23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get Specialized Loan Servicing to review my request for a loan modification and they have not responded or assisted me any fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$7900.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/2020 Balance {$38000.00}, and XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/2020 Balance {$3000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I was in a debt relief program to pay off my debts. To my creditors and friday I received a case from the state police stating i have 20 days to respond i told the relief program and they said they never begun negotiations to my creditors since i have started a year prior. I want to report americor for not helping me with my debt relief and that they did not complete the job they were supposed to help me with instead making my situation worse
Product: Credit reporting or other personal consumer reports

URGENT :!! DEFAULT NOTICE!! 
Recomplaints ( XXXX ) & ( XXXX ) Trans Union failed to prove their investigation as valid and complete. PLEASE PROVIDE ME WITH the name, agent number and position of the representative for the vendor who alleges to Verify AND VALIDATE the debt, And to provide everything in writing involving the communications between both parties, including all information of the of the creditor and access code used for that extension of credit! The Credit Reporting Company failed to report fairly and accurately. If they would like to remedy this issues they would need to remove both XXXX XXXX and XXXX from my Consumer Credit Report. Although I provided sufficient proof of the intent to Opt Out to those corporations, sent to ( Vendors ) exhausting the full administrative process. The Accounts were removed from other consumer credit reports like XXXX, etc. Proof of this claim was also submitted in the aforementioned complaint. However they have yet to be removed from Trans Union 's report. So I Reach out to Trans Union Personally the " Credit Reporting agency '' to inform them that they are " receiving information under false pretenses '' From XXXX XXXX and XXXX and to remove those accounts because they do not have my consent. In accordance with my Privacy right as emphasized in ( Regulation P ) the right to Opt OUT is not a debate. I reached out to Trans Union so that they may remove those accounts off the consumer credit report and remain in honor. It was quite shocking to see the reporting agency not fail to provide an adequate search in such an extensive amount of time but to also not remedy the account upon proof of claim. Instead the Corporation seems to be in favoritism of one party. To aid and embed that company in violation of consumer rights may unfortunately result in RICO charges and civil money penalties for Trans Union and its representatives. If this was caused by a mechanical or Inadvertent error by Trans Union then please remedy the matter as soon as possible since Trans Union has already used its 60day chance to cure. I will allow ( 5 ) BUSINESS DAYS FOR THIS TASK TO BE COMPLETE. If this task can not be completed please respond in writing of the reasons as to why TransUnion refuses to honor my claim. If in the ( 5 ) business days TransUnion does not respond I will assume that the performance was completed.
Product: Vehicle loan or lease

I paid off my lease with a certified bank check on XX/XX/2021 and the check was cleared on XX/XX/2021. Since then, Ally Financial has not sent me anything. During multiple calls on their Customer Support ( XXXX ) line they said that the documents will be sent to me. They also provided a number for Ally Remarketing Department, XXXX. I spent total 5hrs+. trying to talk to somebody who could help. The line is a dead end. 
In Michigan, the lender must notify the secretary of state within 15 days of receiving a final payment. 
Three weeks after they received my payment, I had received nothing from Ally. By definition A lienholder is a lender that legally has an interest in your property until you pay it off in full ''. They received my money and have no legal interest in my car as a lienholder anymore. The amount of time to process the payment and release the title is way beyond reasonable since a processed transaction means the bank has verified the transaction amount and has adjusted the funds accordingly between the bank accounts used.. 
Ally Financial is seizing my title hostage violating my rights to sell the vehicle. I do not owe a penny to Ally and still can not sell my car. Ally Financial does not send me anything ( lien release, buyout package or the title ). They do not refuse to send the documents ; they just simply do not send them. 
I have been unsuccessful with getting anything directly from Ally Financial. I hope that the CFPB will assist me with this matter, Ally Financial honors the agreement and releases the title to the vehicle.
Product: Mortgage

On XX/XX/2024 at XXXX PM, I had an appointment with XXXX regarding a mortgage loan application. 

On XX/XX/2024, XXXX XXXX ( XXXX XXXX | XXXX # XXXX ) Told me to complete a few more documents in the online portal and that she would submit the file to underwriting. However, I never heard back from her again. 

I submitted email request on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for an update. On XXXX XXXX, 2024 at XXXX, XXXX XXXX XXXX a case worker ) responded saying XXXX XXXX never submitted my application for a mortgage and she was unsure as to the reason for the extreme delays. 

In addition, I was Required to pay two membership fees of {$25.00} each ( a total of {$50.00} ), and to upload several financial statements and records to their online portal for loan qualification. 

As of this complaint date, I have never received a response from the XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I was never refunded for the membership fees required to submit my application.
Product: Debt collection

In XXXX of XX/XX/XXXXI was living in a XXXX XXXX XXXX in XXXX, TX the property was being managed by XXXX XXXX. I was having personal and financial issues and was no longer able to make my financial obligations and needed to move. I wrote the property manager letting them know the situation and that I would be vacating the residence at the end of XXXX. I was willing to assist in anyway in order to get new residence in and was very clear that I would pay whatever rent remained. I moved as planned leaving the residence clean and with out damages. In XXXX of XX/XX/XXXXI was served eviction notice for the residence that I had been out of for a full month. I have tried multiple times to reach out to the the property manger in order to make payment arrangements for the remaining balance of {$1700.00}. Now I have a collection with Fair Collections & Outsourcing for this residence. They are now attempting to collect {$9600.00}.
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to discover several incorrect accounts listed on my credit report with no explanation. Ive always kept an eye on my credit, and seeing these inaccuracies come out of nowhere was incredibly concerning. I even tried refreshing the page, thinking it might be a technical issue, but that didnt change anything. I urge you to carefully check the documents I've sent so that I dont have to face this kind of stress again.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my personal information was compromised in the Equifax data breach. As a result, my credit reports contain numerous inaccuracies, including : Incorrect Names : My credit report lists names that I have never used, which do not belong to me. 

Inaccurate Addresses : My credit report includes addresses where I have never lived. 

Unauthorized Accounts : There are accounts listed on my credit report that I did not open and do not recognize. 

Unauthorized Inquiries : My credit report contains inquiries from companies with whom I have never applied for credit. 

These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : Violation of FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] : This section prohibits credit reporting agencies from reporting inaccurate or outdated information. The presence of incorrect names, addresses, unauthorized accounts, and inquiries on my credit report is a direct violation of this provision.

Violation of FCRA Section 611 [ 15 U.S.C. 1681i ] : This section requires credit reporting agencies to investigate and correct inaccurate information when a consumer disputes the accuracy of information on their credit report. The failure to remove these inaccuracies after my disputes were raised is a violation of this section. 

Violation of FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : This section imposes a duty on furnishers of information ( like creditors ) to provide accurate information to credit reporting agencies and to correct and update information when they know or have reason to believe it is inaccurate. The continued reporting of unauthorized accounts and inquiries violates this section. 

The continued reporting of this inaccurate information is causing significant harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : Subject : Dispute of Fraudulent Accounts Due to Identity Theft and Data Breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dillard. 
I am writing to formally dispute an account fraudulently appearing in my credit report for XXXX XXXX XXXX XXXX  I did not open these accounts or authorize anyone else to do so. These accounts result from identity theft, and the information reported is not accurate or authorized by me and must be removed from my credit file and your reports immediately. 

The following accounts are not mine : XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Citi Cards-CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dillards Account Number 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 Balance {$210.00} Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you : 1. Conduct a thorough investigation into these accounts. 
XXXX. Documentation bearing my signature shows that I agreed to pay this alleged debt. 
XXXX. A copy of the original application or agreement that grants any party the right to collect or report on this alleged debt. 
XXXX. Do not contact me until I have received the requested documentation. 
XXXX. Remove any information related to these fraudulent accounts from my credit report. 
XXXX. Cease reporting these accounts to any credit bureau or third party. 
Please be advised that a failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action to protect my rights under federal and state law. 
I expect written confirmation that these accounts have been removed, along with an explanation of your findings, within 30 days of the date of this letter via mail only. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a dispute to Transunion about the following accounts ; XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account XXXX : XXXX, XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX  Account Number : XXXX. It has been over 45 days since I sent this re-investigation dispute and Transunion have not answer as they are required by the FCRA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$280.00} XXXXXX/XX/XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXX/XX/XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX BalanceXX/XX/XXXXXX/XX/XXXX XXXX XXXX : {$19000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I have never had business or accounts with Account name XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX or its original creditor XXXX XXXX XXXX I was not living at the address identification number XXXX after checking open dates & calling original creditors. This is hindering my way of life rite now with me trying to obtain transportation. I demand this fraud account be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for Cash Central from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I  paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents Cash Central referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If Cash Central continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : CASH CENTRALXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXXT XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Being able to get a pay day loan from online apps. They keep loosing connection to my bank account randomly when it has been working fine for months.
Product: Payday loan, title loan, or personal loan

Obtained a NetCredit loan through their website on XX/XX/21. The current balance is owed is XXXX. The payments are XXXX and they are paid every time I am paid on the XXXX and XXXX. The interest rate is 54 %. When you apply for the loan it doesnt tell you if you are approved or not. They just deposit the money in your account and expect you to pay the high interest rates. When you actually take a look at the contract the interest isnt disbursed the correct way. It will take me forever to pay off this loan. If I pay a XXXX $ payment only {$3.00} is going to the principle. Ive called them several times and attempted to have my payments lowered or interest rate lowered .They WILL NOT HELP AT ALL this is against the law. Please help me proceed further.
Product: Debt collection

On XX/XX/20 a letter was sent to me in regards to an alleged debt for the amount of {$260.00}. Today XX/XX/2020 it was reported to all 3 collection bureaus without being validated nor giving me time to even respond. The letter just was put into my mailbox on yesterday. This company is violating my rights and has failed to send me proof validating this debt. I have sent a debt validation notice which I am sure they havent received being I was just given this letter just yesterday on XX/XX/2020.
Product: Student loan

I submitted the requested for the re affirmation form on XXXX and have not yet received the confirmation. Classes started XXXX and my account at XXXX university has a balance and a hold. I have called XXXX and spoke to XXXX managers and no one has been able to assist with getting this letter returned to me. I need this letter to get awarded XXXXXXXX XXXX for the year. I need this letter if not I will owe my school and will have to XXXX from school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXXXXXX XXXX XXXX XXXX  } due to { identity }. Theft } XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : TransUnion : XXXX.2016 and XXXX.2016
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I had a legal name change and removed my middle name XXXX XXXX. XXXX, XXXX, Equifax are still reporting the old information