23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I received a letter from Ally Bank dated XXXX. The letter stated that I have to pay {$2800.00} by XX/XX/2021. I can not pay {$2800.00}. I receive Social Security retirement income in the amount of {$800.00}. I can only make my car payments on the XXXX of each month, I get my social security check on the 3rd Wednesday of each month. I accumulated a lot of late fees because of the pay date set by Ally Bank which is the XXXX day of each month. When I was working a regular job and getting paid more money, the XXXX day of the month was fine because I was getting paid every two weeks. Now that I receive monthly income in the amount of {$800.00} it is very difficult. I conveyed my situation to the reps at Ally and asked for help, just like their letter and website suggested, but was told they could not help me because of my delinquency. I would like to either have the delinquent fees waived or placed on the end of my vehicle loan. I would also like to have my loan due date changed to the XXXX of each month.That would help me out a lot. I filed a complaint with the XXXX XXXX XXXX on XX/XX/2021 ( file ID # XXXX, but I have not received a satisfactory response. I received an email response from XXXX @ Ally Bank on XXXX. I did however speak with XXXX ( no last name given ) @ Ally Bank on XX/XX/2021. She stated she would look into my complaint I filed with the XXXX. She said that I am 16 payments behind minus the late fees and I owe $ XXXXHowever, when I go the their website to make a payment, my account shows that I owe 10 more payments. Still my concerns have not been addressed. I have since made my car payment on XX/XX/2021. XXXX with Ally Bank can be reached at XXXX XXXX XXXX XXXX Opt XXXX, Opt XXXX  ext. XXXX. You can contact Ally Financial, Inc. @ XXXX, MI XXXX. Please help me.
Product: Credit card or prepaid card

I am Disputing CREDIT REVERSALS OF TEMPORARY CREDITS  XX/XX/XXXX NEVER APPLIED OR MADE PERMANET TO REVERSE THE CREDIT. ( YOU CAN NOT TAKE BACK WHAT USAA NEVER PROVIDED!!! ). See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Completed. USAA Policy is that Temporary Credits ** MUST BE MADE PERMANET** TO APPLY TO BALANCE. See attatched XX/XX/XXXX Credit Reversals XX/XX/XXXX. {$110.00} TEMP CREDIT. XX/XX/XXXX * {$110.00} REVERSED BEFORE APPLIED PERMANET SAME DAY ACTUALLY. XX/XX/XXXX * {$21.00} Reversed XX/XX/XXXX {$21.00} NEVER MADE PERMANET XX/XX/XXXX * {$200.00} TEMPORARY XX/XX/XXXX {$200.00} CREDIT NEVER APPLIED NEVER MADE PERMANET XX/XX/XXXX * {$280.00} TEMPORARY USAA CREDIT REVERSED XX/XX/XXXX NEVER APPLIED MADE PERMANET See  statement XX/XX/XXXX XXXX NO USAA CREDITS PROVIDED for XX/XX/XXXX FRAUD of * {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with US military orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with  Wells Fargo  on  XXXX   XXXX ,   XXXX  . I was approved for the full loan amount and the loan officer stated she had to wait on a second approval from her supervisor. On  XXXX   XXXX ,   XXXX   I received a email stating I was denied because of my debt to credit ratio and I would need a cosigner. On  XXXX   XXXX ,   XXXX   I added my husband as a cosigner and once again I received an email stating we were denied, without a explanation, phone call or a follow up procedure. I have tried to contact the loan officer on several occasions, leaving voice mails but yet we have not received a valid response. This is the first time I have been involved in a situation of this magnitude with no transparency on a corporate business level.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Product: Debt collection

XXXX XXXX represented himself as a XXXX XXXX Department, and not only talked to XXXX our company 's receptionist, but the head of Human Resource XXXX XXXX. 
he told personal information and had everyone looking for me like I was or am a criminal, for a payday loan, this is unacceptable and unlawful, I have reached out for a private attorney to have this person and company sued for defamation of my character. they left the case # XXXX
Product: Credit reporting or other personal consumer reports

I have an authorized user account with XXXX XXXX that is only reporting to XXXX and not XXXX, or Equifax.
Product: Credit card

i never authorized this company to issue me any type of credit and on top of that the negative balance they put against my credit i never even recived any credit from them
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 - XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. 

It is the CFPB 's job to protect the consumer and ENFORCE the LAW. Please forward to general counsel. 

XXXX XXXX XXXX XXXX
Product: Credit card

Capital One Venture card telephoned to say my card was blocked but, other than to say there was an indication of possible attempted use by unauthorized user would not provide any information. I verified all outstanding charges. They still demanded I send them a photocopy of my Social Security card, proof of identity and proof of my address, and they would not accept telephone or on-online verification of my identity. I ( perhaps foolishly ) sent them copies of my Social Security card, passport and utility bill showing my address -- so now they are in a position to participate in identity theft should they not be completely honest. Nonetheless my account remains " restricted '' meaning I can not use the card or get any information from them online. I have filed an online complaint with Capital One and not received any response. Attempts to contact them by telephone result in very lengthy delays on hold and then a refusal by staff to provide any information or assistance, only evasiveness even when I speak with a supervisor. On XXXX XXXX, 2016, I wrote to them to close the account and credit the small rewards balance I have earned against the small outstanding balance on the account. Obviously it is too soon to have received a response.
Product: Vehicle loan or lease

Santander bank for numerous months is not adding principal amounts to the monthly payments only interest for entire amounts. Santander bank is also reporting false information on all credit agencies. I've tried many times to resolve the issue with Santander bank and get no response from them. Please look into this matter Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND EQUIFAX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR XXXX XXXX 

PAYMENTS THAT ARE MADE TO XXXX XXXX   WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED XXXX   XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Product: Credit card

I am writing to seek assistance regarding multiple failed attempts to dispute an unrecognized credit card charge. Here is a summary of the events : XXXX. Initial Dispute : - Date of Dispute : XX/XX/XXXX - Transaction Date and Amount : XX/XX/XXXX, at XXXX XXXX, amounting to XXXX {$1100.00} - Action Taken : Disputed the transaction as unrecognized. 
- Outcome : The dispute was not resolved in my favor. 

XXXX. Second Dispute : - Date of Dispute : XX/XX/XXXX - Outcome : The dispute was again unsuccessful. 

XXXX. Third Dispute with Additional Information : - Date of Dispute : XX/XX/XXXX - Provided Evidence : Submitted a copy of my XXXX, the Arrival-Departure Record Card, confirming I was not in the United States from XX/XX/XXXX, until after the transaction date. I also included a screenshot of my XXXX ID order history showing no purchases since XX/XX/XXXX. 
- Outcome : The dispute failed once more. 

XXXX. Fourth Dispute : - Date of Dispute : XX/XX/XXXX - Outcome : The dispute did not resolve in my favor. 

Despite providing substantial evidence supporting my claim that I did not authorize nor participate in the transaction in question, all disputes have been denied. This transaction was made through XXXX, and I have shown through my XXXX and XXXX XXXX order history that I could not have made this purchase. 

I request the CFPBs assistance in addressing this matter with the credit card company and Apple to ensure a thorough investigation is conducted and to facilitate the reversal of the fraudulent charge. 

Thank you for your attention to this matter. I am looking forward to your support to resolve this issue.
Product: Debt collection

Afni, inc. collection showed up on my credit report on XXXX  without sending any correspondence related to the debt or my right to dispute the debt. This collection should be removed immediately
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Additionally, Equifax has confirmed my information was exposed in a data breach. Despite Section 605B of the Fair Credit Reporting Act ( FCRA ), which gives victims of identity theft the right to block fraudulent information from their credit reports, my report was not corrected. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

On XX/XX/year>, I consulted with the XXXX XXXX XXXX XXXX for potential low testosterone assessment and treatment. As a part of that consultation, my testosterone levels were tested and subsequently tested an additional two times. It is my understanding that the testing was performed by XXXX XXXX XXXX. I paid {$4800.00} via my personal XXXX XXXX card on XX/XX/year> for all testing and treatment for 12 months. Several months later, I began receiving billing invoices from XXXX XXXX XXXX for {$550.00} for laboratory services which I took to XXXX XXXX XXXX XXXX. The clinic affirmed that I did not owe a payment and that the payment would be made by XXXX XXXX XXXX XXXX XXXX. Approximately two weeks ago, I received an email notification from the Creditors Bureau USA with an option to dispute the claim. I disputed the claim and provided my credit card statement showing I paid {$4800.00} on XX/XX/year>. Today, without any contact, due process, or due diligence ; Creditors Bureau USA provided a written notification that they arbitrarily and capriciously determined that XXXX XXXX XXXX false claim was valid. I paid the bill because I am employed by the Federal Government and undergoing a security background investigation for a new position requiring a Top Secret clearance, which would be negatively impacted by this ridiculous and clearly fraudulent attempt to take advantage of individual consumers rather than engaging in proper business relationships with peer businesses. This was an easy way for XXXX XXXX XXXX to get well without having to engage in legal action with a peer business. Creditors Bureau USA performed no role other than passing on fraudulent bills to a consumer who has limited power to remediate the defective process, and who bears the most onerous burden for the arbitrary decision.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding a distressing experience I have encountered with Wells Fargo, a bank where I have been a loyal customer for many years. Without any prior notice or explanation, my bank account was abruptly closed by Wells Fargo. This unexpected action has severely impacted my financial stability, as I relied on my account for the autopayment of critical bills, such as my mortgage. 

The closure of my account has resulted in delayed payments, damaging my credit score and accumulating significant debt. This situation has caused immense stress and financial hardship, undermining my ability to provide for my family as a single mother of three.

I am deeply concerned about the lack of communication and transparency regarding the closure of my account. Additionally, I suspect that there may be discriminatory reasons influencing this decision due to my XXXX background, which I urge you to investigate thoroughly. 

I am seeking the assistance of the Consumer Financial Protection Bureau to ensure a fair investigation into this matter and to advocate for a resolution that can alleviate the financial burdens unfairly placed upon me by this situation. 

Thank you for your attention and support in addressing this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ---
Product: Checking or savings account

I originally opened my account in XXXX but kept same account when I moved to AZ. I have two checking and one savings account at Chase. I recently sold my home and buying a condo requiring cash. I received an ACH transfer from my title company using the same routing number as on my checks. No problem, that transfer went thru smoothly. However my brokerage also sent an ACH on XX/XX/XXXX and I/we keep getting the runaround from Chase ACH support services. Ive called every day. First they told me on Tuesday that they found the payment and would post by XXXX. No! So called again on Wednesday, no record of transfer! Called again today on a 3-way call and were told because the amount was over {$100000.00} it would not be released until XX/XX/XXXX following investigation! Please help, we are only reaching XXXX support who then texts someone else for guidance. They said there is no XXXX contact for Chase ACH accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Consumer Loan

I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.
Product: Credit card or prepaid card

I received a letter from Chase stating that they were cancelling my credit card due to my having a connection to financial investigation. I am not under any investigation and they have confused me with someone else, which has happened due to my name being similar to others who have been in financial trouble. 

When I called the phone number Chase provided, I was told that the decision was final and that they were not able to talk about it with me.
Product: Checking or savings account

On the XX/XX/2022 I get a text message from my landlord stating that they received a message from my bank Chase that my last two months payment has been rejected due to authorization revoked by customer, so I contacted the bank customer service and ask what is going on? Bank customer service transfer me to claims who stated that I called them on the XX/XX/2022 and disputed the transaction and I told them that I never called to dispute any transactions and was asked to go to the bank in person and close my account and open a new account due to fraudulent activities. Went to the bank but was told there is no open space for an appointment and was scheduled the next day XX/XX/2022 and came in the bank and close my account open a new account and also got claims form that I sent by fax to Chase letting them know I didn't dispute the transactions that was shown to me. Called the bank to know if they received my fax they stated yes and was told by a customer service that they sent me a mail and will let me know about the banks decision and it will arrive in five day, until today I have not received any mail about their decision. On the XXXX XXXX I get an email that my account is overdrawn with {$1000.00} then the next day {$5000.00} was added and call the bank and wanted to know what is going on and they said my claim was reversed since I call the bank I told them that I didn't then spoke to the Identity theft and fraud department and let them know I'm a victim of identity theft and they got all my information and put on their system. Then spoke to claims department asking them where's the letter about their decision they put me on a hold for an hour and then hang up on me then I have been going back and forth and they are stating there is nothing they can do for me. I ask them how many claims were made they told me eleven so I ask how much altogether they said {$22000.00}, I reiterated I didn't dispute any transaction and they should stop charging me and have cause me financial hardship and I'm the victim but all I was saying fell on death ears. Very disappointed with how the bank handle my situation hung on my call multiple times and been walking in the branch multiple times and they are unwilling to resolve stating that anyone can call and make a claim and they are not liable I find that untrue.
Product: Mortgage

after purchasing my home, I lost my job due to COVID in XX/XX/XXXX. I then encountered XXXX XXXX so I called my mortgage company asking for assistance, XX/XX/XXXX. They instructed me that I will need to complete a full loss mitigation application. I started the process and completed the required documentation. Later I received a denial because too much time had past and my documentation submitted was outdated. XX/XX/XXXX. I re-submitted and was asking to provide additional documentation and letter of explanation for all deposits to my account. I provided that. I received a letter of denial because application was incomplete. XX/XX/XXXX. 

I called asking for details on application and what was needed. The request was re-opened and additional documentation was provided. XX/XX/XXXX. I was then asked to provide statements for my daughter 's, a dependent, checking account. I uploaded her statements. In XX/XX/XXXX, I received a letter that my mortgage was in foreclosure. 
I have called 22 times in the month of XXXX, and 3 in the month of XXXX. 

I have learned that because my hardship was due to COVID, I should not have had to go thru this entire process. It could have been streamlined. I have requested forbearance under the Federal CARES Act on XXXX.