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

Original Complaint No. XXXX My initial complaint was that Ally Bank refused to remove access to XXXX and XXXX XXXX XXXX XXXX online accounts. This is not true, and the issue remains unresolved. 

I received the attached response stating that as of XX/XX/2023, my XXXX privileges have been permanently revoked and I no longer have access to XXXX and XXXX XXXX through Ally Bank. I still have full access and use of the services through my Ally Bank account. 

I am again, directing Ally Bank to permanently remove access to the services through my accounts. 

The response falsely states that I enrolled in these services. I have never enrolled in, or activated XXXX or XXXX XXXX through Ally Bank, directly with XXXX, or through any other third party. I have not agreed to the terms concerning such, detailed in the Ally Bank Online Banking Services Agreement, Version 27.0, effective XX/XX/XXXX which only applies WHEN YOU ENROLL in one of these services. 

XXXX to the services was automatically added to my accounts without my enrollment, knowledge or consent. Clicking on XXXX or XXXX XXXX to see if it can be used through my account does not constitute enrolling in the service. 

Allys response concedes that I was able to access & use XXXX on several occasions subsequent to their claim that access had been permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request for the agency to verify that this debt belonged to me and asked for documentation of proof that this account is mine! The agency sent me a letter containing the last XXXX digits of my social security numbers and nothing more! This company is continually reporting this inaccurate information on my credit report and it is causing my great distress! I am writing in hopes of finally settling this matter! I have been going back and forth with this credit agency for XXXX months! This is the first time they respond to me! With a document recording the last XXXX of my social security number and my original dispute included this information! This is ILLEGAL practices from this debt collector! I will have to take this matter to court if it is in my best interest! While I prefer not to litigate I will do whatever is in my best interest to resolve this matter.
Product: Mortgage

Back XX/XX/XXXX I filed a complaint with you because my morgage payment had been messed up since XXXX of XXXX. According to my complaint and you sending in to ditech it was supposed to be corrected. Well here we are again and its the same exact thing as the previous complaint. It currently shows that I am behind on my payment which is not correct. It states my last payment was XX/XX/XXXX which was when they supose to have corrected my account. I made a payment on XX/XX/XXXX and XX/XX/XXXX but it does not show this. This is the exact same thing that has been happening every since last XXXX. It's so frustrating. I just want this to be fixed correctly, although it is a clear as glass that even management doesnt know what they are doing. I just dont know what to do anymore. The one thing I can tell you is that I dont have that kind of money to make 2 payments when I have been paying all along.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX Charge Off XXXX XXXX XXXX {$440.00} XX/XX/XXXX Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Called to get copy of original contract Consumer violations under 12 USC 5531 ( a ) Deceptive Practices 12 USC 5531 Abusive practices 12 USC 5531 ( d ) ( 2 ) ( A ) - ( B ) Executive Law 63 ( 12 ) Fraud
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$350.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Student loan

I have been struggling for over a decade to get affordable payment options for my student loan. 4 years ago I was set up on a payment plan to repay my loan. It would prevent my account from going into default, lower my interest rate and make my payments much more affordable. I signed up in a couple years went by. I get phone calls I need to reapply for this loan payment plan, It was quite a hassle to get them to put me on the same program again and involve lots of threats on their end but they finally put me back onto a payment plan. They never told me there was a time limit on this program so I dont know how long it lasts for and they never sent me a form of the contract besides one document that says theyre taking the money out that they said once a month. Apparently the plan expired in XX/XX/XXXX I have not re-signed up for a plan because they are no longer offering it to me and I am looking at getting a lawyer to deal with them because all the promises that they made have not shown up on my credit. My loan went into default even though I was on the program and now only a few months after this repayment plan expired my loan was sent to a collect Agency. To my understanding they should not have sent my loan to collections in such a short period of time after a payment as it is less than 270 days. Name of the collection agency is XXXX XXXX XXXX XXXX in XXXX Florida
Product: Debt collection

XXXX/XXXX  and the Collection agency they use XXXX XXXX XXXX continuously ignored my forms and reports of the debt not being my debt and it was result of identity theft. They've added false debt to my credit report. XXXX claimed it would take 30 days to investifate and sent a letter in threee days saying it was my debt even after the proper forms were submitted such as my FTC report.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking/savings acct with Wells Fargo , tried to make deposit using phone app, wouldn't except check., called local branch on XXXX  was told to come in.Arrived, man helped me set everything up and made a deposit of {$3000.00} from an existing personal acct from XXXX XXXX, on XX/XX/XXXX received notification that my existing XXXX acct was not active and account was closed, which is false. Its active and fully funded with available money. Called back and was told same, went to bank that afternoon and spoke with branch worker, she called the bank bank as she put it, was told the same. Saturday morning XX/XX/XXXX I received notification from XXXXXXXX XXXX  the check cleared, but it still NOT showing available funds in Wells.I also made a transfer of XXXX. To savings from same account and all has cleared with XXXX, bit nothing showing up in Wells
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of several debts and entries on my credit report, as detailed below. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters and take appropriate action to ensure compliance with applicable federal and state laws. 

XXXX. XXXX XXXX XXXX 

Account XXXX : XXXX I am not liable for the reported debt of {$55.00} to XXXX XXXX XXXX This account has been erroneously listed, and the company has failed to provide me with the original contract bearing my wet signature and identification. Without such documentation, this debt is unverifiable and unenforceable. 

XXXX. XXXX XXXXXXXX XXXX SS Account Numbers : XXXX and XXXX XXXX XXXX XXXX SS is listed twice on my credit report with two different account numbers. This duplication is misleading and inaccurate. Additionally, the company has not provided any original contract or documentation to substantiate these entries. Under the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be accurate and verifiable. I request the removal of these entries until proper documentation is provided. 

XXXX. XXXX XXXX XXXX  Financing Account Number : XXXX Balance : {$5800.00} The reporting and handling of the debt related to XXXX XXXX XXXX Financing involve multiple violations, as outlined below : Failure to Notify of Sale : XXXX XXXX XXXX  XXXX failed to notify me of the sale of the repossessed vehicle, including when and where the sale would take place. This lack of notification is a direct violation of my rights under the Uniform Commercial Code ( UCC ) and federal law. Such failure renders the deficiency balance unverifiable and unenforceable. 

Lack of Accurate Accounting : The lender has not provided an accurate accounting of the sale proceeds and any claimed deficiency balance. Under the Truth in Lending Act ( TILA ), creditors are required to clearly and timely disclose all terms and balances. The absence of this information invalidates the debt.

Unverifiable Information : Under the FCRA, information reported to credit bureaus must meet the standard of accuracy and verifiability. Without proper documentation and notification, this entry fails to comply with 15 U.S.C. 1681s-2.

Noncompliance with the UCC : The repossession process did not adhere to UCC requirements. As a result, the purported deficiency balance is invalid and must be removed from my credit report.

FDCPA Violations : Any collection efforts on this alleged deficiency balance must comply with the Fair Debt Collection Practices Act ( FDCPA ). Attempts to collect an invalid debt, coupled with the failure to provide proper notices, constitute violations of 15 U.S.C. 1692d ( prohibition of harassment ) and 1692e ( prohibition of false or misleading representations ).
Product: Mortgage

I previously had complaint number XXXX with you all. After the company provided a response you all closed the complaint. However, the company 's response did not address the issues and our escrow account continues to be handled inappropriately. 

They are not recognizing the fact that I have 3 insurance policies and they are not escrowing sufficient months funds.

Furthermore, despite repeated inquiries, they have failed to disclose how they handled the {$8000.00} I mailed them in XX/XX/2022 to be placed in my escrow account. 

My suspicions now are that dishonest actions have taken place or incompetency is at the root of this issue. 

I would greatly appreciate your opening of a new complaint and KEEPING IT OPEN until the matter is satisfactorily resolved. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting

XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX -Account is not related to me,XXXX times submitted a dispute, but accounts is still there XXXX XXXX account was paid off in XXXX, but i have late payment on XX/XX/XXXX, which is not true, paid off letter was provided to Experian but problem is not resolved
Product: Payday loan, title loan, or personal loan

In XXXX, Santander Consumer USA Inc. lost my payoff check, which per the policy of the bank I made the cashiers check from, I had to wait 90 days for the funds to be returned to my account so I could make another check. During those 90 days, I made two monthly payments to protect my credit : one payment of {$450.00} onXX/XX/2019 and another payment of {$450.00} on XX/XX/2019. During this time period, I was assured my new payoff check would be back dated and both of those payments would be returned to me, in addition to reimbursement for sending the replacement check. My new payoff check was sent on XX/XX/XXXX and received on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office of Santander telling me my title has been mailed to me and overages will be sent to me on XX/XX/XXXX. I was driving during this phone call, so I was unable to verify the amount of the overages, but I told the representative that it was not correct, and was less than the amount I paid. She assured me that I would be able to call back if I had more questions. I have called their only phone number many times and the number won't let me past the bot that asks for my account number or social security number. I have entered both and it says I don't have an account with Santander. I have still not received my car title and I have not received my overages either, so there is no reason for my account to not exist. I can not talk to any representative of Santander because of this. I have two emails of Santander Executive Office employees, and I have received no reply for my request to speak to anyone at Santander regarding this problem.
Product: Credit reporting or other personal consumer reports

They have failed to report the on time pay history for the months of XXXX, XXXX & XX/XX/2023, even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXX 's payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
Product: Credit card

Citi Bank Disputes XXXX, 2016 XXXX/mc Card # XXXX For {$190.00} charge from XXXX ( Time share Presentation ) Hotel Reservation. 
Made for XXXX XXXX. After the charge was made we were told of restrictions. 
XXXX XXXX never sent any email or other confirmation, a receipt nor say what their cancellation policy was. The Reservation was changed to XXXX XXXX. 

Their Unsigned letter dated XXXX 2016 from XXXX XXXX was never sent to us nor received. 

The reservation was canceled on XXXX, XXXX the reservation was canceled. 
XXXX XXXX was very rude and unprofessional over the phone and never sent us any documentation via email or otherwise as to their policies before or after the verbal purchase. 








XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies ( CRA ) continued to report inaccurate and inconsistent information on my credit report. I have disputed these accounts for the past 60 days with the original creditors and have received few followups with the creditors but CRA 'S are inconsistent in verifying this information. I believe all CRA 's should be reporting same accurate information and investigate disputes that the consumer requested, instead they continue to resolve disputes without providing me with the methods use to verify the information. I have send letters with all documentation needed but they keep saying investigation still in progress. I have several accounts that says resolved but the status was never updated and unknown addresses and variations of my name continue to be added on my report, after I disputed that information and sent a valid identification, SSN and utility bill to verify my identity. As a victim of identity theft, I request you do a thorough investigation and provide with information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under 15 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.
Product: Checking or savings account

I got hacked my accounts were shut down they said I should be able to get them back up in a week I changed my phone number XXXX weeks before that and they never put my phone number on my account so now I'm unable to access my bank account because there's nowhere that they can send me a text to know that it is me meanwhile hackers keep making fraudulent claims against my account Bank of America throws the money in the account and the hackers take it now if I can't get to my account why can the hackers? My purse was stolen a month and a half ago and I haven't made it to the XXXX to get an ID but I've been banking with y'all for XXXX  years you would think that you could send something to my email or anything so that I could see what's going on with my bank account because I'm the one at the end of the day who's responsible for that money.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some inquiries for credit cards I did not authorized. The inquiries were for XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I filed an identity theft report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continusly reporting fake mortgage and late payments on my credit report.All othwr agencies addressed issues and my xrefit score returnes to excellent as it al wa ays were Not with Equifax. Please correct
Product: Credit reporting or other personal consumer reports

I noticed theres a hard inquiry from Bank of America on XX/XX/XXXX which I wasnt aware of. I reach out to Bank of America immediately and ask them to investigate on this. They said theres no new account recently opened under my name and thats all they can find out. But I really need to know what kind of financial application the identity theft try to apply, or perhaps it is going to be approved soon. I also need these information to file a police report.
Product: Credit card or prepaid card

XX/XX/XXXX i was over charged by {$9800.00}. Bank of america credit card took almost one month to return my funds. They still owe me {$10.00} and have had multiple excuses as to why they can not figure out how or when they'll be returning my finds. I always get a different answer, just a run around. Please help so they can not do this to others as well.