23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

i received an email telling me to contact their customer support regarding {$850.00} XXXX  purchase that i did not do. When i called they wanted me to log in to my computer and access a site thats when i got more suspicious and hung up. 
Order ID # XXXX XXXX XXXX XXXX was XXXX XXXX  XXXX XXXX XXXX ) invoice XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are unauthorized and I don't appreciate inaccurate information on my credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late XX/XX/2018 XX/XX/2018
Product: Debt collection

Green Tree has change the Charge Off date so that it does n't get drop off my credit report. 
It also has also lower my FICO Scores. It was charged off back in XX/XX/XXXX and they reported to credit bureaus to reflect an reset charge off date of XX/XX/XXXX ...
Product: Credit card

Bank of America opened a credit card account in my name without my authorization, at the same time I opened a checking account with them.
Product: Money transfer, virtual currency, or money service

My minor son who is currently XXXX XXXX XXXX created a cashapp account with an incorrect Date of Birth and he do not remember what date of birth was used. He has recently received funds in the cashapp from his grandmother, dad and friends but unable to collect the funds because it requires him to have a identification card which he does not have at age XXXX as of today XX/XX/24 there is a balance amount of {$23.00} dollars in the account. I called cashapp number XXXX on XX/XX/24 and spoke with XXXX, I explained to him the issue and he told me that he is not able to assist me and that there is no manager to direct the call to and there is no corporate department and there is no legal department he proceeded to say unfortunately, I am unable to assist you at this time and will now disconnect the call and the call ended. 
I called back and spoke with XXXX, I provided him with my cashapp details instead of my son cashapp details and explained to him that the concern is about the cashapp that my son created and are unable to retrieve funds and that I wanted to speak with a manage to make a complaint on XXXX, the first rep I spoke with and also address how we can retrieve funds from my son acct, XXXX seemed as if he was going to help but phone was accidentally disconnected on my end. I called back and spoke with XXXX who stated that she saw XXXX notes but the notes only mentioned a request to speak with supervisor and did not mention anything about my minor son acct. she also stated there is no manager on Saturday and she could send over a case request ( she provided me a case number ) for a manager to call me back. I informed her that the first call was under my sons cashapp and that he was with me if she need to speak with him.. she stated she can only assist with 1 case per call and is unable to transfer me to another agent and that I will need to callback. I called back and got another agent ( forgot to take her name ) and while explaining my concern, I receive a call from cashapp and placed call on hold and it was XXXX from cash app.. I asked if he is a manager and his response was umm, what do you want? I replied you are rude as XXXX and I dont want to talk to you and I hung up the phone I went back to the other cashapp agent and asked if we could proceed as I thought it was a manager returning my call but they are gone.. she replied if another agent called you then you can speak with them and she disconnected. All of this took place on XXXX. I am in disbelief that so many agents were as rude as the ones I have dealt with and did not attempt to provide any additional assistance.. I will be closing out my Cash app after XXXX years and do not recommend anyone to use this service as the customer service is horrible and you could potentially lose money added into this app and unless youre able to afford an attorney you may never get your funds back.
Product: Credit card or prepaid card

XX/XX/XXXX {$27000.00} XXXX XXXX  XX/XX/XXXX {$330.00} XXXX   XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX   XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXXXX/XX/XXXX {$360.00} XXXX XXXX  Fraud Charges made on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Experian.com - Couple different problems with this account. 

They first had the WRONG DOB on file. I have requested for this to be fixed. No one has fixed this. 

They also disconnected my bank account with Experian boost for no reason what so ever and never notified me of this and now I can not get the account to reconnect. I have called and no one is able to assist me with this. 

I also noticed that the majority of my positive accounts and my negative accounts are not reporting on the report because I pulled a my annual credit report and they are reporting on that Experian report. 

Also I was in the process of buying a new car and the dealership told me their is a freeze on my credit file. I tried to lift the freeze via XXXX and they have advised me online their was a error. And when I called XXXX - they said their is no freeze but the dealership is still til this day having issues as I type this to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that do not belong to me. The following accounts are not mine:XXXX XXXX - XXXXXXXX - XXXXXXXX  - XXXX and XXXXXXXX XXXX - XXXX and Equifax XXXX - XXXXThese accounts are a result of fraud.
Product: Debt collection

Citibank filed suit against me in XX/XX/XXXX/XX/XX/XXXX ( despite my previous offers to pay a portion thereof ). Case went to trial XX/XX/XXXX. Ended in Judgment granted against me XX/XX/XXXX. In XX/XX/XXXX, I received from Citibank a XX/XX/XXXXForm XXXX ( Cancellation of Debt ) as to the account number sued upon in the previously mentioned lawsuit and in the amount verified in said lawsuit. The XXXX XXXX Identifiable Event Code " G '' was given : " Decision or policy to discontinue collection. '' I filed my paper copy of my XX/XX/XXXX tax documents via regular mail sent from my home on XX/XX/XXXX. I paid my taxes due with a Direct Pay transaction on the IRS 's website, including taxes on " earned income '' represented by the XXXX Cancellation of Debt. Then on XX/XX/XXXX I missed a telephone call, ending in a voice mail message from " XXXX, '' asking me " again '' to call him at XXXX ( but which shows up on my prepaid phone as XXXX ). He didn't state what company he was calling on behalf of or what his call was about. I figured it was a personal telephone call, and he had dialed the wrong number. So I called him back to tell him he had the wrong number ( and he was wasting my prepaid minutes ), but a woman gave me my first and last name. After that I didn't understand 98 % of what she said as she had a thick accent. When she mentioned a dollar amount, I told her " Goodbye. '' Now I'm filing complaints with my state 's Secretary of State, the FTC, here at Consumer Finance, and with the SEC or anyone else I can file a complaint to. If this call was from Citibank, their right hand doesn't know what their left hand is doing. If this call was from a third-party vendor or even sold to another company, doesn't Citibank have a responsibility to share with them the filing of a XX/XX/XXXX Form XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In that month, I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today.
Product: Credit reporting or other personal consumer reports

Collections account that was previously deleted from my credit files due to fraud have been added back to each file and re-aged as if the deliquincy is current and just happened, impacting my score. Re-aging is illegal under the Fair Credit Reporting Act. Furthermore, the account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four times XXXX XXXX XXXX has given me 30 days delinquencies when I was NEVER late once. Each time I had to go through a two month process until they corrected each one. 
Latest was I spoke to them was XX/XX/XXXX about a payment due of XX/XX/XXXX. They said I did not owe anything for the XX/XX/XXXX bill. They said going forward to the XX/XX/XXXX bill, all I needed to do was final payment on loan. I asked to pay it off anyway XX/XX/XXXX to keep it in the XX/XX/XXXX invoice 30 day cycle. My payment was taken over the phone and I saw it was taken out of my account following day as normal. 
A couple days later I received alerts that I had been reported as late! Not only had I made the payment timely, but I had been told by TWO different people that I did not even have one due!! 
When I called to inquire about this twice, I was just told that no one could figure it out and it would have to go to a dispute again, which takes two months and I am not even allowed to talk to anyone in the credit department. 
If this happened once, maybe it is an accident, but four separate times?? They do not care that this lowers my score about 50 points each time it happens.
Product: Bank account or service

I have been reported to ews by XXXX XXXX XXXX, XXXX, XXXX and XXXX, all of which are fraudulent accounts due to my identity being stolen. I have placed blocks on my credit reports as well as Chex systems. I have exhausted all options to have them removed on my own. I 've filed identity theft reports with FTC as well as my local police department to no avail. According to the fcra I have the right to have these blocked and not used against me, in which they 're not blocked as I was denied a checking acccount recently due to this. I need these accounts removed once and for all, it has really hindered my life. Thank you.
Product: Debt collection

I could not get XXXX XXXX XXXX XXXX XXXX XXXX XXXX to accept a indigent payment settlement offer for past due rent billed to me. XXXX XXXX XXXX had me agree to pay {$2900.00}. Brett Borland law Office explained the settlement was given from XXXX XXXX the person who told XXXX XXXX she paid a overpayment for me. My family and housing counselor ask me to Appeal a rent balance for past due rent, was sure it could be dismissed not owed. I was aware to pay XXXX XXXX XXXX and brought these facts up to Brett B Borland Office billing me the rent dispute XX/XX/year> for a higher pay off balance. The XXXX XXXX had the XXXX XXXX XXXX debt offer requested to be settled for 50 % less. XXXX XXXX XXXX did not respond which caused this Law office to get me to owe {$800.00} more instead of trying for less. I had proof for 2024 of not having business earnings to not received a indigent settlement offer. The Property Manager who hired XXXX XXXX XXXX to bill me and sent the debt to the Law Office was fired. This cause me to pay off a higher estimate changed from Law Office of Brett Bordland posted to my credit card XXXX XXXX for {$3700.00}. In order to have the rent balance settled for a lower amount and removed from my credit history. I am satisfied with the debt no longer having history as due and owed, from agreeing to a settlement that XXXX XXXX XXXX XXXX XXXX would accept agreement for. This was done without a fair estimate legally assisting my income budget for XX/XX/year>. Therefore filing this complaint to receive a adjustment for {$800.00} added into setttlement offer to assist with my debt offer not being declined from XXXX. The XXXX XXXX XXXX was no longer on the account for the XXXX XXXX to assume I was not qualified for a lower settlement offer than {$2900.00}. Which cause me as a consumer to need protection from the business practices of disputed rent balances. When the debt sent to a law office their was always a way to resolve the balance for lower than XXXX percent. This caused my complaint as valid to CFPB, please assist this complaint from me overpaying on a disputed debt to resolve the debt settlement offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with NAVIENT. I spoke to NAVIENT after all loans were paid, and was told my loan would be reported as, closed, and paid. Navient still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with Navient but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, I opened up a line of credit ( XXXX ) with XXXXXXXX XXXX now known as First Horizon Bank for {$47000.00}. On XX/XX/XXXX, I refinanced my home with XXXX XXXX XXXX and paid off the line of credit with XXXX XXXX  and closed the account. Once the check was processed, XXXXXXXX XXXX was directed to forward Register of Deeds Office the original Note and Deed of Trust marked " PAID AND SATISFIED IN FULL '' in order that same may be cancelled of record. Should they have any question, they were directed to contact the closing agency XXXX XXXX XXXX. At XXXX XXXX XXXX XXXX, then directed them by law and request of XXXX XXXX XXXX, to please, close this account and cancel any related security instrument immediately. Please see attached letter from XXXX XXXX firm directed to XXXX XXXX  Payoff Department Loan # XXXX, XXXX XXXX ( Payoff letter with Payoff Effective Date ) showing and proving the payoff amount with ( Per Diem Amount ) Showing and proving the loan was paid off in the correct amount. Also Authorization To Close Home Equity Line Of Credit Account, please review. Attached also is a copy of a police report, XXXX Report, Closing documentations. 
I have not or never opened another account with XXXX XXXX or First Horizon Bank. I have specifically asked for VALIDATION of any INSTRUMENT or CONTRACT Bearing my signature, Pursuant to the Fair Debt Collections Practices Act, XXXX XXXX ( XXXX ), Validating Debts. They're are numerous Violations within the credit reporting from First Horizon Bank. They are reporting XXXXyears late aXXXXdays every month and by law is a violation. If the account in question was in fact mine or anyone 's for that matter. 

" NOTE '' National banks and federal savings associations must follow federal rules and guidelines for charge-offs. Both types of financial institutions must charge-off delinquent installment accounts at XXXX days or five missed payments, and credit cards at " XXXX days past due after seven zero billings '' ( Allowance for Loan and Lease Losses ( XXXX ), Comptroller of the Currency Administrator of National Banks ). I also have attached the false reporting, Showing, High Balance {$9200.00}, Reported Balance {$10000.00} and they still have the account status as OPEN, Payment Due {$0.00}, Date opened XX/XX/XXXX and month after month they add another XXXXday late which is against the law and a direct violation of the XXXX & XXXX. Resulting in Open Date, History, Highest Balance, Term Payment Status Account Status, and Days late reporting on XXXX XXXX XXXX, completely false, inaccurate and simply not my account. I have disputed this account with XXXX XXXX or more times without the proper results after showing and proving my claim, backed with factual evidence and they are in direct violation, Along with First Horizon Bank. XX/XX/XXXX First Horizon Bank Update the reporting with XXXX to XXXXdays late every month for XXXXyrs and XXXXdays late for over XXXXyr still showing major violations.
Product: Checking or savings account

I am filing this complaint due to Ally Banks unacceptable handling of a fraud investigation and the subsequent freezing of multiple bank accounts, combined with egregious communication failures that left me without access to my own funds and without proper updates for weeks. 

On XX/XX/year>, a check for {$2000.00} was deposited into my account. On XX/XX/XXXX, the check was returned as XXXX. On XX/XX/XXXX, Ally claims that they posted a notice about account restrictions via their internal Ally Online Services ( AOS ) portal but no effort was made to actually notify me via phone, voicemail, or secure text message. This was the first time Ive ever been told to check that portal, and I had no way of knowing to look there. 

I never received an email from Ally on XX/XX/XXXX, despite checking all inboxes, spam, and junk folders. I was completely unaware that my accounts were frozen until I attempted to access them and was locked out without warning. 

Ally claims to have notified me several times, but failed to use basic, obvious methods of human communication such as a phone call or official bank text message that would have ensured I was aware of a potentially serious issue affecting multiple accounts. This is a major procedural failure. 

On XX/XX/XXXX, I spoke with Allys customer care team and asked what I could do to assist in the investigation. I was told that the individual who wrote the check should confirm with their bank that it wasnt altered. That person did so promptly and even contacted their bank directly to ensure it was documented yet Ally never followed up with their bank. 

On XX/XX/XXXX, I was finally granted limited account access after speaking to an associate who appeared to realize the freeze was excessive. To now claim that restoring access was a goodwill gesture is inappropriate it was a correction of Allys own overreach. 

When I followed up again on XX/XX/XXXX, I was told there was no resolution timeline. Even more troubling, when Ally did lift the restrictions, no one contacted me to inform me the accounts were restored. I only discovered this by calling again on XX/XX/XXXX under the assumption the accounts were still frozen. 

Furthermore, when I attempted to close my accounts through a secure message on XX/XX/XXXX, I was not permitted to do so and was forced to call yet again wasting even more of my time. 

Ally has continuously failed to uphold basic communication standards throughout this process. I was locked out of my own money for weeks, had to be proactive at every step, and was met with no accountability. Their handling of this matter has been both disrespectful and harmful. 

I no longer trust Ally Bank to safeguard my funds or treat customers with the transparency and professionalism they deserve. I am requesting this complaint be formally noted on their record, and I urge the CFPB to investigate how Ally handles fraud investigations, account freezes, and customer communication. No customer should be subjected to this kind of treatment.
Product: Debt collection

On three occasion from XXXX XX/XX/2017 I attempted to settle my debt by paying off a smaller amount. XXXXXXXX XXXX refused to negotiate or accept the amount I was offer. I have been out of work for an entire year with a very limited income and the continue to send letters demanding payment.
Product: Checking or savings account

After having banked with US Bank for several years on  XX/XX/XXXX  I received a letter notfying me that US Bank was opting to close my account based on what they deemed to be " Suspected Irregular Activity ''.
Despite filing a rebutal my account was " Closed '' offically on  XX/XX/XXXX and a cashier 's check issued by US Bank in the amount of {$920.00}. On  XX/XX/XXXX  in an effort to open another checking account at a diferent institution I was informed that US Bank reported me to "   XXXX   and   XXXX   XXXX   XXXX   '' after re-opening my " closed '' account without notice in an effort to charge me for a questionable charge previously disputed in  XXXX  of  XXXX .
Upon receving this information I made contact with my previous branch vie US Mail with a signature gurateee card along with a detailed letter to US Bank outlining my fidnings and questions surrounding questionable branking practices and lack of supporting documentation supporting the re-opening of a closed account without my prior acknowledgment.
Product: Checking or savings account

On XX/XX/XXXX I fell asleep at someones house woke up and found my phone missing I notice there were charges on my account I didnt make I notified the bank they were disputed I heard not a signal word until Saturday XXXX when letter came say that XXXX of the charges was not charged to my account and that the other claims were still being investigated a new card was sent I recieved on XXXX when I called about the letter I ask the guy why on my pc it would ask me if I want to check or update my dispute why my pc wasnt doing it know more he said that I dont have any open disputes I said what you mean why wasnt I notified of there closing and the reason why so the guy put me on a brief hold which took about XXXX to XXXX minutes and he went back in and he he re-opened up the cases OK cool so you answer the question about the letter that they sent and we hung up I go on a computer to use to purchase something and it wouldnt accept my card so I tried going through XXXX and XXXX said I couldnt authorize my card so Im like what the XXXX  its called the bank again to find out why my car working send they tell me that its been suspended for issues I said how did I miss it? I just got this card XXXX days ago. What did I miss? Use it on where so because the guy went back in and re-dispute it the cases from XXXX XXXX shut my ATM card down which Im a XXXX XXXX and I need to buy material stuff. why did they shut my business card ATM card down for 12 months because of this use, I didnt use it. They just sent me a new one out since then until now theres been no issues. I didnt even use the last one. My phone was stolen while I was sleeping and somebody used it to do whatever they did with it and I said if anything was misuse or anything, it was the digital card to spend that how are you gon na suspend my main ATM card all the material stuff I buy they dont even take cash for this XXXX and where you got ta pay for it with a cardso then I call a guy whos there from the case management whatever hes XXXX, couldnt even talk on the phone. He started talking to me and then he would stop and change the subject and change like he was just talking circle. He was straight more. I dont know what the XXXX is wrong with him. maybe hes hire something so from the time they sent me this new card XXXX  days ago theres been absolutely no misuse now they want to spend my car because their own worker went back in and re-open up and dispute that they failed to recognize or even provide me adequate information on the closings of them and why they were closed. He couldnt even tell me why they were closed. I asked him I said why were they close in the first place he wouldnt tell me he didnt say nothing so its OK for Wells Fargo to go in and steal money out of peoples accounting stuff but somebody has somebody steals my phone and misuse mine my cards and I got ta pay the price for it but yet they didnt get kicked out of banking. Did they for stealing