23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

STUDENT LOAN : ALL XXXX XXXX XXXXXXXX/ XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.
Product: Vehicle loan or lease

I want to file a CFPB complaint against Ally Financial for abusive practices. My car loan with them is for a single borrower, myself. None of my family are on my car loan as co-borrowers. They were listed on the initial paperwork as emergency contacts only. 
Ally has called my brother and my parents and have done the following : 1 ) Identified themselves as a financial institute trying to get a hold of me for my car loan.

2 ) Have asked my family if I am dead.

3 ) After talking to my family, Ally proceeds to call them continually to harass them to get me to call them even after they have asked them to stop. My family has been told not to talk to them or take their calls.

4 ) They have contacted my parents using a phone number that they recently obtained, and was not listed on the emergency contact information.

5 ) They call my cell, leave text messages, and have called my work number all in the same day. They do this every day, except Saturday and Sunday
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Checking or savings account

I opened an account with Capital One 360 Bank in 2014 i made some deposit into the account that were placed on hold since then I've been contacting capital one 360 bank Security team to try and get the funds but still haven't gotten the funds left in the account.
Product: Mortgage

Dated XX/XX/XXXX/ received XX/XX/XXXX, I got letter after waiting months calling ocwen about modification letter state you approved for assistance if you complete the 3 trail paymentXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX/ I began calling asking about modification claim it was getting process ask speak to the modification department say they didn't have one, can I speak to XXXX department I was told had write XX/XX/XXXX new pack I call ocwen right away that I disagree with decision and this is not modification what is this the woman XXXX say it's modification it go in to XXXX I said what I be all most XXXX old 'she continue talk I said my loan is not correct- XXXX I owe on my home {$140.00} and some more principal ocwen claim XXXX claim I owe $ XXXX.So I  Began writing letter have not got no respond from ocwen or XXXX department /ocwen, XXXX have falsified document and claim my husband XXXX XXXX agreed underlying his loan claiming he agreed XXXX call it pass through, Ocwen they both have falsified legal document on XXXX XXXX XX/XX/XXXX claim he came in to agreement for loan to security amend and supplements 1 the mortgage note/ ocwen record another mortgage note illegal did it in XXXX XXXX TX Clerk office
Product: Mortgage

The insured property address is XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX. We are Flagstar Bank Loan # XXXX. 

The fire settlement check came in from XXXX and was overnighted via USPS Priority Mailed 1-day Express on XXXX to Flagstar Bank ( XXXX, XX/XX/XXXX ) to deliver XXXX ( Not sure their XXXX work day schedule ). I conformed to Flagstar instructions on the mailed signed/dated Letter of Intent. 

As I followed-up ( please see the attached emails ), I was told they didn't need anything else from me. 

In further following-up, the story changed. I have talked to many of their customer service staff, as shown on the attached correspondence and handwritten notes. 

I am currently awaiting a supervisor to call me back re : expediting payment processing. I have attempted to consult their legal team, to no avail. 
Our team has contacted the Federal Reserve Consumers Helpline XXXX twice, and I have informed Flagstar of that. XXXX at XXXX told me to contact you as the Flagstar Bank Regulator. Today, I called CFPB ( you ) contact center at XXXX, spoke to XXXX who told me online was faster. 
The Flagstar story is that a 2nd duplicate signed/dated Letter of Intent was required. As of this morning about noon CST, XXXX, the Flagstar customer service contact XXXX # XXXX told me they haven't scanned the 2nd LOI yet, and then the 15-30 days clock starts again. I have also spoken this morning with XXXX ( XXXX ), # XXXX in an attempt to reach a supervisor or legal representative. XXXX has been the best one there, so she gets a gold star for concise info. 

Part of our tenacity on this matter is that we aren't the only ones probably that Flagstar is pulling this on. Flagstar also charged me another mortgage payment on XXXX for the loan that they received on XXXX the XXXX settlement-in-full check. 

We have another loan awaiting the proceeds to pay off, and business expenses ongoing for this investment property. 

I am an educator in the world of learning differences, so this property is an investment diversification for me. 

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

n XXXX-and XXXX of the year XXXX my credit account had become past due with XXXXXXXX XXXX XXXX, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through Experian, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with XXXX that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to XXXX and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure XXXX knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Trans u nion is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.     2 ) Inquires not authorized by me are on my file and should be removed and have not been removed.
3 ) Dis  puted accounts have not been removed after the 30 day limit to respond by the creditors Thank You  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian, I am unable to establish an account to unfreeze my credit reports and the company has an incorrect email address to confirm my identity. I can not get a human on the phone to correct this problem.
Product: Checking or savings account

Hello. I have a XXXX XXXX  checking account with Chase. On XX/XX/XXXX, I was charged almost {$500.00} from an electrical company located in XXXX. I disputed it with Chase immediately and was given a new card. I was temporarily credited that money. Fast forward to today, XXXX this money was charged back to my account and my claim was denied. They told me that because my token ID was added to the account they believe I approved the transaction. I had never heard of the company. They claimed my XXXX  wallet had been used for multiple other charges previously and been approved. Once again, I have never purchased anything through this company. So, they will not give me back my money or help me to do prove it. Below are screenshots proving that I was not located in XXXX on XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I am being charged on my medical debt I agreed to make some payments and the debt would be taking off..also the fair credit reporting act shows that of XX/XX/2022 medical bills are not supposed to show or hurt me on my credit which this has stopped me from gettin loans because XXXX is using it hard inquiries against me with XXXX XXXX and the others still showing it also.Also I was never gave the option to opt out of my information being shown to the public so Wakefield and associates who is the debt collectors have also violated my rights by sharing my info to my credit without my permission per being able to opt out or not I addressed this with them and they told me I didnt get the option to opt out and also told me that it didnt matter because the fair reporting act of 2022 was not a law
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a compliant about Hyundai and how the incorrectly report a balance in XX/XX/XXXX and I requested information on how they got this incorrect balance in XXXX it was XXXX and XXXX there was balance. I wanted proof of this and they ignored my request. 

Now they are saying they are going to update the tradelines. THAT IS NOT WHAT I ASK FOR. This is their fault and now has been a year fighting with him to adjust this. I will not set back anymore and let them do what they want, I want the tradelines deleted COMPLETELY from my credit report XXXX 

I should not have to spend my time filing complaints after complaint all because they wont do their jobs right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING THE ATTACHED ACCOUNTS FOR ALMOST A YEAR NOW, I AM VERY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY FILE. THE ACCOUNTS ARE PAID OFF AND I WOULD LIKE THEM TO BE PERMANENTLY DELETED OF FMY CREDIT FILE. THOSE ACCOUNTS HAVE BEEN OFF MY REPORT PREVIOUSLY AND REAPPEARED WITHOUT MY KNOWLEDGE. PLEASE REMOVE THOSE DISPUTED ACCOUNTS OFF.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I received a referral invitation to apply for a SoFi personal loan. When I opened the link, I was prompted to fill in my information to check if I was preapproved for the loan. SoFi soft pulled my credit report and I was indeed preapproved, they displayed the amount and the interest rate I was preapproved for. Based on that, I decided to proceed with my application. During the application process, they requested that I upload live photos of the front and back of my drivers license, they sent a link to my cell phone that asked me for permission to open the camera and take the photos. The application went under review. On XX/XX/2021, they hard pulled my XXXX report. On XX/XX/2021, I received a phone call from XXXX at XXXX XXXX ET, I was at work and I couldnt pick up the phone. He left a voice message asking me to call him back. Five hours later, I received an email from SoFi informing me that my application has been denied because theyre Unable to verify my identity. I found this process to be very deceptive and unfair. I was already preapproved for the loan, they obtained my credit report, I uploaded LIVE photos of my drivers license and I was asked to provide my checking account information at another institution during application, this works as a second layer of protection because SoFi can cross-match the identity information of the checking account owner. Its worth noting that this loan was for {$5000.00}. I had 4 car loans in the past from 3 different banks, I never had an issue and none of them operates like SoFi. If you for any reason still want to verify customers identity, you could ask for photocopies of SSN, W2, or just wait for them to call you back.
Product: Credit reporting or other personal consumer reports

The accounts listed below are all listed improperly and it is law to report accurately on consumer reports. 

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: Vehicle loan or lease

Today the car was repossessed and Ford credit is not giving the opportunity to pay the passed due amount to reinstate the lease I made a payment of XXXX on XX/XX/XXXX the payment each month is XXXX, because of it being less than what 2 months is totaling they said they dont accept partial payment s, this is news to me. They didnt credit or refund the money then? They are refusing to work with me during this difficult time. I would appreciate any help to reinstate the lease. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following account be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and as a result, this account was opened without my authorization.

Account Details : XXXX XXXX XXXX XXXX Account Number : XXXX ( last digits omitted for security ) Date Opened : XX/XX/year> Balance : {$1900.00}
Product: Debt collection

I sent a certified letter to Cooling & Winter, LLC on XX/XX/2021 which included a Affidavit of Truth ( notarized ), and a Cease & Desist letter with Exhibit A, and B. As well as an invoice for {$4000.00} for violating my Federally Protected Consumer Rights.

Violations : *15 USC 1692g ( c ) *15 USC 1692b ( 2 ) *15 USC 1692g ( d ) ( e ) *15 USC 1692i ( b )
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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX
Product: Vehicle loan or lease

To Whom It May Concern, I am submitting this formal complaint regarding my loan with XXXX XXXX and the unresolved situation surrounding my totaled XXXX XXXX XXXX. Despite clear communication about the total loss status of my vehicle and the presence of GAP insurance coverage, Westlake Finance has failed to finalize the loan and collect the car. This has resulted in ongoing confusion and improper demands for payments, which I am seeking help to resolve. 

Key Issues : Car Totaled in Accident ( XX/XX/XXXX ) : On XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident caused by another driver. The at-fault driver had liability insurance through XXXX, who assessed the vehicles value at {$16000.00} and declared it a total loss. I have attached the total loss letter from XXXX as proof of the vehicles totaled status. 

Failure to Finalize Loan and Collect the Car : Westlake Finance has been informed that my car was totaled, and I have communicated the total loss to them. On XX/XX/XXXX, I was told by a representative from Westlake Finance that they would pick up the vehicle. However, as of today, the car has not been collected, and I have not received any further communication explaining the delay or the next steps. This failure to follow through is causing unnecessary confusion and financial strain. 

GAP Insurance : Westlake Finance has GAP insurance on the loan, which should cover any remaining balance between the insurance payout and the loan amount. This should have been applied to finalize the loan balance, but instead, I am being asked to make continued payments on a car that is no longer in my possession. I have provided proof of the XXXX insurance payout and the GAP insurance policy, which should resolve the remaining balance on the loan. 

Continued Requests for Payments on a Totaled Car : Despite the car being declared totaled by Geico, Westlake Finance continues to demand monthly payments. I should not be responsible for payments on a car that is no longer in use, and I expect the loan to be settled with the insurance payout and GAP insurance coverage. 

Inconsistent Communication and Unresolved Issues : I have made multiple calls to Westlake Finance, but each time I receive conflicting information. Some representatives tell me that the car will be picked up soon, while others indicate that the loan can not be finalized until the vehicle is physically collected. I have not received any clear timeline for when the car will be collected, nor any resolution on how the loan will be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX NA XX/XX/2018 unauthorized COLLECTIONS XXXX   XXXX XXXX not mine XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have absolutely no idea why this continually keeps calling nonstop during business hours and after hours as well as weekends. I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX  credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX Date Opened XXXX XX/XX/2015 Balance : {$0.00}
Product: Credit reporting

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Product: Credit card or prepaid card

Hello, I got a visa prepaid car with XXXX a few months back. Out of the blue they close my account which I don't really care. But when I ask for a refund for the remaining balance they started blackmailing me into showing them various documents in order to get a refund. Then I started posting negative review on line when I saw other consumers complains about the same thing. Specifically when a merchant issues a refund they use it to lie about suspicious activity and then steal consumers money. 
So it is their ongoing fraudulent practice which of course is illegal. Can you please assist me with this? Is not so much about the money as to why should they be allowed to steal and blackmail consumers in this manner. Also they are not a legitimate business and they commiting fraud so of course they are not trustworthy to be shown any document or info about me because their purpose is not legit. Thank you.