23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? 
To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. 
You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. 
Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. 
Note : We wo n't charge you to receive a wire transfer into your Ally account. 
XXXX END ALLY WEBSITE INFO XXXX
Product: Debt collection

I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

I was actually spammed numerous times with the same reoccurring document that doesn't address my issue. Each one of the documents the company spammed me with also had violations under the FDCPA The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRY, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX  : # XXXX, has violated my rights.
Product: Credit card or prepaid card

As of XXXX, I started getting charged for an additional interest charge, on my Credit Card via TD Bank, is charging me for interest charges- Purchase & Interest charge- Fee, when i called the bank to ask what is this, no one can give me an answer, they are giving me " it could be this or that '' but no concrete answer. This was even escalated to a manager & she once again, couldn't give me an answer except file a complaint bc I am using legal terms. Each month its a different amount, XXXX XXXX XXXX cents, so it doesn't equal the 27.49 % that I am told is my APR on Fees.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX **** Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX - XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX XXXX XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX XXXX - XXXX *** Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, XXXX was not As the original creditor, only I can validate this debt. I do not validate This Debt XXXX - XXXX **** Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX **** Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

Reporting delinquent on a old account. Over 7 years. Unable to verify remaining balance and show proof of value when car was auctioned
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Balance {$730.00}.
Product: Debt collection

I submitted a dispute and a request to VALIDATE a debt with regards to 2 charges on my credit report from a dept collector named ARS XXXX account resolution services XXXX. Amounts showing {$940.00} and {$630.00}. Being that I have absolutely no knowledge of these supposed debts, I sent a certified letter directly to the debt collector, ARS requesting that the debts be VALIDATED not verified. A copy of that letter outlining what information I was seeking to validate the debts per my legal rights under the FDCPA, is attached, along with a copy of the signed return receipt from the post office. 
When ARS responded they DID NOT validate the debts or provide any of the information I requested and is my legal right to obtain to prove the debt is indeed valid and that I have any legal obligation to pay them. A copy of the response letters from ARS is also enclosed. I have never received any certified correspondence from ARS regarding these supposed debts and only learned of them by checking my credit reports. As I am trying to build my credit, I disputed these debts with ARS and I still dispute these debts. 
ARS failed to respond to my request for debt validation and is violating the FDCPA by trying to collect these debts. This is evidenced by their response to my request for validation, as they sent me a letter/bill and are continuing to report negative information to the credit bureaus, when these debts have not been validated. I am therefor requesting to file a complaint against this company.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 


Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit card or prepaid card

My eppicard had expired, so I ordered a new one which I received.I 've been trying to activate the card since XX/XX/XXXX, by calling every day ( several times a day ) I get put on hold for hours and then the line hangs up.When I finally get to speak to a human being, I then get transferred, and get put on hold for hours and then get hanged up again.My money has been put in hold, I can't use the card was told that I have to speak to the fraud department, but I never get transferred to them.I need my child support money and this company doesn't seem to care, they just keep holding my money.Please help they are alot of other families having the same issue with Eppicard.
Product: Student loan

I have direct loan payments set up on my account and it has been working for the last three years without an issue. I am currently attending a XXXX XXXX and I I elected to continue paying my loans despite being in school. However, after a few months of being in school, my monthly direct deposit was no longer being processed. I received no notification of this and my interest then increased significantly on my direct unsubsidized XXXX XXXX Now I am being forced to pay off the accrued interest, not the principal balance due to their error. 

On XX/XX/2018 I wrote to them about this issue and I have yet to receive an answer from them.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, Ally debited my external XXXX XXXX XXXX  account for {$5400.00}, a transfer I requested from my Ally online account on XX/XX/23. The transfer was scheduled to arrive in my XXXX XXXX account on XX/XX/23 ( see attached screenshot ). On XX/XX/23, I received a phone call asking me to call in. When I did, I spent a collective 75 minutes on the phone - the majority on hold - over 3 phone calls because I was disconnected twice immediately after being transferred to a supervisor. 

The phone call was to notify me that somewhere along the way, Ally misplaced my money. On my third phone call, with XXXX, I was told that the transfer had been reversed and would return to the XXXX XXXX account on XX/XX/23. As of today, it is not in my Ally savings account or my XXXX XXXX account. 

I called in for a fourth time over the weekend, and a fifth time yesterday, XX/XX/23. Yesterday I spoke with XXXX, who told me that the " back office '' had sent an email to XXXX XXXX but wouldn't go so far as to call them. Apparently whoever she spoke to advised that I would need to call. 

I have now spent approximately 2 hours on the phone with Ally dealing with their mistake. 

I sent a secure message to Ally yesterday, XX/XX/23, advising them that I would not act as a go-between for two large multi-million-dollar banks. 

I received the following message in response : " Upon review of the transfer, I am showing the funds were unable to be credited to the Ally account due to a suspension of your transfer profile. A reversal of the funds was then initiated. Unfortunately, the reversal of funds was unsuccessful. The fastest way for funds to be returned to the originating account is to file a dispute with XXXX XXXX Bank with the reason of Incomplete Transaction. 

As requested, I have updated the request to initiate the funds return once more. The reference number for this request will remain XXXX. A request will be sent to XXXX XXXX XXXX  to return the funds to the originating account. I do apologize, I am unable to provide a timeframe of when the funds will be returned to the originating bank as it is dependent on the originating institution responding to our request. '' Ally has not explained why my " transfer profile '' was suspended. According to my email notifications, it was suspended at XXXXXXXX XXXX  on Thursday, XX/XX/23, and reinstated at XXXX XXXX  on XX/XX/23. 

Ally has not explained why the transfer failed other than that the transaction was incomplete. As the transaction was initiated at Ally, they need to resolve it. I would suggest they follow their own advice and file a dispute with XXXX XXXX XXXX. I would also suggest they make a phone call to XXXX XXXX rather than communicate via email. 

Considering the amount of time I have spent on the phone with absolutely XXXX resolution and no responsibility taken by anyone at Ally, I do not expect the result to be any different if I call XXXX XXXX Ally as an organization has much more power and sway than I do as an individual customer with no insight into the transaction issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I chose to close out my savings account with Capital One, on or about XX/XX/XXXX. As of XX/XX/XXXX, Capital One has not sent the required 1099INT forms as required by law, which must be mailed and/or available by XX/XX/XXXX.. When i called, the representative knew this was an issue, but stated it will be mailed shortly and to give it another 10 business days. 

When i began asking about why it was not mailed, or why i can not access it online, he became rude and hung up the phone.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Debt collection

The photos Im sending will show you what CBC has been doing to me.if you look at dates they are different. XXXX is unpaid because it was in bankruptcy XXXX they tried to collect money from me. XXXX same. They had three of the same one in a row on one report. XXXX. Putting duplicate or multiple collections in any report could be a violation of the Debt Collection Act or fair report act.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding Zelle 's dispute resolution process. The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) has highlighted significant deficiencies in the platform 's ability to protect consumers. Personally, I have experienced ditticulties with Zelle 's dispute handling. Despite reporting discrepancies and utilizing the platform multiple times, my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings are alarming, suggesting that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system. This has left users vulnerable to scams and financial losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in rectifying this issue promptly and effectively. 

Upon reviewing my credit report, I discovered several unauthorized hard inquiries made on XX/XX/2023, by : XXXX XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX  ( Finance ) XX/XX/2023 XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( XXXX XXXX XX/XX/2023 I have taken immediate action to mitigate any further damage by contacting the respective financial institutions and alerting them to the unauthorized inquiries. I have also placed a fraud alert on my credit file with all three major credit bureaus, namely XXXX and XXXX, to prevent any additional fraudulent activity. 

As a responsible and vigilant consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its subsequent amendments. According to the FCRA, consumers have the right to dispute any inaccurate or fraudulent information present on their credit reports. Furthermore, Section 605B of the FCRA states that any inquiries resulting from identity theft must be promptly removed from the consumer 's credit file. 

In light of the aforementioned rights and the fraudulent nature of the hard inquiries, I kindly request the intervention of the CFPB to assist in the immediate deletion of these unauthorized inquiries from my TransUnion credit report. This deletion is crucial to protecting my creditworthiness, as these fraudulent inquiries may impact my ability to secure future credit, loans, and financial opportunities.

Additionally, I have enclosed copies of supporting documentation.

I appreciate your attention to this matter and trust that the CFPB will take swift action to address and rectify this issue. Please provide written confirmation once the fraudulent hard inquiries have been deleted from my TransUnion credit report. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Thank you for your prompt attention and assistance in resolving this matter. I look forward to a favorable resolution. 

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

I have disputed this 3 times with Experian. The other 2 bureaus have removed it. This XXXX account is for someone in XXXX XXXX. I called the company and they said the name and address are not mine but my social security number was used. I also sent an email on XX/XX/20 to XXXX to investigate this account and yet it still remains on my report.