23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX Balance {$4900.00} Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX OPEN : XXXX BALANCE : {$10000.00} XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX Date : XXXX INQUIRY : XXXXXXXX XXXX XXXXXXXX Date : XXXX Please Help Me Reinvestage These Accounts I Seen A Few Errors on My Report and These Accounts Wasnt Open Without Permission Or consent Please Help Me Contact The Creditors And Request Written Documents And Permission Signature From Me This Is A Voilation Of My Consumer Rights And This Needs To Be Handle Accordingly. PLease HELP ME CHANGE THE ADDRESS ON MY REPORT.. 

FCRA VIOLATION BY FCRA LAW CODES : CREDIT REPORTING AGENCIES HAVE TO REPORT ACCURATE INFORMATION ONLY On A CONSUMER REPORT ( 15 USC1681B ) ( 15 USC1681N ) -ANY WHO OBTAINS A CONSUMER REPORT FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWINGLY WITHOUS A PERMISSIBLE REPORTING AGENCY FOR ACTUAL DAMAGES SUSTAINED BY THE CONSUMER REPORTING AGENCY OR {$1000.00} WHICHEVER IS GREATER..
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX was sent an affidavit on XX/XX/2022. EQUIFAX was given 5 days to respond and have not responded in a reasonable amount of time. Therefore, according to the law they must comply with all demands made within the affidavit. I have made several attempts to peacefully rectify the issues outlined in the affidavit, but EQUIFAX continues to violate my consumer rights by improperly reporting unlawful information on my consumer report.
Product: Debt collection

Some unknown debt/credit charges on my personal credit report .i request for a purchase agreement from these debts collectors. 
Portfolio recovery XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting

My Trans Union credit report states that I opened a XXXX XXXX XXXX credit card in 2013. I called XXXX XXXX XXXX and they do not have a record of my having a credit card with them. C/R is used to describe the issue on the credit report. I would like this removed from my credit report as I have not used a XXXX XXXX XXXX card for several decades.
Product: Checking or savings account

I have an urgent issue on Ally Bank bill pay that must be escalated for help. I am an Ally Bank customer and used your bill pay service to pay two bills ( one to pay for property tax, while the other to pay for XXXX fee ). Both bill pays were requested from my Ally Bank online account on XX/XX/XXXX. Based on the bill pay record, the checks should have been mailed to both payees in two separate mails on XX/XX/XXXX and should have been delivered to payees on XX/XX/XXXX. 

However, so far the checks sent from your Bill Pay department have NOT been deposited by payees yet. I am wondering if your Bill Pay department did mail out the checks to the correct addresses or maybe they forgot to mail out the checks yet. 

Because both bills are due by XX/XX/XXXX, the payment checks must be received by both payees no later than XX/XX/XXXX. Therefore, I request your Ally Bank to confirm with their Bill Pay department to verify if both checks have already been mailed to the correct addresses of both payees on XX/XX/XXXX. Meanwhile, I request Ally Bank to provide me the check numbers of both payment checks. So I can ensure that the checks have indeed been mailed out.
Product: Checking or savings account

My accounts were taken over by Captial One from XXXX back as far as XXXX. For five and a half years, Capital One did not pay the interests I originally signed up for and I caught the discrepancy and fixed it by switching to their XXXX accounts in XX/XX/XXXX. I was mislead by Capital One for over 66 months and the difference in interest earned is staggering. By my calculations, I lost almost {$4000.00} in interest in this period not to mention any compounding.
Product: Vehicle loan or lease

XXXX reached out to loan company to ensure that current lender check was recieved and being processed
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX does not belong to me. I have done research and discovered it is a secured card. I dont need a secured card as I have a credit card with my XXXX XXXXXXXX XXXX XXXX! Please REMOVE this its extremely damaging to my credit. 



Please also remove the address XXXX XXXX XXXX And the phone number XXXX from my credit report as these are other fraudulent things open in my name.
Product: Credit reporting or other personal consumer reports

I have tried to reach out to XXXX on numerous occasions to resolve the issue of them continually being malicious and unethical in an effort to keep reporting negative information on my credit reports in addition to not providing a 1099-C if it is truly a charge-off.

They are reporting a charge off with a date of XX/XX/XXXX, however when I requested a 1099-C on or around XX/XX/XXXX via written correspondence, I did not receive a response. 

When I previously tried to contact them on or around XX/XX/XXXX I was advised by their representative XXXX that they no longer handled my account and the Power of Attorney was XXXX XXXX. I tried to reach out to XXXX XXXX, however there was no response. 

On or around XX/XX/XXXX there was no reporting of XXXX on my XXXX credit report as I also reconfirmed that with a representative on or around XXXX XXXX that confirmed it was not listed. As of current not only do I have one entry, but two entries for the same account with different erroneous information listed, which conveniently showed up after me reaching out to them. I now have duplicate negative accounts. In addition, they sent me an email advising that the account had NOT been cancelled or forgiven for tax purposes. I find that to be contradictory and making false statements to benefit tax wise. I have provided documents to support my claims. 

I am also receiving collection calls. If the statute of limitations to collecting a debt in California is 4 years then why are they still trying to indirectly trying to still collect? 

XXXX is also reporting a 4 month term, which anyone can see is inconsistent with the payment history. If it was a 4 month term then why would there be a history of payments over several years and not considered past due from XXXX. 

I am handicapped and the stress is overwhelming with all of the new updates that keep occuring. I tried to dispute with Experian, however because they have a dedicated relationship to XXXX they responded to my individual dispute with them within one day and did not investigate my specific dispute and overrode it with whatever XXXX submitted. XXXX has the same relationship and now is in violation as well for not fully investigating my dispute and now reinserting the account as a duplicate. 

XXXX has continually violated the FCRA by : -Ignoring document/investigation requests -Willfully and recklessy reporting false info to the credit bureaus after being notified of the reporting errs and failing to investigate or correct the error, including inaccurate remarks -Reporting a new ( duplicate ) account information after receiving notice of dispute on the old account.
Product: Credit card

Please see the attached documents. I urge the bureau to commence an investigation into these accounts, as I am consistently on time, but they are incorrectly reporting me as late.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes particularly in light of the recent cfpb lawsuit highlighting specific issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpbs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I refinanced a mortgage with Loan Depot and the monthly payments were {$1300.00} however, I was notified that I had an escrow shortage and that my payment would go up to {$1400.00} but, would remain at the original {$1300.00} if the escrow shortage was paid. On XXXX XXXX, 2016, I submitted a payment of {$1000.00} to fulfill the escrow shortage. However, Loan Depot is still asking for the {$1400.00} even though I have called their office on two different occasions and was told that the {$1000.00} would be applied to the shortage and that my payment would remain at {$1300.00}. They have returned my XXXX XXXX payment stating that I owe {$1400.00}.
Product: Checking or savings account

I made two transfers from my Savings account. One was an ACH to XXXX for $ XXXX from Ally Bank XXXX The second was for bank to bank transfer from Ally Bank to XXXX XXXX for {$16000.00}. This was on XX/XX/23. XXXX XXXX was my fault, I didnt have sufficient funds. This amount never made it to XXXX XXXX account before it was requested back from Ally because of insufficient funds. Ally already had that money coming back but locked my account so I couldnt see when it returned. After several calls and several days, I had access back to that account because the {$16000.00} was returned. The problem now is the {$9400.00} was requested back from Ally. After three more calls to Alley, they now found the funds, created a case number ( # XXXX ) this was on XX/XX/23. As of XX/XX/23, the account is still under investigation and no funds have been returned to my account. The call today also said, they dont know when it will be returned. This is well after their 3-5 day policy. I want my funds back into my account, that really should have never been requested back because they had already the funds from XXXX XXXX. That more than covered the funds.
Product: Credit card or prepaid card

My XXXX, XXXX XXXX, applied to multiple XXXX cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX  XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Product: Debt collection

Credit Management Lp is reporting a debt owed to XXXX  that I do not owe because I never opened an account with XXXX. I received the first notification of this on XX/XX/XXXX from my XXXX account that sent me an email notification that a collections was added to my file. It was sent to XXXX that I owe {$1000.00}. I called the company and was told by XXXX that I owed {$600.00} to XXXX for an address that I never lived at in XXXX. 
I told her I could prove that I lived in another state and I also around that time I was a victim of Identity thief, so please send the account back to XXXX and remove this from my report within XXXX hours. 
I also told her that I never received anything from them to give them this information before they sent this to the XXXX credit reporting agency. 
I called again today XX/XX/XXXX and spoke with XXXX XXXX who stated now she could not pull up the account without having my social security number or the account number which I did not have because it isn't listed on the XXXX account below with XXXX  and I was not going to give her my social because XXXX the day before pulled it up by my name only. I pay for this service monthly and have been paying for it since XXXX due to being a victim of Identity thief. 

They are reporting inaccurate information XXXX. Owner of Debt XXXX. Amount they said they had on file and the amount reporting to XXXX XXXX. Reporting as past Due on someone's XXXX amount on my report Account Number XXXX Original Lender XXXX XXXX Agency Name Credit Management Lp Date Assigned XXXX XXXX, XXXX Original Balance {$1000.00} Current Balance {$1000.00} Responsibility Individual
Product: Student loan

I had no idea how Student Loans work. I took them out though because I needed the money for college, and my college told me it would be the only way I would be able to afford to go. That is on me. I attended the University of XXXX XXXX and graduated in XX/XX/2016. 

Fast forward to when I was graduated. About 5 months after I graduated, I started receiving calls about setting up arrangements to pay back my loans. I was still searching for a permanent job, but was doing odd jobs here and there to make some money. I explained this situation to them and they were very understanding. I offered to make a reduced rate knowing what I could afford. 

This is when things started going south for me. They mentioned a program where I could pay {$0.00} until I got to the point where I could afford the proper amount ( approximately 1 % of the my total loan amount a month ) / I offered to at least begin making small payments but was told that it would do nothing but lower my credit score as they would have to report it as incomplete payments. I was pressured in to the {$0.00} payment plan. 

I told them I would need some time to think about it. They responded with my need to act quickly as this was a short time offer that they do not regularly give out and I could lose it. I was rushed documents to fill out as they told me what to put down. I then entered in to this agreement where I paid {$0.00} for about 18 months until I finally had enough cash flow to provide the full amount a month. 

Having done research and having abetter understanding of how student loans work and money work, I feel that I was taken advantage of and could have at the very least, covered the payments of the interest to prevent an even higher amount being owed now. 

When I did bring it up to them, they just apologized for how I was treated and stated that all they could do is ensure better customer service moving forward.
Product: Debt collection

The company is calling my employer telling the secretary that I have a debt and they have a warrent for my arrest.  They have also told her they will be serving me at my employment.  I spoke to them and requested they cease to contact me at my employment and if they would like any communications with me they can do so via mail.  They start to yell at me that I am not paying the debt, they are going to serve me today, that the debt owed is XXXX but I now owe over XXXX in fees.  They tell me they going to continue to call me until they get they money.  They hang up the phone on me as well.  I started to receive these phone calls after Capital One's breach.
Product: Checking or savings account

First, I have an overdraft protection checking account. An overdraft was triggered in late XXXX ( XX/XX/22 ). TD Bank sent me a payoff statement for the overdraft which I paid in full ( {$340.00} ) on XX/XX/22. They latter sent me a statement on XX/XX/22 saying that they have a new payoff figure for the same overdraft of {$1.00}. in interest. I spoke to numerous representatives at TD Bank and they refused to cancel this charge. TD Bank is hiding the real payoff figures in these overdraft situations so they later can charge additional interest causing the consumer millions of dollars nation wide. No where on their statements does it say that this figure is not a true payoff figure. It is clearly obscured and borderline fraud.
Product: Student loan

I had two sets of loans : XX/XX/XXXX {$7500.00} and XX/XX/XXXX {$7100.00}. Loans went into default multiple times with multiple payments made along the years. I contacted the original servicer KHESLC/KHEAA and started to pay them all in full as of XX/XX/XXXX. I paid a total of XXXX in payments and one payment of XXXX to pay the loan to settle the debt. So I paid {$14000.00} and had {$2000.00} in interest written off. Making the grand total of the loans {$17000.00}. 
Though out XX/XX/XXXX to XX/XX/XXXX I received a few notices from Dept of Ed saying I owe them money and I would call the number get directed to XXXX where I was constantly reassured I was paying off all of my loans. From XX/XX/XXXX to about XX/XX/XXXX I heard nothing and assumed I was done. In XX/XX/XXXX I started getting calls from a debt collector which I assumed was a scam until my IRS tax return got yanked for the Dept of ED. I called KHEAA of course but now they are saying that I paid that {$17000.00} for the 1 set of loans from XX/XX/XXXX and keep telling me I need to call the debt collector. 
Also in that conversation they stated my interest rate was 6 % and that there was also another {$900.00} dollars paid to this loan for a grand total of {$17000.00}. The math does not add up and I believe they absorbed the 2nd set of loans and have misplaced the documentation. And the 2nd set of loans {$7100.00} literally 11 yrs later not 8 are only at {$10000.00} according to Dept of ED.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concerns regarding a derogatory rating on my account. This negative mark has had severe consequences on my financial well-being, including the rejection of a recent loan application and increased interest rates on my existing credit accounts. The ongoing financial and emotional strain this situation has caused can not be overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which Equifax and XXXX did not modify or remove anything. 

The date is not correct, last active is not correct on all three credit reports, date of late payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how they have violated my rights.
Product: Debt collection

XXXX XXXX calls from phone # XXXX every day, 4-5x per day at my place of business. I have tried numerous times to answer the call so I could speak to someone, but once I answer, the call hangs up. I have contacted them 4 times now to request them to stop calling. Just today, when I recognized the phone number, I answered it on speaker phone. There was an automated message with a name on it. I then called them back to give them the name. They notified me that they cant stop our calls based on the name. We have to provide the specific telephone #, which is impossible for me since we have a phone system that rolls over if unanswered in another state. we also have individual direct telephone numbers that will also roll over if unanswered. I advised them to have their IT dept figure out how that name provided was entered, so they would be able to trace the phone number. So far, nothing has been done. This has gone on for 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My acct was with XXXX and I had a payment plan with them back in XXXX But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.
Product: Checking or savings account

Dispute to Ally Bank XXXX XX/XX/2023, 2 x {$880.00} ACH payments were made to my new and old mortgage lenders. 
At the time my old mortgage lender sold the loan to another mortgage company. I added the new mortgage lender to my online Bill Pay and paid the new lender and cancelled the payment to the previous lender. The ACH was still being processed and still charged my account at which time I disputed the charge ( {$880.00} ). 
The dispute was Approved by Ally Bankon XX/XX/XXXX and a credit was applied to my account. 
On XX/XX/ the charge was then reapplied to my account without notice or contact. 
I contacted the bank and they said they have the right to reject their initial approval. 

To withdraw funds from an account without notice appears to be a wrongful transaction. Furthermore I can not find any documentation in Ally Bank policies that states they have the right to withdraw or reject a dispute they initially approved.
Product: Money transfer, virtual currency, or money service

I had send money via MoneyGram to someone. The time of completion of request on the receipt was XXXX on X/X/15. I called the company at XXXX on same day to cancel and get a full refund. I was on hold for 2-3 minutes. The phone rep came on line and it took him another 10 minutes to process the refund.
I picked up my funds minus the fee of {$11.00} the next day.
I have since then called the company and per the manager, I should not be getting the fee back because the transaction completion went over 30 minutes.
Note : With his poor comprehension skills, it was very difficult for him to even state this statement to me, but this is the best I could make out of his words he was throughing at me!
I found it very thought to explain to the non native speaker of English on the phone that I had initiated the refund call within 30 minutes and that should be looked at and not the time it took for the phone rep ( another person who could barely speak English ) to process the refund completely.
It appears the manager was not even aware of the 30 minute refund policy on back of the re riot.
FYI- Please note that before speaking with the manager I was initially speaking to another phone rep who told me that I should not be getting the fee back as I called 2 days after the event.
This is not true as there is no statement on the receipt that tells you to call back within one day for any dispute.
Product: Debt collection

I've sent letters to this company and have not heard back. After having my credit report pulled, I found that they have a debt listed that does not belong to me. I've never had an account with XXXX. I've been a XXXX customer for years. Matter of fact, when I recently tried to switch to XXXX, they gave me two brand new XXXX with no money down. If I had issues with them, I believe they would have noticed a previous account. ( I ended up returning the devices within the week, after deciding to stay with XXXX ). This was in XX/XX/XXXX. This account on my credit shows that it was reported on XX/XX/XXXX The fact that they have not tried to resolve this is causing me extreme financial distress. I want this account removed off all three of my credit reports immediately.