23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Prior to making my payment on XX/XX/XXXX I contacted Ally Bank. I was transferring the loan to my credit union for a lower interest rate and the due date was coming on XX/XX/XXXX, when they didnt receive the payoff they advised me to go ahead and make a monthly payment to avoid a late fee. I made my payment on XX/XX/XXXX and my credit union paid off my auto loan ending in XXXX on XX/XX/XXXX. 
Ally bank owes me {$1000.00} refund. My first call to Ally was on XX/XX/XXXX I was advised that my check was mailed that day, but due to a storm in Louisiana, my check could be delayed in the mail by up to 2 weeks. 
I called back on XX/XX/XXXX when I didnt receive my refund and was advised that the refund was still pending because it was over {$1000.00}, it needed some type of approval. The advisor I spoke to was going to escalate and have someone give me a call back. That never happened so I called back again on XX/XX/XXXX and spoke to a advisor and then was transferred to XXXX on the customer solution team. XXXX also saw the refund pending and supposedly sent an email and promised me a call back on XXXX. No one ever called me. 
So on XX/XX/XXXX I called and spoke to XXXX and XXXX XXXX id number XXXX  ). I was advised it could take 30-45 days for a refund. I was promised a call back with a XXXX  XXXX tracking number for my refund check. 
Now today XX/XX/XXXX I called and talked to XXXX ( id XXXX ) and XXXX XXXX id XXXX ). Now XXXX tells me they have a man-power issue and refunds can take 55 days. I requested his XXXX and was placed on hold for an hour and never talked to anyone. I was transferred to an automated survey which I completed and advised that I was very dissatisfied. 
I have spent countless hours on the phone with numerous agents trying to get a refund that I owed. Since they record their calls, I would love for someone to go back and review all of the interactions on my account. You better believe if this was reversed ; I owed Ally money, they would be charging me fees and interest until they got their money!! But they could care less if their customer needs the money Ally owes. 
I guess next time I call they will tell me the refund processing time is 75 days??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I have been a Capital One customer for over three years having a personal and business checking account a secured card. I was recently offered a credit card ( Capital one Savor Card ) around XX/XX/2024. Soon after I was approved and began to use the card. I received an offer from capital one to use a certain amount in a certain period of time to receive rewards in the form of a credit on my statement. I decided to use the card for some car repair and a trip I had planned with my family to take advantage of this offer. Two months after having the card I was notified via email that my account and all of my accounts associated with my name and social will be closed due to " inconsistent with typical customer account usage ''. I immediately called them to find out what exactly does this mean and was not given a reason or example of what I did wrong to have all of my accounts closed. I was told that I will never be able to open any form of account with capital one in the future still with no valid reason for their action against me. Not only have they caused my credit score to drop over XXXX points for the account usage but have unfairly discriminated against me for whatever reason. I have always made my payments on time. My personal and business bank accounts have never gone into a negative status. I do not purchase gift cards and consider myself a responsible banking customer. I make daily deposits from my small business. My banking activity is not illegal and is consistent with a small business owner I even work fulltime and deposit my paychecks weekly. I was never given a reason or a chance to possibly explain any activity that may be in question.
Product: Money transfer, virtual currency, or money service

I was scammed by XXXX  and XXXX XXXX using Zelle. The phone number that the scammer used was ( XXXX ) XXXX. They both promoted a business assistant website stating they were able to help with business funding, logos, website, etc. after submitting my payment to get assistance the scammer blocked me and did not do any of the work they promised. This was a Zelle transaction. I used my email to make the purchase through Zelle ( XXXX ). The scammer did not provide any of the services the offered. They used Zelle to scam and steal my money with false advertising.
Product: Credit reporting or other personal consumer reports

I have been experiencing fraud activity across multiple channels of my account and notice I had two inquires added as I get alert when there is a change in my report. Please have the below inquires removed from our report immediately as they are not recognizable or valid. XXXX XXXX XXXX  and CITi cards
Product: Checking or savings account

A fraudulent report was issued to Chase Bank against XXXX XXXX, brother of Joint Account holder XXXX XXXX, who has a joint account with XXXX XXXX. XXXX XXXX discovered that XXXX XXXX was fraudulently transferring money from his mother 's joint account to his personal account, for his personal use. 

XXXX XXXX filed a Power of Attorney and a medical disclosure letter from a XXXX stating that XXXX XXXX has XXXX XXXX. Accounts were locked down from ATM usage, check writing and transfers. Three tier passwords were set to prevent XXXX XXXX from taking money from the joint account of XXXX XXXX and XXXX XXXX. XXXX XXXX took his elderly mother into the branch and closed the joint account of XXXX XXXX and XXXX XXXX and redirected all of XXXX XXXX 's direct deposits to the single account of XXXX XXXX. The XXXX XXXX of Chase Bank allowed this to happen without clearing the passwords on the account, Assumingly due to XXXX XXXX presenting a new Power of Attorney that XXXX XXXX could not have executed in sound mind or judgement. 

When Chase was contacted regarding the fraudulent activity, they said there was nothing they could do. Chase was contacted at the very least 15 times via phone and visits to physical branches to prevent this fraudulent activity. 

XXXX XXXX informed Chase that this is a direct violation of Regulation E and considered this activity to be Elder Abuse. Nothing was done to protect XXXX XXXX 's money. XXXX XXXX currently has full control of XXXX XXXX 's funds to abuse as he sees fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from my credit.
Product: Mortgage

I refinanced with XXXX XXXX on XX/XX/XXXX, funds received by PHH mortgage on XX/XX/XXXX and reconciled on XX/XX/XXXX. On XX/XX/XXXX I notice PHH continued to bill me for 2 months mortgage payments and reported to my credit that I Was now 60days delinquent. I called several times to PHH and continue to be put on hold with no one ever coming back. I was told by PHH that the funds had been returned to XXXX because it was short of the payoff they sent. I have all documents and the pay off was accurate yet PHH continued to bill me. All of a sudden I am now being told the funds have been returned to XXXX XXXX  on XX/XX/XXXX. PHH held the funds for 6 weeks  before returning them to XXXX XXXX. I am currently in a battle when all I wanted to do was a simple refinance and reduce my debt to increase my credit. At this point they have destroyed my credit and I cant understand how PHH could hold these funds for 6 weeks and not communicate with any of the parties involved for 6 weeks and continue to charge me daily interest.
Product: Debt collection

I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Product: Checking or savings account

XX/XX/ opened checking account. Deposited XXXX. 
XXXX  direct deposit XXXX XXXX tried to pay rent electronically received and error. 
XXXX/called bank and was told my account was restricted because I had a ups mailbox and they need an physical address, but yet they opened the account and deposited my funds. 
XXXX  ( Monday ) called bank and changed address. After it was changed I was told I needed to present a lease agreement signed by myself and the landlord. 
XX/XX/ received phone message stating i needed to present lease agreement by XXXX  or acct would be closed and funds sent mailed back via check ( im guessing to my mail box? 
XX/XX/ hand delivered lease agreement to bank and told it would take 24 hours to review. I ask could I obtain a withdrawal and was told " no '' XX/XX/XXXX  called and as told it will take two business days. As of today I still do not have access to my funds.
Product: Credit reporting or other personal consumer reports

I had a credit card with BMO Harris Bank. I opened it about 5 years ago. I received a phone call from someone claiming to be from social security, threatened that I would be arrested for fraud. They instructed me to liquidate my money from my card buying XXXX XXXX gift cards to protect me. Yes, I realized this was very stupid and should have known better. After I did that, I was very stressed and went to the bank the next day to explain what happened. They said to go to the police station and make a report, which I did. I brought it back to the bank ( lady at bank told me another person came in with the same issue ). Anyway she said she would write it up but I probably would be responsible. No investigation by the bank, police, or FBI was done, which I think should have been done since they were impersonating a federal employee. I didn't know at the time this happened 5 years ago, that the bank was to do an investigation. Never heard anything about it. I had been making payments on this up until XX/XX/XXXX. This happened XX/XX/XXXX. In XX/XX/XXXX my XXXX XXXX XXXX XXXX and I no longer received alimony and my income was very low. I called BMO and explained that I would not be able to make payments for couple of months. They said I could put off paying but still had to pay hundreds in interest. I then found out that the bank was required to invest these types of scams and they never did. I had not heard of this type of scam until months later. I simply couldn't pay it and the bank refused to work with me. I got legal advice to let collection agency not to contact me about it. This has impacted my credit. I put in a dispute but nothing was resolved. I am unable to upload the letter and police report to credit agency. I think the bank should have investigated this. They and the police had the phone number of person who called. I went to XXXX XXXX and found out where the cards were used. I realized that I was XXXX  and XXXX, but I was a naive XXXX XXXX XXXX and the bank did nothing. At the very least I want this all reported to credit agencies. Up until then I was making all payments on time. I will attach the letter and police report. I would like I said this all put on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit card

I received XXXX credit card denials for cards i didn't applied for, 1 card that was granted that I never applied, and 1 that asked for more info. 
I placed a fraud alert at 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

I have reached out to XXXX by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted PayPal about removing the limitation from my account because I continued to have problems utilizing the advertised service. Once done TWICE, everything seemed in order. The day before {$500.00} was set to be made available to me, the service limited my account without proper cause. 

PayPal Customer Support : The companys international customer representative cite the services perceived integrity as the reason as to why they c annoy precisely tell me why I am not allowed to be advised as to their limitation of my account. Being that they are technically a financial institution, I continuously requested to be provided with the exact reason why they found me to be in violation of PayPals terms and conditions when Id both verified my identity and personal access to third-party linked accounts TWICE and did not engage in the sale or transfer of any of the prohibited items or services listed in the companys terms and conditions. They would not close my account or refund me the money deposited when asked. 

The company requires evaluation as the scripted, generic answers did not provide me with any sort of validity as to the actions this service chose to take on my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Credit card Charges Off Account : number XXXX Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Good morning in reviewing my credit report. XXXX XXXX XXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX written off. XXXX XXXX XXXX failed to submit 1099 -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX Violation FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter.

( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. 
Consumers prepared to address this matters in legal proceedings for statutory damaged. 
Im hoping we can address this matter with the proper outcomes for both parties. 
The following documents can be mailed to me at XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX.
Product: Debt collection

Still on credit report as delinquent. Please help me remove it, thank you thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I received a copy of my consumer report from Equifax and noticed several incorrect items listed under my personal information section, as well as accounts. I sent in a request for validation letter for these accounts as well as an updated list of the correct name address and other personal information around XX/XX/XXXX to Equifax dispute center in XXXX, XXXX  These request were ignored. None of my information was updated. The false accounts were never properly investigated and refurnished on my report, drastically dropping my credit score. I explained that under the FCRA, permissible purpose states that accounts XXXX be reported only with the written consent of the consumer involved, which at no time was ever given. Also the FCRA clearly states that any and all accounts furnished on a consumers report must be validated and investigated with proper documentation deemed compliant with the FCRA. At no time was any documentation produced for any account that was listed. I sent several letters stating there were several violations that they were committing on my behalf and their negligent noncompliance has caused several hardships in my life emotionally, financially and relationship wise. As a result I have suffered from several denials and and have been limited in life. I beg for help, please someone hold them accountable for their actions. Its never ok to break the law! The year XXXX is half way over and I am still fighting for my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit card

In the span of 9 minutes this morning a company called Remitly cleaned out my XXXX debit card with XXXX different transactions. They were all listed as RMTLY* with a defferent XXXX digit code afterwards. The bank said they cant do anything until the transaction goes through ( and it is still pending!!! ). I would like to see if Remitly will stop these transactions from going through!!!