23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/22, I checked my Ally Bank Savings Account and noticed a withdrawal from my Account in the amount of {$9800.00}. It was a Saturday, but I called Ally Bank and reached an Agent from whom I asked for an explanation of the transaction. She advised that it was an ACH Debit that had been initiated the day prior ( XX/XX/22 ) and the funds were being transferred to a Checking Account. I had no other Checking Account and I did not authorize any such transaction, and although I begged the Agent to halt the transaction she claimed that was not possible. I was notified XXXX  days later of a provisional credit and because I had never authorized any transfer, I assumed the issue was resolved, which was not the case. On XX/XX/22, I received a letter stating the dispute was closed and the credit to my account would be reversed, which it was on XX/XX/22. I have included with this Complaint my two most recent letters trying to resolve the matter, but Ally Bank has not provided any evidence that I authorized or in any way approved this transfer, and the reason for that is simple - I DID NOT. I literally pleaded with the Ally Agent to reverse the transfer, but she refused to do so, and now Ally is claiming I initiated the transaction from my phone which is both incorrect and infuriating. Thank you for your kind attention to this submission, I am a XXXX Veteran and I need the funds at issue, so I am hopeful you can resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was several accounts on my file that i did not authorize of have any knowledge of. I sent several letters in certified mail and received no response.
Product: Debt collection

Rash and Curtis had multiple accounts totalling {$2800.00} for my daughters XXXX XXXX. I had to work with insurance for several months to get this resolved but the totals were paid and yet this company has agreed to remove this from their records and remove from credit report, however, I applied for a mortgage and this has caused my score to drop XXXX points.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the ( CFPA ) Cash app failed to take timely and effective measures to pervert and address fraud
Product: Debt collection

I requested information and verification regarding debt on XX/XX/year>. I have received no response and it reamins on my credit, I have reason to believe this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAMENT ON MY CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR PURPOSE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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

Spoke with Equifax about my XXXX XXXX credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call XXXX XXXX  credit car company and they re-reported the information and Equifax never made the change to my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XX/XX/XXXX Account XX/XX/XXXX XX/XX/XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through Trans Union, XXXX, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX are listed wrong please delete bankruptcy.
Product: Credit card or prepaid card

I would like to update complaint # XXXX submitted on XX/XX/19 : I received a call ( XX/XX/XXXX ) from Capital One the day after the complaint was filed. I was assured that my refund from my secured card would be processed and the check would be cut and sent to me by Saturday ( XX/XX/XXXX ). I received a call on Friday from a representative in what they called the Executive offices on Friday, I tried to call several times and when I dialed her extension, it was always a busy signal. I finally called and requested any Executive representative to help me, I spoke to XXXX who I let him know I was trying to get to a certain representative. He looked into my account and said that they have not cut the credit check to me because they needed to confirm my address and to ask if I would like the check cut! I again said YES, please send me the credit check on my account that has been closed for over a month. He now assures me that I will receive the check in 7-10 days. Lots of apologizing and no reason given for keeping my {$420.00} for so long. 
How can a company hold hostage money that is due to a customer.
Product: Consumer Loan

I had a loan with OneMain Financial that automatic payments were taken out every month, it was always paid on time then the XXXX to last payment they stopped automotic pay on there own. I called and set up the last XXXX payments. XXXX payment was taken out and apparently the other payment never got taken out. Several months went by and I called them on XXXX XXXX after looking at a statement I received showing a payment do. It stated to call or mail payment to them by XXXX XXXX. I called and they are refusing to take my payment because the have sold the debt and wo n't take the payment for 30 days. I am trying to get a loan and no longer can get the loan because I ca n't show proof I have paid it off because they are refusing payment. Can they refuse payment for 30 days?
Product: Mortgage

In XXXX I applied for a mortgage to buy a new construction home in XXXX California. Months have gone with little contact. I inquired about the status of my loan and has been given the run around. The loan is supposed to close on XX/XX/2021 but I still dont have an approval or denial its XXXX XXXX. Im also supposed to do a walk-through on XX/XX/XXXX not knowing whether or not my loan is approved or not. In the process of reviewing my loan the lender has violated HIPPA and fair housing laws. And I am being treated differently from other borrowers. The lender has contacted my employer and the department of treasury to get far more personal and detailed information that they need in order to determine whether or not I qualify for the loan they are questioning whether or not Im going to return to work because Im on vacation at this time. I have explained to them they I will return to work. They inquire about whether or not I am on sickleave or whether or not I have FMLA. They accuse me of lying when they make a mistake. they appear to be trying to find a reason to deny this loan because the property has gone up so much since I first applied for the loan. They have shared details with the builder realtor asking me again about my health.
Product: Credit card

I paid {$5500.00} to my credit card bill my Apple Goldman Sachs credit card and they have taken the money from my bank but told me they will not apply it to the card for 10 days because I made such a large payment. I asked for a manager and they said a manager would call me back in 1-10 days. Meanwhile a reoccurring payment of {$10.00} is being de ied.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY RECEIVED MY CREDIT REPORT AND NOTICED SOME INACCURACIES TO MY CREDIT REPORT. I'VE ASKED THIS COMPANY TO PROVIDE DOCUMENTATION TO WHY THEY ARE REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT.
Product: Checking or savings account

Two fraudulent accounts have been opened in my name on XX/XX/22 & XX/XX/22 and I have repeatedly called to have them shut down. Not only did they refuse to shut them down, once they did, one of them was reopened. I have requested they place a fraud alert on my account to find that after all of this, they allowed a phone number that isn't mine to be associated with my account. I have asked for the information used to open these accounts only to be told an investigation needs to be done but that I would need to fill out fraud paperwork. I have asked twice for this paperwork and repeatedly asked for the information used to open the accounts and have received neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting false info.Transunion  and XXXX  both stated they have no late paymeny history on my mortgage payments dueing 2019.XXXX XXXX is reporting 5+late payments.There is no available contact info numbers to contact XXXX XXXX.My score dropped 116 points from excellent to fair.
Product: Debt collection

I thoroughly cleaned the apartment ( refrigerator, stove, ( XXXX ) bathrooms, floors, and garage ) before the lease expired and was charged a cleaning fee of {$250.00}. I received no notification from the leasing office within the 45-day window. I received a collection letter from I.Q. Data Internation , Inc. DEMANDING to be paid on XXXX XXXX and stated that if the amount were not paid during the phone call, I would be sent to collections the same day. I did not know what was going on, I did not know who was calling me because the rental office said I should hear from them ( XXXXXXXX XXXX XXXXXXXX ) within 45-days of the vacate date ( XX/XX/24 ). I reached out to the office and was given the collections number and stated that I had to deal with them. I expressed that I had photos to verify that the apartment was cleaned thoroughly. I am being charged for a cleaning fee and the apartment was already cleaned. The rental office has pictures as well,
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have carefully reviewed my credit history, and these addresses are unfamiliar to me. As a diligent consumer, it is essential for me to ensure the accuracy of my credit report to maintain my financial integrity and security. I have never lived nor been associated with the following addresses. 

Transunion is inaccurately reporting the addresses below to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GL XXXX Transunion is Inaccurate reporting is non-compliant with FCRA laws violates the FCRA reporting laws. Please find enclosed any supporting documentation.
Product: Debt collection

I mailed 2 letters to Ability Recovery Services , LLC requesting that either they provide me with proof of this collection account on my XXXX credit report or remove it immediately and stop all collection practices. I gave them 30 days from XX/XX/2023 and 30 days from XX/XX/2023 to send me full details of this debt including my signature on their application or contract agreeing to do business with Ability Recovery Services LLC or any of its affiliates. They did provide me with a responses from either letter nor did they cesse collection practices. They continue to report inaccurate information to the credit bureau XXXX every month as if I have an agreement to do business with them when in fact that I do not. Attached is a proof of receipt of my letter from the USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX finally corrected my Equifax report on XX/XX/XXXX to save that i wasnt on a modification : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX  comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Va mortgage Comment 3 : Fixed rate And now then changed it back again on XX/XX/XXXX that i was on a loan modification again : The details and comments of your account **** XXXX with XXXX XXXX XXXX changed. This XXXX XXXX XXXX XXXX XXXX  comments changed on XX/XX/XXXX : Comment 1 : Real estate mortgage Comment 2 : Loan modified Comment 3 : Fixed rate I was never on a loan modification it has cased my credit score to drop 21 points due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE AND SHALL NOT BE CONSTRUED AS A DISPUTE. THIS IS A LEGAL DEMAND UNDER THE FAIR CREDIT REPORTING ACT. 

Ive tried multiple times to resolve this with you. Ive tried disputes, Ive tried fraud reports, Ive even asked for verification of the accounts without compliance from you. Your response is always for me to submit another dispute or to contact the creditor directly. But now that Ive learned what the Federal law states on this issue, and the protections Congress has put in place for me as a Consumer, I am invoking my protections and my rights under the Federal law. 

You BROKE THE LAW. You are furnishing my report without permissible purposes 15USC 1681B. You do not have the legal authority to furnish ANY of the negative items that are on my Consumer report without my permission.

You dont need specific account numbers as I am referring to ALL NEGATIVE ACCOUNTS AND NEGATIVE REMARKS on my report as well as ALL hard and soft Inquiries not attached to open accounts. 

When I asked your representatives if any of these accounts were verified I was told that the accounts are assumed to be correct because the creditor is furnishing them and you reflect what information they provide you. This is illegal because the only way you can furnish information on my report is if I, as the Consumer, verify them. Any other verification under an Investigative Consumer Report involving a 3rd Party or a Creditor can not include specific factual information about my credit record. 15USC 1681A As a result of you breaking the law and illegally furnishing these negative items on my report, it has caused me mental distress as well as financial hardship. 

In accordance with the law I do not need the accounts verified because I am the only one who can verify them and I never even gave written consent for them to be furnished 15USC 1681A. 

I need all negative items, all negative remarks, all charge offs, and all hard and soft inquires not attached to open accounts removed immediately. If this Consumer report is not brought into compliance within 30 days I will be forwarding this important issue to the Attorney Generals Office. 

I have attached screenshots of the specific laws aforementioned for your records.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : 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 and list of Inquiries. 


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: Mortgage

On XX/XX/XXXX I enter a building contract with XXXX XXXX, a Toll Brothers Company. I gave them the required {$2000.00} earnest money deposit and completed the VA Loan application that very day. I was approved for the loan within the hour. XXXX XXXX began construction on my home in XXXX, XXXX. However the Covid 19 Coronavirus struck in XXXX and basically shut XXXX XXXX   down. I have experience nearly a {$50000.00} lost in income and as of XXXX was disqualified by TBI Mortgage for their new home. TBI Mortgage is owned by Toll Brothers, who also owns XXXX XXXX. Under the VA Loan program and the Mortgage Contingency Clause, should I fail to qualify for the loan I am entitled to receive a refund of my earnest money of {$2000.00}. XXXX XXXX has threaten me with a lawsuit of not less than 5 % of the cost of the home, which was {$390000.00}. I was also threaten with arrest for trespassing if I was ever found to be on the construction lot without prior approval. Because I am a XXXX  XXXX   XXXX/XXXX/XXXX, I take the Building and Fire Codes rather seriously. That is not the case with XXXX XXXX or the City of XXXX Idaho who was responsible to conduct all Building Inspections. They both failed terribly.
Product: Student loan

Navient is harassing the co-signer to my loan, forcing them to make payments and causing the co-signer 's credit appear as if their delinquent. Navient offered to work with us whatsoever and informed us that we exhausted all of our options regarding hardship, unemployment, etc. XXXX informed me, today, that my loan is current and the next payment is due in XXXX 2016 of approximately {$300.00}, however, Navient informed the cosigner that this amount is due immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX  Date of Birth : XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Employers XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this information with the credit reporting agencies, contacted LoanDepot via phone and certified mail. As of today no one at XXXX and delteepot can locate the negative information in their system. For one, the reported information is illegal, and violates my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ). I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 )
Product: Credit card or prepaid card

Brought in a motor for installation. The company installed it incorrectly. They kept the car another week after charging me, trying to fix the issue, and then suggested I take it to XXXX. XXXX had to take the engine apart to find out the original company installed it incorrectly. I ended up paying XXXX to finish the job correctly. By the time XXXX informed the engine was installed incorrectly, both companies had had the car over a week trying to analysis the problem. The original charge on the card was on XXXX. XXXX diagnosed the problem and fixed it XXXX and on that day I found out it was a mistake by the original company I filed the complaint. I had all the bills and reciepts for work and on a recorded line asked who to send them to. I was told they would contact me don't send anything then. Later I get a notice the dipute was declined because of my failure to provide these documents. Basically time is up on the dispute because they needed the documents they told me not to send. Currently I have paid to have my engine installed twice and can't afford it. The lady I spoke with today told me I waited too late and I asked her to look at the dispute... it the same day XXXX discovered the issue!!! and with lots of time within the guide lines if they had not told me not to send my reciepts and documents. Everything was reported well within the guide lines but Chase refused to accept my documents. Again it was all on a recorded line. The images I attached probably won't help much they are the second payment for engine installation and the bill that shows the engine was miswired by the original mechanic, which caused it not to work.