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

Ally is continously refusing to send me my payoff documents, my lease payoff amount and my payment history.. 

It has been close to 5 months and this is the 5th complaint ( possibly the 6th ) I have filed in a week on Ally. 

They sent the same woman to call me twice, and she just hangs up on me when I tell her to stop calling me and send me my documents. 

I am awaiting signing a retainer with an attorney to file a legal suit against ALLY for refusing to send me these documents and engaging in fraud and decpetive business practices. 

I have read hundreds of online complaints about ALLY doing this to thousands of consumers. This is their actual business model, to extort money fraudulently from consumers for no reason at all, when the consumer is TRYING TO PURCHASE THE CAR AND GET AWAY FROM ALLY This is costing me {$500.00} a month in garage fees, {$300.00} a month in car insurance and {$580.00} a month in the lease payment for a total of {$1400.00} OUT OF POCKET EVERY SINGLE MONTH THAT I DO NOT LEGALLY HAVE TO PAY IF ALLY FOLLOWED THE LAW. 

{$1400.00} x 7 ( total ) months that ALLY has been refusing to send me documents = {$9800.00} so far in unnecessary payments out of my pocket, countless hours lost of wages at {$1200.00} a day trying to force this corporation to abide by the laws. They refuse. The losses and damages in this case will be in excess of {$100000.00} at this point due to how severely Ally has harmed me, my corporation, and impacted my ability to survive.
Product: Debt collection

After several phone calls and emails, I found that I was lied to by a staff member that told me to make a higher offer to settle my account. When I spoke with the manager, I was told that they do not accept pay offs and the only reduction I would see would be a couple hundred of dollars off the interest. I was told I needed to make a {$1000.00} deposit and then have payments of over $ 350/mo to pay off the balance. I am ( like most of their clients ) not able to pay {$350.00} a month after putting down such a huge deposit. I want to reasonable payments of $ 100-150/mo. This company does not respond to any emails, though they direct you to send emails to make offers and this company does not even accept offers for pay off, in other words, they run you around wasting your time whilst adding more interest every day. 

I sent this letter to XXXX : I am enclosing a payment of {$200.00} toward the balance on my account. I was informed ( incorrectly ) that you accept payoff offers, and made and offer of {$1800.00} ( the highest I can go is {$2200.00} as this balance will be moved to a credit card ) and that offer was declined XX/XX/2018. 

I will sending a copy of this letter to XXXX to let them know that I am attempting to resolve this issue by either making a payoff or setting up reasonable payments ( $ 100-150/mo ) in the attempts to settle this issue. I have also opened a case with XXXX since I believe that I was seriously mislead by one of the employees, and this can be confirmed by listening to the recording of the conversation. 
My intent is to settle this account, as my debt counselor advised me that having this account in collections is negatively effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$5700.00}, {$9100.00}, {$11000.00}, {$14000.00}, {$13000.00}, {$10000.00}, {$6000.00}, {$14000.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and  the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Experian, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items that I have diligently identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Product: Mortgage

I am a XXXX XXXX  whose home was destroyed in Hurricane Ian & my XXXX  is a XXXX. 14 days after the hurricane, our mortgage was bought out or transferred to M & T Bank. Ever since then, we have had nothing but issues with this mortgage company. Every time you call their loss draft dept, you get a different answer. Some of their agents are not trained right. 
It's been almost a year since hurricane Ian & we have completed extensive repairs to our home so we can move back in. Our home is approx 90 % done right now, however M & T Bank claims it's only 50 % done ( per their inspector ). Because of their inspectors report, they will not release any more insurance money to us. However, their inspectors have only done " remote '' inspections & have never been to our home. 
Last week I requested an in-person inspection be done and M & T bank cancelled my inspection request. Now they claim they need another " scope of work '' from my insurance co XXXX XXXX XXXX XXXX XXXX ) which went out of business in the state of FL. So now I have forced placed insurance thru M & T Bank but their agents don't seem to know that. One customer service agent tried calling my old insurance company, even after I told her I had forced placed insurance thru M & T Bank. 

M & T Bank seems to make every excuse so they can keep the insurance money as long as they can. I'm sure they " make money '' off of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I was in the middle of purchasing a home but COVID-19 delayed that process and the housing industry has been negatively impacted. In order to improve my chances at home ownership, I have been working with both a credit repair agency and all three credit reporting agencies to delete late items off my credit report as my creditors all stated that I have been paying my debts off as agreed and all of my accounts are in good standing. As of today, XXXX and XXXX has deleted the negative/derogatory remarks off my account except for Experian. It is a known fact that Experian makes money off leaving negative items on your credit report and all I am asking for is fairness so that I can fix my old financial situation so that I can buy the home of my dreams. I have been paying off my credit issues for the past 2 years and now I am in a great position to buy a home. My old credit score was a XXXX but due to hard work I was able to get it up to a XXXX as it currently stands. All I am asking for is for Experian to delete the 11 negative accounts that my creditors have all agreed to do. I have attached 4 documentations to show that the accounts are in good standing and that leaving these negative remarks is making it incredible hard to overcome the past 4 years of financial hardship. Thanks for reading my complaint and I look forward to a speed resoluton
Product: Debt collection

We signed up with XXXX XXXX XXXX XX/XX/XXXX and had an automatic draft to pay for services. We never signed a contract for any length of time with XXXX or XXXX XXXX to provide security monitoring for our home. As a security monitoring service, we understood that the agreement was month-to-month, and that all we would need to do to cancel the service was to contact XXXX and cancel the service. I am a member of the military and received orders to move XX/XX/XXXX. As there were many distractions with the move, it was n't until XXXX XXXX that I called to cancel services. I was told that I would have to cancel with the Home Owners Association, which sounded odd. When I called the Home Owners Association, I was told they had no part of our security monitoring system. I called XXXX back ; they again told me to call the Home Owners Association. I told them I did that and that was n't the case, so they reluctantly said they would cancel service. The following month, XX/XX/XXXX, a payment was drafted, and I called again to figure out why. The representative said to cancel with the home owners association and I told her of the previous exchange. After some coordination on her part, she assured me that service was terminated and that we did not owe anything on our account. She said the account was closed and there was no outstanding balance. Following this conversation, there were no more bank drafts. Then we received a letter from XXXX XXXX on XX/XX/XXXX saying we owed {$260.00}. We called XXXX XXXX between the XX/XX/XXXX-XX/XX/XXXX, and spoke with XXXX XXXX. He looked up our account but it did n't report an outstanding balance, so he told us to disregard that letter because it was probably a mistake. Then on XX/XX/XXXX we received a letter from Valentine & Kebartas for a debt collection in the amount of {$300.00} related to XXXX XXXX. I wrote a letter disputing the debt. We received another letter on XX/XX/XXXX from Valentine & Kabartas notifying us that they are " confirming our payment arrangement '' in the amount of {$300.00}. Within this letter they provided a person to contact, XXXX XXXX, with any questions. I called twice on XX/XX/XXXX and was assured she would call back if I left a message, and still have n't received a call back.
Product: Credit reporting or other personal consumer reports

Equifax did a XXXX report update on my account as of XX/XX/XXXX and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 

I have a two credit cards by the same company in which they are reporting wrong balance on both cards. 

They are showing a XXXX XXXX account ending in XXXX with a balance of {$3.00}. And they account was paid in full as of XX/XX/XXXX They are showing a Destiny Card account ending in XXXX with a balance of {$36.00} and this account was paid off on XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I received three emails from Synchrony Bank, alerting me that deposits had been made to an Amazon Creditbuilder account in my name. While I do have an Amazon Prime account, I do not have an Amazon Creditbuilder account, which is a secured credit card. This account is fraudulent, as I have never applied for one, either. 

I have spent five hours trying to get in touch with someone at Synchrony Bank to report this potentially fraudulent activity, but their electronic chat feature will not load and each of the four telephone numbers I have attempted to reach has said that they are unable to process my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : hard enquiries not mine 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 FCRA Violation : collections is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three bureaus Transunion, XXXX, XXXX have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully XXXX in XXXX by the XXXXXXXX XXXX  Court Of MICHIGAN U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.
Product: Credit card or prepaid card

Claimant, XXXX XXXX, requested a new New York XXXX XXXX Debit Card from Bank of America and the scheduled delivery dated to XXXX XXXX 's XXXX. Box XXXX, XXXX, New York XXXX is XXXX thru XXXX day of XX/XX/XXXX via United States Postal Service. As of XXXX day of XX/XX/XXXX, XXXX XXXX have yet to receive new New York State XXXX XXXX  Debit Card via United States Postal Service from Bank of America. XXXX XXXX 's previous New York State XXXX XXXX Debit Card [ XXXX ] was good thru- ( XX/XX/XXXX ). Therefore, XXXX XXXX had to request another New York State XXXX XXXX Debit Card. XXXX XXXX is requesting an investigation. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!
Product: Credit reporting or other personal consumer reports

Could you please erase these inquiries? I don't know anything about them, and the company proceeded without my approval.
Product: Debt collection

Utilizing auto dialers and harassing phone calls. This company is breaking several laws and need to be held accountable.
Product: Vehicle loan or lease

My car loan payment is XXXX XXXXXXXX. I scheduled three payments on their website. Payments for XX/XX/2023, XX/XX/XXXX and XX/XX/XXXX. The bank took all three payments at once on XX/XX/XXXX. I have called the bank three times to ask them to return the XXXX and XXXX payments. They requested a screenshot of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I sent them that information. A week later, I called again and they said they did not receive that information ( although it was in my email as sent ). So, I sent it again. I still have not received a refund of the overpayment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX XXXX  PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery you keep sending letters stating no response you can not finish investigation But you state to the CRA 's that you validated the alleged account strange omission to guilt right. making false statements on credit reports, { fraud } in fact it's stated on your letter head. you also refuse any legal documents to come forward to support your claim the reason this is being report to the CFPB is for evidence that there has been response to you every time by return fax .there 's nothing for you but dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, Never gave the following Consumer Reporting Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor TransUnion LLC, the written instructions to furnish the information for Inquiries in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s2 ( 6 ) ( A ) ( B ) A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The Credit Reporting Agencies shall be fined {$100000.00} ( Per Violation ) for non-compliance under the Gramm-Leach-Bliley Act if you fail to comply and remove the items mentioned above.
Product: Credit reporting

In XX/XX/2016, I checked my Equifax credit report. I noticed an old medical bill that my insurance had supposedly taken care of. The bill was from XXXX. Upon attempting to dispute the bill with them, I found that they were completely unresponsive, and unhelpful.
Product: Credit card or prepaid card

I have a reloadable Visa Debit Card.

It was cancelled by Credit Card Company for supposed fraud.

They then tried to charge me a {$6.00} fee for a replacement card when I did not ask for the card to be cancelled!

They also tell me a new card will take 7-10days to arrive when I again did not ask for my card to be cancelled!

This is not the first time I have had issues with this card and this bank and I feel their procedures are unethical.

Please look into it. 
Card is issued by XXXX, XXXX. but disputes and such are handled by BlackHawk Networks.