23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - I co-signed for a vehicle - I was notified that the vehicle was involved in an accident and totaled - Insurance would pay the loan this was in XXXX - then I received a letter from Ally that payment was not made - I called the insurance company they did process the payment, I called Ally back the girl I spoke with, XXXX, said it takes 3-4 weeks and to make sure I called back to check or Ally would notify me. I waited and the payment was received - I got another letter late XXXX regarding a balance due - I called Ally and the Primary Acct. holder made payment arrangements for the balance of {$1500.00} - I said ok. I got another letter from Ally stating that the balance was still outstanding this was in XXXX. I was told that contact was made and I would receive a letter once the loan was paid in full - In XXXX I got another letter and I called and I said look I'm paying this balance and I'll go after the Primary for any money I was out and I paid it in full XX/XX/XXXX in Amt. of {$1600.00}. I did it through XXXX XXXX XXXX ( PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX CARD XXXX - I was then astounded that it landed on my report - I disputed both on my report and Ally - Ltr received XX/XX/XXXX from Ally they will not remove it from my credit report. I called and said why, I paid even when Ally was still waiting and dealing with the primary account holder person. I paid the balance in full - I have worked to start healing my credit and I should have been told on the first call what they were going to report. I paid it in total. Ally Acct # XXXX Ally XXXX XXXX XXXX XXXX MN XXXX - ( T ) XXXX - It is still showing on my report in the amount of {$1500.00} and Ally said no it was accurate credit information furnished to credit reporting agencies - The Credit Agencies said Ally has to request it to be removed. Please any help is so greatly appreciated.
Product: Mortgage

I have a discover credit card. I got an email from discover saying consolidate debt with low interest rate. I clicked the button to investigate the offer. I entered some info next thing I knew they ran my credit. Ok fine. Then after going through the process I got an email from discover home loans. I was confused. Turns out they werent offering me debt consolidation but rather a home equity loan. I did not want and would not have applied for a heloc. When I went back to the original email I noticed in big bold letters it mentioned low rates and consolidating and in small letters it mentioned tap home equity. I then also noticed that at the bottom Of the email it said the email was about my credit card ending in the last 4 digits. I feel discovers marketing team set up their email to be deceptive pretending this was just a regular loan when in fact they were planning to attach themselves to my home which i co own with my partner. I think they should be more up front and should send emails even introductory emails from discover home loans not under the disguise of my credit card. They purposely aimed to deceive me into applying for what I thought was a regular loan. Then when I emailed them to withdraw the application they didnt and continued to email me to give them more info for my application. I then had to speak to two people to get them to cancel the loan. I shouldnt have to ask twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with GM Financial I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove, and, or update the unverified account listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. '' XXXX Account # XXXX I'm concerned with this account as this is causing stress upon me not reporting accurately. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient fundo when transactions were thor ( XXXX ) ), I wa harged ) ees due to lagged posting of chaiyes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I received a call from a person no name or company was introduced! From XXXX a me asked me to verify my SSN/ info I refused! Said he calling from CONTRACT CALLERS I see they have a diff number when I said Im not familiar with his co he hung up as I searched there number is XXXX he said he had all my info here and he cant release my info without me verifying its me! 


I also got 2 text today from ppl I dont know this is a new number I have and I get all type of calls and text to say the least I place a block on text. 
Some jobs dont seem right either just want to gather your info~ like this one XXXX XXXXXXXX XXXX XXXXXXXX XXXX Less than 10 minutes left! Your one-way interview for XXXX XXXX is coming up at Monday, XX/XX/XXXX XXXX EDT! Click the link below to get started, or join from your computer using the link in your email. 
XXXX XXXX XXXX  If you can't attend, please reschedule or cancel with the link : XXXX  : XXXX And XXXX which I finally spoke to mgt but no job offer/ the recruiter was weird we spoke about trips etc then she called me back to say apply for another XXXX said she sent my info out but I heard nothing back I was fed Govt worker
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXXXXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card opened at XXXX  on XX/XX/XXXX under account number ( XXXX ), a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under Account number ( XXXX ), a Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), and an inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I purchased a home in XXXX 2015. I needed to get homeowners insurance, so my Father went to XXXX and met with an agent named XXXX XXXX to get a quote on my behalf. My Father gave me the quote but my mortgage company was able to find me a better option that I decided to go with. A few weeks later I received a statement from XXXX. I emailed the agent and told her that my Father went to see her for a quote and that was it. I had never met her, spoken with her, or signed anything to get insurance from XXXX. I thought I had made this clear until just recently, when a collections agency reached out to me. I 'm appalled that this can happen and potentially hurt my credit
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION HAS SOME ACCOUNTS ON MY CREDIT THATS NOT MINE AND THEY REFUSE TO DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I was informed by the North Carolina Division of Employment Security that someone fraudulently tried to claim unemployment insurance benefits by using my name, date of birth, SSN, home address, and place of current employment. ( My employer alerted me to the fraud, and instructed me to contact NC Division of Employment Security. ) Thus, my identity was apparently stolen.

To check my credit reports ( as Identitytheft.gov recommends ), I used XXXX. I succeeded in obtaining credit reports from XXXX and XXXX, but I could not obtain my credit report from Equifax -- because of apparent problems in verifying my identity. Oddly, for identity verification Equifax asked questions about loans and accounts that were not mine ( and to which I replied " none of the above '' ). 

Does this problem with obtaining my Equifax credit report signify that someone is already using my identity fraudulently in financial transactions?
Product: Mortgage

I was sent an email by Guaranteed Rate with a link to register online and make payments ( www.rate.com/servicing ). However, that form only accepts 10 digit loan numbers. All of the documentation provided to me by Guaranteed Rate clearly lists a 9 digit loan number, and I am unable to register an account in order to make a payment.
Product: Credit card

Notified by Capital One Credit Fraud alert the new credit card application was submitted under my name. 
I or any relative have not made a new credit application. 
I notified XXXX credit XXXX, XXXX, and XXXX credit bureaus and placed a credit alert.
Product: Payday loan, title loan, personal loan, or advance loan

As an employee for United States Postal Service this loan was taken out and shortly after I no longer was employed with the company. The rates were extremely increased other than what I was told. I tried to make payment arrangements instead a large amount of debt was added to the original loan amount. Yet no documentation on how this matter would be handled was given. This debt is completely unfair and I am kindly asking that it is removed upon my request. Thanks
Product: Debt collection

I am contacting you to request the deletion and removal of the accounts and information mentioned below from my consumer report. It is imperative that these accounts and associated details are not reported on my consumer report, as their inclusion violates both the FDCPA and FCRA. I insist that you take immediate action to delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. Please proceed with the removal of these accounts and information without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

i didnt do credit inquiries with this companies.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There is inquiry on my Equifax credit report that is fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX XXXX XXXX - XX/XX/year> XXXX
Product: Checking or savings account

Used a Chase ATM to withdraw {$700.00} from debit card. Chase ATM did not dispense cash " This device has experienced a technical problem ''. However the money was withdrawn from my account. Chase branch was very unhelpful and told me to settle with my own bank, but my bank says Chase has my money! Chase continues to be unresponsive and unhelpful. Details of transaction below : XX/XX/17 XXXX XXXX XXXX # XXXX Card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA Term ID XXXX Sequence # XXXX
Product: Money transfer, virtual currency, or money service

A wire was sent to a non existing account at XXXXXXXX XXXX  for {$6300.00} on XX/XX/year>. I have attempted to have Chase Bank resolve this issue over the last 3 months. They informed me that they made over 5 attempts to contact XXXX XXXX  I filed a complaint with XXXX and was told that Chase Bank never contacted XXXX regarding this wire. The money never went into an account so it is sitting there and I need it recalled so it can be put back into my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a moneygram transaction today XX/XX/XXXX for XXXX plus a XXXX fee by moneygram to XXXX. XXXX was XXXX. Moneygram sent to the wrong person. I called them immediately and said cancel. These transactions normally take 10 minutes. The man on the phone said he would cancel it. The transaction still said in process. He put me on hold twice and never cancelled. Then he decided to transfer me to another person and in the meantime the transaction said completed. The woman then said there was nothing they could do. They intentionally waited the 10 minutes for it to go through so they didn't have to cancel. Their rules are specific and say transaction CAN be cancelled before they are received on mobile wallet. But moneygram did not follow the rules. I want my money refunded
Product: Debt collection

I disputed the debt with all 3 credit bureaus on XX/XX/XXXX and again through XXXX XXXX on XX/XX/XXXX - all results were in and the debt collection was removed from my Credit Report because I paid off the amount on XX/XX/XXXX and balance was on XXXX. On XX/XX/XXXX the collector put a claim on my report that I owe the amount of {$160.00} to which I had already paid on XX/XX/XXXX. I have supporting documents of the debt being paid off and the collector reporting this yet again after the dispute results were in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to request my free credit report from all 3 agency using the XXXX XXXX XXXX  website but after entering the requested details none of them are working. Either errors out or asking me ti send information via regular mail. Trying to get the report in the past week multiple times, the site never worked. It's either redirect to the agency site where I have enter additional info and then errors out, or simply doesn't work at all.
Product: Mortgage

Loan Modification Application was sent via email ( XXXXXXXXXXXX ) to Ocwen on XX/XX/XXXX. Additional documents were requested on XX/XX/XXXX by the plaintiffs attorney XXXX , the request was based on the borrower seasonal income period worked, that request was responded to and the question addressed via a letter of explanation XX/XX/XXXX. On XX/XX/XXXX updated documents were sent for the continuation of the modification review. Once again another request was sent regarding the borrowers seasonal employment, a letter of explanation was sent and also proof ( class schedule ) start and end time of the seasonal employment. Due to the delay in review, Ocwen then requested updated documentation for the co-borrower, this request was adhered too, however the delay in review and the sporadic erroneous request kept on for almost two months. With the most recent being XX/XX/XXXX, where the servicer has revisited and requested additional information on paystubs that were submitted since XX/XX/XXXX. 
The requests are unnecessary and a delayed tactic that the servicer is engaging all requests were responded to and all questions addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : LexisNexis XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.