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

I leased a vehicle in XX/XX/XXXX, and financed it with Ally Financial. In XX/XX/XXXX I refinanced the vehicle with my bank XXXX XXXX XXXX XXXX. Ally Financials agents over the phone told me for months numerous times that the vehicle title would be coming in the mail. Months later no title came in, my XXXX XXXXXXXX XXXX increased my APR and loan rate due to no vehicle title being provided. In XX/XX/XXXX Ally Financial agent stated that I still owed {$20000.00} on the leased vehicle before it would be paid off. I then said that I would remain with Ally Financial since this new information occurred, I requested for a refund of the pay off check I used to refinance the car to give back to my bank. Ally Financial stated that they were refunding the check and that I would receive the check in 10-15 business days. I calculated that by XX/XX/XXXX I should receive the refund from Ally Financial. No check came and now I am receiving calls from Ally Financial that my vehicle is at risk of repossession. An Ally Financial agent called today and stated that the refund check was approved on the XXXX of XX/XX/XXXX, but the key was entered incorrectly so the check was not sent out. The agent then asked to take money off the refund check that is owed dating back to XX/XX/XXXX. Ally Financial was holding my refinance vehicle title hostage and strong armed me into staying with them. Now they are holding my refund check hostage and now threatened with my vehicle being repossessed although they have not sent in the check and asking for more money.
Product: Checking or savings account

I first reached out to Citibank to notify them I am representative for an estate for a deceased member on XX/XX/XXXX. The decedent lived in XXXX, AZ for more than 20 years and that is where my business is located. There is no local branch. The closest branch is about 3 hours away. I received no response and Citibank refused to update the address on file. As the Estate was winding down, I again wrote a letter to Citibank on XX/XX/XXXX to demand they close the account or release beneficiary information, if applicable. I've submitted certified court documents to prove my authority as well as an original death certificate. I also provided a copy of the husband 's death certificate, who is also listed on the account. I received a generic response indicating I could complete a small estate affidavit. I can not complete a small estate affidavit as the Estate is not small, and I have authority to administer the Estate by court appointment. The letter was sent by certified mail and a receipt was received. We also received documentation back which indicated they had been scanned by Citibank. When I called the Citibank Priority hotline, the representative indicated nothing was scanned. On XX/XX/XXXX, I again submitted my documents, this time by fax, waited a couple days and called back. Again, nothing was associated with the file and the representative would not provide information. We reached out to the branch in XXXX, CA where the account was likely opened, but the branch manager referred us back to the Citibank XXXX hotline. Again documents were submitted and Citibank claims they have received nothing. I am unable to close the Estate as Citibank is withholding Estate assets, or information regarding beneficiaries. It has been nearly a year and it is unfair to the beneficiaries of the Estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and was instantly stressed and depressed because I had inaccurate information on my report. My reputation with the banking system has been destroyed simply because these companies are reporting inaccurate information. I don't have contracts with these companies and there are unauthorized inquiries on my account as well. Someone used my personal information without my consent! I've reached out to the credit bureaus over XXXX days ago and they still haven't responded. I know they have to respond and they need to be help accountable and remove all inaccuracies immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  reporting immediately remove or block XXXX XXXX XXXX  reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.
Product: Credit card

XXXX XXXX of Continental Finance did knowing know about my discrimination claim and failed to provide investigation report. Continental Finance has discriminated against me due to the color of my skin, by closing my account without validation, Also I want to file an alternative dispute but due Continental Finance polices, they have failed to file my request for arbitration. I will file a claim in Federal court under the Recovery Act.
Product: Debt collection

My account with XXXX XXXX is past due in the amount of {$810.00}. At XXXX XXXX   central time XXXX XXXX XXXX telephone number XXXX XXXX   and XXXX who claimed she was the Manager spoke to my wife and told her how much the past due bill was. She inform them that they were not allowed to discuss my personal debt with her and they both continued to say it was ok and that because she my wife they could discuss the matter. I never gave them permission to discuss my debt with anyone. They said the phone call was being recorded and they did nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX never lived here not my address in accordance with the Fair Credit Reporting act experain ; 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: Mortgage

I filed a complaint requesting the itemization of a deferred non-interest bearing balance on a loan from Nationstar mortgage. The response provided did not itemize the amount in question of {$58000.00}, rather the response actually said that the amount I thought had to be paid back after the 40 years is actually a principal forgiveness. On all of my statements there is a non-interest bearing balance where I have to pay this back. I called Nationstar on XX/XX/XXXX and I was on hold a few times throughout the 30 minute conversation which finally resulted in the rep telling me I see the letter that says principal forgiveness, we are confused and need to investigate and we will get back to you within a day. This company is confusing customers with their language and themselves as well. If the rep understood the agreement as actual forgiveness why do my modification papers say it is deferred and has to be paid back if I sell or transfer property. This is a distress to homeowners and an unfair practice, again this property is nowhere near being worth {$190000.00} in the crime ridden englewood neighborhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not mine. It needs to be removed from my Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, and someone took out an auto loan in my name. The fraudulent loan is from XXXX XXXX XXXX. After calling the credit bureaus they asked me to submit some documents to help me recover my credit since the loan had gone delinquent it was really hurting my credit. I sent in the proper documents that the 3 credit bureaus requested me to send them. They requested a identity theft report, and police report, which I provided as well as multiple documents verifying who I am specifically, my drivers license and a loan payment as verification. I have sent in this information to recover my credit and in no less than a couple of months BOTH XXXX, and XXXX  promptly did a thorough investigation, and removed the fraudulent account. Unfortunately, Equifax has NOT done a thorough investigation even once of this fraudulent account, I know this because I've spoken to the original lender chase, and they said they HAVE NOT received any such documents from Equifax which proves that when Equifax says they have " verified '' this account there's no WAY they can verify it if they haven't actually sent my documents to the lender. If they did, then they would have removed it just like XXXX  and XXXX have. I've submitted this information over 7 times already, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax has done nothing new, all they say is that the creditor has verified the account, when I know a proper investigation has NOT been carried out, my rights are being violated, please help me. Equifax has all the records and paperwork that I've sent it, so no need for me to attach all the documents here. 

XXXX XXXX
Product: Debt collection

On XX/XX/2017 I contacted XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$XXXX}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I am writing to remove all the unauthorized inquiries reporting to my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquires that I do not recognize on my XXXX and Equifax credit reports. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX , CO XXXX ; XXXX XXXX XXXX XXXX XXXX , CO XXXX ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB:XXXX SSN : XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear : Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXXXXXX XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


3. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I received an email from Coinbase that an unauthorized phone number and email account tried to access my account.I followed the prompts on the app to lock the account. And then days later I tried to unlock the account and I kept getting rejected saying that the photo of my drivers license was not clear, i did this several different times. Then I called customer Service and they stated that the email regarding the unauthorized access was sent to me in error and that pictures of the license were clear and she would manually push the verification through. But there was an error with the site and she asked me to access chrome, and so i called back later. When i called back the rep was rude, said that the pictures weren't clear, he refused to let me talk to a XXXX and he refused to give me a number or email address to log a complaint through their company. I have repeatedly tried to upload pictures of the license, taken by XXXX different people with XXXX different phones, and I get the same error message. Please help meI have been locked out of my account for over a month and have no access to my money
Product: Credit card or prepaid card

My Citbank Home Depot account has been closed for several years. As it is closed I am not able to pay online, in the store, or by automated phone process. As a result I must mail in my payments and I believe Citibank is delaying the process intentionally. 

Recent examples : On XX/XX/21 I mailed a check in the amount of {$35.00} to THD with the envelope and payment stub provided. The due date was XX/XX/21. THD deposited the check on XX/XX/21 and it cleared my bank on XX/XX/21. I was charged a {$35.00} late fee. XXXX from XXXX, OR to XXXX, AZ should not take 15 DAYS! 

On XX/XX/21 I noticed that once again my check hadn't cleared my bank. When I called for assistance I learned that a collection agency was handling my account. I was also advised that my monthly payment isn't {$35.00} as listed on my statement. It's actually {$71.00} per month and I was behind. I made payment by phone to the collection agency in amount of {$130.00}. It cleared my bank on XX/XX/21. 

On XX/XX/21 I mailed a check in the amount of {$60.00} to THD with the envelope and payment stub included. It was stamped received by THD on XX/XX/21 and cleared my bank on XX/XX/21. The collection agency had no record of this payment when I called. Again, it shouldn't take 20 DAYS for mail to go from XXXX, OR to XXXX, AZ! 

I received my statement today and received another {$35.00} late fee and a bill for {$130.00} due by XX/XX/21 - which I'm certain will be late regardless of when I mail it given the recent trends. 

I'm convinced my checks are not processed in a timely manner and are being pulled for special handling resulting in a delay and more late fees for me. 

In addition, I was never advised a collection agency was handling the payments, nor have I received any billings from them. 

This entire situation is set up to make it impossible for me to pay on time and they are stealing from me through late fees caused by their own hand.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than XXXX years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.
Product: Debt collection

Initial communication was when I sent a certified mail receipt letter of " debt verification '' to the Head Debt Collector XXXX XXXX XXXX Linebarger Goggan Blair & Sampson on XX/XX/2022 regarding tickets/coupons : XXXX, XXXX, and XXXXThis is an " unauthorized use '' of my " credit card '' 15 USC 1602 ( p ). Linebarger Goggan Blair & Sampson 's debt collection practices are preventing me from attaining my license/credit card. In correspondence with my debt verification letter, on XX/XX/2022 Linebarger Goggan Blair & Sampson furnished a deceptive form to create a false belief that I owe debt and mailed it to my place of abode. Linebarger Goggan Blair & Sampson did not even care to respond to debt verification letter using unfair and unconscionable means to collect or attempt to collect this debt. Within this notice of debt form Linebarger Goggan Blair & Sampson is claiming to be " attorneys at law '' and they are vouched by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a clear violation of 15 USC 1692e ( 1 ) and ( 3 ). The notice contained several other violation of my federally protected consumer rights
Product: Credit card

Mine identity was stolen. By the credit Burace in XXXX employees took mine personal information. Please investigate XXXX employees office in XXXX. They are comiting identification fraud crimes. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 10 student loan accounts that are all reporting as as COLLECTION from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " CURRENT '', it is severely hurting my score.

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.
Product: Mortgage

Ocwen Loan Servicing acting as the Servicer of this Mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX. The direct violation of HBOR law is based on Ocwen Loan Servicing improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax. Ocwen Loan Servicing illegally commenced and is conducting a foreclosure without attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing instructed and allowed the foreclosure trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing and know your options website gave the result that we are eligible for a Loan Modification with a lower payment to save our property. So there is no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Product: Credit card

XXXX of XXXX, I the consumer-initiated payment processed to satisfy debt with Capital One, at the time I had a credit card that was at limit and simply wanted to pay it off. As a consumer I sent in my remittance coupon and requested to either have the payment applied to the account. in addition, NOT to have account closed suspended or terminated or frozen. A few weeks later I received a notice on my credit report that an account has been closed. Without warning Capital One had closed my account. A week later a notice was sent stating that the account was closed due to activity not consistent with their expectation, and violation of agreement. I always paid my notices on time and proposed a settlement which the company decided not to accept. I, the consumer has not violated any terms of the agreement. I am filing this report due to account being wrongfully handled and now these actions have caused my family and I great deal of injury. Capital One has added fees since the account has closed. In addition, selling my consumer information to third party debt collectors! I am needing to get this matter rectified and removed from my credit report. As of XXXX this account has been charged off by capital one. I have sent correspondence to advise of opting out of sharing my information.
Product: Credit card

This account has been closed since XXXX. It needs to be removed as it is outdated and inaccurate saying Im missing payments when it is a closed account