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

On XXXX XXXX, 2022, my landlord issued a bill for utilities. I then subsequently used Ally Bank 's online bill pay to pay for this bill. This check was scheduled to arrive by XX/XX/XXXX. However, this check did not arrive by that date. Noticing that this check did not arrive on time, I called Ally Bank. They and I both agreed on that phone call that the check was lost in the mail. As such, this first check was cancelled and re-issued to my landlord. My landlord received this reissued check on XX/XX/XXXX 2022. On XXXX XXXX, 2022, a month after its original delivery date, the original, now cancelled check, was received and cashed by my landlord. 

This cancelled check bounced, and my landlord charged me a {$35.00} bounced check. I called Ally Bank on XX/XX/XXXX22 to request they cover this fee charged by my landlord, as it is unreasonable for an online bill pay check to arrive a month after its due date. The first agent hung up on me. The second agent listened to me, and took my details down. Originally, she told me she would create a case, and give me a case number for this whole ordeal. After talking to her manager on how to continue, they gave me a portal to submit proof of this fee to. This agent said that I was all set after submitting this proof. This agent also informed me that I would not be assigned a case number for this situation. I then asked her if there was a way to obtain a case number, to make sure I could track this situation 's progress. 

After another hold, she told me gave me entirely different steps. Now on the phone for nearly 1.5 hours, she now informed me that Ally would not cover the {$35.00} fee unless I first submitted payment and sent receipt of the payment to Ally. Keep in mind, I had already at that point submitted proof of being billed {$35.00} for a bounced check. Had I not pushed for a case number at the end of the call ( which I still was not provided ), I would have never known that I needed to submit this payment upfront for reimbursement. The agent on the phone reassured multiple times I was all set, and that prepayment was not necessary, until I pushed for a case number at the very end of the call. I understand mistakes are made, but these misleading actions are incredibly unprofessional. This bait and switch process was incredibly frustrating. It is incredibly unreasonable for an online bill pay check to arrive an entire month late past its scheduled delivery date.
Product: Mortgage

This is not a problem with my mortgage so much as it is with an insurance claim to my mortgage bank, PNC Bank. 
I had a house fire in XX/XX/XXXX. My insurance company and I sent the bank the adjusted estimate check at the first of XX/XX/XXXX. The bank released the funds as described in their literature. No problem. In XX/XX/XXXX I sent another check I received from the insurance company for the cost of demolishing the house and cleaning up the debris from the fire. On XX/XX/XXXX this check appeared in my mortgage bank escrow account. Fine. Since that date I have been trying to get this mortgage bank to release those funds so that we can pay the subcontractors who have been rebuilding my house. They first wanted additional information on the adjusted estimate. I had my insurance adjuster contact them to give that information. I waited a week and called their claims department to ask why they had not released the funds. They said they had not received the information from the adjuster. I had the adjuster again sent them by email to a particular person in the claims department. No check. This has been going on in the same manner for over 3 months. I have the subcontractors filing liens on my property since they have not been paid. I call the claims department of this bank every day to ask why they haven't released these funds. I get a variety of answers. Now it's they are converting from and old records system to a new one and it will take 5 or 30 days ( depending on who you talk to ) to be able to review by records. I ask for a supervisor. None are available. I ask for a supervisor to call me. No call. I emailed and wrote a letter to the person on charge of account services. No reply. At this point I believe I'm going to have to file a law suite to get this money released. But that will take more time than I have. Can anyone get these XXXX to release these funds?
Product: Checking or savings account

On XXXX XXXX I went to ATM to withdraw funds in the amount of {$800.00} plus ATM fee and the ATM did not dispense my cash and I filed a dispute with TD Bank on XX/XX/2022 and TD Bank told me the process is 10 business Days or less and it's now XX/XX/2022 and I have yet to receive no updates or my missing money back. I have already contacted them multiple times and I'm getting the run around and I need my money ASAP as well as TD bank is charging me maintenance fees for the money that's supposed to be in my account that they have not put back yet
Product: Debt collection

Wednesday XX/XX/2023, I got an email saying I have a major inquiry on my credit report, I open my bank app to see and my credit score has went down by XXXX points, the company name was CREDIT MANAGEMENT LP, I had do idea what this was all about, I tried calling them and asked why did my score just went down so much I dont even know you guys, they said because of not making a payment on a XXXX XXXX, I was so confused, I dont even have anything XXXX, I didnt recognize that at all, apparently I owed them {$100.00}, so I made the payment, I didnt know what to do, Im already struggling a lot financially ever since my dad abandoned me, I dont even have a place, and now he messed me up with this, they told me my previous address where I used to live with my dad so my guess is he used my information for maybe the internet bill without even telling me, I had absolutely no idea I was even on something like that.
Product: Credit reporting

I called Transunion XX/XX/2017 at XXXX and spoke with XXXX XXXX # XXXX concerning a dispute I sent to Transunion concerning a dispute in regards to a Tax Lien on my report. I requested that Transunion verify the debt and provide me with the information regarding that debt as I am unaware of where it came from or why. XXXX advised me that Transunion does not verify debt and that it will remain on my credit report for the next 7 years. She advised me that there was no investigation completed to determine if the debt was indeed a valid debt and they would not be investigating the tax lien debt that is in question is indeed valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies sent a response. The agencies wanted information that the XXXX County Sheriff or XXXX XXXX Police do not remember. I will be sending a copy of my divers license. This was an international incident and XXXX should have all information concerning the problem that was theft but may not have been ID theft even though my card was used in an illegal transaction. However, this information that was placed on my report has cause more harm as long as it is on my report. The reporting companies need to know if the information is true before placing negative marks on my credit report. Because it is in good standing does not make mark or information mine.
Product: Checking or savings account

There was a claim filed on XX/XX/XXXX is the amount of {$2000.00} with Wells Fargo. I explained the situation to the that this was a duplicate transaction and needed to be reviewed immediately. I was unfortunately let down by Wells Fargo.
Product: Debt collection

This is so annoying & frustrating. Ive sent Transunion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. Please delete.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my XXXX credit report that I didnt Authorize and they need to be remove. And my old XXXXXXXX XXXX account was closed due to be hack and identity theft. I never missed a payment but it say I miss XXXX  payment and the account is closed.
Product: Debt collection

ALDOUS & ASSOICATES PL at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : 1. Account Name : XXXX XXXXXXXX XXXX XXXX Date Listed : XXXXXXXX XXXX XXXX The balance currently being reported is inaccurate and potentially unlawful. Per XXXXXXXX XXXX XXXX XXXX XXXX the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Company continues to call every day after due date. 3 or 4 times a day. Account aways current.
Product: Money transfer, virtual currency, or money service

Timeline of events : XXXX. XX/XX/XXXX I, XXXX XXXX XXXX, sent XXXX GBP to my brother 's account in the XXXX. Received a XXXX message confirming that the amount has been deposited into my brother 's account. IT NEVER HAPPENED. 
2. XX/XX/XXXX I created a case on XXXX website. I NEVER RECEIVED ANY RESPONSE FROM XXXX. 
3. Called XXXX  on XX/XX/XXXX. Was told to upload some information. Was promised to get back to me within 24-48 hours regarding the tracing of this transaction. IT DID NOT HAPPEN. 
4. Tried to upload the requested documents to XXXX website. It allows for upload of only one document. 
5. Called on XX/XX/XXXX. Was told to send the documents to the customer service email. Sent the requested documents to prove that XXXX XXXX XXXX  is currently XXXX with the same routing number, and that payment has not been received by the receipient. 
6. On XX/XX/XXXX, received an email from XXXX claiming that they have deposited the money into my brother 's account. 
I was given the following XXXX  for tracking : XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  wrote to XXXX XXXX XXXX stating that I have been in contact with our payments team who can find no trace of the payment into XXXX, or through our intermediary bank.
Product: Checking or savings account

This is the second time that Wells Fargo has received the funds from a check I deposited, and did not make the funds available to me for 10days. In the first case I wrote a check from my business account and could see exactly when the funds came out, the second was from a settle with XXXX I am almost sure the payment has been cleared but they insist on making my funds available in 10days when they already have the money. 
On XX/XX/2022 I made a deposit a portion of the deposit was suppose to be available on XX/XX/2022. If there was something wrong with the check it would not have let me even deposit it. So I dont know what check or issue they have with the check but its a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about XXXX in XXXX minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX XXXX XXXX  was approved online but never picked up by the scammer and an XXXX account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report XXXX times and I still have not received from XXXX and XXXX. I have tried to explain I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediately after the disclosure of the Equifax breach, my husband and I placed a freeze and alert on our accounts. We were able to learn that my husband 's data was probably hacked. We then attempted to access our credit reports with Equifax online. My husband was able to access his. But after many unsuccessful attempts to obtain mine, I sent a written request, by certified mail, to Equifax to send my credit report to my mailing address. 

Today, XXXX/XXXX/XXXX, I called Equifax at the phone number provided on their website for customer service, to provide help to " customers with additional questions. '' My inquiry was to learn the status of my credit report and to request a copy of my credit file. ( In a form letter to my husband, Equifax distinguishes between credit report and credit file. ) An Equifax customer service supervisor stated that his department 's only job was to process credit freezes. They are not truly " customer service '' and have no phone numbers for customer service or any other department in the company. And there was absolutely no way for them to access my account or help me in any way. 

Not only did this company lack effective data security protections, but they continue to operate inefficiently and ineffectively. I am very concerned that my data has also been breached and I have absolutely no way of investigating. This company is so irresponsible that they should be shut down. Do they even have a license that can be revoked? 

Is there such a thing as a credit file, separate and distinct from a credit report? I am not sure that I can trust any information imparted by Equifax!
Product: Credit reporting or other personal consumer reports

I am writing this letter as my third attempt to dispute and rectify the inaccurate negative items listed on my credit report with TransUnion and XXXX. Despite my previous disputes, these errors remain unresolved, and it is unacceptable that you have failed to act accordingly.
Product: Debt collection

Contacted collection company, LVNV FUNDING LLC twice in the last couple of months ( between  XXXX   XXXX  -  XXXX   XXXX   ) to try to get some information on a collection account that was on my credit report. Spoke  to the agent and said I was going to dispute the issue because I did not open a credit card with  XXXX   XXXX    XXXX    which debt amount is {$710.00}. I wanted to know when the account was open, if the bank statements could be made available, etc. The agent said a package would be sent out with all of the information I needed. Months later still no package and I have not been contacted by a collection agency.
Product: Debt collection

American Express acct numbers ( XXXX, XXXX, XXXX ) have all been discharged with negotiable instruments but they will not credit my account and continue to harass me over this.
Product: Vehicle loan or lease

i have been struggling to make payments but i have been paying weekly to help get caught up. when i signed the contract for the auto loan the amount was for a total amount of {$54000.00} which included the loan amount of {$36000.00} and an interest charge of {$18000.00}. after divorce in XXXX i had a loss of income. covid 19 made things even harder and then a XXXX in XXXX just added to the complications. but i managed to continue paying whatever i could to avoid repossession. as of today i have paid {$54000.00} of the total due of {$54000.00}. they still want me to pay an additional {$8500.00} which is just more interest that i just cant afford and they will not accept anything less. i have already paid alot of interest and now instead of paying what my loan contract states they want me to pay a total of {$62000.00} and i just dont think that is fair and that i need some assisatnce as they are sending me letters that if i dont pay a certain amount by a certain due date the car can be repossessed
Product: Student loan

ACS changed my Lender without letting me know or giving me the option to switch to someone else, which I 'm not happy about. Also, they stopped having me pay a monthly amount, which is super sneaky. Since I 'm not be billed to pay monthly, which I prefer, they skip over MANY months, causing me to accrue LOTS of interest.Let your borrows be aware that if they do n't make a monthly payment that interest will be accrued instead of making it look like the are " current '' in their payment! I have to be vidulent to make sure I send myself a personal reminder to pay monthly, so I 'm not adding all this interest to my account even though it may say I 'm " current ''. That is a sneaky and dirty way to make money off people. Absolutely disgusted!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX Balance : {$3200.00}XXXX XXXX XXXXXX/XX/XXXX, XXXX
Product: Vehicle loan or lease

The loan was taken out for a XXXX XXXX by XXXX XXXX XXXX XXXX XXXX with me cosigning the loan. The business failed and had only ( 1 ) payment left to full fill the obligation of this loan. The XXXX XXXX was repossessed and sold by Sheffield, so we should've received the balance of that sell with the exception of the ( 1 ) payment that was left to fulfill the balance of the loan. At the very least, the loan was more than satisfied and should not reflect negative on my personal credit report. The winner here was Sheffield by far ....
Product: Credit reporting or other personal consumer reports

In 2021 I declared a XX/XX/XXXXXXXX to get this debt off of my credit report as it belongs to my ex-husband who was awarded the property in a divorce settlement. For a short time, it was removed from my credit reports, but it has now reappeared since their association with XXXX XXXX, a bogus predatory lender like as XXXX. This needs to come off my credit at once.
Product: Checking or savings account

While I was banking with Wells Fargo in 2017 I was incorrectly charged over {$100.00} in overdraft fees because I paid several small bills and then a few days later saw that I had money in my account to pay a larger bill. They immediately took out the large payment and then a few days later i checked my account to see that all the small payments had been taken out a few days after the large payment had gone out. They charged me overdraft fees on EACH INDIVIDUAL small payment that went out. I immediately called to resolve the issue and they did nothing but make excuses for the delays in taking the smaller payments out several days after they had been sent. I had to pay all the overdraft fees and ended up closing my checking account. I would like to be compensated for this after finding out Wells Fargo is now admitting to fraudulent banking activity during the time I was affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING A COPY OF MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT WAS PLACED ON MY REPORT. PLEASE RE-INVESTIGATE AND HAVE THOSE INACCURATE ITEMS OFF MY CREDIT FILE.
Product: Money transfer, virtual currency, or money service

I used cash app to send someone money but found out it was a scam and they where participating in fraudulent activity. I was scammed out of {$450.00} from someone and requested my money back..the person that was the scammer denied my refund request. So I reached out to cash app customer service and they told me I can't be refunded because I sent the money from my own account. I just wanted the {$450.00} back because it was a scam. It was fraudulent activity. Never got the services I paid for and person I sent the {$450.00} denied all my request for refund and also blocked my phone number.