23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collection agency is not licensed or registered in my state to collect a debt from me. They have been calling me non stop since 2019. They are trying to collect {$2300.00} from me for XXXX XXXX XXXX I tried to pay they just want I owed and they forced me to close my account and added in all these fees. They call me and try to negotiate and try to out the amount low so I can pay.
Product: Debt collection

I attempted to resolved the dispute with Midland credit management to verify the full account details. XXXX  XXXX account was paid in full by XXXX XXXX XXXX XXXX XXXX and should not be reporting as a collection it appeared on my account and is hurting my accounts please ask company to remove all tradeline. 
Supporting documentation has been added of history of emails and settlement information from the payee family first fcu of sent checks to XXXX  XXXX fcu the account was now sold to Midland credit management and they have not been notified of paid in full account ending in XXXX.
Product: Vehicle loan or lease

Subject : Formal Complaint Against Ally Financial Regarding Unlawful Repossession Dear CFPB I hope this message finds you well. I am writing to formally file a complaint against Ally Financial concerning the unlawful repossession of my vehicle and the distressing circumstances surrounding it. 

As a single mother, I have always made every effort to meet my financial obligations and communicate effectively with my creditors. Unfortunately, my recent experience with Ally Financial has left me in a very difficult position. 

Prior to my hospitalization, I reached out to Ally to discuss the possibility of deferring my payment until I was able to return to work. I had no way of knowing that my hospital stay would be extended, which ultimately led to my inability to make a timely payment. 

On the day I was released from the hospital, my vehicle was repossessed from my driveway while I was inside for just a few minutes to retrieve money to settle my debt. This repossession occurred despite my immediate attempts to rectify the situation by contacting Ally Financial. It took three days for them to inform me of the location of my vehicle, during which time I was left without transportation and under considerable stress. They also required me to fill out a form for the repossession, as the vehicle is registered under my business name, further complicating matters. 

Ally Financials actions during this time were not only unprofessional but also appear to violate my rights as a consumer. I feel that the repossession was conducted without proper notice or consideration of my circumstances, particularly given my medical situation. 

I am attaching a recording of my interactions with Ally Financial for your review, as well as any relevant documentation that supports my case. I believe that their practices in this matter warrant further investigation and potential legal action. 

I appreciate your assistance in addressing this matter and look forward to your prompt response. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep trying to delete information that is not mine on my Experian credit report. I sent the requests off via mail a few times but it keeps getting ignored. I do not live in the State of Arkansas. I live in the State of Missouri and my address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I want the following addresses deleted from Experian : XXXX XXXX XXXX XXXX XXXX, AR XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. Please delete these addresses from my credit report and send me an updated copy of my credit report after deletion.
Product: Vehicle loan or lease

Was offered a refinance offer by Open Road Lending in regards to my XXXX XXXX motorcycle loan on XX/XX/year>. After contacting them to finalize the refinance they notified me they do not offer refinancing on motorcycles. This offer was sent to me in regards to my motorcycle which was made very clear in the pre approved offer I was sent. I now have a hard inquiry on my credit that they can not fix nor did they offer to attempt to fix this issue or even assist with pointing me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many letters do I have to send to the Credit Bureaus for them to finally take action and correct the information that the disputed account reports on my Credit Report? I have been disputing the accuracy and validity of the information these accounts report on my Credit File with by sending dispute letters to them hoping that the Credit Bureaus would turn their heads and comply with my requests. The last letter I sent to the Credit Bureuas was dated XX/XX/XXXX and I have not received anything from them which is considerable as a response. I am willing to pursue legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. I am submitting this complaint to protect my rights. I need the following accounts be correcred from my Credit File in order to report accurate only information ; 1. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Balance {$170.00} Date opened XX/XX/XXXX 3. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PURSUANT TO SECTION 605B, YOU MUST REMOVE THIS FRAUDULENT ACCOUNT. THE FRAUDULENT ACCOUNT IS XXXX XXXX XX/XX/year>, ACCT XXXX. PLEASE REMOVE THIS FRAUDULENT ACCOUNT PURSUANT TO 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax twice and went through a long validation process to unfreeze my account. I also enrolled in XXXX XXXX that shows my account is still frozen. I am not able to apply for credit when it's still frozen against my wishes. This 2nd time I called equifax, I told them to unfreeze my account until XX/XX/2018 and it has not even been unfrozen. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Re : Complaint for Resolution of Inaccurate Account Reporting by XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccurate and misleading account listed on my credit report with the credit bureau. The account in question is associated with XXXX XXXX XXXX XXXX and has been reported as " Closed '' and " Charged-off. '' My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Status : Closed Type : Auto Responsibility : Joint Account Remarks : Charged off account Last Payment Date : XX/XX/XXXX Current Payment Status : Charge-off Worst Payment Status : Charge-off Balance : {$32000.00} Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History : Youve made 100 % of payments for this account on time. 

I have thoroughly reviewed my credit report, and I believe that there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) in the reporting of this account : XXXX. Lack of Clarity on Account Status : The account is listed as " Closed, '' which may mislead creditors and lenders regarding the current status of the account. As a responsible consumer, I am concerned that this inaccurate reporting may negatively impact my creditworthiness. 

XXXX. Unsubstantiated Charge-off Status : The account is reported as " Charged-off, '' indicating that the creditor has written off the debt as uncollectible. However, this information does not provide any details on the date of the charge-off or the circumstances leading to this status. The FCRA requires accurate and complete information to be reported, and the absence of crucial details raises questions about the veracity of the reported status. 

XXXX. Insufficient Payment History Details : The payment history section does not provide a detailed breakdown of payments made on this account. As a result, I am unable to ascertain whether the payment information is accurately reflected on my credit report. 

Given the seriousness of these discrepancies, I hereby request the Consumer Financial Protection Bureau to investigate and facilitate the rectification of the inaccurate reporting by XXXX XXXX XXXX XXXX. I believe that the discrepancies listed above warrant immediate action under the FCRA to ensure the fairness and accuracy of the information provided to potential creditors and lenders. 

I appreciate your prompt attention to this matter and request that you keep me informed of any actions taken in response to this complaint. 

Thank you for your dedication to protecting consumers ' rights and ensuring fair credit reporting practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get approved for the HAMP Modific ation. Wells Fargo sai d that I did not send in the paperwork by the deadline of  XXXX . I have proof that it was faxed and received by them on  XXXX . They also changed the Home Preserv ation Specialist  from  XXXX   XXXX  to  XXXX   XXXX  in  XXXX ,  XXXX .   They requested more documentation and I sent it on  XXXX , and I also clarified some information on the phone a few days later.   On  XXXX   XXXX ,  XXXX , I received a letter stating that they  denied the HAMP Modification, b ut approved me for long term assistance of 40 years at 6 % with a monthly payment of {$1300.00}, or 30 years at 6 % with a monthly payment of {$1400.00}. They did not lower the interest at all, even though the interest rate is in the low 3 % range now.   I have NOT agreed to either of these options. I am still paying my regular monthly payment. I have approximately 17 years left on my mortgage, why would I want to pay for another  30 o r 40 years?   On  XXXX   XXXX ,  XXXX , I sent in  an Appeal Request  with more information. On  XXXX   XXXX ,  XXXX , they sent a letter stating that they denied my appeal.   I have fax ed my Divorce Decree to Wells Fargo two  times, yet, even though I have requested several times that my ex-wife 's name and email address be removed from all all my letters and documents, they are still on them. I do n't t hink that they should be sending my ex-wife correspondence concerning my Hamp Modification and Appeal Request.    On  XXXX   XXXX ,  XXXX , during a phone call to pay my monthly payment, I asked why I was denied th e Appeal request. I was told by another Home Preservation Specialist, that my documentation was too late to be reviewed because the HAMP deadline was in    XXXX ,  XXXX . If it was too late, why did they request more documentation in  XXXX  and  XXXX ? The Government websi te about the HAMP Modification states tha t the deadline was  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a phone call to Transunion at XXXX, and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new Transunion report, and there are still XXXX addresses on the report that are not current, mailable addresses, and should have been removed. 

On XX/XX/XXXX, I made a phone call to XXXX at XXXX and stated that I wanted them to remove all addresses that were unmailable/not current. They stated that all addresses were removed ( with the exception of the current address ). They stated they were handling it right then in real time, and it would be resolved immediately. As of today, XX/XX/XXXX, I pulled a new XXXX report, and there is still XXXX address on the report that is not a current, mailable address, and should have been removed. 

Violations of 15 USC and Privacy Act of 1974.
Product: Credit card or prepaid card

A number of fraudulent charges were made on my credit card between the dates of XX/XX/XXXX and XX/XX/XXXX. All were credited back with days save for one for XXXX XXXX for {$95.00} on XX/XX/XXXX. I've made repeated calls from then through today ( XX/XX/XXXX ) without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 while at XXXX, I was told I could save {$50.00} on my purchase by applying for credit car. So I did. A few minutes later, I was told I was declined. I didn't think much about it because I know my credit is good. But yesterday I received a letter from XXXX XXXX, Creditor dated XX/XX/18 that I was denied by Experian because I am " deceased ''. I attempted to call Experian this morning and speak with someone which is impossible. Then I attempted to contact them on-line and they are requesting that I send them numerous documents to prove I'm alive. 
My question is : Why shouldn't Experian be required to provide documents to me proving I am dead?!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited my {$17000.00} IRS tax refund check into my Chase Bank account. Chase cashed the check and accepted the funds but has refused to release my money despite full verification of my identity. 

I have provided Chase with all required verification documents, including : SSA-89 and SSA-2458 forms verifying my Social Security Number.

Direct confirmation from the IRS that the check is valid and was issued to me. 
Tax documentation proving I am the rightful recipient. 

On XX/XX/XXXX, Chases Fraud Department ( Agent XXXX ) confirmed to me that : Chase will never release my funds under any circumstances. 
Chase has no timeline to turn over my funds to Michigan Unclaimed Property.

Chase stated that I will not get my money back. 

This is a serious violation of multiple federal banking laws and escheatment laws. Chase can not legally hold consumer funds indefinitely without returning them to the rightful owner or turning them over to the state. 

Chase is violating the following laws : Conversion of Funds ( MCL XXXX & Federal Banking Precedent ) Chase wrongfully possesses funds that do not belong to them. 

Breach of Contract ( UCC 4-401 ) Chase cashed my check but failed to make funds available.

Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) Chase has held my deposit beyond the legal limit.

CFPB Consumer Protection Laws ( 12 U.S.C. 5531 UDAAP Rules ) Chases actions constitute unfair and deceptive banking practices.

Truth in Savings Act ( 12 U.S.C. 4301-4313 ) Chase failed to provide written notice of why my funds are being held indefinitely.

Failure to Follow Escheatment Laws ( Michigan & Federal ) Chase refuses to turn over my unclaimed funds to the Michigan Treasury, despite confirming they do not intend to return them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Hard inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Inquired on XX/XX/XXXX These accounts have 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
Product: Credit reporting or other personal consumer reports

Im making a statement I received a notification my equifax credit score has dropped XXXX due to an update on my XXXX XXXX account which shouldnt be in dispute I have not disputed my account with XXXX XXXX this is my actual bank account. This was done in error by equifax I repeat I have not dispute any accounts with XXXXXXXX XXXX. This account is in good standing why would I dispute it this was done in error by Equifax which is a violation of my consumer rights. I would like for this dispute to be closed, notify XXXXXXXX XXXX right away this was done in error this has affected me XXXX XXXX emotionally and mentally.
Product: Mortgage

I put my home for sale XX/XX/XXXX ... dropped the price multiple times with no buyers. In XXXX of XXXX we started the short sale process with Ditech, with a qualified buyer. Since then it has been an endless cycle of submit paperwork ( tax returns, paystubs, any revenue streams, hardship letter, etc. ), they hold it for so long ( about two weeks ) and then they want more recent info. I submit the updated info over and over, then they ask for something else but it is always the same results, like this is some sort of game. 

In XX/XX/XXXX, they claimed I asked for a modification ( not a short sale ), but that I was denied. I NEVER asked for that (? ), my taxes went from $ XXXX to $ XXXX in XXXX years and I knew that I couldn't afford to reside there anymore. They then admitted it had been a mistake in their system, so we began the paperwork merry go round again. 

My real estate agent suggested a lawyer may help speed the process, because by now several months had gone by again, so I hired one in XXXX. Same thing, they asked for a current P & L statement, and other information, which was already provided to them several times prior. So once again, I provided all info in a timely fashion. 

Summary : They ( Ditech ) have all the information regarding my P & Ls, from XX/XX/XXXX through XX/XX/XXXX, held it for two weeks, and now demand a quarterly statement of XX/XX/XXXX through XX/XX/XXXX. ( There is definitely a pattern here as you can see ) So another delay and change up tactic by Ditech, since they already have the pertinent information that they have requested. 

I have yet to be formally notified of the sheriff 's sale, I only know because my lawyer told me. Aren't they required to notify me by certified mail? According to my lawyer, they refuse to stop the sheriff 's sale while they consider the short sale, even though this has been held up by them since its inception in XX/XX/XXXX (? ) My Ditech account number is # XXXX. All correspondences on our end have been done via email by my realtor and or my attorney. I can take the time and get copies of those email chains if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through all this and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : 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 can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. It is clear that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on or around XXXXXXXX XXXX XXXXXXXX my car was broken into or some had accessed my XXXX XXXXXXXX XXXX XXXX that was parked near XXXX XXXX XXXX XXXX XXXX OH XXXX. I return to my vehicle around XXXXXXXX XXXX XXXXXXXX and found my things were ransacked and tossed around the inside of my car. My ID and SS Cards for myself and my children were stolen, so I would like to request a PIN number for my credit report and file. While I was going over my report I saw that there are some errors in my addresses and names that are incorrect. Please remove the following addresses they are not XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX GA,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX  XXXX XXXX XXXX GA,XXXX Please delete remove the following names they are not correct : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

The following Items are inaccurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,