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

Ally Financial, sold my loan to their inhouse repossession and the repossession department sent a tow truck to my driveway which is a violation of the state law of Massachusetts. Breach of Peace. The tow driver disrupted the peace late at night. The driver put my vehicle on his tow truck pulling it without a flatbed causing damage to my under XXXX XXXX XXXX XXXX. The local police department had to come and inform them of the law and they were forced to leave my vehicle in the driveway. I did not receive a notice stating Rights of Defaulting Buyer under the Massachusetts Motor Vehicle Installment Sales Act therefore I was not given the proper and legal notification. I advised Ally Financial of the incident. They refuse to allow me to resume making payments and refuse to sign the title to me. The car is sitting in my driveway damaged and undriveable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to inform them that the XXXX XXXX XXXX account should be deleted as fraudulent. The problem is as followed : I contacted XXXX  after they reported late payments to my credit report. XXXX  system operates where they are connected to the consumer 's bank account and withdraw payments every thirty ( 30 ) days. I emailed a technician back and forth telling them that there was a problem with their application. ( please see history of Emails ). They never fixed the issue. Subsequently, they charged off the account to save face for their improper business practice. 

I disputed this error. It has been removed from my XXXX and XXXX report. However, Experian refuses to comply showing deliberate intent to remain complicit in causing me financial harm. They have circumvented the law and poses as a critical partner in helping fraudulent company defraud the Government and Consumers. 

XXXX XXXX XXXX does not have the right to write this debt off as they failed to fix an issue that is widespread news. ThXXXX XXXX XXXX XXXX  have received thousands of cases pertaining to this same issue and Experian turns a blind eye to such information.
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$310.00}
Product: Vehicle loan or lease

XXXX XXXX car was repossessed Wells Fargo reported the loan as an installment loan, which is factually incorrect the true account type for this account is a credit sale agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. I requested that the account be removed from my credit file.
Product: Mortgage

There were 3 partial payments made to Freedom Mortgage for the month of XXXX. One payment of {$980.00} was made on XX/XX/23. A payment of {$770.00} was made on XX/XX/23. On XX/XX/23, I was notified by XXXX XXXX  that my payment of {$770.00} was not successful. On XX/XX/23 I made another payment for {$770.00}. I, the consumer, was not aware that Freedom Mortgage was going to attempt to process the failed payment from XX/XX/23. On XX/XX/23, Freedom Mortgage retried the payment from XX/XX/23 and it was successful. Therefore, the entire payment for XXXX has been made and processed. On XX/XX/23, Freedom Mortgage attempted to process the second payment that was made on XX/XX/23 despite already having the full payment for XXXX. I contacted Freedom Mortgage and XXXX XXXX  about the issue. Freedom Mortgage verified my full payment for the month of XXXX had been made and the XXXX payment was not necessary. XXXX states they would put a stop payment on it and the money would be released back to my account. Freedom Mortgage stated they would put in a request to have the payment refunded if the payment was successful. The representative from this conversation DID NOT notate my account with this information. I called back after this conversation and asked to speak with a supervisor to have this information notated, and she as well DID NOT notate my account. Anyways, XXXX was successfully able to stop the payment and release the money back into my account. Freedom Mortgage processed a refund despite me already receiving payment from XXXX. By time Freedom realized they did not receive the second payment because the stop payment did not reflect in their system until 5-7 business days later, they took their money back from out of my XXXX payment and therefore making my XXXX payment delinquent. Freedom Mortgage did not notify me that they had processed a refund nor did they notify me that they took it out of my XXXX payment and now it was considered delinquent. It is not my fault that it takes their system 5-7 days to reflect the " stop payment '' by my bank had occurred and they did not have to process a refund. Furthermore, it is illegal to take back this refund from my XXXX payment made for my mortgage and making me delinquent. The additional payment do not have anything to do with my XXXX mortgage payment. Freedom Mortgage did not have the right. I have asked to see where I authorized for the second attempt on payment, I have not received it. I have asked can they provided documentation showing outreach attempts about them taking this refund out of my XXXX payment, Freedom Mortgage has not. I have asked Freedom Mortgage to show me where they made me aware that my status of my XXXX payment has changed, they did not. Freedom Mortgage was only concerned about getting the {$770.00} payment back that mistakenly made than being worried about the consumer. They were only concerned about fixing their mistake and in the process damaging the consumer.
Product: Credit reporting or other personal consumer reports

Inaccuracies on my credit report, even after multiple dispute attempts. Despite my efforts, the information remains incorrect and continues to impact my credit profile negatively.

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported, violating the FCRAs requirement to remove such data after the legally allowed time frame.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have not conducted a reasonable re-investigation of the disputed accounts or provided proof of their accuracy.

FCRA Section 1681e ( b ) ( Accuracy of Information ) By continuing to report inaccurate information, the credit bureaus have failed to ensure that my credit report reflects the maximum possible accuracy. 

I request that the CFPB investigate these violations and ensure that the credit bureaus take corrective action to address these issues and bring my credit report into compliance with the FCRA.
Product: Mortgage

Dear CFPB, On XXXX/XXXX/2015 my loan to value reached XXXX %, but Ditech did not drop my PMI in fact my loan to value is less than XXXX % now, and I 'm still paying PMI. 

I read in your website it should be automatically drop when it is 78 % loan to value. 
I want Ditech to drop my PMI and pay me back all of the money that they took from me since XXXX/XXXX/2015. 
thank you XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies, XXXX, XXXX, and TransUnion. I have either been met with resistance or received no response. I believe that my requests for correction and investigation are reasonable and should be complied with. Due to them not reaching out with any actual communication, I have to submit this complaint. I've been working on this for the past year and no real response. Then XXXX ruined my credit with their glitch and has since dropped my score even further without a response or reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Stream Sage, and XXXX out of XXXX are reporting information about me to the Credit bureaus XXXX XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below, which still appears on my credit report even after your investigation I would like this item immediately reinvestigate, the inaccuracies are highly injury to my credit score. XXXX XXXX XXXX  account number XXXX in accordance with the fair credit reporting act public law 91506. Title Vl, section 611. Please provide the names and businesses address of each individual with whom you verify the information. Please send me an updated copy of my credit report after your reinvestigation.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX. i was reviewing my credit rating ( XXXX ) on XXXX XXXX.i saw the add for loans at reasonable rates. i can not remember if i applied on line or by phone. i received a loan packet 3 days later, with loan documents that were routine, asking personal info, and loan amount requested. i faxed the app to a office in indiana. they returned questions to me over about 7 days, and after i faxed the completed questions to indiana i was told by a phone call i was approved, but had to speak to a loan officer. i spoke to the loan officer, and he told me i was approved for {$3800.00} and not {$5500.00}. he also told me i would pay payments of {$170.00} per month, and the months were not discussed, and the interest would be 25 %, is what i heard, but over the phone, was not the rate! it was 35 %, of which i would find out later and would have refused! also the loan officer asked if i would do auto payments, to which i said ok. the money was deposited in my account on XX/XX/XXXX.since that date i have requested the loan papers, and later found out the interest rate at 35 %, and since then i have call one main, and spoke to many people for help. i have been told that they will not change the rate, but was told to pay off the loan to fix the issue, among many other suggestions. i did receive the loan papers after many calls to them on XX/XX/XXXX,1 1/2 months after the loan was given. i have a problem with the disclosure of the loan! they were not upfront with the info of the loan, and didnt want me to have it! because i was persistent, i finally receive the documents! i have no issue with paying back the money, but the interest is almost as much as the loan! this to me is predatory, and not fair. thank you XXXX XXXX
Product: Checking or savings account

XXXX XXXX keeps rejecting my check deposits for flimsy reasons. Last week it was because they couldnt allegedly verify my check with the issuer and this week it is an incomplete check. 

Those reasons are false as I could cash the same exact money order at another bank without any issue. In fact the deposited images didnt show any issue. 

Can the bank take notice of this poor service? Someone at the bank is not doing their job and the bank is not providing any recourse. The customer support staff just reply with scripted answers and are unhelpful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX states and reports that I owe on a business credit card. I have had numerous investigations opened through them, all of which they close with minimal investigating. I recently reported them through CFBP and it was closed with fraudulent information. They state that the account in which paid the card was a joint account which is inaccurate. I was an authorized signer on it as it belong to my ex spouse but I was still not the owner of the account or ever affiliated with XXXX XXXX XXXX XXXX. This is not my debt.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Product: Credit reporting or other personal consumer reports

I am reaching out with great concern and distress after recently discovering that I am a victim of identity theft. As a young man who is just beginning to build my life and provide for my family, I was shocked to find that someone had used my personal information to obtain a car loan in my namesomething I never authorized or knew about. This has left me in an extremely difficult position, as I am now faced with the responsibility of dealing with a debt I did not create. 

Ive always worked hard to be a responsible citizen and am currently working toward purchasing my first home for my family. However, this unforeseen circumstance has completely thrown me off course. I feel overwhelmed by the fact that I am being held responsible for something I didnt do, and I am struggling to understand how this could happen to me at a time when Im trying so hard to build a stable future.

I am aware that there are laws both in Texas and federally that protect victims of identity theft, and I need your help in ensuring I am not held accountable for these fraudulent debts. According to XXXX law ( specifically XXXX  XXXX and XXXX XXXX, XXXX XXXX ), victims of identity theft are entitled to have fraudulent accounts removed from their credit report and should not be held liable for the debt associated with those accounts. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, individuals are protected from the negative consequences of identity theft, such as being held responsible for debts incurred by fraudsters. 
I am asking for your help in ensuring that this debt is cleared from my credit report and that I am not unjustly required to pay for something I didnt authorize. These laws are in place to prevent exactly this type of situation, and I believe I should be fully protected under them. 
I have attached my Identity theft Report, please provide me with guidance on how I should proceed to resolve this issue and ensure that my credit and financial well-being are restored. Ive worked hard to get to this point in my life, and it is incredibly unfair to have to deal with the consequences of someone elses actions. Im simply trying to move forward and be the provider my family needs, but this situation has become a heavy burden that I can not carry alone. 
Thank you for your time and consideration. I look forward to your assistance in resolving this matter as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Mortgage

I am a victim of Hurricane Harvey that happened XXXX-17 in XXXX, Texas. The insurance company sent of check in the amount of approx. {$37000.00} to repair my home and the contractor estimate is approx {$53000.00}. The Carrington mortgage servies company will not release the funds to have the company start on my home. The insurance is taking care of the difference. Please advise in correcting this matter. My home is not livable and I can not continue to pay for rent and mortgage in two places. Also if I am to pay for insurance through my escrow why would the Carrington mortgage servicers company put something that I am paying for in their name and is that legal. Today is XXXXX-17 and my home is still a disaster. I have called numerous times to at least get clarity of when the funds would be dispersed for my home repairs. The staff is unpleasant and unhelpful. I am tired and frustrated with no help. Thanks in Advance XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to process a request for a credit freeze with TransUnion through either their website or telephone number.
Product: Checking or savings account

In XX/XX/2020, The First Citizens Bank publicly posted the online offer for new checking and savings account bonus of {$300.00} when the requirements are met. 

The requirements include opening both checking and savings and direct deposits. 

I live in Texas, eligible for the offer and opened accounts on XX/XX/2020, also set up direct deposits from my employer payment. Up to now, I have at least 20 direct deposits, they are all qualified direct deposits. 

Up to today I am still waiting for my bonus. 

I called the bank today and was told that I need a mail-in promo code to open the accounts. The bank is scamming the terms and making false claims on the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed a unusual account.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX ones failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the electronic funds transfer act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan from moneylion instantcash for XXXX $ and i got approved for the loan but no money never came to my XXXX account now for the past XXXXmonths moneylion tried to take money out my account it literally just happened again today and i feel like that is not fair and also feel like its a scam i know i was only asking for just XXXX $ but i really needed the help and got nothing now being told i owe and i actually get alerts everyday from XXXX stating that moneylion is trying to take XXXX $ out my account can someone please help me with this problem i still would like to receive my payment i never got
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I paid XXXX XXXX XXXX {$170.00} on Venmo, I did not receive any service, she scammed me. 

I disputed it on venmo, but it is useless, they are not refunding my money and asking me to work with the seller, well, if the seller was ready to give me a refund why will i file a dispute with Venmo Venmo has become a platform to do frauds and scams
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, OR, XXXX, XXXX XXXX XXXX XXXX, XXXX, OR, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, IL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX