23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased a XX/XX/2013 XXXX through Ally. At the end of the lease we returned this vehicle in excellent shape ... over XXXX miles below what the contract allowed for. I inspected the windshild myself and it showed where a pebble slightly grazed off the windshield but it did not have a GLASS - XXXX '' issue as Ally 's XXXX party inspector stated. It took the inspector several weeks to go and inspect the car and the condition of the windshield may have changed by the time ( sitting in direct sun or other incidents not under my control XXXX the inspection took place. This is not my fault ... the windshield was ok ( no XXXX '' crack as Ally is stating XXXX when the vehicle was returned. Even the experienced salesman ( XXXX ) that took in the vehicle at the dealership made no note on this. He said they may " ding '' me on the tires if anything. I 'm willing to settle for {$250.00}. Ally wants to charge me {$500.00} which is completely unfair considering the vehicle was returned in excellent shape and XXXX miles under the contract allowable mileage. I have called and spoke to them at least 8 times including a supervisor who was completely unwilling to compromise. Now I 've gotten a letter from Ally with " Notice of intent to report negative credit informaiton ''. I work hard to maintain my excellent credit rating and made all my payment to Ally months before they were due ... I always paid ahead! You would think they would try and work with me for future potential customer business. 

XXXX XXXX, XXXX, TX XXXX XXXX Ally account # XXXX XX/XX/2013 XXXX ATS VIN XXXX
Product: Checking or savings account

I recently learned of some transactions that occurred during XXXX and XXXX on my checking account with US Bank that I did not take part in. There were purchases at XXXX XXXX and XXXX, neither of which I actually visit nor shop at personally. I did not notice these transactions until early XXXX for a few reasons : 1 ) Notifications via text for any purchase always seem to get disabled by US Bank and are never reliable. Every time I turn on text alerts they somehow turn off in a week or two.

2 ) I did not regularly check my account balance as I had a second job during the holiday season and wasn't considering the fact that I may have trouble with low funds or unauthorized purchases 3 ) I made a large number of purchases during this time for XXXX and didn't notice these whenever I did take the time to quickly peruse the US Bank app I filed a fraud complaint with my bank and they made no effort to contact me ; it was only after calling in after 15 days ( when I was told I would have provisional credit within 10 ), that I was told it was closed and the only details were 'invalid facts ' because debit cards with chip readers can not be counterfeited, and these were PIN-based transactions, or similar wording. I received nothing in the mail or no communication otherwise. 

I did not make these purchases, however, the person most likely responsible is the one and only person who had actual physical access and use of my card, which was my partner at the time. We lived together, shared expenses, shared bank and credit cards with each other when the other needed help, etc. We trusted each other obviously because we had been in a relationship for several years. This is the only person who could have done this, and while I believe she had to have, I am also not willing to ruin this person 's life by providing her name and contact information because despite no longer being together for unrelated reasons, I don't want to bring this kind of situation down on someone I spent part of my life with, even though she has to be the responsible party. 

I have been with US Bank for ~16 years and they have always been helpful with any and all of my issues until now, but it only takes this one situation to make me want to leave unfortunately.

It's ~ {$300.00} that added up over 7 purchases between XXXX and end of the year. Details below. 

XX/XX/XXXX - XXXX XXXX - {$34.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$110.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$55.00} XX/XX/XXXX - XXXX XXXX  - {$18.00} XX/XX/XXXX - XXXX XXXX  XXXX {$40.00} XX/XX/XXXX - XXXX XXXX XXXX {$69.00} XX/XX/XXXX - XXXX XXXX  - {$4.00}
Product: Credit reporting or other personal consumer reports

Other consumer reporting agencies deleted this information from my report as it is unverifiable. How did transunion verify it
Product: Debt collection

I own a XXXX credit card. XXXX is backed by XXXX XXXX. Since XXXX they have been stealing my payments under the impression of them being late. Clearly it is an error on their part. All my payments have been early and above the minimum required payment. They refuse to make the corrections and credit my account. I made one attempt in XXXX to pay this fictitious lateness. It didnt matter each following month they continued their thievery. Now theyre offering a new deal. Pay another late fee and the card will be clear. Forgive me for not believing them. No mention of the previous stolen deposits was offered. Theyve admitted the error but never the proper solution.
Product: Debt collection

XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything. 

I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake. 

I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily. 

I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a XXXX XXXX account multiple times due to inaccurate reporting. I sent disputes via mail starting in 2020, disputing the account due to inaccurate reporting. Currently the status is reporting " Paid '' and " Derogatory '' between the credit bureaus. There are also other discrepancies reporting on my credit that are not correct and are inconsistent between the 3 credit bureaus. If I dispute and they come back " Accurate '' every time, then how are all 3 bureaus reporting differently? This is not FCRA reporting standards and is a violation.
Product: Payday loan, title loan, or personal loan

I received an email from Propser that they pulled my XXXX XXXX  and XXXX score yet I never applied for a loan.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. SANTANDER CONSUMER XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Mortgage

I was working on securing a mortgage loan with Chase Bank online. I had started this process in XXXX in the downtown XXXX XXXX branch as I use to live there. 
I was informed on XXXX of XXXX that the guideline requires that my wife should have a 6 months of continued employment and documented previous experience. 
Since she had just returned to work on XX/XX/XXXX that we had to wait until XX/XX/XXXX to be considered. 
We waited until then. When I made an offer for another house, I started working with a remote office in Ohio which I was directed to by calling there toll free # online. My contact was XXXX XXXX- Lending Adviser NMLS ID XXXX. 
I explained to him the situation and that we had to wait for six months.

He contacted me after the six months wait time was up. He advised me that it is prudent to complete the application process and get approval prior to making another offer. I agreed and stated this process. 
I told him that its hard to find the right property while waiting to be approved. He said I can always make an offer while this process is completed. 
I found property on XX/XX/XXXX when a new listing was posted. 
I went to see the house and made an offer. The offer was accepted and I paid {$4000.00} Deposit Escrow to close in 30 days. 
I sent the purchase agreement to XXXX by e-mail only to receive an automatic reply that he is out of town for a week! fearing that I will be losing more than a week. I called and asked to get help from someone else. I was directed to another loan adviser her name is XXXX XXXX who was very helpful in following up helping upload more of the required documents. She charged me {$500.00} service fee?. 
When XXXX came back to work he called me and asked that I work with him. I uploaded more documents including an explanation of why my wife was out of work for 18 months. She had to immigrate to the US and we got married, had a baby She had to stay home to take care of. 
On XX/XX/XXXX he called and said Chase could not accept my wife 's income in consideration for this loan because she was working overseas prior to working here in the US. 
This was verbal and I asked to talk to someone else. I left messages for his supervisor and so far have not heard or gotten any written notification of rejecting my loan. 
I only have 12 days left Chase never followed up. 
I don ; 't know what to do. 
I will contact other lenders but my time is limited and I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. XXXX/XXXX  {$1100.00} DISCOVER FINANCIAL SERVICES {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance
Product: Credit reporting or other personal consumer reports

NONE OF THESE INQUIRIES ARE MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THESE ACCOUNTS ARE MINE XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX
Product: Mortgage

I am writing to formally file a complaint against Flagstar Bank/XXXX  XXXX XXXX regarding their refusal to provide essential documentation and accounting related to my mortgage loan. Despite my repeated efforts to obtain these documents, Flagstar BankXXXX XXXX XXXX has failed to fulfill my lawful requests for information. 

Complaint Details : Securitization Documentation : On XX/XX/XXXX, and XX/XX/XXXX, I submitted formal requests to Flagstar BankXXXX XXXX XXXX , asking for documentation and accounting of my mortgage loan, specifically concerning its securitization within a Real Estate Mortgage Investment Conduit ( XXXX ). 

Inadequate Response from Flagstar BankXXXX XXXX XXXX : Flagstar BankXXXX XXXX XXXX responded by stating that they are " unable to honor the request for the pooling and servicing agreement and a comprehensive audit of the securitization because it is considered overbroad or unduly burdensome to provide. '' Despite my multiple requests, I have not been provided with any documentation that would clarify the ownership structure, status, or servicing details of my mortgage loan. 

This lack of transparency and unwillingness to provide requested documents raises concerns about Flagstar BankXXXX XXXX XXXX XXXX compliance with federal regulations regarding mortgage loan disclosure and servicing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Debt collection

this debt was paid in full but is still being reported as a collection and a late payment
Product: Credit reporting or other personal consumer reports

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark.
Product: Credit reporting or other personal consumer reports

This is my follow up request regarding the items that needs to be reinvestigated or deleted in my file. Here are the list of items that needs attention in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX Balance Owed : {$42000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. I sent letters on XX/XX/23 and XX/XX/23 certified mail and the inaccurate information is still on my consumer file/credit report and nothing was done.
Product: Debt collection

I received a bill from XXXX XXXX XXXX XXXX in XXXX for {$50.00} for service on XX/XX/XXXX. I looked at my XXXX XXXX XXXX and it stated I owed {$8.00} which I paid at the time of the visit. I called the billing department at XXXX and a representative told me I owed the money. I explained I was looking at the XXXX XXXX XXXX. She said she didn't care, and to send the copy of the XXXX. I sent the copy and received another bill for {$50.00}. My debt was turned over to Continental Credit Control, a collection agency. I called XXXXXXXX XXXX and the representative spoke with XXXX billing to tell them that the {$50.00} was not owed. The representative from XXXX billing told XXXX XXXX that they would recall the debt and it would take 45 days. I do not have names or dates for this part as I was told by Continental Credit on XX/XX/XXXX that there was no debt. On XX/XX/XXXX I received an email from Continental Credit saying I owed {$50.00}. XXXX cents for penalty. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX billing and asked her why the debt had been re-issued. She told me the debt was cancelled on XX/XX/XXXX at XXXXXXXX XXXX and then re-issued at XXXX XXXX. the same day. XXXX said she would reach out to my insurance company XXXX XXXX to try and resolve the problem. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX who reached out to XXXX XXXX billing. According to XXXX at XXXX there is no debt in collections per the billing department. Reference # XXXX. On XX/XX/XXXX I called XXXX XXXX to confirm the debt had been removed and spoke with XXXX. XXXX told me I still owed the debt and transferred me to XXXX. XXXX told me there was a charge back. I asked her to explain and she mumbled something. When I told her I could not understand what she said, I asked for a supervisor. XXXX told me there was no one else I could speak with. I hung up. We are currently at an impass. I contacted Continental Credit to dispute the amount and gave them a copy of the XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 section 602 A States I have a 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 permission
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

The inquiries in question are not mine, and I am not affiliated with the creditors listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX 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 XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

With XXXX I have issued a letter of receipt for Credence acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. XXXX confirmation # XXXX & credence # XXXX
Product: Checking or savings account

I have a XXXX XXXX checking account with First Horizon Bank ending in XXXX. I want to transfer some money out of this account. But facing all sort of issues. 
XXXX XXXX is not working. When i called on XXXX XXXX XXXX was told that it will start working after 5 days. 
ACH transfers- not any luck out here. First horizon don't let ACH transfer to XXXX XXXX. When i try to do with XXXX XXXX  - trial debit and credit is taking more than 3 days. 

Sent message for the same and I was asked to contact XXXX. Even after talking to them same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and continuing to try to remedy the effects. There is a fraudulent account from XXXX in the amount of {$1000.00} reporting on my credit. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX WY XXXX, CA XXXX XXXX XXXX AV A XXXX, CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX