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

Ally is willfully reporting to the credit bureaus 30 day late for XX/XX/2019 and XX/XX/2019. Ally is in breach of an extension contract signed in XX/XX/2019 and damaged my credit rating unfairly. 

On XX/XX/2019 I entered into contractual agreement with Ally to extend all past due payments for 2 months from the date of XX/XX/2019 forward. 

The Ally manager I spoke with named XXXX confirmed that this contract would bring my account current. All delinquencies within the specified date of signing the agreement would be updated to current at the credit bureaus. 

For 6 months Ally has reported inaccurate information with total disregard for the contract it signed. Please be advised the CFPB record will show this issue was recently brought to the attention of Ally. 

Ally representative XXXX displayed gross and voluntary disregard for the CURRENT issue by simply uploading documentation from a previous incident to characterize the matter as an older resolved issue.
Product: Money transfer, virtual currency, or money service

I purchased items on XX/XX/XXXX from " XXXX '' after seeing an ad for waist trainers. Upon receiving the first two items, it was clear that what was marketed on ads was completely different from the product that was sent. I contacted PayPal to create a dispute under the " buyer 's protection ''. I opened the dispute on XXXX different occasions. Each time I sent PayPal the same information including the marketed pictures and pictures of the actual physical product. I would then receive a message from PayPal asking me to allow time for the seller to respond and for PayPal to investigate. On the first dispute, I missed the e-mail that requested additional information. Every dispute or appeal I sent after that I promptly send the information requested which was pictures of the product and pictures of the actual advertisement. Each time PayPal would then wait for the seller to respond, and supposedly send me an e-mail asking for additional information. On the last XXXX occasions, I never received the e-mails for the additional information request. The only e-mail I would receive was the one stated that the dispute had been closed due to my failure to respond. The representative stated days I was sent a e-mail, chiefly the last appeal, being XX/XX/XXXX and I told her I never received an e-mail and that was a federal holiday. I also told her that I never received any return information from the seller. I told her that this was unfair because sending the items back to XXXX would be costly and the company is misrepresenting the products they are selling intentionally.
Product: Student loan

I borrowed money to pay for my XXXX XXXX  Degree and graduated in XX/XX/2009. I began paying on said loan at that time and have since. My balance still shows that I owe the same amount that I owed back in XX/XX/2009. Navient is the managing entity and always has been. Once - I was placed on payment deferment without my request or permission just because I was taking a class to advance my employment that I was paying for myself. I wish to know what my rights are and what actions I can take.
Product: Credit reporting or other personal consumer reports

I was of millions of people who infermation was was compromised in the government hack
Product: Debt collection

I was in an apartment that I lived in up until my lease agreement. I gave a 60+ day notice, even have documentation that I cut off the utilities out of my name, and lease agreement of an apartment in a whole other state. A year and a half later I received a collection on my credit saying I owe for 6 months ( XXXX ) after my lease was up. I have provided them this information ( disconnected utilities, new lease agreement. ) and tried to dispute but it was denied. Ive also had complaints throughout my lease agreement of wanting to move and do a buyout agreement. There was also an altercation with the maintenance guy in the the property management was aware of that resulted me in feeling unsafe and wanting to move out of the complex.
Product: Credit card

Hello and thank you for helping, I wanted to please connect because an agent made a mistake during the dispute process and now those charges are back I lost my card and it was charged twice at XXXX for {$900.00}. 

Discover did not alert me of this charge nor did it trigger their fraud alerts when these XXXX ( XXXX ) transactions were not only large but doubled. 

I contacted Discover and reported those charges fraudulent. 

The agent ended up highlighting every single transaction on my account history, saying that it was fraudulent. 

This resulted in everything, being a reverse the back of me, now being a responsible for more than what I owe. 

I told the agent the transactions from XXXX were fraudulent yet Im still being charged for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, My name is XXXX XXXX. I am reaching out due to the credit bureau systems disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I dont appreciate my case being dismissed due to the fact that the bureaus expect me to water down my intelligence, as an excuse to not be held liable. I have attached a written letter sent to my XXXX XXXX XXXX XXXX address stating XXXX received my initial dispute on XX/XX/XXXX. Today is XX/XX/XXXX, and these reports havent been updated as being disputed on my credit profile which is dated- systematically ( Photo attached ). I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I ask that you hold them accountable to these violations or I will pursue a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards, XXXX XXXX ( SSN CARD, ID, and Letter from XXXX attached with other evidences to prove this statement was written by ME )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have 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. 

- Account # XXXX Account Name-XXXX XXXXXXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX -Account XXXX XXXX Account Name- XXXX XXXX XXXXXXXX -Account # XXXX Account Name- XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX 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: Checking or savings account

Early morning of XX/XX/2024 I got three emails from Chime stating I had opened an account and the phone number was changed. I did not open an account. 

Later that day I called customer support to get the account closed but they stated it does not exist despite the fact I was getting emails from the ( verified by the company ) official email. I had an account number as well. Im still trying to get it closed.
Product: Mortgage

I worked with XXXX XXXX at LoanFlight lending. In XX/XX/2021 he was the loan officer who facilitated the refinance of my primary home loan, from cash-out ( XXXX ) to conventional ( XXXX ). This refinance was only for a rate-change as resulted in no cash-out or extraction of home equity, as a matter of fact I paid closing costs. 

Upon applying for HELOC ( with two different banks ), I was informed that the XX/XX/2021 mortgage was actually processed as a cash-out mortgage ( XXXX ) and not as a rate/term change ( XXXX ) per my request and expectation. As a result, I am unable to access my home equity based on Texas ' property law that allows only one XXXX loan per property. So, I can only leverage my home equity if the mortgage is refinanced at current mortgage rates of XXXX %. 

XXXX, as the representative of the mortgage company ( Loanflight ) states that I was required to specify the loan designation of " XXXX '' for them to process accordingly, otherwise it is processed as the prior loan designation ( XXXX ) - even though is technically a XXXX loan structure. As a fiduciary, Loanflight has accountability to process my loan per my request and expectation.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I was given a XXXX dollar loan from clear line loans. The annual apr for this loan is 354.21 %. .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than 15.50 per 100 of interest, and charge a maximum of 99 percent interest per year .therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which Clearline loans is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX  dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
Product: Credit reporting or other personal consumer reports

CAPITAL ONE, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. XXXX XXXX XXXX ACC # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT XXXX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE XXXX I HAVE XXXX HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. WHATS IS SO SAD ABOUT CAPITAL ONE, THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR XXXX  YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND XXXX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX To whom it may concern : Subject : Demand for Compliance with the Fair Credit Reporting Act ( FCRA ) I am writing to formally address a matter regarding my EQUIFAX credit file and the inquiries that have been made by your organization as listed above : 1. **Inquiry Details - e.g It has come to my attention that these inquiries may not have adhered to the provisions set forth under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( n ), 1681 ( b ), 1681 ( o ), and 1681s-2. As you are aware, these sections outline the responsibilities of consumer reporting agencies and the obligations of entities that request consumer reports.

Under 15 U.S.C. 1681 ( n ), I have the right to seek damages for willful noncompliance with the FCRA. Additionally, 15 U.S.C. 1681 ( b ) requires that consumer reporting agencies ensure the accuracy and integrity of the information they report. Furthermore, 15 U.S.C. 1681 ( o ) provides for damages in cases of negligent noncompliance.

I request that you provide the following information : 1. The purpose of each inquiry made on my credit report.

2. The specific consent or authorization you obtained prior to making these inquiries.

3. Any documentation related to your compliance with the FCRA regarding my credit file.

Please respond to this letter within 15 days from the date of receipt, as required by the FCRA. Failure to comply with this request may result in further action to protect my rights under federal law. 

Thank you for your immediate attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card with XXXX  Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Student loan

Hi, Navient will not stop harassing me. This is the voicemail I received from their company.. 
The number is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection agency is reporting false information. Portfolio recovery associates. I have disputed multiple times. I hereby request that they report correct information including date of original delinquency with original creditor, provide documentation confirming amount reported. This agency is using inaccurate and unfair reporting methods and have very questionable tactics in general. I will be contacting an attorney very soon if they can not provide me documentation confirming information reported.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX I applied for a HELOC in the amount of {$80000.00} and was approved. In XXXX I requested an increase to {$180000.00} and was again approved based upon an appraised value of {$500000.00} on my home. Instead of increasing the LOC, they created a new LOC as requested, they created a separate LOC in a XXXX subordinate position, so I now had XXXX HELOCs. There was already a 1st mortgage in place of {$300000.00} with another bank. When the recession hit in XXXX, my home dropped in value to {$320000.00} and has not fully recovered. In the past 4 years I have tried to get a modification on XXXX Lines, went through intensive documentation requirements and was turned down without recourse each time, most recently this summer. Even my " Customer Relationship Manager '', XXXX XXXX, said I should be able to get this modification because " these types of loans are terrible. No one can afford to pay them down when they increase your payments by 3Xs. '' I am currently making about 25 % more income than I did when I was granted the loan, but the original loans were not based upon my ability to pay both principal AND interest, only interest. The first LOC went to term last year and the payments increased from $ XXXX/month to $ XXXX/month. Two months ago, the 2nd LOC went to term and the payments increase from $ XXXX/month to $ XXXX/month. The bank has not worked in good faith to try and remedy this situation which has developed on a loan that should not have been granted in the first place. I can not refinance due to the lack of equity. I owe slightly more than the value of the house. Selling presents a similar problem. From their website, they claim, " The goal of a home equity loan modification is to help you with a financial hardship. Depending on your current financial situation, you may qualify for a modification of your term, interest rate or monthly payments, or a combination of XXXX or more of these loan provisions. You may be eligible for Bank of America Home Equity Assistance if : Your home equity account has been open for at least XXXX months You have n't received home equity assistance once in the past 12 months, or twice in the past five years You 're experiencing a financial hardship, such as reduced income or divorce If you 're not eligible, you may still have options. You may qualify for other forms of home equity assistance, including : Repayment plans of up to 12 months to help you catch up on past due payments Payment extensions of XXXX to three months '' None of this has proven to be true. Please help. 



You 're able to repay the loan
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Experian Deleted my XXXX card account from my file because I disputed the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXX.Had a {$0.00} balance. Only used this card couple times a year. XXXX  late fee {$11.00} + {$1.00} interest charge. Balance {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately XXXX XXXX emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around