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

Ally Bank has consisted and transacted in a fraudulent manner and refuses to resolve the issue or try to resolve the situation in which they have created. Ally Bank Opened a Checking and Savings account in my name with stolen information on or around XX/XX/XXXX. I am a victim of identity fraud, and these applications for both of these accounts were not authorized nor approved by me. I have extended fraud victim alerts on my credit files which specifically states that before opening an account or approving an application I MUST BE CALLED and IT MUST BE VERIFIED I AM Opening the account or application. Yet Ally Bank, Opened both checking / savings account and did not contact me asking if I approved the application. These applications overall are fraud. Additionally, Ally Bank never sent me any documents, they did not send me any debit cards or even verify my information. I can not login to said account 's nor could I ever view what transactions occurred because ALLY BANK again didn't verify my information. When I try to retrieve or login to the account based on the credit file it says it tries to text some phone number that doesn't match mine ( Ending in XXXX ) It also says XXXX email addresses I have never owned XXXX, and XXXX Neither email address is owned nor can I retrieve any emails from said email addresses. I do not own the phone number ending in XXXX. Additionally Ally bank closed this account originally for identity fraud, but later reopened the account and charged it {$4400.00} IN CHARGES. Again unauthorized charges. I did not conduct business with their merchants, and I did not receive any monetary benefits from said transactions. I do not work for the employer they had depositing in the account either, nor have I ever. I spoke to their fraud department and this was supposed to be taken care of MANY MONTHS AGO, but instead ALLY Bank Sent this to XXXX and XXXX XXXX XXXX stating ( Account Closed for Cause OVERDRAWN ). I did write in to Ally Bank to dispute this debt and Ally bank did not contact me back, and instead called my family members to harass them telling them they will collect this debt and I WILL Pay it. I refuse to pay something I did not accept responsibility for, nor did I ever Approve these accounts to be opened in the first place. These are fraudulent applications and all transactions on these accounts are FRAUD. This is damaging my credit and not at fault to my own. So I expect Ally Bank to provide monetary relief for lying to XXXX for an account I didn't authorize just because ALLY Bank wants to collect the debt and the easiest way for them to do so is abusive practices and Lying about the victim instead of the thief. I do not own these account 's and I do not accept responsibility again. These accounts are fraud and can not be retrieved I did not receive any DEBIT Cards and I have not physically called these people.
Product: Credit card or prepaid card

Money was used off my card after I was denied for the dispute
Product: Money transfer, virtual currency, or money service

On XX/XX/22 initiated 4 invoices and they were paid on the Square Invoice system. Afterwards I was asked to provide a list on identifying docs via email, which I did. On XX/XX/22 I was informed that my account was deactivated and provided to reason as to why and informed that my balance of {$1900.00} would be on hold for 90 days and that I would have no access to the funds prior to then. I called and tried to get some resolution, but to no avail. Waiting for 90 days for funds that I rightfully own is absurd.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I terminated my internet service with XXXX. They informed me that I needed to return their device or be charged {$490.00}. I returned the device and have proof of delivery. However, I was still charged the amount on my bill. I contacted XXXX 's customer service, provided proof of the return, and was told to wait while they resolved the issue. 

In XX/XX/year>, I was informed that XXXX had reported a collection account on my credit report. This is incorrect, as I returned the device and owed them nothing. 

In XX/XX/year>, I disputed this matter with the XXXX credit bureaus, providing evidence that I had returned the device and did not owe XXXX any money. However, Equifax and XXXX failed to properly investigate my claim. They sided with XXXX without reviewing the evidence I submitted, which is unacceptable. 

I have never owed XXXX anything since I returned their device. The three credit bureaus failed to conduct a proper investigation, did not contact me to review my side of the case, and did not address the evidence I provided.
Product: Money transfer, virtual currency, or money service

They haven't responded to my request to change my email cause the first one was lost with my personal information and now there is third party access ..After Pay..
Product: Consumer Loan

When my car was repossessed, I never received a " Notice of Disposition '' to notify me where and when the automobile would be auctioned off. Also, I never received a " notice of intent '' within 15 days prior to the auction sale. Under California laws, The lender is prohibited from attempting to collect a deficiency balance under these conditions.
Product: Credit reporting or other personal consumer reports

Ive received a copy of my report & notice that I have so many inquires that I am not aware of. Im asking that these inquires be cleared from my file because I havent applied to any creditor at all. I would like for these creditors to be contacted & also provide me with a copy of my updated credit report
Product: Money transfer, virtual currency, or money service

I bought a XXXX  XXXX  from this group -> XXXX XXXX XXXX XXXX XXXX XXXXXXXX and i bought directly from these two profiles -> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This group is also administered by XXXX XXXX XXXX XXXX XXXX XXXXXXXX I payed via paypal friends and family on XX/XX/2023 to XXXX XXXX XXXX  the amount of {$300.00} and I payed the amount of {$450.00} to XXXX XXXX on XX/XX/2023 for XXXX XXXX XXXX then i payed am additional {$200.00} via a XXXX XXXX gift card to XXXX XXXX for the XXXX XXXX  delivery. We had originally agreed the total would be {$750.00} including delivery of the XXXX  and food until.i was ready to receive the XXXX, then she said regulations changed and that for the nanny services it was an additional {$200.00} and then they were charging me an additional {$700.00} for a crate refundable upon arrival of the XXXX. That is when i realized it was a scam. I think it prudent for XXXX  to act against this group of people by banning them out and collaborate with judicial agencies to stop them from offering puppies to innocent people, families and children.
Product: Debt collection

I have 2 different accounts through the following company for 2 different amounts, neither of which I know what its from. 
XXXX. ) {$630.00} opened XX/XX/XXXX, XXXX multiple times XXXX. ) {$160.00} opened XXXX XXXX multiple times All I want is for these items to be dropped off since I feel these were back from when I was ages XXXX. They constantly are reopened for no reason which then adds more time on to them being on my credit report.
Product: Debt collection

I notice this company XXXX XXXX place a collection on my credit report but it 's already place on my report from another company I received nothing from this company stating they will be placing anything or attempting to collect any debt from me. I search for their licenses to collect debt in the state of Florida and I could not find anything from them or their parent company on the states website.. I contacted the bbb and they responded that they will remove the item from my credit report and they have yet to do so.. I have read a lot of complaints on this company and some have stated that they are a fraudulent company and they way they conduct business is not of standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not do what the company said I did. An agent from the XXXXXXXX XXXX had my phone and information and did it all. I did not agree to any of this and my monthly budget did not fit in. The agent from the XXXX XXXX  lied about her intentions with my information and lied about the amount I make monthly. I did not agree to these charges And payments, I was told the company was covering it all. I do not have the product they claim I have because I did not agree with it after I found out what she signed me up for. I sent in a previous report please refer to it for additional information on this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, account # XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. Status I have a right to provacy.

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 istructions.
Product: Checking or savings account

Wells Fargo XXXX # XXXX. 
On XX/XX/XXXX an unauthorized wire transfer for {$24000.00} was made out of my checking account. Wells Fargo contacted my wife and asked if we initiated the wire. We told them we did not and to not allow it to go through. I was assured it wouldn't be an issue. The following day I logged back into our account and the money was gone. We contact Wells Fargo and filled the claim listed above. They told us to give the fraud department 10 business days. After 10 days I received a letter from Wells Fargo saying our claim has been closed. I will provide a copy of the letter.
Product: Mortgage

In my previous complaints, both here and on the phone, starting on XXXX the XXXX or so, I had asked Fay servicing to provide an escrow analysis justifying the payment amount that was imposed XXXX  days before the XXXX payment was due. It was changed from XXXX ( from the XX/XX/XXXX escrow analysis ) to XXXX ( Current payment amount ). Now Fay servicing completes a new escrow analysis and provides a XXXX NEW PAYMENT AMOUNT ( From XX/XX/22 Escrow Analysis ) IN A XXXX  MONTH SPAN in the amount of XXXX. So far Fay servicing has not given me proper justification for the 2nd payment amount, and by giving me a 3rd new payment amount has also admitted that the 2nd payment amount was incorrect. NOTHING about this mortgage has changed since XXXX when Fay servicing took over. This level of incompetence is obscene. I would be ashamed to work for Fay servicing and would question why the people in charge of this are still employed. This is basic math. Fay servicing does not have the ability to use basic math. Please provide an explanation why the 2nd mortgage payment differs from the third even though NOTHING has changed. Please explain the calculation ( mortgage balance and applicable % ) you are using to arrive at the monthly XXXX  payment.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccurate reporting in terms of amount and dates.
Product: Student loan

I was enrollednin university XXXX XXXX and had obtained grants and loans to pay for my college i became XXXX XXXX and the last grant installment due to me that the college git i never recieved. They wont take this account imoff my reports and is hurting me financially is on there more than once and i never withdrew from the college they withdrew me
Product: Consumer Loan

I was granted a change of due date from the  XXXX  of the month to the  XXXX . Paid the regular  XXXX  payment and set up for auto withdraw for  XXXX   XXXX .  XXXX   XXXX   XXXX  withdrew  XXXX  payment in   XXXX   and I did not authorize  XXXX  car payments in the same month. I called on   XXXX   and was told that there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I have called and sent letter to the following companies in regard to inquires listed on my account asking for documentation because i did not authorize the inquires to be run.

they need to be removed ASAP, according to 15 U.S. Code 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this account ( XXXX XXXX XXXX XXXX  ) has been sold to another collection company without my knowledge or consent given them my personal information that o did not approve and according to 15 U.S. Code 1681e ( B ) this must be removed from my credit ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter in XX/XX/2021 for {$1400.00} for a debt validation of original documents. The company did not send the original documents requested.
Product: Mortgage

This complaint is against US Bank and their loan modification process. Attached is the complaint I filed with US Bank regarding my experience with their loan modification process. I started this process back in XXXX and have made the three required trial payments. I continually asked, when making these payments, if there was anything else I needed to do or any other documents I needed to submit. They always responded that I did everything they asked and submitted all documents. While I was in the hospital ( admitted XX/XX/19 ) waiting for XXXX XXXX XXXX US Bank called me and informed me that they stopped the loan modification process because I did not submit a required form. US Bank claimed that they sent me a letter by mail requesting this form. I never received this letter. It took me several attempts to find out what form they were talking about since they had previously stated that they had received all of the forms they needed from me.
Product: Mortgage

RE : GREGORY FUNDING MORTGAGE SERVICER, OF XXXX XXXX, CA XXXX XXXX XXXX XXXX TO PAY MY ESCROWED PROPERTY TAXES BY YEAR END XXXX AS REQUESTED! 
I'm filing a Formal Complaint against my Mortgage Servicer, Gregory Funding for REFUSING to pay my Property Taxes by Year end XXXX, as I requested several times via email, on the phone & via fax on their formal letter form as requested. 
XXXX XX/XX/XXXX, I faxed a formal request to my Mortgage Loan Servicer, requesting that my Escrowed Property Taxes ( that I paid on time monthly via my mortgage ), be paid by Year end XXXX, to my City Taxing Authority to ensure I receive a Tax Receipt by Year End XXXX, showing I paid my Property Taxes. 
**On XX/XX/XXXX, I called as a follow up reminder & was advised that they will mail the taxes by the due date of XX/XX/XXXX. I advised the rep that I needed to speak to a manager in the Escrow Department to ensure me my Property Taxes would be mailed by year end XXXX. I was advised to wait until next week because they mail the taxes in batches & if I do not see that my payment was received, to call back & email Gregory Funding Escrow Department ** On XX/XX/XXXX, I called the City of XXXX, WI & asked if my property Taxes were paid yet. I was advised NO by the Treasurer 's Office. So, I sent an email to Greory Funding on XX/XX/XXXX @ XXXX requesting that they mail my Property Taxes by XX/XX/XXXX ** I called Gregory Funding again on XX/XX/XXXX & spoke to the Escrow Dept - a rep by the name of XXXX XXXX She advised me that they will mail my taxes by XX/XX/XXXX - the bill due date. I advised her that I faxed a formal request XX/XX/XXXX, & was assured by completing the tax request form, my Taxes would be paid by XX/XX/XXXX, not the due date of XX/XX/XXXX. XXXX stated that they are not required to pay taxes by year end & disconnected our call. I called back & was on hold for over XXXX hour before I hung up. 
XXXX XX/XX/XXXX, I sent another email to Gregory Funding- Attention Escrow Dept requesting an immediate response to the lack of customer service & to assure me my Property Taxes were paid by year end XXXX. I never received a call nor email **As of XX/XX/XXXX, My Property Taxes were not paid for XXXX
Product: Debt collection

I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my ( XXXX/experian/XXXX report on XX/XX/year> and noticed some things are incomplete and not accurate. I have one late payment reporting 30days late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. CREDIT ONE which reported a 30 day late payment in08/10/2023. They have violated my rights. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If this information can not be verified I demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.
Product: Money transfer, virtual currency, or money service

Citi bank has been frustrating for quite some time now, they restricted my profile which i called to the customer service to verify all of the payments and transactions made on the account still citi wouldnt remove restrictions from the account and wont let me have my money email and phone liked to the citibank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, XXXX  and TransUnion a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called Transunion directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to XXXX  about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reporting a collection on my report as of XX/XX/XXXX in the amount of XXXX with XXXX XXXX XXXX , XXXX as a third party collector who purchased the debt from the original creditor, XXXX XXXX XXXX. The partial account number is XXXX. 

The account in question belonged solely to my father, XXXX XXXX XXXX who passed away in XX/XX/XXXX for which XXXX XXXX was notified and sent a death certificate. Any claims by XXXX XXXX should have been filed in the XXXX County Court, Probate Division. 

The property was sold and never once did XXXX XXXX claim any fees due when the new property owner transferred the account. Neither XXXX XXXX or XXXX XXXX XXXX have ever contacted me regarding this matter. 

I have never been responsible for this bill, nor should they have any of my personal information, except for paperwork naming me as Successor Trustee of the estate. This attempt to circumvent the judicial system by both XXXX XXXX and XXXX XXXX XXXX violates the Florida Probate Statutes, the FCRA as well as FDCPA. 

If this is not removed immediately, I will file suit against both XXXX XXXX XXXX. and XXXX XXXX, as well as filing a criminal complaint with the XXXX Attorney of XXXX County, Florida.
Product: Mortgage

My load was sold to PHH mortgage and they took my XXXX payment for my old mortgage company. I made my XXXX payment on the XX/XX/2021 and it was retuern to me on XX/XX/2021 and when i called to make by payment on XX/XX/2021 so it will not be late no one will take my payment over the phone and is tell my that I have a 60 day grace period that my credit will not be effect but it looks like Iowe 14mths of payment which the have made all payment before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b  Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, D ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX  XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.