! This company have been sending me notices after notices begging me to apply for a loan that I had been preapproved for! I am so disappointed and hurt I will never recommend anyone to apply for this company! The lady XXXX mislead me and Im not gon na stop reporting this company! This company is very misleading people!
Product: Debt collection

On XX/XX/2022 I entered into an XXXXmth employment contract with Loan Depot , LLC to be a mortgage advisor. My official start date was XX/XX/2022. I was paid a sign on bonus of $ XXXX and then was paid $ XXXX for the next 5 months ( approx. $ XXXX ). Any income above this amount I would receive additionally. I was hired on to Loan Depot with a former co worker who would serve as my manager as were a team of us that would cover the state of XXXX and the other states we chose to be licensed in, for me I was licensed in XXXX XXXX XXXX  and XXXX. 
The mortgage business had begun to slow during this time as mortgage rates had started to increase and inventory was at all time lows. The team that I was hired on with beginning with the processors were let go by Loan Depot so they could cut back on the salaries employees. My manager resigned as did all of the other loan consultants in my immediate group because of the poor management and lack of compliance from Loan Depot. I was the only employee hired with this Mississippi group that was remaining and after XXXXmths I resigned my post. Loan Depot was required to have an office per NMLS rules XXXX miles from where I conduct business, there were times they had me tied to the an office in XXXX and XXXX, XXXX which was not even close to where I work as I have worked out of my home in XXXX, XXXX since starting with Loan Depot. I resigned out of fear of losing my license to originate mortgage loans due to compliance issues with Loan Depot and the constant change in processing and management. 
Loan Depot had been emailing me collection letters for me to pay back $ XXXX to which I obviously can not pay and at this point they have put a collection of $ XXXX on my credit report which has damaged my perfect credit rating as I have always paid my bills on time. To sum up my complaint, I worked hard for a company for XXXXmths trying to make ends meet in a tough work environment. I do not believe they lived up to the company they had told me they were and after falling a month short of completing my obligation for the XXXXmths, I know owe them $ XXXX and they have ruined my credit. 
Sincerely XXXX XXXX
Product: Debt collection

I formally request validation and verification of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information : 1. Assignment Contract : A complete copy of the assignment or purchase agreement between your agency and the original creditor, showing that you have the legal authority to collect on this debt.

2. Original Creditor Information : The name and address of the original creditor, as well as the original account number.

3. Detailed Accounting : A full and detailed accounting of the alleged debt, including a breakdown of all charges, fees, and interest added to the account after it was allegedly assigned to you.

4. Proof of Ownership : Evidence that the debt was sold or transferred to you, including any documents demonstrating that the original creditor transferred rights to collect this debt to your agency.

5. Verification of Accuracy : Documentation showing the accurate amount of the debt and the validity of the debt as required by law. This includes all statements or billing records that reflect the original balance and all payments made. 
6. Affidavit of the Debt : A sworn affidavit from an authorized agent of your agency attesting to the accuracy of the debt and your legal right to collect. This request is not only for verification but also to ensure that you are compliant with the FDCPA and that my rights as a consumer are protected. I expect a timely response within the 30-day period as prescribed by law. Please note that I am specifically requesting this information be sent directly to me and not processed through any automated dispute systems, such as XXXX It is imperative that you provide the exact documentation as requested above. If your agency can not provide the requested information, you are required by law to cease collection efforts and notify all relevant credit bureaus to remove any reference to this alleged debt from my credit report.
Product: Credit card or prepaid card

A credit card was fraudulently opened in my name. {$2300.00} was charged to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I open a dispute with Experian and XXXX mid XXXX requesting that the inaccurate, closed and inquires reporting on my consumer credit report be validation and verify by original consumer contract bearing my signature in wet ink. On XX/XX/2022 I received an alert that my dispute result ready. I received no alerts or documentation from XXXX. Experian and XXXX has failed to provide me with any items that has requested and is still reporting these closed, inquires and inaccurate on my consumer credit report. As a consumer reporting agency 15 U.S.C 1681 a ( f ) Experian and XXXX is governed by the Fair Credit Reporting Act ( ''FCRA '' ), 15 U.S.C et seq. , which protects consumer from inaccurate, outdated or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer file is accurate and free from errors. Experian and XXXX is just allowing items to be placed only consumer credit report without validation or verification that these closed, inaccurate and inquires are indeed correct. Experian XXXX XXXX is in violation of 15 U.S.C 1692e 15 U.S.C 1681b 15 U.S.C 1692d 15 U.S.C 6803 15 U.S.C 1692g I have also filed a complaint previous complaints XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry appears on my XXXX Credit Report that I did not authorize. XXXX XXXX XXXX refused to remove the inquiry on XXXX-2019.
Product: Credit reporting or other personal consumer reports

I recently sent dispute to experian, XXXX, XXXX for reporting information to credit report without my consent in direct violation FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my account that I did not authorize. I should only have 1 from XXXX as that is the only account I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a complaint with the CFPB against Experian on XX/XX/2022 complaint number is XXXX It has been well over the amount of days allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in several written notices to XXXX, XXXX, and Experian within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX  refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
Product: Credit card or prepaid card

To summarize my chief points/complaints to the CFBP regarding the subject bank : 1 ) The Company sent several letters, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and despite these difficulties, I replied fully, immediately, and appropriately. 
2 ) The Company has disregarded my explicit and documented request to submit informational requests via hard copy mail, which I believe is my right under the Fair Credit Billing Act. 
3 ) The Company has made no additional information requests of me, and has reapplied the disputed items with no written explanation. The oral explanations offered over the phone are inaccurate, nonsensical, and also completely unreasonable expectations for customer behavior in the midst of a national and local crisis. 
4 ) The Company phoned me on Friday XX/XX/2020, ostensibly to discuss its concerns, but provided me not even a single business day to respond before rebilling the account on XX/XX/2020. 

Please see attached detailed account of my dispute with the Company.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other deposits. Capital one has cited technical issues which may violate the EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

The credit company keeps saying that this item was verified, But I keep asking for the documentation and the validation of this debt. According to 15 usc 1681 ( I ) I have a right to privacy. All debt must be validated with the proper proof and documentation with my signature and contract that this debt belongs to me. I have yet to received that. There for the verification process is not complete nor is it true. I will not accept any resolution accepted delete and remove these accounts. Without proof from the credit bureau and original contracts with my signature ( wet ink ) this account is not verified
Product: Credit card or prepaid card

On XX/XX/XXXX through XXXX I made a reservation to spend the evening at the XXXX XXXX XXXX in my hometown XXXX. When I showed up inutially I only had {$100.00} on my card which wasnt enough to pay for the room, so I ended up going to XXXX to put more money on my pre paid card and swiped the card at the hotel and all the sudden there was a {$0.00} balance and I was denied the room by the associate. She stated my card was declined and called her manager and there was nothing they could do. I requested that XXXX give me a hotel room for another night they refused so I had to put in a cancellation request, and they never responded or refunded my money.This is one small instance that funds of mine have been misappropriated and I am a unemployed mother who cant afford to continuously get my money stolen. My email is XXXX XXXX
Product: Credit card

Unable to log in when closed credit card acct, to let them know that their check expired to provide another. Also, wanted to let them know where to postal mail the new check so to not delay it more to an address not to correspond to anymore. Their worker XXXX unfortunately refused to provide the correct telephone number to the dept to be in touch with customer service about the concerns
Product: Debt collection

Harvest Strategy Group made an unauthorized inquiry on my XXXX XXXX consumer report. I do not have an account with them, never gave them permission and they did not have any permissible purpose under the Fair Credit Reporting Act. I have attempted to resolve this issue in the past but they ignored my previous complaint and never sent me any correspondence. They have accessed my personally identifiable information and as a result of this unauthorized act, I may be potentially exposed to identity theft. No consent is Identity theft. I have pursued legal action against them because they refused to respond and my privacy has been invaded and is at great risk. See attachments.
Product: Debt collection

XXXX XXXX, XXXX Dear XXXXureau of Consumer Financial Protection : I am hoping for your assistance with a matter which, I fear, will turn problematic in the near future. It involves my optometric practice and its relationship with an institution known as EverBank Financial, which may have formerly been a subsidiary of XXXX XXXX XXXX and is now owned by a finance and banking company which goes by the name of TIAA , FSB. I have been informed that the EverBank nomicker still exists under the control of TIAA , FSB. 

Three years ago XXXX XXXX of XXXX ), I entered into an agreement with EverBank to purchase a piece of examination equipment. This agreement was facilitated by the manufacturer of the instrument, XXXX XXXX. To my understanding ( and also to the understanding of the XXXX representative ), my agreement with EverBank was to be a loan, one which could be paid off in advance if I so desired. 

On XXXX XXXX, XXXX, I took advantage of that option. I made a lump sum payment to EverBank to the exact penny of what EverBank said I owed if I was to pay in full ahead of schedule. Any final lump sum payment to pay off my debt was to be done at a discount from that which I would have to pay were I to continue with payments. I have that very specific documentation in an email from EverBank because I requested that information in order to make the proper payoff payment. [ I will gladly provide this evidence as well as a detailed expose of the bullying manner in which I have been treated by EverBank from the time our relationship commenced, if requested. I have pages upon pages of documentation ].
My obligation to EverBank is now fulfilled. Nevertheless, I continue to receive monthly statements from them in which they subtract the normal monthly payment from my large credit balance. 

My suspicion is that when EverBank makes the debit which finally zeroes my balance, they will find that I still owe a substantial amount of money. They have never been forthright and honest with me and do not know why it should be any different at that point. 

What I want right now is a letter which dismisses my obligation, a so-called Paid in Full notification. This is something which EverBank has been unwilling to provide, in spite of repeated requests through registered mail. I have never even received a response. 

Would you please help me get what is only right that they provide? I would greatly appreciate your assistance in any way you can. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX