23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. Ally place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to transunion about identity theft for several accounts that due not belong to me. 
I have requested that the items are removed as i provided the proper documentation to them. 

None of the following items belong to me and i am requesting that they are removed XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX No late payments XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

Essentially we tried paying our car payment multiple times. Unfortunately for whatever reason the wouldn't allow us. I Unfortunately contracted XXXX  and tried to handle this in between my illness. I thankfully was able to do a screen recording of the error. Previously I have never had an issue making a payment to XXXX. I've tried calling multiple times between XXXX XXXX XXXX. I'm working 16 hours shifts. Money wasn't the issue it was the fact that XXXX wouldn't allow us to process payments. I've also attached my bank account below so you see that I had the funds available at the time to pay my bill
Product: Credit card

On XXXX XXXX, 2016 Synchrony Bank sent me a letter stating that my application for a credit card from XXXX XXXX had been denied ( see attachment ). Since I never applied for a credit card from XXXX I responded to them stating the I had not applied and to notify the consumer reporting agency they used so as not to negatively affect my credit rating ( see attachment ). On XXXX XXXX, 2016 they sent me a letter explaining why my " application '' had been denied ( see attachment ). 
They never acknowledged that I did not apply for a credit card, nor notify the consumer reporting agency. 
I believe they have attempted to fraudulently seek to provide me with a credit card that I do n't want and never applied for.
Product: Payday loan, title loan, or personal loan

I have an auto loan with Ally Financials, I recently moved from XXXX   XXXX to XXXX XXXX and I need to register my vehicle, however without the the title I can not do so. 

On XX/XX/XXXX, I contacted Ally for assistance on obtaining a copy of the certified title. They advised me to fax the documents, they were faxed and confirmation was received. 

Since i had not heard from them, A month later I followed up with Ally, and they asked me to re-faxed the documents and again on XX/XX/XXXX I sent them along with the previous fax confirmation. 

On Tuesday, XX/XX/XXXX, and on Friday, XX/XX/XXXX once again I followed up. They asked that I faxed the documents again. 

On XX/XX/XXXX they notified me that they dont hold titles on financed vehicles as per XXXX regulations the Department of Motor Vehicle held the title and that I needed to go to the DMV department. So, today XX/XX/XXXX, I went to the DMV department and they advised me I had to go back to and have them ordered the title as they own the lean on the car. So DMV were not able to assist. 

So, I went back and called Ally, spoke with about 4 different representatives for almost 2 hours and no one was able to assist.

On the fifth attempt I asked to speak with a supervisor, XXXX assisted me and contacted the title department, jointly, we spoke with XXXX who at the end told XXXX to process the title request ( she had no idea on what she was doing ). This time I was told to fax my drivers license and the DMV form, MV-902 ( XX/XX/XXXX ) and to call as soon as it was fax to confirm receipt. 

20 minutes after faxing the documents to the fax number provided for the 4th time ( XXXX ) I spoke with two different representatives with no success. They were unable to confirm this information, got frustrated and both times they hanged up the phone on me. 

As of today, this issue is still outstanding. No calls back have been received. I have been patient enough for the past 6 weeks. I cant even register my vehicle and its an inconvenience. I need help! I cant seem to go anywhere with these people. There customer service team appears to not know what they are doing and I have received different responses from different people on the same topic. They lock follow up skills, sympathy, and simply Do NOT CARE.
Product: Checking or savings account

After I canceled a payment I was trying to send my money got token from this company I never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to 15 U.S. Code 1681C-2 consumer reports reporting agency shall block the reporting of any information in the file of a consumer that the consume

r identifies as information that resulted form an alleged identify theft, not a later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am victim of identify theft! please delete the items immediately! These accounts should not be furnished on my consumer reports as they are in VIOLATION under 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it
relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Along with this letter I have attached supporting documents in order to update my file. It is important that I recover the credit score. If you have any questions please feel free to contact me at the information above
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately : 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
Product: Student loan

Re : XXXX I reviewed your response to my initial complaint and found it did not address a few items. Since filing my initial complaint I also received an inaccurate payment history ( which I never requested ). This inaccuracy is confirmed by your response and a letter I received on XX/XX/XXXX. 

My complaint once more. I received notification on XX/XX/XXXX that my loan was paid in full. I had not paid the loan off, so I called into customer service that day at XXXX XXXX because I saw an Adjustment on my account for the amount of {$93.00} bringing it to a XXXX balance. I also had a payment of {$50.00} scheduled to be made that day. The rep attempted to help me however could not see the adjustment on her end. I told her that I had a payment set for that day, and when I asked what would happen if I made the payment, and then later found out my loans had been paid in full ( for whatever reason ) I was told I would receive a refund for ANY overpayment ( I re-iterate this point. The rep did not or could not tell me the loan was written off, and told me any payment I made, if the loan had been brought to zero, would be reimbursed to me ). I then received a letter telling me that because the balance of my loan had been below {$100.00} for 30 days the balance had been written off. Had I known on that day the reason my loan was paid in full and that I would not receive a refund for any payment I made I would have CANCELED the payment.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, FMC-TAMPA-IG add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX FORD add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX FORD add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, 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. 

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  The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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: Payday loan, title loan, or personal loan

Called for payoff amount. Paid the amount they told me. Now there adding more interest. Its paid off and they refuse to send me a statement saying that and they refused to let me talk to a supervisor. This is a fraudulent company!!!!!!!!!!!! Straight up.
Product: Debt collection

I receive multiple calls daily from Portfolio Recovery and at all hours of the day so they are not only harrassing me but they call all day long. They also call from different numbers in different states each time and have threatened me with legal action and foul language saying that if I don't pay that they'll have me arrested and will sue me. The debt they claim I owe was paid after I accepted an offer from the creditor for a lesser amount but they are trying to say that I never paid it. I am getting very frustrated and have tried to work this out with the debt collection agency but they have been very rude and unwilling to listen and continue to harass me several times a day to where I don't even answer anymore.
Product: Money transfer, virtual currency, or money service

Money was sent by wire transfer We have a federal reserve confirmation number The bank says they can not find it. 
They said they will look for it. 
My wife has spent days on the phone and we are getting the run around. 
No one is calling us back. 
We think their should be an audit of this account from the time they aquired this loan from XXXX XXXX.
Product: Checking or savings account

Truist will not release our funds and close our account without personally visiting a Truist branch, claiming the account is dormant. We've been accessing and monitoring the account for years virtually. We live in XXXX  and the closest branch is states away. They are holding a LARGE sum of our cash and paying pennies per month. Closing our account should not require expensive travel. The bank refuses to make any other accommodations for us to move our cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never have credit before and try to apply for credit card and my credit score is so low and drop around XXXX and cant apply for any credit score On, XX/XX/2019 the synchrony bank report is XXXX
Product: Money transfer, virtual currency, or money service

Someone charged {$800.00} on my paypal account without my permission. Their shipping address was listed as XXXX XXXX XXXX, XXXX NY, XXXX XXXX
Product: Mortgage

I submitted my monthly mortgage amount on XX/XX/XXXX I rec 'd a coupon stating that the next payment date would be XX/XX/XXXX for approx {$1000.00} The submitted and cashed payment on XX/XX/XXXX was for {$1000.00} satisfying the XX/XX/XXXX payment date. 
Wells Fargo decided NOT to apply this amount to this payment date. 
I called Wells Fargo on XX/XX/XXXX inquiring as to why this was not done. 
Customer Service had no answer for me, they then claimed that " they will expedite '' this mistake and update the payment to XX/XX/XXXX and it would take " 3-5 business days ''. THEN the person told me 7-10 business days. 
I explained to Wells Fargo that IF I did n't catch their mistake and I did n't make another payment before XXXX XXXX, my home would of went to foreclosure possibly and they would of reported my missed payment to the Credit Bureaus. 
All I get from Wells Fargo that is " human error '', well these " human errors '' seem to inundate them because I see them all the time. 
7-10 business days to update my loan? RIDICULOUS! And I will once again need to check after this time period, only to see it not applied possibly and Wells Fargo once again telling me 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) in order to request a formal investigation and correction of an account that appears to contain inaccurate and incomplete information on my credit file, as required by the Fair Credit Reporting Act. Regarding the XXXX  XXXX XXXX XXXX account with a balance of {$0.00} and a date opened of XX/XX/2021, I would like to verify the payment history and current status of this account. I strongly believe that this account is reporting inaccurate information. I have always made my payments on time and have maintained my own payment records. The information provided by the Credit Bureaus does not align with the records I have. I kindly request a thorough investigation into this account to ensure legal and accurate reporting. Additionally, I kindly ask that the Credit Bureaus verify the aforementioned account. If the information can not be fully substantiated as completely accurate, I respectfully request an immediate correction of this account on my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX Balance : {$5800.00}
Product: Checking or savings account

On XX/XX/XXXX I rented a car from XXXX - {$460.00} credit card hold, XXXX XXXX - {$630.00} debit card hold, Chase - {$300.00} cash deposit On XX/XX/XXXX due 2 separate issues with the car, I returned the car I was supposed to get a 100 % refund. 
The refund was {$300.00} deposit returned The {$460.00} credit card they stated was never charged. 
My {$630.00} was never returned to my debit card The last bewildered I got, customer service telling me to stop contacting them. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These funds were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issues appears consistent with recent findings by CFPB, which identified similar practices by navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax appears to be quick to add negative information to consumer credit reports and are EXTREMELY slow to update balances. It seems to take them 2-3 months to update balances paid down! Furthermore, they dont seem to care that their information is 2-3 months old!! This adversely affects consumers! When I dispute online, I am only allowed to dispute an inaccurate balance ONCE! But due to them being slow, the balances are always inaccurate. When I call them they are HARD TO REACH, as if they dont want consumers to find their phone number or talk to them. Once you reach them they typically want a credit report number or full social security number. The problem with that is they push updating things online, but dont list credit report numbers on their applications or websites, forcing consumers to give some stranger our full ss # s. After speaking with them, rarely will they update or EVEN VERIFY with the financial institutions reporting the information! So all of this screams of a desire to keep credit scores low!!!!!! I need help. I pay things off to have good credit, but they seem intent on blocking everyone from having good credit by refusing to update balances in a timely manner, then pointing fingers!!!!! Im tired of their excuses & sending me in circles!!!!!!!
Product: Payday loan, title loan, or personal loan

I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so in any form. I applied for a personal loan and a credit card XX/XX/XXXX and was denied both times. 

They are also closed several of my checking account for being in the negative, and I am recently finding out all of their denials and account closings are illegal. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.