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

ALLY BANK MADE ONLINE PLATFORM CHANGES TO THE FOLLOWING FOR WHICH I HAVE BOTH ACCOUNTS FOR. 
- SAVING ACCOUNT - AUTO LOAN ACCOUNT WHERE INITIAL ALLY BANK HAD TO SEPARATE APPS, AND LOGIN ACCESS FOR THOSE TWO BANKING PRODUCTS. 

ALLY BANK MADE CHANGES AND NOW I CAN NO LONGER ACCESS MY AUTO LOAN TO MAKE LOAN PAYMENTS, AND CUSTOMER SERVICE AT ALLY INSIST I USE A THIRD PARTY APP THAT CHANGES AN ADDITIONAL FEE, AND I DON'T WANT THE RISK OF FRAUD AND LIABILITY WITH USING AN UNKNOWN BUSINESS WITH MY SENSITIVE BANKING INFORMATION. 

I MADE COUNTLESS OF REQUEST TO HAVE CORRECT THE ISSUES OVER THE PHONE, BUT CONTINUTED TO GET OVERSEA REPS, THAT HAD LIMITED UNDERSTANDING AND RESOLVE FOR THE ISSUES. NO ONE HAS CONTACTED ME REGARDING THIS ISSUE IN MONTHS
Product: Credit reporting or other personal consumer reports

The Company refuses to release my free annual report under false pretenses of identity problems. They had mailed to me correspondence having to do with a dispute?? I have not been able to dispute any information in absence of being provided a free annual report to review. To help the company identify me here is my full SS # XXXX. My NYS Drivers License number is XXXX. 

It appears Lexis Nexis does not want me to know the potentially false information they created about me that was used against me, for example when they furnished XXXX car insurance false information or executed a closing of my auto policy with no reason given when I went to pay. Not only did my insurance get cancelled, Lexis Nexis made sure that I could not seek insurance under a different NYS carrier by some information which prevented another insurance agency from opening a new policy and or premiums that were in the thousands to insure a XXXX XXXX XXXX for basic NYS Statutory insurance. I found out about the cancellation when I went to pay in XXXX XXXX XXXX XXXX XXXX whereby XXXX XXXX refused to accept my payment at XXXX XXXX XXXX XXXX. He informed me my policy was cancelled and when I asked him why he did not provide a reason and even my written correspondence directly to XXXX I was not provided a reason. When I had requested NY insurance agents XXXX XXXX and XXXX for a quote at that time they relied on LEXIS NEXIS. XXXX XXXX refused to insure and the XXXX quote was an astronomically high amount of premium required to insure basic XXXX liability for a XXXX XXXX XXXX There were no logical reason for this cancellation - major DMV violations, injuries, felony judgements or any insurance accident payouts of significance that would cause a high premium quote or refusal to insure. Information was obviously fabricated and to this day I still do not know the reason for the sudden cancellation.

This cancelation prevented my daughter XXXX from driving my can due to the inability to secure new insurance and unaffordability of new insurance. The car remained off the road and my daughter was upset and demobilized. Lexis Nexis financially weaponizes the data information
system they created with XXXX XXXX carriers either in collusion with the Insurance carriers or independently. It is a covert way to disrupt your life using false and or misleading information the XXXX XXXX XXXX  use and act upon furnished by LEXIS NEXIS.
Product: Mortgage

My home mortgage is with Wells Fargo ; they sent me a letter in XXXX that they had transferred the Servicing of my mortgage to another company, XXXX XXXX XXXX, and that I was to begin paying my monthly mortgage payments to them starting on XX/XX/2018. They stated in their letter that I would shortly receive a Welcome Letter from this new servicing company, providing me with all of their contact info, their website, my new account number, and all of their information regarding the current status of my mortgage, including my escrow balance, escrow payments, interest charged, existing monthly payments, etc. 

I have still not received any Welcome Latter from this new servicing company ; I have called them a number of times and each time, until the last call to them yesterday, after holding for a rep for 5 to 10 minutes, each time I was disconnected! Finally, I was able to speak to a rep and asked why I had not received a Welcome Latter so I could pay my XX/XX/XXXX payment ; I was told my Welcome Letter had been sent out to me, so I asked the date it was sent since I have not received any mail correspondence from them, and the rep told me he had no idea when it might have been mailed and hung up on me. 

At that point I called Wells Fargo Home Mortgage, spoke to a rep and told him I had received not Welcome Letter or any other mail information from this new servicing company that I am supposed to pay starting XX/XX/2018, and the Wells Fargo rep told me they no longer service my mortgage account and hung up on me!!! 

I then tried to access my Wells Fargo Home Mortgage account online that I have used for quite some time, and I was not able to log on using my existing username and password. 

It seems that Wells Fargo and this new alleged servicing company is contriving to make me be in arrears so they can either charge m continuing late fees for my mortgage payments or to foreclose on my home due to non-payment!!! 

I am very concerned that all of my information from my long relationship with Wells Fargo Home Mortgage, including payments, interest paid, escrow balance and payment information, etc. has bee lost or somehow made unavailable to me. 

I want all of my past mortgage payment, charges, escrow, taxes information available to me immediately, and I want the agency to help me ensure that this new servicing company and Wells Fargo, since Wells Fargo is so well known for cheating it's customers, is not going to try to collect late fees for payments not made, or to foreclose on my home because of their inability to provide me with my account information so I can easily and with confidence pay my mortgage payment monthly, on an ongoing basis. 

At this point, I have absolutely no confidence in any of my requests with either Wells Fargo Home Mortgage or this new alleged serving company, XXXX XXXX XXXX XXXX. 

I respectively ask for you help with this ; I am almost XXXX years old and am fearful of what I see going on with my mortgage servicing. I tried two more times to call the company and still haven't got a response from them. I can't make a payment because Wells Fargo said if I did they will just return it Sincerely,
Product: Debt collection

I have asked for the original signature of the original debt from Spring Oaks Capital LLC. They are constantly call me. I have asked for this information in writing. They haven't produced it and continue to call me. They called me from XXXX - XX/XX/XXXX. I recently received a call XX/XX/XXXXXXXX XXXX
Product: Student loan

I have been getting numerous phone calls on my debt. In XXXX day I will receive anywhere from XXXX phone calls and XXXX voicemails. They will call 7 days a week from XXXX to XXXX. They have discussed my debt with my family, friends, and references I used on my student loan application. They refuse to send me my original promissory note so I am unable to verify the amount I owe to them. Several of my student loans have reached the statute of limitations and they are still threatening me and are not helping me. I have tried to work with them but was called ridiculous and told I needed to be in a better frame of mind. I was hung up on XXXX while trying to discuss my options, that they wo n't talk to me about.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information Unde

r 15 U.S. Code 1681o- 15 U.S. Code 1681o - Civil liability for negligent noncompliance- I hope this message finds you well. I am writing to formally dispute certain information in my credit report that I believe is inaccurate. According to 15 U.S. Code 1681o, I have the right to dispute information I believe is incorrect, and I would like to exercise that right. The details of my dispute are as follows : items where taken of then brought back in another name also items where improperly investigated and are no longer suppose to be on my report. 
{$2200.00}, {$1200.00}, {$9600.00}, {$1000.00} I kindly request that you investigate this matter and correct the inaccuracies at your earliest convenience. I am eager to resolve this issue promptly and appreciate your attention to my request. 

Please let me know if you require any further information from my side to assist in your investigation. 

Thank you for your cooperation and support in rectifying this matter. 

Warm regards,
Product: Credit reporting or other personal consumer reports

( 15 US 1681 ) ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry : Santander Consumer UsaXX/XX/2018 Please investigate to ensure there is no fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit alert that I had a hard credit inquiry. I am in the middle of purchasing a home and did not authorised anyone to run my credit. The company that showed was Corelogic Credco. I tried calling and no answer.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the second unsuccessful attempt to expedite the removal of fraudulent items from my credit file. Despite my continued efforts and the urgency of the situation, the fraudulent entries persist on my credit report, causing significant distress and adversely affecting my financial standing. 

I understand the importance of promptly addressing and rectifying fraudulent items to safeguard my creditworthiness and financial well-being. I have previously submitted identity theft affidavits, police reports, and supporting documentation to expedite the removal process. However, it is disheartening to note that these efforts have not resulted in the desired outcome, and the fraudulent items remain unresolved. 

The persistent presence of these inaccuracies continues to hamper my ability to secure credit, obtain favorable interest rates, and manage my financial affairs effectively. 

I urgently request an immediate and thorough reinvestigation into this matter with a commitment to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and promptly correct the fraudulent items. 

Failure to resolve this matter expediently may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had made a purchase with Best Buy with 12 months same as cash. My balance was at roughly {$4.00} beyond my 12 months and was not notified at the XXXX calendar month once I changed my address with a customer service representative at the store after I moved. I went to use my card for another purchase believing my balance was at XXXX ; and was informed my card was ( for lack of a better term ) invalid. I recently found out that my credit was being effected by a {$4.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. Equifax, XXXX, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a charge-off in the amount of {$370.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Product: Credit reporting

I have been disputing incorrect information on my Experian XXXX XXXX XXXX credit report but they are unwilling to allow me to dispute their " investigation results ''. The creditors are XXXX XXXX and XXXX XXXX XXXX. The report reflects late payments and the information is inaccurate. XXXX creditors have agreed to have the items corrected on all XXXX credit bureaus but only XXXX made the correction.
Product: Credit reporting or other personal consumer reports

I cant pull my Equifax report it shows XXXX with XXXX XXXX or my free scores or the annual doesnt pull anything out
Product: Mortgage

I was able to bring my account up to date last year with assistance from XXXX but my requests for loan modification have been ignored. I would have been able to make my payments if Mr. Cooper would have modified my loan. I had filed in XXXX XXXX to stop the foreclosure but I didn't fill out the court form correctly. 
I had notified Mr.Cooper 's general counsel that there was fraud involved with my house- I am over XXXX and XXXX XXXX. Two of my XXXX have the same attorney and same land surveyor and both installed fences on my property. I have filed complaints with law enforcement and was in court to have the XXXX and their attorney take down their fences but it is still in court.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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: Debt collection

Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark pulled my XXXX report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. XXXX was provided a copy of the letter after 30 days went by and the inquiry not being removed. XXXX stated Lendmark did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Product: Credit reporting or other personal consumer reports

REPORTING INACCURATE LATE PAYMENTS. CREDIT REPORT IS SHOWING ONTIME PAYMENTS XX/XX/year>, THEN REPORTS 90 DAYS LATE FOR XX/XX/year> AND 120 DAYS LATE XXXX OF 2018. THESE LATE PAYMENTS ARE INACCURATE. AS ON TIME PAYMENTS WAS REPORTED FOR THE MONTH OF XXXX.
Product: Debt collection

I mailed a letter to midland credit management Inc. on XX/XX/XXXX stating. 
Per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of 1974. MIDLAND CREDIT MANAGEMENT INC you are committing security fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934. 
They have not received any correspondence from them
Product: Payday loan, title loan, or personal loan

First Tech federal credit union Manager II : XXXX XXXX email : XXXX T : XXXX F : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Idaho XXXX XXXX XXXX On Monday XX/XX/XXXX I visited the local office and spoke with XXXX XXXX and XXXX XXXX about the fact that I had applied for PPP loans and ANY other program I am eligible for during the first run in XXXX of XXXX. 
At that time I never received any follow-up about eligibility that month or the month of XXXX. This, even with 3 subsequent visits and repeat questions on the progress of my request to the tellers during that time. Upon pressing the issue in XXXX I was told the program had 'ended ' and they " ran out of funds ''. This, with no notice and no correction available. I left with a standing and clear request to correct this when the next plan becomes available. 
I visited again on XX/XX/XXXX to get an update. Speaking with XXXX XXXX, I explained that I had not received a follow-up call yet and I wanted to get started before this new PPP program starts. Due to the missed opportunities of last year I also requested a follow-up call from XXXX if corporate was unable to respond. 
XXXX assured me that I would get a follow-up call and that she would call If I did not. 
I did not get a call from anyone. 
On Monday the XXXX I Called corporate directly, spoke briefly with a man named XXXX, where I was subsequently " Phone Flushed '' ( hung up on ) during a transfer to " someone in that department ''. 
Upon visiting XXXX XXXX again at the local branch that same day and insisting that I need a callback, I did get a call from a lady at corporate. In this call she used 2 excuses why I am not eligible for assistance : 1. I did not have a business account before XXXX of XXXX. 
REPLY : I have been a member of this bank since XXXX and have had an active business account since XXXX. The lady from corporate acknowledged this. 
I informed her that I have had membership before the bank transitioned from XXXX XXXX XXXX to XXXX XXXX and then to First Tech. Most of my accounts are grand fathered from past formats. I have been a member longer than most employees have been working at this branch. 
2. My account was not the correct type of business account.

REPLY : refer to above.

Many times I have had pointed out that First Tech touts the number of businesses they helped with PPP loans. 
XXXX XXXX IS eligible. My account has been active. I have good decades long standing loan activity with this bank. I have direct deposit accounts to 2 contract employees I brought to this bank and had start accounts of there own.