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

Ally Bank allows me to setup automatic payments to be sent to my landlord on a specific date but the date at which those funds are withdrawn from my account changes. This caused my account to overdraft. I think it's wrong that the withdraw date can change without Ally having to notify me, and I confirmed that they will not be notifying me when the date changes because it's not in their control. I also feel this is something they have the duty to be in their control since I am giving them the duty of holding my money. I have attached the chat logs as evidence of what happened, but I've done my best to explain the situation below as well. At a minimum, Ally owes it to the consumer to explicitly notify them of this practice when they are setting up automatic payments. Ally should be able to leave the money in my account until the check is deposited by the payee. 

For example : My rent check of {$2500.00} is due by the end of each month. I have automatic bill pay setup to mail my landlord, XXXX, a check on the XXXX of every month to allow time for it to get to him. This is setup from a checking account with Ally. I keep this account nearly-empty because it's used to pay multiple bills and online transactions so I don't want a large sum of cash sitting in it in case it is compromised. I also keep the balance as low as possible because it doesn't accrue interest like my savings account with Ally. I have a savings account that I transfer money into this checking account automatically before the money is needed. 

For the past 2 months, the money was debited from my account when XXXX cashed the check he received, which he told me he always deposits the rent checks on the XXXX of the month. So, to cover the {$2500.00} check that is written by Ally and sent to XXXX, I transfer {$2500.00} from my savings account to my checking account on the XXXX of each month to ensure the funds are available to XXXX when he deposits the check on the XXXX of the following month. 

However, this past month, Ally withdrew the funds from my checking account on the XXXX because the check was to be issued on the XXXX and the XXXX was a weekend. In the past months, the funds had been withdrawn when the cash was deposited on the XXXX of the next month. Instead, they withdrew the funds a day before the check was to be issued. Because the automatic transfer from my savings to my checking account is setup for the XXXX, my account went into overdraft because my rent money wasn't in the account yet on the XXXX.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX BANK XXXX XX/XX/XXXX
Product: Credit card or prepaid card

using XXXX is problamctic merchants use it and mislead i have complained to them many times. Here, a cleaner left out what they do not do and i did not know they did not clean inside appliances or would not have ordered it. I had to pay another cleaner for the same service. XXXX is a problem, Merchants use it in a deceptive way. i disputed XXXX in XX/XX/XXXX and will not pay it. its back on my barclays account i got no paperwork to respond to which is typical and i stand my ground on the dispute this is for my upromise acct both cards are out of my wallet until this is properly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted XXXX, XXXX and XXXX XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you
Product: Debt collection

I recently pulled my credit report again and noticed items that were marked in my identify case are still reporting. I will upload a identify theft report, lease, an social security card for more accurate update. I have incorrect name, address and employers. My only name is XXXX XXXX. My only address have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have serval accounts connected to inaccurate information on my credit report. which in violation my FCRA NO. XXXX rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Verification of Permissible Purpose for Reporting XXXX  To Whom It May Concern, I am writing to formally request clarification regarding the reporting of my XXXX  ( Case Number : XXXX ) on my credit report. It has come to my attention that Equifax has included this XXXX  filing in my credit history, and I am seeking to understand the permissible purpose under the Fair Credit Reporting Act ( FCRA ) that justifies this reporting. 

Under the FCRA, credit reporting agencies are required to have a legitimate permissible purpose for accessing and reporting information pertaining to consumers. I am particularly interested in the following specifics : 1. **Verification of Permissible Purpose : ** Please provide detailed information regarding the legal basis for Equifax 's decision to report my bankruptcy. This includes the specific regulations or provisions under which this reporting is allowed.

2. **Disclosure of Information Sources : ** Clarification on where Equifax sourced the data related to my bankruptcy. If this information was obtained from another entity, please specify which agency or court provided this data. 

3. **Reporting Duration and Impact : ** Understanding how long this bankruptcy will be reported on my credit file and the criteria used to determine its impact on my creditworthiness. 

I expect a prompt response to this inquiry. Failure to provide adequate justification for the permissible purpose of reporting this bankruptcy will compel me to escalate the matter, including seeking legal representation. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of supporting documents
Product: Checking or savings account

On XX/XX/year>, I deposited a legitimate check in the amount of {$2000.00} from my husband XXXX XXXX whose savings was around {$14000.00} which would be automatically transferred to cover a check. This is a long established account with a pattern of these transactions to pay bills. I've never had a problem with this process before but Sofi rejected this check without explanation and directed to call them. There was no valid reason to reject this check. Is Sofi now in the business of determining how our money should be spent?
Product: Checking or savings account

These were fees charged for closing my account. Which is against the law. Im in process of contacting attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On the Date generated : XX/XX/XXXX  CREDIT ACCEPTANCE CORP reported inaccurate information on my credit report..
Product: Checking or savings account

I made a cash deposit to a Chase ATM on XX/XX/21 of {$1400.00} The machine errored out and ate my deposit. I was able to get {$300.00} out of the machine. 
I called Chase as soon as it happed and they said there claims department was closed. I called the next morning the said the would process the info and issue a credit to the account with 13 hours or 1-2 bus. days. It is now the XXXX bus. day. I called and was informed that there was no money in the machine and it would take 10 days for them to investigate the issue. 
I gave them the machine number ( XXXX ) and the Sequence number ( XXXX XXXX and the address of the Chase ATM ( XXXX XXXX XXXX XXXX, XXXX AZ._ along with the error code on the machine ( XXXX ). 
I told them I was able to get out XXXX for a total of {$1100.00} That I was do back. 
On Thursday, XX/XX/21 called and asked to speak with a sup. They told me that it would be an additional 10- days because they were investigating. 
I have bills to pay and no additional time to wait. This is on Chase not me.
Product: Bank account or service

We have never had a Wells Fargo account. 
I received and email from : WeIIsfargo Bank ( address : XXXXXXXXXXXX ) which said someone had unsuccessfully tried to access our account and referred us to : XXXX I am concerned that this may be a phish. 
Submitted FYI.
Product: Mortgage

Original complaint # XXXX WELLS FARGO responded to my initial oncomplaint listed and stated they could not reach me. Which is untrue. I've called WELLS FARGO multiple times over the past months and have been directed to multiple different employees who tell me different things. Today XX/XX/23 I was told by the VA that the FEDERAL RESERVE gave the banks discretion as to what programs I use. WELLS FARGO told me last time we spoke that the VA has discretion. I have multiple emails asking WELLS FARGO for all paperwork pertaining to my loan and have been given none. I have reached out to a lawyer seeking legal representation for this matter. My assigned home preservation specialist XXXX XXXX is unreachable. I have left numerous voicemails and emails with her and have not received a phone call from her or an email from her. It's always someone different with a different story. 

I would like everything I listed in the original complaint. 

Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : 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
Product: Credit card or prepaid card

Upon reviewing my credit profile, I noticed an unauthorized opened account SYNCB/Ashley home store Account # XXXX address XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX under my name & credit report without my consent or knowledge. This account is fraud It shows it was opened XX/XX/2022 with a balance of {$4100.00}. I called the issuer to the number above to report this as fraud, once they asked me for my personal information My address & phone number didn't match what they had on file. At this point they refused to continue to discuss the account in question with me. The agent said they will send a letter to the original address the account was opened & declined to transfer to the fraud department & hung up the phone. To the best of my knowledge the agent was not an American speaking agent it was an XXXX English-speaking agent that didn't understand the purpose of my call which it was to report this account as fraud. Upon checking my XXXX credit report this account dropped my XXXX score from XXXX to XXXX dropping by XXXX points & increasing my utilization. This account is fraud.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Date Opened : XX/XX/2023 Status : Collection account. {$8900.00} past due as of XX/XX/2023. 
Status Updated : XX/XX/2023 Balance : {$8900.00} Balance Updated : XX/XX/2023 Original Balance : {$8900.00} Highest Balance : {$0.00} Terms : 1 Months I firmly assert that this account is not accurate, and I have never agreed to any financial responsibility associated with it. Furthermore, I have no knowledge of the debt in question and have never entered into any contractual agreements with Cavalry Portfolio Service. As such, I believe this account is erroneous and must be removed from my credit report. I have also provided substantial evidence that this said debt is related to identity theft as i have shared over 30 data breach cases with them as well as an Identity Theft.Gov report with the incidents explained. 

At this time I will also inform you that theyve listed my account as PAST DUE as of XX/XX/2023. This is not only incorrect but according to the FDCA, this is illegal as collection accounts can not be reported as having a past due balance. Being that their offices are reporting invalidated and unlawful recording information that goes against the law and my rights you must delete this account and report the deletion of this account. Their actions have constituted fraud under both Federal and State Laws. 

I have requested validation PROOF from this collector and they have failed to provide anything, however just a written notation to the credit bureaus stating the debt is valid. They've been asked to provide the following information and have failed on 3 attempts approaching 90 days. 

-What the money Cavalry Portfolio Service says I owe is for : -Proof of my wet signature accepting financial obligation for what they say I owe : -Explain and show me how they calculated what they say I owe : -Provide me with copies of any papers that show I agreed to them what they say I owe : -Provide a verification or copy of any judgment if applicable : -Identify the original creditor and provide original balance for services products or fees : -Prove the Statute of Limitations has not expired on this account : -Show me that they are licensed to collect in my state : -Provide me with their license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been informed from Equifax that I was effected by the data breach. After applying for Credit limit increase I was told one of the reasons were due to public records. After contacting Equifax and speaking to their representative, he stated there was an unauthorized data associated with my name and that he will update the information. I noticed that there were unauthorized inquirers on my report, so I 've contacted Equifax again and explain that to them the unauthorized inquires as well as how I was told I was effected by their data breach. The representative stated that he will go ahead and removed inquirers but before the call was disconnected I was told it was disputed. 3 days later I receive email that the inquires were factual, in actuality they are not and I 've explain this to Equifax.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of my MOHELA/XXXX  student loan account reporting on my credit report. This account was sold/transferred, yet it is being reported as a new account, which has negatively affected my credit score. Additionally, the open date is incorrect ( 2017 ), and I never received a legally required transfer notice, violating the 15 U.S.C. 1641 ( g ) ( 1 ) ( TILA ).

Legal Basis for Dispute *15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) requires accurate reporting.

*15 USC 1641i ( a ) ( 1 ) ( A ) requires credit bureaus to investigate and correct errors. 
*15 USC 1641 ( g ) ( 1 ) ( TILA ) requires loan servicers to notify borrowers of loan transfers within XXXX  days. since I never received notice, the verification of this account is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do have have a Citi Bank Credit Card which i closed on XX/XX/2015 on good standing and is reported as charge-off to the credit bureau 's. So, i called all the credit bureau 's and disputed the account being charge-off as i paid all of it in good standing and closed it in a good standing with a XXXX balance  on it. 

As a result XXXX and XXXX have verified my account and they have removed the charge-off from my credit file and closed it appropriately. But, XXXX did not remove it from the credit file which is seriously affecting my credit score and daily life. 

So my XXXX scores are always being very low with a serious deliquency on the account which is causing me very serious problems in my daily life. 

There is always a great difference in my credit scores because this such as : My current XXXX Score : XXXX My current XXXX score : XXXX My current XXXX score : XXXX As you see above there is always a 100 point difference between the scores which is a serious problem for me
Product: Money transfer, virtual currency, or money service

I wanted to purchase some in XXXX XXXX from a guy online and I was talking to him through an app called XXXX I sent him {$42.00} for the XXXX for a game called XXXX XXXX he immediately blocked me and never sent me the XXXX therefore scamming me for XXXX dollars. I would like to get the money refunded since I was scammed, I contacted paypal and they told me there was nothing I could do since the guy made me send the payment as family/friend. I have attached images showing that he scammed me and blocked me after I sent the money I will also share with you the paypal transaction.
Product: Credit reporting or other personal consumer reports

My identity was stolen. XXXX XXXXXXXX XXXX  allowed someone to open a credit card in my name in XXXX of XXXX according to my credit report this was around the time someone did this. They then transferred the debt to a collections agency named LVNV Funding LLC. I disputed this transaction with XXXX, XXXX and XXXX about 2 years ago. LVNV conducted an investigation and concluded that someone indeed stole my identity. This claim was then removed from my credit report. Now in XXXX XXXX placed this collection in the amount of XXXX back on my credit report and refuse to remove it knowing that someone else stole my identity. This is preventing me from qualifying to buy a house not to mention just inhumane in itself. They are continuing to harass me and trying to get me to pay for someone else debt who stole my identity. I spoke to XXXX directly to ask them why this is back on my credit report and they told me they have no record of a dispute because they get rid of disputed paper work once the investigation is completed. I could not quite understand that either. Please help to get this off my credit report for good and please help to put an end to all the harassment calls. XXXX!
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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: Debt collection

Convergent Outsoursi keep reporting to the 3 credit bureau that I have owe them {$2500.00}. 
I have disputed with them several times but they keep updating it in my credit report. I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has been putting out high risk letters to people I dont even know about my credit and these people paid trans union money to do that. I cant even get a personal loan or a government grant. They dont care. They lied too so many times. 
They dont bother to ask me anything they just do it without my consent.