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

On XX/XX/2021 we leased a XXXX XXXX from a dealership in XXXX. We have excellent credit and without consulting us the dealership chose Ally Bank for use & we didn't have a say. 
We didn't know our loan was assigned to Ally Bank until we received the first bill about three weeks after closing with the dealership. no one explained anything to us nor gave us any instructions, not the dealership & not Ally Bank. 
About 2 months ago the XXXX  was stolen and we were working with our insurance adjuster. The adjuster called Ally Bank and asked for our loan pay off but Ally Bank refused to provide him with the information. We then tried calling Ally Bank ourselves, asking for the payoff. We spoke to three different departments plus a supervisor and they all refused to provide us with the payoff information of our own loan. 
The reason why they refused to give us our payoff amount is because they wanted to get the highest amount they can from the insurance company. 
We owed Ally Bank approximately $ XXXX  and the insurance company not knowing our payoff amount offered us {$62000.00} to settle the insurance claim. But then we received a call from Ally Bank stating they would get the full {$62000.00} amount and we would get nothing. they relayed that they owned the vehicle, not us, and is why they would receive the entire amount from the insurance company. 
So while we lost an approximate total of $ XXXX, which included the down payment, the added XXXX '' wheels with lift, numerous personal items stolen from inside the vehicle, $ XXXX in monthly payments paid to date and the difference in the current market replacement value we would need to pay for the same vehicle purchased only a few months ago. 
Ultimately, we lose $ XXXX  and Ally Bank makes an extra $ XXXX. Even the insurance adjuster told us, he'd 'never dealt with a bank that takes all the money from their customer like Ally Bank . ' To put it into simple terms, if I had made a $ XXXX  down payment on a $ XXXX auto loan, Ally Bank would still have received the {$62000.00} insurance claim even though the loan amount would only have been $ XXXX. That's exactly what I would have lost in this scenario ( - $ XXXX ). This is what I call fraud. 
Ally Bank is taking advantage of their customers in a deceptive manner and by refusing to provide the payoff, in order to get a higher amount from the insurance company, it definitely feels like fraud. 
So now after losing all of my savings, the $ XXXX  auto investment, I have no money left to buy a new car so I'll have to live without a car for a while. 
Someone needs to put a stop to companies like Ally Bank who are taking advantage of their customers. 
I am hoping you can help us and others like us put a stop to this type of company greed and deception.
Product: Debt collection

Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Money Source dinged my credit report in XXXX stating that I missed one payment. They knew the house was going to close on XX/XX/XXXX and they would be paid in full. They have not informed the credit bureau that they have been paid in full. They have admitted that they overcharged me and I have yet to receive a refund.
Product: Mortgage

On XX/XX/2022 - I XXXX XXXX sold my home in a Short sale. 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I followed all process as directed to me by my Loan servicer Equity Prime Mortgage and my lawyer Equity Prime Mortgage : XXXX account # XXXX This sale was also recorded by U.S Department of Housing and Urban Development -HUD FHA Case # XXXX In XXXX of 2022 I received a new letter from XXXX XXXX XXXXXXXX XXXX ( A company I've never conducted business with ) informing me that Equity Prime Mortgage transferred a loan to them - I contacted XXXX to dispute that debt and explained the property was sold in an approved FHA short sale and i have walked away from the property - They are currently investigating but have sent me a letter : Our records indicate the current investor or note holder of the loan is XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX is the current servicer of this loan on behalf of the investor or trustee The investor or holder may be contacted through XXXX at XXXX XXXX XXXX, XXXX XXXX IN XXXX, Fax XXXX or by telephone number XXXX XXXX  Account # XXXX The Title company involved in the closing of the Short Sale was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX phone | XXXX fax | XXXX  Underwritten By : XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquires. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I sent out letter to all the credit bureaus Experian XXXX and XXXX on XX/XX/XXXX.
Product: Credit card

I initially made purchases with an understanding that if balances are paid prior to special promotion ends, i would not get interest charges. I have made a total of {$8100.00} in two years with promotional terms along the way. I have paid a total of {$7400.00} which would leave a balance of {$650.00} They have charged me a total of {$4000.00} of interest! that is absolutely unacceptable. I have spoken to an attorney who has gone over every statement and has made sure that the balances that were carried over were all paid prior to promotional terms so they should n't have gotten any interest. I was advised to go through CFPB and get this resolved with merchant prior to filing a lawsuit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

Im entitled to an accurate an complete credit report I have new evidence to show I never had a late payment from the credit reporting account XXXX XXXX XXXX XXXX XXXX XXXX I also have proof they have been looking into a DUPLICATE account under the same name XXXX which shows close, I DEMAND METHOD OF VALIDATION. as I have contacted the creditor as it is my right & have verified THEY ARE NO LATE PAYMENTS ON MY ACCOUNT ; I Demand a credit investigation be preformed. ( documentation attached. )
Product: Money transfer, virtual currency, or money service

My issue started yesterday, XX/XX/. I was trying to log into Venmo via my desktop device and had to reset my password because I had forgotten what the original password was. After following the prompts and successfully resetting it, I then attempted to login on both my desktop and XXXX app to no avail. I kept getting error codes reading " XXXX XXXX : Unable to complete your request. Please try again later. '' After multiple password reset attempts, the errors remained the same. 

At this point, I tried to contact Venmo 's customer support. Their phone number only rerouted me to their customer support site which suggested articles to help solve the issue. There are no customer service representatives that I've been able to talk to or be assisted by directly. None of the articles address this specific issue. I ultimately sent a response back via email to their customer support requesting further help. It has been 24 hours and I have not received any response back from them, and am still completely locked out of my account. What's worse is that my account currently holds {$420.00} that I'm unable to access due to this situation. It is frustrating to say the least, and I've been reading other stories online from people who've encountered the same problem with Venmo and there is no concrete solution that has been offered, other than to issue a formal complaint here through CFPB. I don't know what else to do at this point.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

XXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

This account was opened in XXXX and I was made aware of it in XXXX of XXXX when it went into charge off status. I have been going back and forth with this company, sending them police report documentation and they continue to say the account is valid. The address that the stools were sent to isnt even an address I resided at before. I never pursued it much because it didnt have much of an affect on my credit until XXXX of XXXX. All of a sudden the account changed to collection status and it dropped my score 40 points. Now the account is with debtsy, who I have contacted and sent my police report to, but I have been told there is nothing they can do and to contact XXXX. I have repeatedly told the company XXXX that I was not the one who purchased the barstools with my XXXX and main account. I have repeatedly sent them my police report and just a week or two ago I submitted an identity theft report via FTC recommended by Experian credit bureau. I have even offered to pay the amount if they will delete the account. XXXX has just recently sent me an email asking for me to return a filled out form, however, I have been going through the ringer with this company and just want the fraud account removed. I am attaching the communication from debtsy and XXXX. As you can see with debtsy I have attempted to have them investigate numerous times last year.
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. These items must be investigated and deleted 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 XXXXXXXX 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 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

On XX/XX/XXXX, I received a letter from the courts stating that my civil case had been dismissed and that a judgment had been entered against me. This letter included a copy of the summary judgment and the motion for leave that was filed by the lenders attorney on XX/XX/XXXX. I was confused as to why the case was dismissed and why judgment was granted against me. The lender falsely stated to the court that they mailed me a copy of the motion for summary judgment on XXXX XXXX which I never received. 
2. Lack of Notification Because I did not receive this motion, I was unable to respond within the required 28 days. I only became aware of the motion after the court issued the judgment against me, along with an explanation of the judgement. The only document I received, was from the courts in XXXX, which was an amended case management order, notifying me that my case was rescheduled from XX/XX/XXXX, to XX/XX/XXXX, this rescheduling would have pushed the case past the statute of limitations for the lender to pursue legal action against me. 
3. Statute of Limitations On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( XXXX ) against the lender due to their violation of the statute of limitations. The statute of limitations for this case was approaching expiration just prior to the alleged mailing date of the motion for summary judgment. This raises serious concerns about the lenders intentions and suggests they may have misled the court to obtain a judgment before the statute of limitations expired. Such actions not only undermine the integrity of the legal process but also deprive me of my right to a fair opportunity to respond to the claims against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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 U.S.C. 1681. 



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 needs to be removed ( Paid ) -I was unable to receive the full account number but it is on my credit report. 

XXXX XXXX XXXX - I was unable to obtain the full account number but it is listed on my account. 







15 USC 1681 ( s ) ( 2 ) 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. 

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : Alos states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c ( 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 anecdotes the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) States 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. 

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to these inaccuracies, this has disabled my ability to purchase a home at a reasonable interest rate, buy a car at a reasonable interest rate, and obtain a credit card above a limit of XXXX i want compensation and i do have proof of the harm these errors have caused pain and suffering in my life.
Product: Debt collection

It has come to my attention that a late payment has been inaccurately recorded on an account that has been not only closed but also settled. This blatant error is not only detrimental to my credit score but also a severe violation of the Fair Credit Reporting Act ( FCRA ). This is to express my extreme frustration and anger concerning the inaccurate reporting on my credit file maintained by your bureau. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter and the prompt removal of the erroneously reported late payment. It is inexcusable that your bureau continues to tarnish my credit history with inaccurate information, especially on an account that has been closed and settled. 
The persistence of such inaccuracies damages my financial standing and undermines the integrity of the credit reporting system. I insist that your bureau takes immediate action to correct this oversight and prevent further harm to my credit profile.
Product: Credit reporting or other personal consumer reports

Dear : CFPB Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 account I REVIEWED MY CONSUMER REPORTS AND NOTICED SEVERAL INACCURANCY ON MY ACCOUNT. THIS ACOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURANCY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX, ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

My credit card statement does not show cash rewards that I receive for shopping at the grocery store. I did file a dispute with my credit card company. XX/XX/2019. I contacted cutomer service and was told that I had to wait thirty days until the next statement before my cash rewards would appear on my statement. Thus I was told on XX/XX/XXXX that I had to wait until my statement close to see my cash rewards on my account which was XX/XX/XXXX, each time that I contact customer service I am told I have to wait another thirty days or until my statement close date. The next statement close date is appromatiely XX/XX/2019 and I will have waited sixty days for my cash rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove them from my credit report.
Product: Mortgage

In XX/XX/XXXX, I asked Wells Fargo Bank to look at re-structuring my mortgage loan. I had enough equity in the house to pay the balance and wanted to access said equity to pay off my loan. ( I have been XXXX   XXXX since XXXX. ) The very first time I was ever late on any loan payment. 
The Wells Fargo would say they would send me a form and I wouldn't get it.. They played games with due dates of documentation, etc ... .They would change principal points of contact so that no one ever seemed to know why I was asking for help. 
I finally decided that I would not physically be able to maintain the property, and Wells Fargo was stretching me out. I sold the property in XXXX of XXXX and we closed, paid off Wells Fargo on XXXX XXXX. Wells Fargo is reporting that they started foreclosure proceedings on XX/XX/XXXX. I had already moved out. I never received anything from Wells Fargo saying they would/would not restructure my loan. I never received anything from Wells Fargo saying they wanted to foreclose. They are negatively reporting credit information, preventing me from buying a new property.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS.
Product: Bank account or service

Usaa Bank is always putting holds on my funds on purpose so they can collect nsf fees and I 'm tired of it ... .. They have also rejected payments of my bills when I had the money in my account