23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I totaled my car last XXXX. Ally told me that I would be covered by gap insurance. My insurance company paid the bill and I should have been good. Fast forward 3 months my credit score decreased from XXXX, due to Ally Auto continuously destroying my credit by 36 pts at a time. Ive been trying to fix this issue since XXXX, I can login, no one at Ally can/will help me. According to them i do not exist in their systems and each time I call Im either transferred to different departments for HOURS ( I have several witness to this ), or hung up, or told they can not transfer me until I give them all this valuable information. I am refused a manager each time. Only once I was able to get ahold of a supervisor after going through Ally Bank ( different building ), the man refused to be referred to by anything other than M3. He claimed an investigation would be completed to have this checked out and I would need to wait 60 days for an answer. I never received an answer, an email, a call nothing. And each time I attempted to call I was told that person did not exist. I just want to pay my bill. The only reason I know it exists is via credit karma. I am not able to dispute any of these scores ( Ive tried ). Recently several days ago, Ally demanded my number over messenger and then sent me an email off a personal address trying to give me money. They refuses to allow this to go farther. Yesterday I filed a complaint to the XXXX  and today I received a call- but an incomplete number was left ( last 4 digits are static ). I do plan to take this to court if this continues.
Product: Debt collection

On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by I.C. Systems Collection by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, I.C. Systems Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Product: Mortgage

my PMI was not automatically canceled once the ratio reached 78 %. 
i am currently at 74 %, 4 % past the supposedly automatic PMI Termination level. 
I requested the 4 % over payment be either refunded or applied to my mortgage principal and was told no by the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.
Product: Mortgage

On XX/XX/2020 I contacted XXXX to apply for refinancing both my first and second mortgage. The home appraisal was not enough to cover both the first and second mortgage, so it was suggested that I apply for money-out refinancing on the first mortgage only. The applications were electronically submitted and {$20000.00} money-out for the first mortgage refinance was estimated on closing. 
The 21st Mortgage Company is the servicer of the second mortgage. It refused to resubordinate the second mortgage unless the entire second mortgage is fully paid off. The VeteransFirst.com can not proceed to this unreasonable demand. 21st Mortgage held XXXX the processing and completion of the refinancing by it's unreasonable demand to be fully paid, prior to allowing the first mortgage refinancing to be closed. This caused a lengthy delay, we are now counting one hundred and forty days and still waiting for the 21st Mortgage to provide the necessary papers to close. The terms/conditions it wants are capricious and untenable because there is not enough money to fully pay the second mortgage.
Product: Debt collection

Account info Account name DIVERSIFIED ADJUSTMENT XXXX XXXX XXXX XXXX XXXX Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. XXXX XXXX past due as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is fraudulent I never sign any contract wit this lender they never reach with me
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

An agency states I owe {$1600.00} for an apartment lease I paid off without incident. No communication was given to me by the apartment complex at any point. XX/XX/XXXX I sent a letter to National Credit System requesting proof of the amounts owed and also followed up with a phone call to confirm the agency received and understood what I needed to pay the debt. 30 days went by and I was never given any proof of the said amounts owed. I have been lied to and believe this is a fraudulent attempt to collect revenue. I sent a correspondence and followed up with a phone call XX/XX/XXXX and was basically told they would not provide me with any proof of said amount due. 
Please help.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed there. I dont understand how this could have happened. Ive been checking my report routinely, and nothing like this has ever occurred before. I even tried refreshing the page, hoping it was just an error or a glitch, but it wasnt. The inaccurate accounts didnt disappear. Im begging for a thorough review of the documents Ive sent because I cant keep living with this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.
Product: Prepaid card

Bank of America edd prepaid card un expectedly frozen my account back in XXXX, for about 1 year later on I then find out it was due to linking my card to cash app. So since that I've made numerous attempts and calls to them providing all information requested by them. Accuratly. Over and over I am told to physically go to a branch with id. Well a number of times not only myself but also my finance stressed the fact that due to a life threatening incedent I'm unable to do such due to physical and mental challenges I now am facing. I have offered to send over my identification documents. They are not willing to work with me. Not once have I been notified by edd if any identity issues. I still have funds in my account that I desperately need access to. So where do I go from here.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX XXXX - {$5000.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Vehicle loan or lease

Skopos Financial is reporting inaccurate and old information to my credit report. This account was not authorized by me. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.
Product: Checking or savings account

They accused me on my credit report ( XXXX ) for an account other than my old account at an old city, they said on the report suspected fraud activity, since XX/XX/XXXX and i didn't know about it tell i closed all my accounts with them this year. I'm trying to solve the issue before i sue them for all what happen to my credit history with no contact at all. while I have an accounts with them since XX/XX/XXXX. The damage caused to be declined by my company credit union and declined for a mortgage, unfortunately, some XXXX reports do'not appear in my normal credit report, tell have been told by a loan officer
Product: Money transfer, virtual currency, or money service

Paypal was Permanently limited my Account, it said that " You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement '' but I used my Account on right way, I'm not violating their policy, I'm using it since 2020 to have transactions with my client from other country.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general 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. '' Wells Fargo Dealer SVC, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, Wells Fargo Dealer SVC whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to XXXX and TransUnion to remove some items off of my Credit Report. They have not provided Verifiable Proof ( an original consumer contact with my signature on it ). While some items have been removed not all, even though XXXX  has removed the rest of the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my Shellpoint Mortgage in XXXX. They still do not report it as paid on all three of my credit reports.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit
history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a TJX rewards credit card for several years. I closed the account I had a certificate balance which was revoked In violation of their disclosure. It is published and understood that points earned toward certificates would be lost but I was told that I would retain my certificates. The value is about {$220.00}. I have tried to resolve this with the company to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Checking or savings account

Citibank closed my account just one week after I opened it. I requested that they return my {$2600.00} deposit from my checking account. Since XX/XX/year>, I have called them every month, till today it has been 6 monthes, but Citibank has not returned any of my hard earned money back to me.
Product: Payday loan, title loan, or personal loan

on XX/XX/2022 I called best Egg and asked them to stop ach payments withdrawals and they said OK but to also write a letter which I did the same day. The ach payments did not stop. I had to file XXXX  XXXX bankruptcy in XX/XX/XXXX XXXX the ach withdrawals did not stop. they continued to take payments. I called again and they said they would stop as they were notified by the court. they withdrawals continued and the bankruptcy couldn't close since they now owed me money Ithe Trustee was to give to creditors. the Court gave them a reprimand on XXXX and again in XXXX XXXX to this day they try to auto withdrawal payments which I now keep the account empty and told XXXX XXXX XXXXXXXX to deny the payments which are adding to fees. so far they owe me approximately {$2000.00} in ach withdrawals after I took away my permission and street the bankruptcy and the day they don't know how to fix the issue. until then the bankruptcy can not be completed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal loan at XXXX XXXX XXXX XXXXXX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in a few fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I've attached documents with the accounts in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from th XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft.