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

Ally Auto Financial is reporting a 30 late payment history on credit report with all 3 bureaus. It  has reported previously XX/XX/2019 then changed to XX/XX/2019. In addition to that, they have listed incorrect payment dates. I have attempted to resolve by both phone and mail with the company. I spoke with a customer service reps between XX/XX/XXXX-XX/XX/XXXX and was informed that they could only " go back 3 months, they would submit the review request but would be unable to verify anything being it had been over 3 months since it had been reported ''. They then sent a letter saying upon their " investigation '' it was correct but then coindentally there was a change on my credit reports of the 30 day late payment from XX/XX/2019 to XX/XX/2019. I have been trying to resolve the matter and get my credit report corrected for this account but this company refuses to do so. I submitted in writing as well and provided documentation to them of payment confirmations of original payment date.
Product: Mortgage

Essex Mortgage granted a modification, I agreed to the terms calculated by their underwriting team to pay a current amount, that amount went up from the agreed amount, then 3 months later they then turn around and hiked up the mortgage amount again. Now the mortgage is outside any agreement that was made during the loan modification, in addition they did not calculate my escrow payments correctly from the time I purchased the home till now. They also refuse to owner removing all feature payments starting XXXX XXXX, from their database I had set up, in return they have caused me so many NSF 's they refuse to pay. I have the email back in XXXX I sent on the XXXX stating they would stop feature payments but never did.
Product: Debt collection

XXXX XXXX attempted to collect a debt that I allegedly owe. In doing that, XXXX XXXX violated several of my federal rights as a consumer. They have diminished my character and affected my ability to obtain credit as well as violating my privacy pursuant to 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), and 15 USC 1681a ( 4 ).
Product: Money transfer, virtual currency, or money service

I attempted to transfer my XXXX XXXX from my cashapp account where my identity has been verified on numerous occasions and in fact still shows as verified but my multiple attempts have been blocked by cashapp. They are refusing to allow me to sell or transfer my XXXX balance since XX/XX/year>, stating I again need to verify my identity although my account clearly shows verified. I once again uploaded my ID, selfie with ID, and picture of my linked debit card as they requested the same day, and they are still refusing to give me access to my cryptocurrency with no valid explanation other than I need to wait up to 10 days for them to respond. I have contacted them through chat and over the phone repeatedly only to be disconnected or hung up on each time as they refuse to answer any of my questions. I have auto pays set up to this account which are declining, and need to access my XXXX to pay for other miscellaneous bills etc. It is causing me undue financial harm. My last request to them was to sell my XXXX and transfer my balance to my linked account to which I have received no response. All they say is they need to complete additional verification as to which I have previously done on numerous occasions and still my account show that my identity is verified, yet they will not let me access my cryptocurrency.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had misplaced all of my information during Hurricane Sandy and I was XXXX  for 3 years. last year I had Covid 19 and I was in a XXXX  and XXXX   for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. 

I have a child who has started college  last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2014 Balance : {$0.00} Terms : High Balance : {$5000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : ACCOUNT TRANSFERRED OR SOLD CHARGED OFF ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

I have 4 collections items from Alpine Credit Collection Agency on my credit report. These accounts originated at XXXX XXXX XXXX in XXXX, CO. I provided my XXXX information at the time of service. Somehow the information wasn't transferred to XXXX XXXX for my x-rays. XXXX XXXX never sent me a bill and I first received a bill from Alpine Credit. I have called Alpine Credit and disputed this account. I have also called XXXX XXXX and given my XXXX information and was told my account would be removed from collections. I called both companies in early XXXX. However, these collections accounts are still on my credit report today XXXX XXXX and has taken a significant toll on my credit report. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries from my credit report since I have never authorized them. XXXX had removed these already but TransUnion is still reporting these items.
Product: Checking or savings account

im unable to open an account. I NEVER SIGNUP FOR ANY ACCOUNTS IN MY NAME EXPECT XXXX. ALL OF THOSE ACCOUNTS ARE FRAUD. CAN YOU HELP ME PLEASE GET AN ACCOUNT
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I send {$720.00} to my extended family member name " XXXX XXXX '' in XXXX. The money was never received by him and the recipients bank is not able to see any information related to that transfer. The transaction reference number ( XXXX and XXXX ) provided by Remitly has no record on the recipients Bank and they are unable to check any details for the funds. Upon checking we realized that the XXXX last digits were wrongfully entered. Understanding the error I reached out to Remitly to rectify the situation and track the funds on multiple occasions but they are not providing any details of where the money was transferred and not modifying or refunding the amount. Please keep that in notes that prior to processing any funds I provided the Name, adress, XXXX  account and all details has to match in order to process funds. XXXX  number is use to locate the national bank ID, account number in case of error the money should be returned.
Product: Credit reporting

I received my credit report on XXXX on XXXX/XXXX/2016 and items was removed than added back on without a 5 day notice. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX. Also, I asked them to send me information on how they did their investigation and a person name but never received and answer its have been over 60 days.
Product: Mortgage

I was directed to fax a waviers letter on the late charges to the correspondence inquiries dept. Put their to me to talk with them. I ask that their put and listens to all calls from XX/XX/XXXX and XX/XX/XXXX was told if I pay {$2200.00} that XXXX later charges would be taken of my Seterus Account each was {$26.00} my Seterus Account would be even this was okay by the supervisor but only {$78.00} was taken off my account. I only owe {$26000.00} on my loan. Seterus is trying to take my home. In XX/XX/XXXX I find out Seterus dropped my flood insurance XXXX XXXX I had over 20 years and added their own flood insurance for almost three times over XXXX price. I nor XXXX was never notify on the renewal their paid XXXX in XX/XX/XXXX why not in XX/XX/XXXX. Now I must pay for a flood elevations certified to go back to high point XXXX insurance which cost over {$600.00}. Now XXXX/XXXX/XXXX I 'm being told I have to pay the extra which was never discussed with me.
Product: Credit reporting or other personal consumer reports

On my Capital One Quicksilver card, I recently balanced transferred part of my balance to another bank and on Capital One 's online portal it's showing this transfer went through on XXXX and my account has been showing the correct balance since. Additionally, the correct balance amount and utilization is showing on my XXXX and XXXX credit reports ; however, my XXXX credit report is still showing my previous balance amount prior to the transfers and is affecting my overall utilization on that card as a result ( see attachment ; this is occurring on both XXXX and XXXX ). 

I've already filed a dispute with XXXX, and have also spoken to Capital One over the phone about this, but they were not able to tell me why XXXX and XXXX have been updated while XXXX has not. I didn't file a dispute yet with Capital One either because they only accept dispute letters through the mail sent to a po box and was hoping this might be a quicker route. 

Ultimately, I would like help to get my XXXX report updated to match my current account balance, and not still show my previous balance and utilization. For reference, my current account balance is {$2800.00} and should be a utilization of 24 %, but is currently showing on XXXX as {$9600.00} at 80 % utilization per the attachment provided.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a collection account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX Account Number:XXXX Date of Collection : XX/XX/2023 Amount : {$1.00} I have previously disputed the accuracy of this collectiom account with Equifax and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account collection my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law. Sincerely,
Product: Credit reporting or other personal consumer reports

A matter of significant concern related to the Fair Credit Reporting Act ( FCRA ) and its implications on my federally protected consumer rights. 

Pursuant to 15 U.S.C. 1681, I assert that my rights to privacy and confidentiality have been infringed upon by the inclusion of inaccurate information in my credit report. Specifically, the account identified as # XXXX is a clear violation of these rights. 

In accordance with 15 U.S.C. 1681, Section 602A underscores my entitlement to privacy. Additionally, Section 604A, Section 2 of 15 U.S.C. 1681 explicitly prohibits a consumer reporting agency from furnishing an account without my written instructions.

Moreover, Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ) explicitly states that no consume r reporting agency is permitted to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate. 
Upon a thorough examination of my Equifax, XXXX and XXXX credit report, I have identified several accounts that are either not associated with me or are reporting inaccurate information. I have taken the necessary steps to report these discrepancies to the Better Business Bureau. Of particular concern is the account, names and inquires listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I am hereby requesting your immediate attention to rectify these inaccuracies in compliance with the FCRA. Your cooperation in this matter is crucial to ensuring the accuracy and integrity of my credit report.

I have attached supporting documentation for your review and reference. I anticipate a prompt resolution to this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting

I called Bank of America because I was interested in a balance transfer offer they had. The problem was, I needed my credit line increased by {$3500.00}. When I was connected to the rep, I explained to her what I was interested in and what I needed to make it happen. I then told her that if getting my credit line increased involved a hard inquiry, then I would not be interested. She just went along and asked to update my financial information. I then reiterated that she better not run my credit. She explained that she was not a credit analyst and she had no access to my credit. I said O.K, but if I find out there was a hard inquiry, Im going to call back and fight to have it removed. She then put me on hold. Upon getting back on the phone, she explained that she spoke to her manager and they said the same thing, they 're not credit analysts, so they dont know how they will effect my credit. Then she said " good news is you were approved for your increase ''. So I got my increase with the understanding that my credit report would n't be effected. I even told the rep that she did n't explain that she would be pulling my report, so it would n't be legal to do so. After completeing my transfers, I hung up and checked credit karma, and there she was, a hard inquiry from Bank of America. I need this gone!!
Product: Checking or savings account

On XX/XX/XXXX, I received a push notification in my banking app ( USAA Federal Savings Bank ) about a PIN change request for the debit card on XXXX of my checking accounts. I was instructed to contact the bank immediately if I did not request a PIN change. I did not request a PIN change so I contacted the bank immediately. 

I contacted the bank and told them emphatically that I had not requested a PIN change. While on the phone with the bank, I noticed XXXX unauthorized debit card transactions on this account. A POS debit for {$110.00}, an ATM withdrawal for {$400.00}, and an ATM withdrawal for {$100.00}. I notified the bank that these XXXX transactions were not authorized. 

I asked for the debit card on this account to be deactivated. I also asked not to have a replacement debit card issued for this account because I never use the debit card for this account. 

I was told a fraud investigation would begin on these transactions. Later that day ( XX/XX/XXXX ), the bank issued a temporary credit for all three transactions, in the amount of {$610.00}. 

On XX/XX/XXXX, and XX/XX/XXXX, I received correspondence from the bank that all three transactions were found to be authorized and that the temporary credits would be removed from the account on XX/XX/XXXX and XX/XX/XXXX. 

I called the bank on XX/XX/XXXX and asked to speak with someone from the department that investigated the fraud so that they could explain to me how these unauthorized transactions were determined to be authorized. I was not allowed to speak to anyone other than customer service representatives. 

I requested the information or documents that the bank used to make the determination that these transactions were authorized during this call ( on XX/XX/XXXX ). I have yet to receive that information or any documents. 

I did not authorize the PIN change request, so if a new PIN was created fraudulently, that is a failure of the bank. The bank 's job is to safeguard access to my assets and they failed. The bottom line is that this was unauthorized activity ( theft ) and the bank failed at preventing it. They are not acknowledging their failure and protecting their customer.
Product: Debt or credit management

XXXX XXXX XXXX  or a subcontracted version of it using an intimidating sense thing are getting done until I seen a year 's worth of statements, and I had given them XXXX and still have over XXXX in Debt. Global Holdings LLC has withheld all of my funds and were not distributed to my creditors While Soley claiming it is XXXX XXXX XXXX are the ones negotiating the contract.
Product: Bank account or service

US BANK CALLED TO TELL ME THAT THERE WAS SUSPICIOUS ACTIVITY IN MY AC & THAT THEY CLOSED MY AC.THEN THEY WROTE TO ME SAYING THAT MY BALANCE WOULD BE TRANSFERRED WITHIN XXXX BUSINESS DAYS.THAT NEVER HAPPENED & NOW WHEN I CALLED US BANK THEY GAVE ME A NUMBER, THAT NUMBER GAVE ME ANOTHER NUMBER & SO ON & SO ON. I CHECKED ONLINE & SEE THAT TYPE OF ACTIVITY IS REGULAR WITH US BANK. I NEED TO CHECK MY OPTIONS OF RECOVERING THE {$300.00} ODD DOLLARS I HAD IN MY AC, I ALSO NEED TO EXAMINE MY OPTIONS OF RECOVERY FROM THEM.
Product: Student loan

Issue 1 : I am currently enrolled in an income-driven plan that was handled in XXXX XXXX under Navient. After having another loan recently come due in XXXX XXXX I completed the necessary paperwork to add in the loan all while still continuing to pay XXXX separate loan payments. It was n't until I called this morning that I was told the loan is not eligible to be added in because I missed the 180 day deadline. My option was to complete an entirely new income-driven plan to include all of the loans once again. 

Issue 2 : It was to my understanding that the last loan was not supposed to come due until XXXX XXXX. However after logging on to my account in XXXX XXXX the loan was prompting for a payment due. This is what prompted me to complete the additional paperwork to add in that last loan to my already existing income-driven plan. After just getting off the phone with a representative she made mention hat my loan was not due until XXXX XXXX. When I made the remark that I was paying the loan because my account reflected it being due along with past due notices she acknowledged the account did say that but could n't deliver a response as to why. She placed me on a brief hold and I was told a " research investigation '' has been issued to explain why this loan was prompting me for a payment when it is not due until XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint. TD Bank sent a letter after my initial complaint saying they would correct the error. That has not happened. In fact their team says the current information on my credit report is accurate. Below is my initial complaint. 

In XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. Nordictrack failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with Nordictrack. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.