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

Ally unilaterally chose to revise the contract without my consent and deferred payments in XXXX. When I went to the site ( due to online paying as the only option ), there were no payments noted as due during XXXX months in XXXX. As the contract ended in XX/XX/XXXX, I realized I still owed over {$1000.00} when I should have been paid off early due to EARLY payments made. Instead, I still owed. I made additional payments, but still I was told I owed more payments. There was no way to reach anyone at corporate and the customer service reps continued to tell me that I requested the deferment and extension. I did not and they have NOTHING signed by me requesting this. I also asked for a detailed breakdown of the payments and interest paid. I got some random report. After additional delays by Ally, I was told that they were going to remove the deferment from the system. At this time, I was getting notices that I was now " XXXX '' and " XXXX '' payments past due, additional interest had been charged and my credit report was being destroyed by their claiming I was late in my payments. In that the contract calls for a certain amount of priniciple and the interest should not have accrued during this illegal deferment, I need to have the real and accurate amount provided to resolve what may ( or may not ) be XXXX missing payments, This issue was caused by them. And they will not fix it. Additionally, I had sought to resolve this through XXXX and the amounts reported owed by me from them is different from the documents they sent me. My credit is being destroyed and I do not have my title. I should have had it and would have had it if they did not pull this scam on me. And again, there was nothing noted in my online account or in the credit report that I failed to make the XXXX payments they claim are still owed to them. I am under threat of repossession and I do not have my title. 

Be advised, the Ally rep on the phone told me that I had made all my payment in XXXX. This is a recorded call. I wrote to Ally advising this was said to me. The people with whom I have spoken continue to tell me that their records show otherwise. In truth, I was TOLD all payments were made. So this, too, is a scam. I have been without the title to my car now for over SEVEN MONTHS. And there is no phone number to reach anyone at corporate.
Product: Credit reporting

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX.XXXX
Product: Debt collection

Dynamic Recovery Solutions contacted me on XX/XX/XXXX regarding a medical debt from XXXX XXXX XXXX from XXXX of XXXX in the amount of over {$1400.00}. According to the statute of limitations of in the state of Florida in regards to medical debt, the limit is 5 years to recover the debt. As I informed the agent of the Florida statute of limitations, the agent claimed that this is not correct and there is no statue of limitations on this debt. She then proceeded to explain that I would be taken to court regarding this debt if I am unable to set up a payment plan with her. I advised her that I will not be setting up a payment plan for a debt that was 3 years past the state statute and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX and Trans Union Credit bureau. Although I made payments on time by using XXXX  XXXX XXXX XXXX payment system, XXXX XXXX XXXX claim that they didn't receive payment on time due to post office delays because of covid-19. I called XXXX customer service and was advised that everything should be fine and they will make a note of it and that no reporting will be done if they receive the payment by XX/XX/XXXX, XXXX. They received the payment on XX/XX/2021. However, they reported to Credit bureau anyway and that reduced my credit score. I also made another payment on line as well to pay them twice. The XXXX XXXX XXXX XXXX also talked with XXXX XXXX but XXXX didn't correct the credit report. I am disappointed that XXXX will treat a loyal customer of 4 years so badly and unprofessionally. I also reported to Trans Union Credit Bureau but they have not corrected the report.
Product: Credit reporting or other personal consumer reports

Equifax Credit reporting is improperly doing investigation. I have XXXX accounts in my credit report with XXXX XXXX is reporting payments in 2024. I asked for proof of these payments. There was not payments made. What proof of these payments made I believe that are not doing proper investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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, 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 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: Debt collection

On XXXX XXXX, 2017 AR Resources placed an account for the amount of {$1000.00} on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and asked them to remove all addresses that I do not live at and have never lived at and they wouldn't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account had had another social security number associated with it for a year. XXXX XXXX XXXX has allowed this to start, and go on, and I'm furious. My credit is so out of whack!
Product: Debt collection

Ford motor credit took me to court and I felt strong armed to concede to the judgment for a bill I do not owe. In any case the document was signed, and a judgment was made even tho the company violated my rights as a consumer which they have ignored and havent taken any responsibility for. Ive disputed the collection through the proper channels ever since it started. I wrote a letter and I didnt hear anything from Ford . They did not send me a single collection notice nor a single collection letter cause I would have disputed it add wrote letters back everytime. Then out of the blue a sheriff shows up at my door handing me a legal documents for a court date. I immediately disputed this vehemently because this matter should have been settled the minute they took possession of the truck as per our agreement. I thought everything was fine even after I called them back a month and half after they took possession and the women I talked to agreed and I stated so Ford owes me money.. she eluded that may be the fact from what she saw.. but I didnt want any money back from Ford. They took the truck and that was supposed to clear up my balance/ Now I want my truck back. If I knew in any second that I would lose the truck and be billed a penny I wouldnt have done it. I didnt have to. 

Now they moved the debt to a collector in NY. I dont live in NY the entire case was handled In Maine and under Maine law. Not NY. 

I recently called Ford cause they dont know how to pick up the phone or do things professionally or right with courtesy to me as a consumer! They told me about this debt collector in NY who has sent me nothing. No calls no nothing They now changed the debt amount from under {$14000.00} to over {$19000.00} on my credit again! Even tho that amount is wrong! 

I sent them 2 letters and I have rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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

Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX
Product: Credit card

USAA now for XXXX years and XXXX months has been on my credit that was already closed and all funds were paid off when I paid them in full of {$12000.00} for a personal loan in collections when it was not supposed to be and they destroyed my credit back in XXXX while I was fully XXXX and permanently total since XXXX. This is a felony what they did to me in all XXXX states. I have done everything in my power as a fully XXXX man who is XXXX not stupid and saving his XXXX XXXX XXXX daughter making her future worse as well. I have been fighting this now for XXXX  years and XXXX months. I have XXXX debt and no other loans except my mortgage which I am in the process of refinance with a better and more suitable company XXXXXXXX XXXX who actually help veterans and their families and are trying to put me into a better mortgage. As for USAA they have done enough damage to my credit when they are supposed to have closed my account which still is open and they are still sending me checks from XXXX years ago when my account was closed with them since XXXX. I do not understand why I am still being stalked and my credit is being held under XXXX because of USAA. I did a background and through the back door they are marking my credit as late while I am closed and they are not to be reporting me late while in collections for payment I don't even owe. They are in the wrong you should check their taxes and see if they are in line before they hurt anymore customers and veterans who fought for this country so USAA can still be in business. I don't see USAA helping veterans, all I see is them hurting their financials while they gain more and more money. They are getting away with taking money from veterans who can't fight back due to their income. I am now with a law firm worth {$300.00} XXXX dollars and we can take this to the federal courts or we can mediate this before they go any further destroying my credit now for XXXX years and XXXX months with no debt and I am unable to go to better mortgage companies or get a credit card when I make {$6000.00} a month and have no debt. I am confused here. Is it because I am an American XXXX? I apologize for saving lives for our country. I apologize.
Product: Mortgage

I recently applied for mortgage payment assistance with Bank of America who holds my current loan. After completing the required paperwork they sent a modification trial period offer for a reduced payment for 3 months that would l be identical or close to my adjusted payment. This amount was only XXXX dollars less than my current mortgage payment which gives me little to no relief at all. When I asked them to explain to me how they came to these terms, if my rate would be fixed or not and what programs I qualified for, they could not answer any of my questions. They also stated that by paying the 3 months of the modified loan payment, they would report to the credit bureaus that I didn't make the full monthly mortgage payment. As a result of their loan modification, I would end up with 3 months of negative marks on my credit report. Ultimately this would prevent me from refinancing my loan in the future or anyone who were to take this offer. This is a predatory practice and they are doing nothing more than pretending to help home owners when in the end, there is no help at all. A reduced payment of XXXX dollar per month and permanent damage to my credit doesn't provide mortgage payment assistance and instead puts the homeowner in a worse situation. They stated an incorrect amount on my gross income that was different than what I reported in the interview and in the paperwork I provided. They also appraised the wrong house and have that information incorrect. All they do is tell you to appeal and/or reapply which results in a constant pattern of nothing ever getting done at all. This loan modification program is boiled down to an exact science of stalling and giving the run around and obstacles that can't be overcome by mishandling information so that they never have to actually provide assistance to their customers. Bank of America 's loan modification program is predatory lending plain and simple and needs to be investigated by the attorney general 's office.
Product: Money transfer, virtual currency, or money service

Well there was a few times I requested refunds and was told I should receive with 7 to 10 business, and never received it. After a while I just stopped reaching realizing I wasn't going to get my refund back.
Product: Credit card or prepaid card

Took out a bank loan to pay off balance of MBNA card. Called MBNA representative on XX/XX/XXXX and spoke in detail that I wanted to pay off everything to have a {$0.00} balance, with nothing due beyond the payment to pay off. We discussed that the due date for payment was XX/XX/XXXX so all interests and fees would be accounted for in the amount to be paid. 

The amount I was told was due was {$10000.00}, and I was specifically told that nothing else would be due beyond this amount. 

The next month I received a bill for interest and fees. I contacted MBNA and was told that credits were being provided on my account. I specifically asked would this mean the card was paid off and nothing else was due. The woman did not state explicitly but implied that everything was being cleared up. 

I received a new bill that indicates interests charges in XXXX have been $ XXXXand fees are {$180.00}. I called MBNA again today to get information. I know there has been a charge or two for small items and I would like to make payment. However, I have not received a bill statement in the mail to show how much was charges, the amount, transaction, or date. 

I held on the line for MBNA for over 15 minutes. At 11 minutes it sounded as if someone answered the line but said nothing. For over 4 minutes of the call from 11 to over 15 minutes I held on and finally hung up. 

If there is interest and fees tied to the account pay off, these need to be removed as promised. If there are charges, I need information as to the charge so I can make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS GONE ON WAY TO LONG TRANSUNION NEEDS TO REMOVE THESE 3 UNVERIFIED INQUIRIES ASAP, I filled FTC report, MY REPORT # XXXX
Product: Debt collection

I sent a debt validation letter to collection agency over 30 days ago, with no response. Company continues to send text messages and phone calls but failed to respond to letter.
Product: Credit card or prepaid card

I was charged {$54.00} from XXXX/XXXX on XX/XX/20018 on my Chase credit card. I did not authorize or receive anything for this charge. I contacted Chase to dispute. I received a letter today stating that I am responsible. I have closed my Chase account but I'm still reliable for this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Checking or savings account

On XX/XX/year> at approximately XXXX XXXX I attempted to deposit {$2800.00} in cash through a drive through ATM machine at Chase bank. The chase bank is located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. The ATM machine number is XXXX. I counted the money XXXX times prior to making the deposit. After inputting all of the money into the machine, the screen did not show the full amount of {$2800.00}. I then cancelled the transaction hoping to get all of my money back, but instead I received {$2200.00} back. I did not receive a receipt since the transaction was cancelled. I then went inside of the branch to file a complaint, which the teller told me would need to be done by phone. I then deposited the {$2200.00} with the teller. I called Chase customer service number, explained the situation and a claimed was filled incorrectly as the agent misunderstood what I told her. I called again a couple of days later and had to file a new claim. Just spoke with them again and the new claim was denied as they stated no extra funds were in the machine. This is completely unacceptable as I am missing {$520.00}! I do not think a proper investigation was conducted since the XXXX  claim was incorrect and since they continue to get confused with the fact that I deposited {$2200.00} through a teller. They continue to bring that amount up and I do not understand why. They said my funds did get deposited and that is incorrect. They also told me they would only reinvestigate if I send proof or paperwork. I do not have proof of the full amount as some of the cash was cash left over from a cruise trip! And money from as a birthday gift! I am appalled that something like this is okay and I need my money back!
Product: Debt collection

I have asked Numerous times for the Debt to be validated and its not been validated Properly. They keep transferring to different collections agency 's after they cant properly validated the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a debt that has already been proven to not belong to me. File has been removed from XXXX, XXXX and XXXX. Trans Union has ignored disputes on file and ignored that it does not meet FCRA requirements. they could simply verify that its already been removed from other reporting agencies but they have refused. They have not ran a correct verification after 19 validation letters
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX an application was made with XXXXXXXX XXXX ( XXXX ) for a credit card. I tried using it, but the company refused to honor the discount offer with new credit card and would not give me a discount. We got no where with XXXXXXXX XXXX and they decided to take out the work done and bring my car to the state I took it prior to charges and/or repairs. However, my credit file took a hit. 

I was checking my credit file and saw that XXXX had decided to cancel the account for no reason. It was never in bad standing or anything and I was never notified of such cancellation. I called XXXX credit and told them that they should also take the hit that my credit report took since it will stay for another year. If I wanted a XXXX credit card, I would have to reapply and take a hit on my credit report. I was told by XXXX credit that they will notify Experian, but after I put a dispute the credit hit of XX/XX/XXXX has not been taken out as per the Experian dispute letter of XX/XX/XXXX. 

If a company for no reason is going to cancel a credit card within a year, they should also take the credit hit that was put on my credit. That hit lasts XXXX years. If I had to reapply, I would have to take another credit hit and it would show on my credit report. I am asking them to have that credit hit XX/XX/XXXX beremoved from my credit report.