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

i did a mobile deposit for a payroll check and then 2 weeks later a coworker stole my check and tried to cash it and it didnt work and my bank wells fargo took the money back out of my account and i still havnt seen the money or any feed back letting me know whats going on. 
there not telling whats going on!
Product: Debt collection

Parent Company : XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX Phone Number : ( XXXX ) XXXX Contact : XXXX XXXX. XXXX Email : XXXX Property XXXX : The XXXX at XXXX XXXX Address : XXXX XXXX Way, XXXX XXXX, NJ XXXX Phone Number : ( XXXX ) XXXX Contact : XXXX XXXX Email : XXXX This complaint is reference to a recent collections account posted on my credit report via XXXX. The property manager, The XXXX, posted a debt in my name, did not notify me of the debt, then proceeded to sell the debt to a recovery firm named Rent Recovery Solutions. I have taken steps to dispute the account on my report as well as file complaints for consumer fraud with the NJ State Attorney General 's office. If this account is not removed from my credit report within 30 days, I will proceed to file a complaint for identity theft with the NJ State Police and FTC. I am happy to provide further information upon request. Thank you in advance for any assistance provided.
Product: Vehicle loan or lease

I am writing to bring a serious matter to your attention and request an immediate investigation into the alleged fraudulent practices by Ally Bank. 

I have gathered substantial evidence that supports my claim of consumer fraud committed by Ally Bank 's auto financing division. It is deeply concerning that all the customer service agents I have interacted with are based in XXXX and seem indifferent when confronted about their involvement in what appears to be a banking scam. 

Whenever I request to speak with a customer representative or supervisor based in the XXXX, I am either abruptly hung up on or redirected to the wrong department. This behavior raises serious doubts about the integrity of Ally Bank 's operations. 
To provide you with a specific incident, on Tuesday, XX/XX/XXXX, I accessed my auto page on Ally.com and found that the payoff amount for my XXXX XXXX XXXX, financed by Ally, was {$14000.00}, valid until XX/XX/XXXX. I have attached the proof for your reference. However, to my astonishment, when I checked my Ally.com auto portal on Friday, XX/XX/XXXX ( after mailing the payoff check to Ally Bank via Priority Mail ) the payoff amount had increased to {$14000.00} ( proof attached ). This sudden increase of {$12.00} within a span of less than XXXX hours, despite the original payoff amount being valid until XX/XX/XXXX, is highly suspicious and raises serious concerns. 

Upon contacting Ally Bank, I spoke with their representatives in XXXX, who struggled to comprehend XXXX. Shockingly, XXXX separate representatives confirmed that Ally Bank takes its time to process payoff checks, which XXXX take XXXX days, and charges additional fees during this period. This practice is nothing short of pure banking fraud and can not be tolerated. It is our duty to protect innocent consumers from such deceptive practices, especially when they are carried out by a supposedly legitimate banking institution like Ally. 

I ask that you to take immediate action to rectify this situation and investigate the alleged fraudulent activities by Ally Bank. Consumers deserve transparency, fairness, and protection from such " legalized scams. '' It is deeply disturbing that a bank of Ally 's stature would engage in such practices behind the backs of its customers. 

I kindly request a prompt response to this complaint and a thorough investigation into the matter. You may reach me at XXXX or XXXX to discuss this further. I trust that you will address this issue with the seriousness it deserves and take appropriate action to restore trust in Ally Bank. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I closed out my Discover credit card account months ago due to a dispute over Discover billing and late charge practices. On XXXX XXXX, 2016, an unauthorized payment of {$32.00} was made to the XXXX company by Discover without my knowledge. 
or consent, for a product I did not order or receive. 
When I signed up for the card, it was because Discover advertised it would never pay a disputed bill. Now Discover is demanding payment for a charge made against a canceled and destroyed credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to send me the requested documents and there has been a security breach in their system Please be advised that pursuant to Section 615 ( b ) of the Fair Credit Reporting Act I am entitled to request, and I hereby do so, full disclosure of the factual information disclosed to you by persons other than Consumer Reporting Agencies, so that I may refute, challenge or dispute its accuracy. The validation system ( XXXX  ) does not do a lawful validation and verification. I request that a human validate my dispute under the penalty of perjury. 

I demand copies of every document that your agents use to validate the following collections that are reporting on my credit file without my authorization. I did not and do not give any of the following collection companies permission to have my personal information in their database. I do not give them permission to communicate with your company as a third party. I demand that your company destroy all information you have received from the following collection agencies unless you have an written authorization bearing my signature. Which I am requesting a physical copy of in this authorization. Which your company is required to have in your file. 

To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX XXXX XXXX. App. LEXIS 509. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Method of collecting the debt. XXXX v. XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I applied and was approved through upstart for a XXXXXXXX loan. Their electronic system reviewed my checking account. The next day on XX/XX/2022 they requested Bank statement, voided check and signature card from bank. After review due to me using a credit union the number on statement and account appear different as when have member numbers. On XX/XX/2022 they requested via email document of letter from bank verifying this is my account which I provided. I contact my bank first thing in morning XX/XX/2022 to get letter and sent over verification to upstart. Upon review they told me number on signature card did not match. I then contact my back again and they wrote a detailed letter Than I got another message in email the number on signature card did not match. I contact my bank again and they wrote detailed letter explaining the account member numbers and offered to answer any questions. I submitted for review and call customer service for the 3rd time on XX/XX/2022 to let them know I had submitted and if they needed anything further I would go to bank, find the manager and call them from bank to have my financial instuition send directly anything they need to finalize. Before even allowing a final review they denied my based on the comment that they could not verify my information on application. They did this before reaching out again or allowing me the fair right to complete process for a loan I was already approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4500.00} ; XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially tried to remove a fraud alert on my Equifax report online, but was instructed to call in order to verify my identity. No problem. I call, only to be asked questions I really couldn't remember the answer to some of by someone I had an extremely difficult time understanding, and of course, they were unable to verify my identity. So, next I was told I need to fax or mail the requested documents to verify my identity. I sent the requested documents ( copy of license and social ) by fax on XX/XX/19 to verify identity and have alert removed, received a letter dated XX/XX/19 saying they couldn't verify my identity and requesting the exact same documents I sent. I assumed since I faxed them, maybe something wasn't received, so I sent the requested documents and information again, this time by certified mail on XX/XX/19 which they received on XX/XX/19, only to receive the exact same letter requesting the exact same documents, this one dated XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account Number : XXXX 2. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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
Product: Checking or savings account

My business checking account was recently closed without warnings even though I had funds in the account and nearly zero activities on the account. I 've been with Bank of America for the past 3~4 years and suddenly they do this, it 's very strange. They are holding my available funds of {$3000.00} hostage as interest-free loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name is XXXX XXXX and I am providing new information, my previous case # was XXXX and they did not provide what I asked for and this is a violation of my rights and should be fined {$1000.00} and a check mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX if you review there response from that case they claim to not see the account on my file, but I have a new updated copy of my report and its dated for today and the account is visibly still there clear as day. " XXXX  '' In my previous complaint I requested the following and it was not done : My name is XXXX XXXX My Experian report XXXX is XXXX Account name XXXX  Account number XXXX .... requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report. 


Since they have not provided what I have asked for they are in violation of my consumer protection laws and CFPB must enforce my rights and I demand payment of {$1000.00} for the violation and demand removal of this account today permanently from my file and notify all other reporting agencies of these actions as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I logged into GM Fincial to make my car payment. the system was down to do so. They marked my credit for 30 days late ro crb. Refused to fix,
Product: Mortgage

XXXX sold my home loan to Green Tree but failed to transfer my loan modification that had become permanent and was wonderful. It took me 18 months to get this information transferred at which point the home was delinquent, I moved out of it XXXX 2013, and they said that the only way to get the payments to the modified amount was to back pay {$17000.00}. This is an impossible task for a single parent of a young child in child care, without child support, and working 6 days per week just to make ends meet. This mishap put us in a poverty stricken, high crime, area paying {$800.00} rent for the last 26 months whereas we could have remained in our home, in a great area, brand new, for {$1100.00} had they originally transferred the amount. After all, I did put 10 % on the home and at one point worked XXXX jobs to maintain the {$1500.00} house payment and my XXXX credit score. It was by the recommendation of the representative at XXXX XXXX XXXX that I initially became delinquent to obtain the modified amount. Being unable to repay the {$17000.00}, I was forced to either have a foreclosure or short sale. I had several offers on the home in XXXX but in order to even begin a short sale, it had to be listed for sale publicly. I did this. Then I submitted paperwork upon paperwork to Green Tree with it being lost each time. Finally after six months of going around in circles and the offer being retracted due to time, I submitted my first complaint through this site. It was after submission of this complaint, they finally began responding to me. I made the home active again and immediately had another offer submitted. Green Tree countered the offer and the contract was retracted within 2 days. The home was immediately made active again and 3 offers flew in within one day. One of these offers is {$200.00} above asking price which is the amount of the principle pay off. Also note, during the showings of the home, the stainless steel stove/oven was stolen so now the home is being sold without and they still offered {$200.00} above asking price. Now that the offer, short sale addendum, mineral rights, etc. have all been signed and submitted ( within 3 business days ) ; they are requiring that I begin this process all over again at which point I will lose the offer of {$190000.00}. I have been doing everything possible to save this home and I am not getting any assistance from Green Tree. Not even something as simple and being helpful. My poor realtor has worked more than one ever should and we are tired of constantly going back and forth. They will lose much more money if I let it go into foreclosure ; I am trying to help everyone involved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and Equifax ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.
Product: Credit reporting or other personal consumer reports

Experian has been bullying a victim of Identity Theft, They will not remove this account : XXXX XXXX, XXXX # XXXX. I sent them the necessary documents to have it removed/blocked, I sent them a police report and FTC report along with ID docs and they will not remove and keep this account off my credit report with them, they would just remove the account then re-introduce it again in the credit report even after way past more than 30 days after I filed for the dispute in each of those occasions. They will put it back then say it was verified when this is not the case and many times it was too late to be 'verified ', now they just say 'verified ' and that's it. They keep hurting me and my family and can not recover from this injustice, please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had XXXX XXXX XXXX credit card. The card ended up closing in XX/XX/2017 because I was laid off. I have tired contacting XXXX about the matter in order to settle the debt, but everytime I call they can't find me or shows I never had a card with them. I am working to remove negatuve annotations from my credit file and this is adherring me from doing so. I need proper contact information for the company or I need the report off my credit
Product: Mortgage

I am beginning to receive calls at my current place of employment for a home that foreclosed while I was married. In my divorce the judge ordered my husband responsible for ALL marital debt. This was a marital debt and he is responsible per the XXXX County Courts, 3 years ago! The calls have just started coming and they are very persistent! What am I to do. You can not drain blood from a turnip. I am a single mother of XXXX and care for my XXXX mother. Please help make it stop!
Product: Credit card or prepaid card

I recently applied for the Discover IT Card. After going through the verification process which included answering a series of questions and uploading a copy of my driver 's license ; I was approved for {$9500.00} in credit. My card has only been active a few days, and I've already been met with a series of roadblocks. The only purchase that I've made with the card was a purchase on yesterday XX/XX/XXXX for a dozen of XXXX. I contacted Discover on yesterday XX/XX/XXXX to inquire about on what day of the month Discover reports to the credit bureaus. I also inquired about setting up my pin number, as it is a new card. I verified my identity with the agent. She was unsure about the reporting date which I found strange, but she still offered to put me through the automated system which would allow me to set my pin. Instead she sent me to the Fraud Department. The representative in the Fraud Department stated that it must be a mistake, verified my identity again, and then forwarded me to the automated system by which allowed me to set my pin. I received an email this morning XX/XX/XXXX stated that Discover frequently monitors my account, and that there was information that was unable to be verified. I found this to be strange as well because I went through a verification process in order to get approved for the card. The email directed me to send to Discover a copy of my driver 's license, and to fill out the SSA-89 Form, so that Discover could contact the Social Security Administration to verify my social security number. I did comply. After faxing the documents over I contacted Discover and was told that I was randomly selected to go through this process. After explaining the order of events ; I informed the representative that this was impossible because of the email I received. I whole heartedly that this entire episode is negligence and discriminatory at best.
Product: Student loan

On XX/XX/22 I put a request for a refund for my payments made during the XXXX pandemic with FedLoan. FedLoan stated it would take up to 60 days for me to receive my refund. 

On or about XX/XX/22 I called FedLoan for an update on my refund and I was assured it would still be received in the 60 days timeframe. 

As of XX/XX/22 I have not received any refund yet and the 60 days has elapsed. I have not been contacted by FedLoan to explain any delays or problems. I checked my profile online and confirmed my address and other information was current. 

I am concerned that I will not receive my refund ever or in a timely manner. Over 60 days has been too long to obtain a refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is saying they verified a XXXX XXXXXXXX case being reported on my Equifax and XXXX credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. XXXXXXXX XXXX telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at Equifax and XXXX. XXXX will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.
Product: Credit reporting or other personal consumer reports

I'm a XXXX  while on XXXX XXXX in the field my car was repossessed which is against the law without a court order This is being reported as a delinquent account with no payment from XXXX XXXX XXXX account number # XXXX Also this bank never sent a notice of Redemption or a notice of DEFICIENCY. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.