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

Ally Financial Had Repossessed My XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX. I Had An Arbitration Clause In The Contract Which Ally Financial Breached. In Tennessee, the law related to the right to

repossess collateral under the Uniform Commercial Code ( UCC ) is governed by Article 9 of the UCC, specifically UCC 47-9-609. This section outlines the rules and procedures for a creditor to repossess collateral when a debtor defaults on a secured transaction. According to Tennessee 's UCC 47-9-609, a creditor generally has the right to repossess collateral if the debtor has defaulted on the underlying obligation. However, having a lien on the collateral is a key requirement for the creditor to exercise the right to repossess. The creditor must have a security interest in the collateral, typically established through a security agreement or another means allowed under the UCC. Therefore, in Tennessee, to repossess collateral under the UCC, the creditor must have a valid security interest or lien in the collateral as outlined in the UCC rules. It is essential for creditors to follow the proper procedures outlined in the UCC to repossess collateral lawfully and avoid potential legal challenges from debtors. In Particular,
Inclearing deposits played a crucial role in the processing of auto loan payments affecting both lenders & borrowers. My auto home from Ally Financial was {$73000.00} & Ally Financial used the OC application form submitting it to the Federal Reserve Bank requesting {$350000.00}. Within a week and a half they received a check known as an inclearings deposit any amount of {$350000.00} made payable to my name. I Was never told about this particular deposit it seems that the operating circular number 10 appendix 3 of the Federal Reserve has an irrevocable power of attorney associated with it, I believe that the irrevocable power of attorney is unconscionable as a clause in our agreement. However the corporation should have adjusted the balance and reserve the remaining portion of the deposits to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX card. I do not have a phone. can not access mobile app. could not access on internet site. Written request to fix access. NO response. Written request to identify the company of a transaction was met with fraud investigation and reissue of account. was not notified of fraud investigation suspension of account and reissue of account. I had also requested a waiver of the yearly fee and an increase in credit line. Was denied. Asked the account not to be renewed. Accepted loss of yearly fee already paid -account was in good standing. The account was closed with a credit on the account. However, the Account was closed for a fraud investigation. I was not aware/notified of closure and reissue of account. Reoccurring charges were denied. Did not activate subsequent credit card received in the mail. Received a bill in the mail about three months later statement was from reissued account with all kinds of fees and interest. Also received a letter stating the account was under investigation - this is in XX/XX/2022. However, the company is already reporting negatively, and I recall seeing something about a charge off. This is against the company 's own policy. I also recall something about alleged provisional credit after the fact. I was never billed or notified. I requested closure of the original account that was ignored- while in good standing with a credit balance. However, the company closed the account for a fraud investigation initiated on its own accord. The company is reporting to credit bureaus, I requested closure when I never activated the account it is reporting on. These correspondences are by physical mail and complaints to regulating agencies. XXXX removed the monthly credit inquiries- and continues a report for a credit account I never accepted or activated. Regardless of whatever laws the company claims to be following- I had already stated before the company initiation of fraud investigation -I did not want to continue a relationship with the company. A new account was not warranted - accepted or activated. 

Credit reporting agencies are not providing the investigation information. the company has not proven that I accepted the account and/or activated the account. The reporting company has not provided the results of the latest fraud investigation- XX/XX/2022. The reporting of this alleged new account in accordance with federal law fraud investigation actions is premature, there is no interest, fees, collection and/or charge off warrented at this time.
Product: Debt collection

I was alerted to a collections on my credit report during a credit report review on XX/XX/2018. I contacted XXXX XXXX in XXXX PA to resolve on XX/XX/2018. I have never received from them a notice via mail or phone call. I contacted the original company XXXX XXXX  XXXX XXXX XXXX in XXXX PA and noticed that i also had not received a letter from them for payment. As indicated by XXXX I have always paid my bills in full without any issue and they were unsure as well of what broke down in communications. I want to pay this bill and have never missed a bill before. XXXX  stems informaed me that regardless of payment they will not remove the inaccuracy from my credit report. XXXX XXXX XXXX XXXX XXXX said they will enforce a good will removal based on payment. XXXX XXXX will not agree to such action. I contacted XXXX XXXX twice today ( XX/XX/2018 ) and informed them i would like a through review of the item in collections and they refused to comply by saying the sent notices in the mail which i did not receive. Everyone seems to be on board with paying the bill in full and removing it from the credit report with the exception of XXXX XXXX in XXXX Pa. Addiitonally they are not willing to discuss any other information besides me paying them. Once again i have never received any letters or other coorispndace from them pertaining to this issue.
Product: Credit card

I am unable to send you any details as I am not allowed to log into my account anymore so I can not see my history, balance, etc. The account has finally been closed because PNC Bank ( originally XXXX ) turned me over to a Collection Agency. I received a collection letter today from XXXX XXXX XXXX. I am assuming it is for a PNC Bank Credit Card which was originally an XXXX Credit Card. If I had not had a balance on the card, I would not have continued on with PNC Bank because I know friends who have had very bad experiences with them. In XXXX, I went through and am still currently going through a financial hardship due to health issues and a federally declared natural disaster that required that I invest a lot of money in my home. I have tried multiple times since last year to contact PNC Bank to try to get them to close the account and set me up on an affordable payment program. They did not respond to emails or letters. I first tried to contact them by mail and email in XXXX of XXXX and again in XXXX of XXXX and a third time in XXXX of XXXX. I tried multiple times to call as well but but was unsuccessful because I could only call after hours as I have a full time job and am not allowed to take personal calls during business hours. If I take these calls at work, I can get fired and I need my job. Written communication should have been enough anyway. My letters and emails informed them of why I could not speak by phone or afford the monthly payment but again, no one would respond so I didn't know what I was supposed to do. During this whole time, PNC Bank continued to tack on late fees and other charges to the point where my monthly payment was more than my mortgage payment and the balance was doubled ( The collection agency gave me a balance of {$4300.00} which blows my mind ). I gave up honestly because I have an anxiety disorder and it was making my health issues with my XXXX even worse and I needed to concentrate on my home and the roof that I lost. I can no longer access my account online so I can't see any statements, history, what I am being charged, etc. Even if an account is closed, I feel I should be able to see my history. I never had an issue with XXXX. I have multiple credit cards and they are ALL currently being paid on time at a monthly payment I can afford because all of these creditors all agreed to work with me due to my circumstances except for PNC. They all said I qualified for a hardship program. PNC Bank was the only one that would not respond so that I could set up a payment I could afford. I feel that this is abusive predatory behavior because of my circumstances. I have disputed the balance that needs to be repaid with the collection agency because I believe it should be the balance when I reported that I needed assistance and was ignored. I'm almost relieved that I at least have someone to work with unless they try to enforce the inflated balance. I want to praise the creditors on my other cards which include XXXX XXXX XXXX XXXX XXXX  and XXXX who did not hesitate even for an instant to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( Experian, XXXX, and XXXX ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all negative errors on my credit report and the inquiries According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Debt collection

I purchased a stove from XXXX in XXXX, ma using their Why not lease it now credit purchases programs based in NH. Tel XXXX and address is XXXX XXXX XXXX XXXX XXXX, NH XXXX. After about I made 4 months of on time payments and then I had called the company thinking I would be able to make my final payment and I had contacted XXXX who is the the manager of the manager of the company stated on phone that none of my my payments counted toward the balance because it is a lease. He also admitted on the phone on a recorded call that the sales representative at XXXX mispresented the terms of the lease and he said I signed a contract. However XXXX doesn't give you a contract they provide you with a receipt that you sign in tiny print. I was told that I passed the deadline within a month to pay the stove off and I had to pay the whole balance of {$240.00} which meant all the payments I made since the lurch date back in XXXX of XXXX every 2 weeks did not count towards the purchase price. So they then explained my options was to keep leasing it or returning the stove. I feel it was. It right they were not transparent about the supposed contract as I was under impression since they don't explain they contract terms week that if you don't pay within 90 days it later turns into a lease agreement. I had no idea that they would count all the payments I made as lease payments. That's why I feel they are deceptive the way the program is treated as a credit program as I though my payments within the 90 days would have counted towards the balance. They uses very deceptive tactics and this was a very cheap syove over not worth all the money I feel I was robbed out of. They need to recompense me as I feel they were unfair business practice at least refund me monies that I applied toward the initial 90 day period. They made this way more complicated than it had to be and I have vision issues so handing someone a receipt with tiny print at a XXXX cashier is very unhelpful in this situation.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed a personal loan in the amount of {$2500.00} from Instaloan/TitleMax in XXXX of XXXX. 

I've not missed a payment and pay monthly. I've relocated from XXXX, Florida to XXXX, Maryland in XX/XX/XXXX and have continued to make payments each month. 

In XXXX of XXXX, I spoke with XXXX, the store manager at the XXXX XXXX location informing him that I would be making 2 payments that month to try and get the interest down and get closer to the principal amount. When asking him how it would work, XXXX told me that after each {$100.00} dollars, I pay, {$100.00} would go towards the principal amount. 

This was a relief due to how long I've been trying to get it paid off. Not too long ago, I received an email from Instaloan staying that there would be an interest rate increase to 36 % for borrowers who borrowed on or after XX/XX/XXXX. 

Since I borrowed before this, I figured thus wouldn't effect me. 

2 days ago when I called to find out my payment for XXXX, I was told it would be {$300.00}. This didn't sound right to me, so I asked to speak to someone else and got XXXX. XXXX told me that he didn't know who gave me that info, but it was wrong. He stated that each month the loan is refinanced and unless I pay the original loan amount at once, none of my payments would apply to the loan. I told him that this makes it difficult to pay it off and that I would like to surrender the vehicle. I'm filing this complaint because I feel transparency has not been given and I request my case to be assessed for compliance based on the guidelines which govern title loan practices with consumers. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am cosigned on a loan that my cousin has for his truck. My credit score dipped so I checked my credit report and it said that he had missed a payment in XXXX of 2024. I thought maybe he just missed a payment, but it happened again in XXXX of 2024. We took a look and it stated that both of the payments were 30 days late, however the payments were coming out of his account, the same amount that had been paid every month since he has had the vehicle. I got a mail in the letter that said the truck was going to be repoed if we did not resolve this, so we called XXXX  XXXX XXXX XXXX, who the loan is through. After explaining the situation, they said that it was because they were charging him an extra fee for not having insurance on the vehicle when he first bought it, which we fully understand. However, they said that they were not taking the money out of the account because they sent an email for us to sign in order for them to take the money out, which neither of us received, rather than taking the money out of the account that they have full access to. Furthermore, they did not make any more effort to contact us such as a phone call or mail to get the signature that they say that they needed. My credit score has dropped over XXXX points due to this communication issue, and I find that hardly fair. I attached documentation that shows the original payment amount as well as the money coming out of his account on the months that it says were late.
Product: Debt collection

I have disputed multiple times a collection account listed on my credit report that was XXXX in a bankruptcy. The collection agency NCC Business Services is still reporting that I owe a balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.
Product: Credit reporting or other personal consumer reports

My financial manager moved to a new brokerage and has taken me with him. In the process of connecting accounts, I received an email from XXXX advising the Early Warning System ( I've learned co owned by the big banks ) has denied access to my account due to a fraud flag. They provided a number to call for more information. I called the number and the IVR message states " Thank you for calling we are currently closed. Our office hours are XXXX XXXX XXXX XXXXXXXX. I have called three times between XXXX and XXXXXXXX XXXX XXXXXXXX and get the same closed message. 

My financial manager is unable to protect my interests fully without these linked accounts, and yet I can't seem to link them because the XXXX isn't functioning yet Early Warning System doesn't bother to staff their customer support channels during their committed operating hours. 

Thank you in advance for taking action and holding them accountable to being there when they commit to. These failures create too much hardship on those trying to make livings! The time and energy it takes to chase down support for failures is untenable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I have several unknown addresses and inaccurate file information thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addresses they are not correct. XXXX following addresses are not mines : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the extra name from my credit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer that has integrity. Furnishinformation about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to CRRG, inorder to make a lawful report, you must follow the Metro 2 compliance standards.
Product: Consumer Loan

Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.
Product: Credit reporting or other personal consumer reports

THE COMPANIES LISTED ON THE REPORT ARE IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 Carter-Young Inc added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Carter-Young Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

Last XX/XX/XXXX I disputed and appealed a translation that was never resolved. This went on for almost 6 months. 

I contacted Ocwen in XX/XX/XXXX about a trial payment plan modification. It was approved but the dates were untimely and I asked fo relief. 

I spoke with Ocwen in XXXX and was advised to submit a new application for assistance and I did so on XX/XX/XXXX. I was told that the foreclosure would be on hold while the Ocwen underwriting reviewed my request. I had questions about the application for assistance that were never addressed or answered. 

I spoke with a Ocwen representative in early XXXX who told me they would get underwriting to review the questions and help me resolve the matter. 

I schedule a cal for XX/XX/XXXX and instead of getting help on the application or Ocwen reviewing my XX/XX/XXXX request, Ocwen informed me that the property has a sale dat of XX/XX/XXXX. This was doen after I was told that the sale date was on hold while the application was being considered and reviewed. 

I was asked to submit the application again to Ocwen who the representative XXXX ( XXXX ) knew of on XX/XX/XXXX and XXXX ( XXXX ) said there as no " imaging '' in the Ocwen system of the application or record of a review by underwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX, the debt Collectors for Navy Federal Credit Union ( NFCU ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX visa. I made other payments via my NFCU checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed. 

I contacted NFCU several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. XXXX subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, NFCU still has me owing them $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX on my account that Im not aware of account number is # XXXX XXXX XXXX