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

I called Ally Auto regarding my XXXX XXXX XXXX refinance as a used vehicle on or approximately XX/XX/XXXX to state I could not access the mobile Ally App which I have used since the beginning of my loan. I can not access Ally to confirm the initial date of my loan but I have not had any issues until Ally Auto stated they upgraded their mobile APP and several customers were having issues accessing to pay bill, etc. 
After several attempts over several days and long wait times and language barriers, which included trying to use my personal computer, i.e. Desktop vs the mobile APP and being to I was locked out ; I reach a person that assured me that my issue would be resolved. On XXXX I was given a Ticket # XXXX and was advised someone would reach out to me via my cell # ( XXXX ) which I provided. The issue was never fixed, no one ever reached out to me. On XXXX @ XXXX XXXX ET ( Confirmation # XXXX ) I paid {$650.00} USD plus a fee to use the phone services which was provided when I called the ALLY # XXXX. 
On XXXX after waiting on hold for unreasonable amount of time and language barriers of the representatives and conversing back and forth requesting a supervisor, IT or someone in charge, I was transferred to someone that said they were a ALLY Tech and my issue would be resolved. I was provided a Ticket # ( Reference # ) XXXX. I was told by end of business the next day ( XXXX ) my issue would be resolved. My issue is not resolved. I have tried several times to gain access to ALLY Auto and to no avail I am still unable to pay a bill. 
At this time I want ALLY Auto to just wipe my debt free and let me be gone of their terrible services. They are hiring representatives in another country but taking consumers money that live in the USA. This is outrageous should be illegal. I want nothing to do with ALLY period! I have no money as it is and asking me to pay extra money to pay a bill and all the stress dealing with the mess is enough to say ALLY Auto owes ME! Please help me! Thank you.
Product: Checking or savings account

In late XX/XX/2023 I realize that my account with Cadence Bank was not accurate, i went in to local branch to discuss the problem, and to file a affidavit but was never allowed, i made numerous visit and always spoke to bank Manager at XXXX XXXX XXXX XXXX XXXX, MS XXXX. I let her know that several transactions were not mind. she showed me several videos, but none showed the monies i'm disputing being counted to me, also several transactions don't have a signature, nor is in my hand writing. i've called numerous times and visited several different branch 's trying to dispute this and they continue to give me the run around. please help me, i believe that {$21000.00} is missing from my bank account that i did not get
Product: Money transfer, virtual currency, or money service

I want information about the account that was created : dates and any suspected transaction as I have a received a 1099-K for transactions on a cash app account that I did not create, order or utilize the card and I received a cash app card at my place of employment. I need help closing this card out and reporting it as fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against [ Transunion ] for its negligent handling of my consumer information, resulting in a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. This negligence has adversely affected my creditworthiness and caused me undue distress.

Details of the Incident : : [ XXXX XXXX, XXXX XXXX ] No action has been taken by the company nor calls have been returned. I am profoundly upset with the whole situation. 
Impact on Me : I have not applied for any services any time recently, I do not understand where these charges are coming from. Also there is a lot of hard inquiries affecting my credit that have been on my report for more than a year that should no longer be there. Ive spoken to transunion plenty of times and was advised the situation will be handled but nothing has been.. 
Legal Basis for Complaint : Under 15 U.S.C. XXXX, any person who negligently fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. This includes failing to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 
XXXX I would hope most of these charges on my report including the hard inquiries are removed or I will have to take further steps to resolve the situation. 

To rectify this situation, I request the following actions : Immediate Investigation : Conduct a thorough and prompt investigation into the circumstances surrounding this incident. 
Correction of Information : If any inaccuracies are found, promptly correct them in all consumer reporting agencies where they have been reported. 
Compensation for Damages : Provide compensation for any actual damages sustained as a result of this negligence, including but not limited to any adverse effects on my credit score and the emotional distress caused.

Preventive Measures : Implement measures to prevent future occurrences of similar negligence, ensuring compliance with all FCRA requirements. 
Please acknowledge receipt of this complaint within [ XXXX ] days and inform me of the steps you will take to address this issue. I expect a resolution within [ XXXX ] days from the date of this letter. If I do not receive a satisfactory response, I will consider pursuing further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal remedies. 

Thank you for your prompt attention to this serious matter. 

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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX Santander number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are competely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within XXXX business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it XXXX sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are completely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( XXXX, XXXX, Experian, XXXXXXXX XXXX ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXXXXXX XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX XXXX  I went shopping at JC penny. Whiles the sales girl was checking me out, she asked if I wanted to sign up for rewards and I said yes. Only to find out at the last minute that it was credit card application. My scores reduced after they deducted. I called the company to fix it the problem so that I can get my scores back and nothing was done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer. 

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : names and address not mine XXXX XXXX FCRA Violation : other loan never late XXXX XXXX XXXX XXXX XXXX I FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against WELLS FARGO BANK N.A. for committing identity theft. I have never given WELLS FARGO BANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from WELLS FARGO BANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO BANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from Clearfield Trust Co. V. United States , S.Ct. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO BANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO BANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO BANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

My original mortgage was with XXXX Mortgage so I had no choice in the use of Green Tree Servicing LLC. The house that was being serviced by GTMS was sold and the closing date was originally set for XXXX/XXXX/2015. I was told by the title company not to make my XXXX payment as this would alter the HUD. The closing was moved to XXXX/XXXX/2015 however as the payoff was being sent via ACH it would reach GTMS prior to the Late phase. I received an unfriendly call from XXXX at GTMS on XXXX/XXXX/2015 indicating I needed to call right away. I did so however of course no XXXX was available so I spoke with XXXX. I explained to XXXX that the closing had happened and the funds from the proceeds for me were posted to my account so I was certain Green Tree had theirs as well. She insisted they did not and indicated that the only way to prevent reporting a late payment ( never been late in the over 20 years ) was to give them my payment information and if they did not receive the pay off by Monday XXXX/XXXX/2015 they would secure a payment. She assured me that if they did they would not. I reviewed the on line account on XXXX/XXXX/2015 and the account was closed and indicated as paid in full so I knew the payoff was received. I called on Friday XXXX/XXXX/2015 simply to make sure. The representative I spoke with rudely told me she could n't help me because there was nothing for her to look up as the account was not active. Okay so no payment should draft on Monday if no account is open. Guess that is not true as GTMS took the over {$1200.00} plus a {$12.00} fee on Monday XXXX/XXXX/2015. I immediately called and was of course given the run around and the hummm not sure why that happened. I was told it would be reversed right away and XXXX took my checking account and routing information to make this happen. I waited a week before calling back only to be told that the funds were in a " no where to post '' account and it would be 30 days prior to their release. Makes no sense. The rep kept saying that they could n't refund money from a closed account well they sure could take it to a closed account. She transferred me to a " supervisor ''. I received said supervisors voicemail and three days later am still waiting for a return call. 
Not appreciative that my money is sitting somewhere unknown to me and that I have no way to get it back. Bad Bad Bad business practice!
Product: Debt collection

XXXX XXXX and I XXXX XXXX  settled outta court for {$500.00} on XXXX XXXX... 
They took my security deposit and trying to come take my money...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX.. The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Equifax sent a copy of my credit report that showed inquiries deleted but it is still showing on my credit report. Prior to XXXX I spoke with a agent on the phone who advised they had all of my required paperwork and these inquries will be deleted with a confirmation number XXXX. The credit report sent to me had the same confirmation number XXXX on the report by Equifax. The credit report says The investigation clearly says Results of our reinvestigation : Results these inquires has been deleted., but is still on my report. The inquiries are listed as XXXX XXXX AND XXXX XXXX XXXX also noticed XXXX other accounts thats not supposed to be on my credit report and I didnt give permission for them to pull my credit to get these inquires. 
XXXX XXXX XXXX, XXXX My consumer rights has been violated under 15 U.S.C. 1681i Paragraph ( 5 ) any info I also attached a copy of the letter I sent to Equifax on XXXX as well. 
I also attached a copy of the credit report showing Equifax results for the investigation of inquires been deleted. 

My current address is shown on my state ID which is attached as well along with my proof of residence. Please update my address to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, LA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, EQUIFAX, and XXXX  credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The removal of one of the inquiries was taken off from XXXXXXXX XXXX XXXX XXXX However, the other XXXX were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, XXXX XXXX I on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.
Product: Vehicle loan or lease

I had just filed a bankruptcy to fix my credit. It was a national disaster nobody cared the dealer closed this deal destroyed my credit and the company will take accountability for there actions or the car dealer ship
Product: Credit reporting, credit repair services, or other personal consumer reports

United wholesale Mortgage is mistakenly reporting me late. Please see the attachment and proof of delivered payment.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Our son was in a horrific accident in XX/XX/XXXX, I called the Mortgage company to explain to them that in order for our son to come home we had to modify our home, unfortunately the only money at the time we had was our Mortgage payment and we used it to make our home accessible for our son, now that he is XXXX. Things were okay the first few month 's, but shortly after Wells Fargo would deny taken payment over the phone they would put our money in a " suspense account '' time and time again and release the money and it unfortunately repeat over again. After trying for months to work on it, in mediations with Wells Fargo we had no alternative, but to hire an Attorney. Ultimately our home was foreclosed on even after our attorneys submitted document after document, month after month in order to refinance our home we were even approved for HOPE and after submitting the documents to our attorney 's they advised us that there was nothing they could do that they were foreclosing on us and we had to be out of our home. We lost our home that we put our blood sweat and tears into that home, our son feels he is the blame that we lost our home and now we have bad credit due to this.