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

I submitted a complaint to CFPB on XX/XX/XXXX. Ally responded on XX/XX/XXXX. CFPB XXXX XXXX. 

While I appreciate the response from Ally, they did not address that they ultimately used deceptive tactics to entice me into forfeiting my right to continue disputing the debt and saying that a partial payment would not adversely impact my credit. 

I did not arbitrarily come up with the amount that was paid. The amount I paid was positioned to me as satisfying the debt being contested. This was in line with a prior letter from Ally in XX/XX/XXXX where Ally proactively solicited that I accept a lower amount that would satisfy this debt. As someone that has maintained a pristine payment history not just with GMAC/Ally but across all my debts, it does not make sense that I would purposely adversely impact my credit score by paying a lower amount. 

Per my understanding of the Generally Accepted Accounting Principals ( GAAP ) from accounting of Accounts Receivable, it is at Ally 's discretion when my account should be considered a Charge Off. Despite the multiple times I told Ally I would be happy to pay for the damage, they still decided on their own volition to account for this as a Charge Off. I was clear in what was needed from Ally, I remained in constant contact with Ally throughout the whole time in question, and I held multiple calls with customer service representatives. All of these actions refute Ally 's position that I was not willing to pay. If the accounting mechanics mentioned are incorrect, I would ask that you please share the corresponding section within GAAP guidelines or provide a letter from your auditing firm that substantiates your position that a charge off was accounting driven. 

While Ally did complete a cursory review of the history, there are still substantial details left out. I have expressed multiple times that I would like to work with Ally so that this not be labeled a Charge Off.
Product: Credit reporting

I recently viewed my Transunion Credit Report. I have disputed XXXX accounts ( CAF # XXXX & XXXX ) since XXXX 2016. Both these accounts have been properly investigated and removed from my XXXX & XXXX Credit Report but still remains on my Transunion Report.
Product: Debt collection

Received a call from ( XXXX ) XXXX as my home phone had scam alert and disconnected it after 2 rings. I notice I had 5 calls from this number since XX/XX/XXXX. I called it back because I have a delivery and thought it was them try to set up a date. 

XXXX said they were from Phoenix Finance debt collectors and asked my date birth and I said you tell me and then the said my name. They said I owed a XXXX XXXX ambulance bill from XX/XX/XXXX in the amount of {$160.00}??. I said no I don't and told them this was a scam. XXXX claimed they sent 2 envelopes to my address as I moved out of state. We have never received any envelopes or bill. I contacted my XXXX XXXX XXXX which I carry though my employer and asked the to check this. They have no record of any ambulance service or have never paid 2 payments on this claim for me for XX/XX/XXXX. I had XXXX contact this XXXX and conference us in and she reinerated that to XXXXXXXX @ Phoenix Financial debt collectors. He read me the statue of limits said this would be on our credit report, with a judgement against me and my employer. XXXX asked him with my permission to send and itemized bill and he said it could take up to 30 days. I have not received any bills ever pertaining to this and have confirmed with XXXX I do not owe this bill. I am concerned they will tarnish my credit report and affect my job with this unfounded claim. Phoenix contacted me XX/XX/XXXX, and XXXX XXXX and XXXX on my caller Id. Have never any documentation for this false claim.
Product: Credit card

Hello, I submitted a Chase credit card application on XX/XX/24 for the IHG One Rewards Premier Credit Card. The same day I received an email from Chase stating, " Dear XXXX XXXX XXXX : Thank you for your application. We are sorry, but we could not confirm the information you submitted. We need you to send more information. If we do not hear from you in 30 days, we will stop reviewing your application. Here 's what we need to continue reviewing your application ( 1 ) Proof of current physical address ( e.g. utility bill, government issued ID ) and ( 2 ) unverified or missing date of birth. Please provide proof of date of birth. Within the email, Chase lists acceptable documents for both physical address and date of birth that includes US-issued driver 's license. 
I uploaded my driver 's license on XX/XX/24. I then received a letter dated XX/XX/24 that states, " Update : We are unable to process your application. Dear XXXX XXXX XXXX : We carefully reviewed the documents you sent us about the application listed above. Unfortunately, they did not provide the information required and we are unable to process your application. Thank you for considering Chase. Sincerely, Lending Services. '' I believe Chase 's actions directly contradicts Regulation B Section 1002.2 ( f ) that states an, " Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. '' Furthermore, " A COMPLETED application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including... credit reports... ). The creditor shall exercise reasonable diligence in obtaining such information. '' In addition, the official interpretations 1002.2 ( f ) ( 6 ) states, " The regulation defines a completed application in terms that give a creditor the latitude to establish its own information requirements. NEVERTHELESS, the creditor must act with reasonable diligence to collect information needed to complete the application. For example, the credit should request information from third parties, such as a credit report, promptly after receiving the application. '' Chase bank did not comply with Regulation B because ( 1 ) my application listed all the information the bank needed to consider the application complete ( I listed my DOB and address ), ( 2 ) the bank has the latitude to collect information it deems necessary to consider the application completed which I provided by uploading my driver 's license, and ( 3 ) the bank should have acted with reasonable diligence to collect my information through pulling my credit report which would readily display my address and DOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I had an issue with unauthorized activity to my XXXX account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.
Product: Student loan

My loan has been sent to a second collection agency - I think. I have received a letter from Capital Management Services , LP stating they " have been engaged by XXXX XXXX XXXX XXXX to resolve your delinquent debt .... '' I have been making payments to another agency - XXXX XXXX XXXX XXXX XXXX XXXX - since XX/XX/XXXX 2015. 

I have written a letter to Capital Management Services , LP asking for an explanation. I am mailing this letter today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called EXPERIAN IN LAST THREE DAYS, But no one seems to want to help and kept passed on to different department so at end of each called, left me on hold and nobody reply back to me. 

If anyone of you getting denial of over 20 applications for a credit cards, you would be concerned. Yes, I made mistake for not paying a few credit cards that I owe, but I had talked to the bank that I owe already and let them know already. Therefore, the next thing that came in my mailbox was debt collector asked for the money I owe, which is originally from XXXX XXXX XXXX. 
So, I took a couple of days to scanned through all the laws, right, etc. About CFRA and study on how financial system and how it works. So, the first thing I did was checking my email and there was a statement about if you get denial of an application. You have the right to ask them which company name address and phone number. So I learned that you have the right to ask them WHAT is in my file? From there on which is thtee weeks from today. 

So I did what I had to. " Sometimes you have to do it yourself '' after I had hired two credit repair companies to help me out. One of the company is call XXXX XXXX XXXX. I had them three months and nothing but wasting my money {$120.00} a month. So I cancelled that. Few months later, I hired XXXX XXXX XXXX. Last two days. I like it short. 

However, thank you very much from the big brother, which is the CFA that distributed the statement " you can sue them if they don't have correct information in you file. 

I just want them employee to do the right thing for our consumers, because of all the mess they left in my file. For the last three weeks I'm consistently on the computer and phone trying to get this fixed. Here is two items that I had in my file from EXPERIAN. 

1 ) Fraud alert that stated will stay on file for a year. The date for this fraud alert is XX/XX/XXXX. The phone number to call to wasn't mine. It was XXXX. 

2 ) I also, have a premium protection on XX/XX/XXXX. 

Both of these protections are either changed or removed. I do have documentation for these if need I will definitely send to the laws. Thanks, XXXX XXXX. PS I might get in trouble for doing all of this work ok no my job too. XX/XX/XXXX. 

I know this is happening to a lot of innecent people out there and they probably panic and would not know what to do. 

A message from XXXX, Do Not Dare To Play With The USA Laws and Regulations. XXXX
Product: Debt collection

Consumer Financial Protection Bureau Complaint # XXXX Filed : XX/XX/2019 XXXX and XXXX XXXX has used AFNI, XXXX XXXX XXXX, XXXX ( Collection Firms ) to attempt to make a collection for incorrect amount. Each time creating a decrease to my credit report. The Creditor : XXXX & Creditor Account # : XXXX XXXX Account # : XXXX.
Product: Debt collection

I was sued by Hunt & Henriques on XX/XX/2019 for {$2400.00}. They have falsely reported to the court that I made payments on a XXXX XXXX Credit card within 3 years before XX/XX/2019. I never received any proof that this debt is even valid. I was told by my lawyer that the debt hasn't had any payments made on in it in over 4 years which in California, the debt is considered 'Time Barred ' and over the Statue of Limitations to collect on. I was sued anyways despite the debt collectors knowledge of this. XXXX XXXX is the name of the attorney representing Hunt & Henriques. She has sent me very minimal information on the court case with zero proof that the case is within the Statue of  Limitations. She is just hoping to get a default judgement against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a Car dealer company and they said they would run my card one time only but then they ran it 30 times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to follow up on previous requests made by phone and mail to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) regarding the removal of outdated addresses from my credit report. Despite making contact several months ago, these addresses still appear on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no association with these addresses, and they should no longer be connected to my credit file as I do not reside at any of these locations. Any correspondence or delivery intended for me will not reach me at these addresses. 

Please update my credit report to reflect only my current address and remove these outdated addresses immediately. This issue has persisted despite my initial attempts to resolve it, and I am requesting your prompt attention to ensure my credit report is accurate. 

I expect this matter to be addressed in compliance with the Fair Credit Reporting Act ( FCRA ), and I kindly ask that you provide written confirmation once the outdated addresses have been removed. 

Thank you for your immediate attention to this matter. 

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

I'm disputing the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. The disputed information on my credit report is as follows : XXXX, Experian, XXXX, refuse to remove these inaccurate accounts, I've made numerous attempts and received mail stating Verified and Accurate How is this even possible to say your so called investigation is accurate and their aren't any account numbers to say theses accounts are accurate. This is fraudulent reporting A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. I demand that you conduct a comprehensive and impartial investigation within the time frame mandated by the FCRA, which is 30 days from the date of receipt of this dispute letter. Failure to adhere to this requirement will be regarded as a violation of federal law. 
Upon the completion of your investigation, I expect to receive a written report of the results, along with a copy of my updated credit report reflecting the necessary corrections or deletions. If your investigation reveals that any of the disputed information is inaccurate, incomplete, or unverifiable, you must take immediate action to rectify this matter in compliance with 15 USC 1681i ( 5 ). Additionally, I insist that you provide me with a written statement confirming that the inaccuracies have been corrected and that the updated credit report has been sent to all parties who have received my consumer report within the past two years. Please be advised that I am fully aware of my rights under the FCRA, and I am prepared to pursue all legal remedies available to me should you fail to comply with the law 's requirements.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe I.C. System monies, nor have I ever had an account with this company. I have sent dispute letters on XX/XX/2021 and XX/XX/2021. As of today, I have not received any documents referencing I have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an extensive background check on my XXXX County collection report and found that my debt is due to unpaid Medical services. Well I made them aware at that moment that I am recieving government aid and have been since XX/XX/1999. Well I was told that there was no medical coverage recorded. But if my medi-cal information was serquestered as I requested then there should be no bill. The Fire Department charged off my overdue ambulance service bills and that is 79 % if not more of my credit debt. I would like it reivestigated and corrected as the Fire Department and the Collections Co. said it can be done ... please. This has affected my bank accounts, credit cards, etc ...
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

My name is XXXX XXXX XXXX my mother and grandmother purchased a home with my mother in XX/XX/XXXX my mother later died without having a will which I am also an only child. It was my understanding when I talked with my attorney that there could not be any loans on this house unless I myself signed off on the loans. In XX/XX/XXXX my grandmother was told by the same company and bank XXXX that she could put a Loan on the home which I still remained to have both her name and my mothers name on the deed to this house at XXXX XXXX  XXXX XXXX XXXX, NC XXXX. My grandmothers home was paid off in full at the time of my mothers passing. I am her only heir she was never married this loan was given and my grandmother and myself was taken advantage of One was given two loans with the same year of each other which she is unaware of the second loan all together. She has paid over {$200000.00} back for a loan her daughters death paid in full for. She had setup automatic draft payments to have this money taken out of her banking account and now Im being told on the maturity month she needs to have {$32000.00} more because she made the payments late. How would payments be made late if theyre being taken out on auto draft! Im very concerned not just for her which she is retired and have really been taken advantage of from the beginning. The loan was originally through with XXXX it has been transferred several times with the same checking account information they have drafted the money every month now that this loan last payment is transferred to bay view its been told she owes interest for having late payments I spoke with them last year about this loan and it was advised the last payment would be XX/XX/XXXX of this year. Loan number XXXX. Theres a home equity on the house the same thing occurred where my grandmother was told she didnt have to ask or get my permission on getting the loans it was hers my rights and her rights were violated. Another loan is with XXXX XXXX XXXX loan number XXXX.
Product: Credit reporting or other personal consumer reports

I was paying XXXX XXXX dollars a month payments asked that it be reflected on my credit report balance was told no did not have to do that. The XXXX stopped my payments. I would call XXXX XXXX  and get told I had to speak to a special unit in the company but there was never an answer when transferred so I told complaints with you. How can a debt be a good debt if the Company refuses to let me make payments? How do they get to mess up my credit for refusing to allow me to pay on a debt? I filed a consumer law suit against XXXX or resurgent capital but got told they dont do arbitration? Please explain how this can happen and why. Why has the Federal Consumer Protection Agency allowed a Collection agency to abuse their power refuse payments, stop payments and say that company has a right to report it to a credit reporting Agency
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit card or prepaid card

On or about XXXX of 2017 we XXXX vacation trip with XXXX XXXX. XXXX XXXX is an online travel agency. They lured us under false pretenses and purchasing a vacation package only after did they charge us did they explain to us their refund policy which was no refund at all under any circumstances at any time. Also went to their website which does not have their vacation refund policy posted anywhere. Contacted my credit card company American Express, American Express is ruling in favor of them despite the fact that XXXX XXXX offered to partially credit my account. American Express has advised me to dispute this process and this charge which I have done now 13 times and they keep coming back telling me that I owe the money. I asked them if they felt that it was morally and ethically correct to be charged for something in the capacity that I was and they will not provide a clear end definitive answer. Been a customer with them for 15 years with impeccable payment history
Product: Credit reporting or other personal consumer reports

HARD INQUIRY FROME EXPERIAN BUSINESS CRED I THINK NOT MINE I DIDNT RECOGNIZE according FCRA 605B I REQUST DELETION
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Accounts Name : XXXX XXXX XXXXXXXX Account XXXX