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

My divorce decree states that my ex-wife took over the payments on a vehicle lease. 
She decided to stop paying the payments because she said she couldn't afford it and because the vehicle was originally registered in my name it's going on my credit report instead of hers. 
At the time of the divorce she had lost her job due to COVID so there was no way for her to refinance the vehicle into her name. 
Ally financial wouldn't let her do it. 
So now Ally has trashed my credit report. 
They won't do anything about it because they say it's a contract and it can't be broken. 
I guess a court document is irrelevant in this country now because they don't have any say over what corporations can do. 
And big corporations like Ally can just do what they want to do. 
This is just such a common sense issue I'm not sure why it matters to Ally who ultimately gets their credit report destroyed. It should be the person who is responsible which is my ex-wife not me. 
Ultimately we need to have legislation to force these companies to be accountable to the people rather than to themselves. The credit reporting bureau doesn't even explain it in my credit report so when someone reads it all it says is I've disputed it. 
And who even knows if someone that's reviewing my credit would even bother to review a note. 
The system is broken and needs to be overhauled
Product: Payday loan, title loan, or personal loan

Today, XX/XX/2023, I attempted to make a principal-only payment of {$2300.00}, according to an amortization table of my loan, which I obtained online. The people @ One Main Financial are telling me that they will NOT allow me to make principal-only payments! 
This is a VIOLATION on several levels : 1 ) I made it CLEAR to One Main Financial employees that I was going to do this, when I applied! No one said this is illegal. CLEALY it's NOT! 2 ) ALL open-ended loans in the US can be prepaid with principal-only payments! 3 ) One Main Financial is stating that, since this is a pre-computed loan, that I am not 'ALLOWED ' to make payments that avoid 'interest payment '. 4 ) OMF claims that ALL payments MUST pay interest, or it won't be computed. 5 ) ALL of what OMF is stating, while might be COMPANY POLICY, is aimed @ circumventing FEDERAL LAW, which CLEARLY allows PREPAYMENT of ANY loan, without the burden of penalties meant to harm the public! OMF 's prepayment policies are intended to benefit THEM, while harming the customer ( ME! ). I need your help in setting the record straight here! OMF CAN NOT set company policies that PENALIZE ANYONE trying to prepay a loan of ANY KIND, FOR ANY REASON, UNDER ANY CIRCUMSTANCE!
Product: Mortgage

I sent in XXXX checks, over XXXX months ago to Shellpoint Mortgage Services, {$2300.00} and {$4900.00} that I had received from XXXX XXXX  for water damaged that occured in XXXX to have them endorse these checks to send back to me to help pay for water damage. I had XXXX quotes for repairs, one quote for $ XXXX and one for $ XXXX. I went with the lesser of quotes. Shellpoint insisted that mywife and I endorse these checks prior to sending them in and inturn they would endorse them and send back to me. I have yet to get these checks back. I have sent in a waiver of XXXX from repairs from lesser quote and now Shellpoint is asking me to send in waiver of XXXX from repair quote $ XXXX that I never had them to repair. To say the least this repair company never replied to my request. Shellpoint eeven sent someone to photo my finished repair work. Every time I call Shellpoint they are asking for more documents which I always send to them. I get an emaol back that they would review these documents and reply back with days of receiving and I never hear from them. If I don't chase them I never know what is happening with my to be returned checks. When I call them and ask for management I'm onhold for close to one hour and they just hang up. To say the least after XXXX months of calling Shellpoint and no returned checks .... PLEASE HELP THANK YOU
Product: Checking or savings account

On XX/XX/2018, I deposited a cashier 's check from a local bank into my personal checking account at Bank of America via the ATM. I usually go into the branch, but was in a hurry and used the ATM to deposit my check - big mistake! Without giving me warning or the option to cancel the transaction, the bank placed a 12 day hold on the check! The hold was printed out on the receipt from the ATM. The funds were not available until XX/XX/2018. Again, this was a cashier 's check from a local bank, not a personal or foreign item. 

I went into the branch and called the XXXX number, but no one was able release the hold since it was done by the ATM. They did say if the check was collected sooner, the hold would be released - which is the law. So I waited several days and called again to see if the funds were collected. They were not. After a few more days it still wasn't released so I called the bank that issued the cashiers check to see if it cleared. They said it was still outstanding, Bank of America apparently didn't even attempt to collect the check until XX/XX/XXXX when the hold expired. 

So to anyone reading this, be very careful making deposits at Bank of America. Be very careful in general when dealing with them!!
Product: Credit reporting or other personal consumer reports

Credit inquiries I do not recognize. 
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: Credit reporting, credit repair services, or other personal consumer reports

I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( XXXX, Experian, XXXX ). Please note that these loans was consolidated into one loan with FedLoan Servicing, under account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am putting in a complaint because XXXX XXXX  ( XXXX XXXX ) has kept late payments on my credit report. 8 months ago, I informed them that I could not make the monthly payments due to hardship and the high interest rate. They informed me that they would take off the interest rate, closed the account so I can afford the monthly payments and continue to pay off the loan. They also said the understood my hardship and would take off the late payments on my credit report. 
The past 8 months, I have never missed a payment and Ive made every payment on time but there is still late payments on my credit report. I have mailed the courtesy letters every month asking them to please take the late payment charges off of my account. They sent me a letter stating they couldnt because its a law and that they have to keep the late payments on my credit report. 
I have continued to send letters every month to XXXX and the credit bureau to get this matter resolved because its highly effecting my credit score.
Product: Checking or savings account

My account was negative because of a car rental accident, which I had extra insurance on, and yet was charged a fee on my account. Bank of America sided with me in an initial claim. later they agreed with XXXX rental, which means a third party insures the car, therefore they have no claim to any funds in my account. Bank of America paid them, my account went negative. I didn't have the funds, which was extremely stressful dealing with this situation. Bank of America advised me if I didn't make the account current by a certain date the account would be closed. I was so stressed, and I've already been battling XXXX  XXXX for which I take two XXXX. I tried negotiating with Bank of America to make payments to pay off the debt. I can't remember what happened, but that wasn't good enough for them so finally I told them there was nothing else I could do and they would have to go ahead and close it. I tried to maintain the account, but they made it so difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

For four years, I did not know a child existed, let alone was mine. In XXXX of XXXX, I found out I was a father and I was put on child support. On top of my current child support that was ordered, the courts applied back child support for the years I missed birth to age XXXX. My monthly payments are around {$470.00} a month. This was to start in XXXX of XXXX by wage garnishment. So every month about {$230.00} every two weeks is deducted from my wages and applied to the total of this new child support bill. With the garnishment in full effect, I have not been late or missed any payments. However, the company reports missed payment every month since XXXX of XXXX. I have notified them of this three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) in writing and once over the phone. Every time I am told this is accurate with no further explanation. I have contacted the credit bureau and I have documentation of them saying the information was fixed by them but the company keeps re-reporting it. This is ruining my life and plans that I had. My credit score has plummeted and I am barely able to get through life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$770.00} Description : XXXX XXXX XXXX has written and called, and has reported this inaccurate information on my credit. I have disputed these account online several times. The last letter from XXXX XXXX XXXX was on XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I went to the post office and I mailed a certified letter to Equifax XXXX XXXX XXXX XXXX Georgia it was estimated for XX/XX/XXXX however it was delivered on XX/XX/XXXX but Equifax denies getting it after I followed up on it on XX/XX/XXXX and confirmed acceptance of delivery. They dont own up to be responsible for this matter but blames the issue on the address maybe being wrong if the PO Box for disputes is wrong then they failed to update on there end to customers or any third party who sends mail to it or providing on there website
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 i sent Experian a request to verify a bankruptcy they have showing on my credit report with them when asked for verification information i have been completely ignored my attempts to resolve this and if not corrected i will look to seek litigation for the damages this item is causing to my report.
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to bring to your attention a concerning issue I am facing with Bank of America XXXX my mortgage company for over 20 years. Recently, Bank of America has informed me that they will not accept my mortgage payment unless I open a consumer checking account with them and pay my mortgage through that new account. I believe this requirement is unconscionable and may be in violation of several federal banking laws.

First and foremost, this requirement appears to violate the Electronic Fund Transfer Act ( EFTA ), which prohibits financial institutions from conditioning the extension of credit on the consumer 's repayment by preauthorized electronic fund transfers. By mandating that I open a checking account with them to make my mortgage payments, Bank of America is effectively tying the extension of credit to a specific payment method, which is prohibited under the EFTA. 

Secondly, this requirement may also violate the Truth in Lending Act ( TILA ), which requires creditors to disclose the terms and conditions of a credit transaction to consumers. By imposing this new condition of opening a checking account to make mortgage payments, Bank of America is potentially failing to provide clear and accurate information about the terms of my mortgage agreement, as required by TILA.

Furthermore, this practice could be seen as a violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against applicants on the basis of certain characteristics, including the requirement of opening a checking account with the creditor. By imposing this condition on me, Bank of America may be engaging in discriminatory practices that are prohibited under the ECOA.

In light of these potential violations of federal banking laws, I respectfully urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Bank of America. I believe that consumers should not be subjected to such unfair and unreasonable requirements by their mortgage servicers.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. PLEASE DO NOT HESITATE TO CONTACT ME AT ( XXXX ) XXXX WITH ANY QUESTIONS. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX CO XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic I see you released my information to the credit bureaus after I froze your account Please stop reporting to them it was frozen
Product: Money transfer, virtual currency, or money service

XXXX XXXX I was scammed by a fraudulent person posting as an XXXX representative. He claimed he will upgrade my membership and give me a refund back. Convinced me to go online, give me instructions over the phone and scammed me to send {$10000.00} by wire transfer to his account. XXXX XXXX. I personally went to the bank and reported the scam. I spoke to multiple bank employees in almost 2 weeks following the incident. I was told, the bank have tried to recall the wire but to no success. One of the bank representative had personally told me the bank does not care. One of the Chase Bank employee, tried to help and made a few phone calls but nothing happened. Chase Bank, never cared. They did not even have a case filed made up about this incident. I went to report this scam to my local Police department, Detective XXXX was very nice and knowledgeable. He had been following up my case. And lately had apprehended the scammer but he is not from my city. Thereby advised me to file this complaint against The Chase Bank ( JP MORGAN CHASE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 
XXXX XXXX XXXX XXXX account # XXXX {$6600.00} XXXX  XXXX XXXX {$5800.00} XXXX XXXX XXXX {$3200.00}
Product: Debt collection

Got an alert from XXXX that a company Carter-Young Inc XXXX XXXXXXXX XXXX  XXXX, XXXX, GA XXXX ) XXXX Placed an item ( subrogated medical bill account # XXXX ) on my credit report dropping my credit score. However, I had no knowledge of this bill until I did my research- this said the bill is supposed to be sent to a law firm and be dealt with by an insurance agency for the individual who caused my accident and was in the wrong. 
Quite obviously Carter-Young Inc didn't due their due diligence, nor did the hospital who had reached out to me early in the cause of the or event of the accident wherein I articulated to them and did their groundwork in getting all bills over to the law firm who in turn have did get back to them to sort matters out. 
However, it seems as if the hospital doesn't want to wait to get paid and sold my information to Carter-Young Inc who in turn has harassed me with numerous calls. 
Furthermore, upon seeing the report via XXXX I reported it under they in turn revoked it and still have it on my credit report. I would like for this to be resolved by Carter Young and XXXX XXXX XXXX- the original creditor.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, XXXX and Equifax credit reports and I can see accounts reporting inaccurately. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax, Equifax Internal Department, this complaint I am making specific to a worker in this department that I respect I will not say her name, but I have such bad luck that this lady is the one who answers my phone and tells me some things that are outside the federal law of fair credit. I am a victim of identity theft and to the lady I tell her to dispute the accounts for fraud, which has been done many times, but she does not have the power or work in the senate or in the court where laws are made to tell me that she does not intend to dispute anything else, it is more she tells me those accounts are her own belongs to her because there are evidences that are mine, I want to say something, when one is robbed of the identity the person who does it does so perfect that everything indicates that it is your account, I know that that to you. It does not matter to you because it is not your problem but it is mine and very important, because you have no idea what I suffer from this situation, so I ask prudently, but you will not intimidate me by telling me that and I will not be forced just because you say that I have to accept these accounts that do not belong to me. If I have to dispute 100 times, I will, if I have to go with a claim to Equifax I will. 

Below are the accounts that I will dispute ; I will also upload the letters, the FTC report and my documents. 

1- XXXX XXXX # XXXX  2-XXXX XXXX # XXXX  3-XXXX XXXX # XXXX  4-XXXX XXXX XXXX # XXXX 5- XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX failed to verify accuracy and violated my rights and continue to do so by falsely stating they verified with proof requested. Moreover, Collection agency is not licensed in WA state.

15 USC 1692g - Failure to provide debt validation. 15 USC 1692c, 15 USC 1692e, 15 USC 1692g : False statement and representation. Failure to verify assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations. 

XXXX XXXX XXXX not licensed in WA state and therefore is illegal!
Product: Credit card

I was working XXXX, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX Bank and Capital One. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at Capital One did not resolve the fraudulent account and continues to report negative information on my XXXX credit reports. 
I have documents showing that I do not and have not lived at the address listed on the Capital One accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX XXXX XXXX XXXX Office when I reported the fraud. 
Please assist in disputing Capital One 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with Capital One.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} Late/closed Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Wells Fargo Complaint Number : XXXX XXXX Wells Fargo Case Number : XXXX This complaint is in regards to a closed account with Wells Fargo Bank. Around XXXX or XXXX of XXXX, I noticed approximately {$3400.00} was missing out of my Wells Fargo Bank Account. As soon as I noticed the funds were missing out of my account I went into the XXXX XXXX, South Carolina Wells Fargo Branch to speak with the Branch Manager. On Thursday, XX/XX/XXXX I filed a complaint with Wells Fargo Bank Personal Banker XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Wells Fargo Bank Personal Banker XXXX XXXX XXXX created a escalated complaint. Complaint Number XXXX XXXX. A Wells Fargo Case Specialist by the name of XXXX XXXX sent me a secure message stating Were continuing to research and address your concern about missing money from an account. Our initial goal was to provide a response by XX/XX/XXXX, however further research is required in order to provide a comprehensive resolution of this matter.We now expect to complete our work by XX/XX/XXXX and appreciate your patience during this time. As of today Wednesday, XX/XX/XXXX I havent received an email after receiving the attached secure message included with this complaint.I have included a screenshot image of the Wells Fargo Secure Message with this complaint.Please let me know if you require additional information.