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

in XXXX this year I attempted to start a new payment plan with Ally financial in regards to my vehicle loan I informed him clearly that I just started an appointment and I was waiting to be paid and I didn't know the estimated time but knew that there may be a long wait process. They agree to except XXXX gor the month of XXXX down and another XXXX to start the new agreement. less than a month later in XXXX they re-put my car by the deceptive practices I had to pay another {$2000.00} to get my vehicle out which would've caught me up for the month of XXXX because that would've been based on plan a out of been completely caught up. so I called and asked him for help and I want up forking out {$2800.00} so now this takes us into by the time I get my check I called him to try to settle up which is XXXX XXXX months after the initial application for unemployment benefits. Never disputing that I owe the money I told him I'm arranging to pay I wanted to know which payment plan on one they had to do their own internal investigation because they couldn't tell me which payment plan I'm on but they gladly locked me out the system so I can not access my financial records and see where my monthly payments were at nor where my current payments were being disbursed. they wanted me just to take their word for and run to XXXX now mind you to pay which is not the normal way to pay so because of all the fraud that's going on of course I'm investigating this myself they come out and repo it a second time and tell me I owe the remainder of the amount which is {$10000.00}. They stated that I didn't send the initial application back from XXXX yeah I never got any paperwork I never got any paperwork from them until they already repeat repeat my car I have a whole bunch of Ally paperwork now flooding through my door. their workers were deceptive and they even charged my mom 's credit card additional in XXXX which means they were calling her and harassing her for the money yet when I call them nobody knows or can answer my questions. I did report them to the Attorney General I contacted the FTC and the XXXX XXXX XXXX XXXX  or something and now I'm looking into a lawyer because I'm technically on welfare right now .I signed up for XXXX to try to increase my credit score however due to these days at the practices my vehicle was sold at auction and there's now harassing me I get phone calls every day told me I owe that money because they sold my vehicle and I told him they're gon na wait till I talk to a lawyer. and I'm a XXXX so by this time I can't even get to work and my kids I've been walking them to or from school. He calls me emotional suffering and find a more financial burden because looking for a job and obviously changes how I can work
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : XXXX XXXX XXXX XXXX ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX XXXX XXXX XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX, XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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

I am unable to place an extended fraud alert over the mail and I am unable to change my DOB through any methods avail by Equifax, regardless of the documentation I have.
Product: Mortgage

I started the pre-approval process with XXXX XXXX at Allen Tate in XXXX XXXX, SC nearly 2 months ago. I submitted paperwork he requested. He then said he needed more paperwork. I submitted the paperworkwork again. He then asked for more paperwork, which seemed to be redundant. Today, he said he left a VM saying he would no longer be working with me, basically dropping me after submitting all this information. He directed me to the underwriter, who I have called twice with no response. Starting all over will mean my credit score will be lower causing an increase in rate, also I am not sure about his experience as he said he was mistaken about documentation for different loan. Overall, I feel ' hung out to dry ' by my experience and do n't know how to resolve this.
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and I have some inaccurate information reporting. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed these accounts because it is fraudulent and I have filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on these accounts. Who did you interview to come to this conclusion that this was my account? This is a violation and I am asking that these accounts XXXX delete ASAP from my consumer report or I will file a lawsuit. 

I was apart of XXXX XXXX 15USC 1681C-3. I am already going through a tough time and I have to deal with this type of stuff. I am trying to get y life together and these things are holding me back.
Product: Credit reporting

I have disputed several times with Equifax Credit Union regarding University XXXX Louisiana of XXXX showing a balance of XXXX as this account has been discharged as of XXXX/XXXX/16. I have submitted this same issue to the CFPB a week ago and received a response that the this creditor was updated to show that they were included in the bankruptcy. Since the last CFPB Complaint was completed, my credit report has changed several times, ive spoken to countless reps and supervisors at equifax who have assured me that this account is showing closed and no balance. This is not true i am still showing to have this account as installment account listed on my credit, as well as showing a balance and collection activity. I have been hung up on by equifax reps as well as lied to from their supervisors, i have attached the conversation between myself and the sup on XXXX/XXXX/16 as well as the 1st corrected credit report that was showing correct, as well as reports for XXXX/XXXX/16, and now XXXX/XXXX/16.
Product: Checking or savings account

On Monday XX/XX/XXXX, I went into the XXXX XXXX XXXX branch XXXX XXXX XXXX to open a checking and savings account and take advantage of their offer that I saw in the XXXX advertising mailer. I have a copy of it-it is attached below. XXXX XXXX helped me and was very nice. 
The offer said that if you open a new checking account with Direct Deposit for your payroll you can qualify for {$300.00} if the balance reaches {$1000.00} within 60 days. Also, they were offering an additional {$400.00} if you opened a savings account with deposits reaching {$15000.00} within 45 days and maintained for 90 days. 
Both sets of criteria were met by me within the time limit. I did not receive the bonuses. 
I went into the branch again on XX/XX/XXXX and spoke with XXXX XXXX XXXX. He asked to see the voucher. He looked at it, then looked at my accounts and verified I had successfully fulfilled the requirements for the bonuses. He said Oh this happened before.. its an easy quick fixthe other guy XXXX XXXX , didnt register your new accounts with the promotional code correctly so it got skippedwe just need to notify a supervisor and you will have it in a few days. On that day I left happy it was handled. Minutes after leaving the branch, I even received a call on my cell phone from a number I did not recognize and it was XXXX XXXXVP-Financial Manager apologizing profusely and thanking me for my patience and it will get handled quickly-he will make sure. He lied. Because he did not make sure. 
Fast forward 2 weekson XX/XX/XXXX I stopped in again to see what the holdup was. This time I sat down with a very rude and dismissive XXXX XXXX. He wanted to argue with me, rush me out-NOT provide solutions. He finally did speak with the most recent guy XXXX XXXX XXXX and asked him what was going on. Then he came back in to where I was sitting and he said an email was sent to a nameless Regional Mgr. and she needs to approve it because of the high amount. I said OK thats fine, but where was MY email and communication? I then got excited and said that they took my {$15000.00} very quickly-THAT needed no approval, but now that you owe ME-it needs approval?! I asked for him to type something up saying what happened on what day and he did-I have a copy.- it is attached below. 
It has now been ANOTHER 6 weeks and no movement on their part has taken place. No communication and no deposits into my accounts. 
I felt I had no other recourse than to alert your office that this seems to be a bait and switch operation by an institution that is backed by the FDIC. We entered into a contract and I have upheld my end of it. But they have not. They accepted my {$15000.00} plus and have used that money to make money for themselves, but they refuse to pay me what they owe me for fulfilling my end. 
I just wanted the {$700.00} that was owed to me. Now-it just doesn't seem like enough. 
Please let me know what my next step is to resolve this. I may be reached by email : XXXX. 

Respectfully Submitted, XXXX XXXX XXXX
Product: Mortgage

I fit every category of Wells Fargo unethical practices set forth in the CFPB 's fine on the XXXX XXXX dollar fine on XX/XX/2022 levied on Wells Fargo and documented that the funds would go to a Civil Penalty fund to provide relief for victims. This does not appear to be happening. A third party arbitration was promised to review the case. Many months later and again this has yet to take place. The most recent direct remediation offer from Wells Fargo was well below the harm inflicted. Where is the promised third Party? Where is the Civil Penalty Fund going?
Product: Checking or savings account

I believe I am a victim of the recent CFPB charge against Capital one and their 360 savings and 360 Performance savings accounts. I do not know exact dates but I suspect it was first quarter XXXX. I had a 360 saving account getting low interest. I called Capital one about some other issue and talking to the representative I realized there was this 360 Performance available, I was not notified or told about this Performance account until I stumbled into it in my unassociated discussion with the representative. I remember asking why Capital One was not proactive in telling me about the Performance account. Not sure the response, but I did move all my funds from the 360 saving to the 360 Performance saving at a substantially increased interest rate. Thus I believe I am a victim of the " scam '' by Capital one.
Product: Credit reporting or other personal consumer reports

I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination , retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. XXXX. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. XXXX XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. XXXX. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX XXXX XXXX refusal to do the same raises serious concerns about their practices. XXXX. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. XXXX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its CAUSING ME DAMAGES AS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Syndicated Office Systems/Central Financial Control Amounts of {$100.00}, {$120.00}, and {$1800.00} After XXXX attempts to have these debts validated they keep coming back " verified '' but have yet to provide proof that I owe this debt, they have the authority to collect, a written signature on a contract. After multiple attempts to dispute via the collection agencies as well as the credit bureaus the information provided still is n't sufficient enough to show that I owe said debts. I want this information removed immediately since this is a violation of my rights as a consumer.
Product: Debt collection

Ive been in communication with XXXX XXXX at CBA since XX/XX/XXXX it took until XX/XX/XXXX for him to send me proof of amount owed. After review of the document I see that a payment of {$2500.00} is now reflected on the document hes provided. XXXX has suggested I pay him regardless of my knowing have made a payment to the original creditor. He stated, after you pay the amount sure Ill look into the missing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain amount of time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts 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

Equifax mishandled my personal information. According to their website, equifaxsecurity2017.com I am listed as a potential victim. I would like a resolution to this breach of my security. Thank you.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( black, inc ) duee to inadqua5e coustomer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app faeledi to take timly and effective measures to prevent and address fraud on their platform. Leaving My Account vulnwrable And unprotected. Furthermore, their dispute resolution peocess unfair And deceptive, As they XXXX not Comply with wrro reaolution requirements Under the Eletronix Fund Transfer Act EFTA.
Product: Credit reporting or other personal consumer reports

A hard credit inquiry is on my credit report. It is from CBNA in XX/XX/2023. I did not apply for credit with this company. There should be no hard inquiry. Someone else must have used my information otherwise there would be no inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX XXXX XXXX Bank CARD for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness.

Was a 1099-C filed on this account? If so, I never received XXXX. 

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 

If XXXX XXXX XXXX Bank CARD has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries : XXXX XXXX/XXXX Co Dual Card inquiry XX/XX/2017 P.O. Box XXXX XXXX, FL XXXX XXXX XXXX Inq. XXXX P.O. BOX XXXX XXXX, FL XXXX XXXX/ XXXX XXXX Inq. XX/XX/2017 P.O. Box XXXX XXXX, Fl XXXX XXXX/XXXX Credit Inq. XX/XX/2017 P.O. Box XXXX XXXX, MD XXXX XXXX XXXX Inq. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inq. XX/XX/2017 P.O. BOX XXXX XXXX, TX XXXX XXXX XXXX/XXXX XXXX Inq. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm buying a house and the mortgage company " XXXX XXXX XXXX  '' gave us the loan, this was in XX/XX/XXXX. Last year in XX/XX/XXXX I made my last payment to XXXX XXXX XXXX, they sold the loan to XXXX XXXX XXXX XXXX XXXX. I made my first payment to XXXX on XX/XX/XXXX and have done so to date. Equifax is showing that I have two Mortgages. I have disputed this three times so far this year with no results. I just received an email from Equifax saying the dispute has been completed. I can't access the website to confirm, just like the last two times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have a XXXX XXXX account on my credit report thats an negative mark i believe its fraud i do not recall working with that company or giving them my info Im trying to build my credit and this report is in my way i would love if it can be disputed thank you.