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

There have been discrepancies regarding the XXXX XXXX Claim. 

I have provided a letter from the attorney representing XXXX XXXX XXXX. 

The letter provided details of the payment extension discrepancy. 

XXXX and XXXX do not have a copy of the GAP insurance policy and are unaware that Ally Financial is still responsible for the remaining balance on the vehicle. 

I am in receipt of a letter stating that 72 months was and remains the installment loan. There were no loan modifications made. 

I requested 2 payment extensions and I only received 1 temporary payment extension and a loan modification was not provided. 

The billing was caught up and the XX/XX/XXXX payment was rendered on XX/XX/XXXX. 

XXXX payment due was still within grace period when the date of loss occurred on XX/XX/2020, however XXXX payment was not paid. 

Ally Financial is responsible for the remaining balance. 

The remaining balance needs to be paid off to XXXX and XXXX who represent XXXX XXXX XXXX.
Product: Credit card

On XXXX I file a complaint against Bank of America for unblocking my access to my credit via using my Bank of America issued credit card. This was done after I spent over 2 hours on the phone with Bank of America 's customer service department on on XXXX XXXX XXXX I received an email from Bank of America informing me they will reducing my credit limit from {$5500.00} to {$3700.00}. This is an act of retaliation for me filing a complaint with the CFPB against them and a violation of my consumer rights pursuant to the Equal Credit Opportunity Act ( ECOA ). They have already violated my consumer rights under the Truth in Lending Act ( TILA ), now they are violating me under another federal law. I'm asking the CFPB to alert the proper authorities of the crimes Bank of America has committed against me. Under both TILA and ECOA, violations carry civil and criminal liabilities. They have already caused me hardship by blocking my access to me credit, now they are attempting to further diminish my ability to engage in commerce by reducing my access to my credit. 

I haven't checked my consumer report yet. However, if Bank of America has reported a late payment on my consumer report, this will be the 3rd federal law they have violated my consumer rights under. I did not make a late payment. I paid the bill on time. They are alleging I failed to make the minimum payment, which I fervently disagree. 

The CFPB was establish to prevent and stop these kinds of abuses creditors inflict on consumers. Please put an end to these abuses I'm experiencing at the hands of Bank of America. Thank you.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

on XXXX XXXX i opened service with XXXX for cell phone and internet service for {$100.00} a monthly, without contract. They Provided me equipment for home internet and a courtesy locked cellphone. 

I used their service for XXXX months, I was not satisfied with the service. I cancelled the service and XXXX their equipment. They took the modem and refused the cell phone. 
Cell phone is unusable as it is locked. 
XXXX frequently billed me {$680.00}. and has since then also falsely logged this incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT MANAGEMENT CNTRL has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report also XXXX reporting last date of activity is XX/XX/2021 and XXXX is reporting XX/XX/2021 It is a violation to re-age a collection account. This information is reporting inaccurately and does not match my records. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 
( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Bank account or service

I opened a savings account at Chase Bank on XXXX/XXXX/15 with a {$1000.00} cash deposit. This money was the security deposit for a rental property. When I asked Chase Bank why I could n't see this account on my online banking I was told they could n't find my savings account. The banker I spoke with made some phone calls and he was told that the account was closed because there was no activity on the account. However, there was no letter mailed to me advising me of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA XXXX Balance : {$6800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus ( XXXX, Equifax, and XXXX  ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXXXXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.
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 XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1300.00} Collection XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : - Charge off XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : - Late/Closed XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX opened XX/XX/XXXX Balance : {$2200.00} Collection XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$1700.00} Collection
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The 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 mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have sent several dispute and investigation letter requests along with phone calls to XXXX XXXX Transunion explaining to them that the charge off debt to XXXX XXXX XXXX is not valid. They never responded within a timely manner nor did they provide a reason for keeping this inaccurate information on my credit file.
Product: Checking or savings account

I did not receive my direct deposit from B9. My direct deposit was already processed by my employer. The company which is B9, has done nothing to resolve this matter. I have waited 2 days and still havent received my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017, {$20.00} I believe I should be able to request a credit freeze without cost, as I never asked experian, XXXX or any other company to collect and sell my financial data. I believe opting out of this service, reporting my financial data to creditors, a service I was enrolled in without consent, should not come at a cost. XXXX offers a free credit freeze so it is certainly possible. I have attempted to contact credit bureaus to express this belief without success Thank you
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding Kinum XXXX, a debt collection agency, and their practices concerning an alleged debt that they have reported on my credit report. 

Recently, I discovered that Kinum XXXX has reported a collection account on my credit report, which is troubling for several reasons. First and foremost, Kinum XXXX is not licensed to collect debts in the state of New Jersey, where I reside. This raises serious questions about the legality of their actions and the validity of the debt they are attempting to collect. 

Furthermore, I believe that Kinum  XXXX has failed to adhere to the required procedures outlined in the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have neglected to provide me with proper notification of the debt and an opportunity to dispute it, as mandated by law. As a consumer, I am entitled to certain protections under the FDCPA, including the right to receive written notice of the debt within
five days of their initial communication and the right to dispute the debt within 30 days. However, I have received no such notification from Kinum XXXX, which is a clear violation of my rights as a consumer. 

I am deeply concerned about the impact that this inaccurate and potentially unlawful reporting may have on my credit score and financial well-being. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Kinum XXXX for their failure to comply with the FDCPA and their unauthorized collection activities in New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Product: Debt collection

I received a call from Pro-collect stating I have an unpaid balance of {$12.00} that was sent to collections from XX/XX/2021 with XXXX XXXX and that I needed to pay it over the phone or via XXXX by the end of the day. They told me to go onto procollect.com to verify that account information, however the number that was given did not fit their form XXXX. 

I then called XXXX and they did not have me as a previous account holder, but did indicate they work with procollect. The only energy account I had at the time was XXXX XXXX and they are no longer in business. I have never been late on a payment and therefore I just want to verify if it is real or fraud to clear it up. 

Pro-collect phone number : XXXX
Product: Credit card

On XX/XX/year>, I was approached by XXXX men in XXXX pretending to collect donations. They took my phone and charged {$23000.00} to my Apple Card ( issued by Goldman Sachs ) without my permission. I reported the fraud, reset my card, and filed a police report. I also filed a CFPB and FTC complaint against XXXX to try to get more information for the investigation as it seems the criminals somehow used XXXX to make the fraudulent transaction. I have shared all this documentation with Goldman Sachs. 

Multiple Goldman Sachs representatives and supervisors ( on recorded calls ) told me the dispute was closed in my favor and I would receive written confirmation, but then the charge reappeared. Now theres a second dispute, and I keep getting contradictory information about whether Im liable. Ive repeatedly asked for written confirmation that I wont owe this amount and for any merchant details to share with the police, but have not received consistent answers. 
An internal rep cant explain why I got conflicting answers or why a similar Apple Card case reported in XXXX XXXX was resolved differently [ 1 ].

I also don't understand how Goldman Sachs allowed a {$23000.00} transaction to go through without flagging it for fraud. 

I simply want a final resolution confirming I am not responsible for this fraudulent charge. 



[ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ).
Product: Student loan

I submitted paperwork on XX/XX/23 to defer several parent plus loans as my son is attending graduate school. I submitted the same form again on XX/XX/23 because my account did not reflect any changes, so I feared that Ed Financial lost my information. As of XX/XX/23 my account still has not been updated and is now showing a past due amount. As of XX/XX/23 I have called and spoke with different representatives a total of 6 times. All representatives say something a bit different, last person I spoke with said my account has been updated but my portal has not. A representative I spoke with today said that the form was received on XX/XX/23 and needs 30 days to process. I am absolutely livid with this company, there is no option to speak with a supervisor to have this taken care of immediately. I fear this will go onto my credit report as a late payment. The representative I spoke with today claims I have 90 days before that would happen, but I have XXXX faith in anything Ed Financial has to say. I just want this form processed, my account updated to reflect no payment is needed on the parent plus loans for an additional 6 years *update* This morning XX/XX/23, I spoke with a representative that told me she did not see my deferment paperwork in their system at all. She sent a message for a supervisor to call me today at XXXX my time, XXXX her time. At XXXX my time I still had not received a call, I once again called customer service. The lady I spoke with told me that the supervisor would infact call me within XXXX. Once again different information than I was told earlier. When asking her about the form I sent in originally on XX/XX/23, after placing me on several holds, she claimed it was received on XX/XX/23. Once again different information. She claims a supervisor will be calling me back within XXXX days, stating that there was noone there that was available for me to talk to now. 
ED Financial is dealing with likely millions of dollars of student debt for likely thousands of students. If they can't seem to find a simple form to defer loans, who's to say they don't lose payments that people have made to their loans. ABSOLUTELY DISTURBING AND NEEDS TO BE INVESTIGATED. 
All I want is for the paperwork to be processed and my account to reflect deferment for the parent plus loans until my son is finished with grad school. SUPER SIMPLE
Product: Credit reporting or other personal consumer reports

In reviewing my credit report I noticed that I have a " collection '' account listed from XXXX XXXX XXXX. Upon reviewing this information it indicates that it was opened in XX/XX/2020, the balance is XXXX, and it indicates that the original creditor was " XXXX XXXX XXXX XXXX ''. I had previously disputed this to no avail. I had insurance the entire time I lived in WA state from XXXX. At no time did I got to a doctor where insurance was not active. I do not owe anyone for any medical bill. This is also a medical debt, per the information provided, and should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00}.
Product: Mortgage

Chase Mortgage refuses to help me with the payment I got assistant from Massachusetts state mortgage assistance for payment but Chase keep refusing to send them the document they asked for for about XXXX months now. Chase mortgage account # XXXX Address XXXX XXXX XXXX XXXX Ma XXXX Name of account holder : XXXX XXXX Last message received from https : XXXX Upon review I found we did receive a record from your mortgage company on XXXX however it was incomplete and came over in a failed status. 

Our Failed Record Team is working on getting the completed record from your mortgage company. 


Should you speak with someone at your Mortgage Company that is familiar with the loan validation ( AKA : Common Data Files or CDF ) records you can tell them the record was missing the following information : The LoanStatus ( BE ) is missing. 
These fields require correction. 

Once the corrected record is received the Eligibility Review process can continue. 
XXXX XXXX Complaints & Appeals Analyst
Product: Debt collection

As I explained to the lady on the phone this debt is not mine nor is it owed. I also call XXXX and they stated they should have been able to give me the previous debt collectors information which they did not provide to me to try and resolve the issue. They also reported it as derogatory account which has not happened to me before which just ruined my credit over an account that I do not owe! I have explained this in 2015 that this is not my debt. This is absolutely ridiculous and needs to be removed immediately. And I need resources now to take further action against this fraudulent claim that I should not have to be contesting five years later. This is absolutely ridiculous. As I've already stated in the past this debt was already paid as far as I'm aware but regardless of that fact, it is not my debt in the first place and should not reflect me or my credit that I have built up since graduating whatsoever. I am absolutely livid over the disgusting oversight of details that have been added and updated to this account over five years.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Navy Federal Credit Union ( NFCU ) regarding inaccurate and misleading credit reporting. My account was originally reported as negative in one month, but after I disputed the error with XXXX, Navy Federal altered the reporting date to a different monthwhile still maintaining the negative status. 

I believe this adjustment was done intentionally to avoid removing the negative history from my credit report. Changing the reported month does not resolve the inaccuracy ; instead, it suggests an attempt to manipulate the reporting timeline to my disadvantage. 

I have attempted to resolve this issue directly with Navy Federal, but they have not corrected the reporting to reflect accurate and fair information. This practice has harmed my credit standing and financial well-being.
Product: Money transfer, virtual currency, or money service

I have a PayPal and XXXX account. They both closed my account out, because they said there was suspicious activity. I was told by PayPal that they hold fir 120 days. Well that was at the end of XXXX. Now they tell me 180 day which will be in XXXX that they will release my funds. I have XXXX that I received from my family to make their XXXX XXXX. Well I didn't get the chance to spend the money to buy the stuff to make them. Now my XXXX is upset with me because they didn't release the money. On my XXXX account I have XXXX from my father in law to buy a tire for my truck. Now he is upset because they refuse to give me the money. I really need the money to pay my land taxes. Can you please help me out and get my money released to me. Thank you for your time, XXXX XXXX