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

Re : Ally Auto Account Number ending in XXXX CFPB Number : XXXX See attachment with text message from XXXX, ensuring that contract will be updated. 

XXXX, Executive Customer Relations at Ally Bank is reporting that XXXX has reached out to me and that they have not heard back, I have text messages as proof that XXXX was sending me a new contract via overnight XXXX which they never did because the " manager is on vacation. '' It is factually incorrect that XXXX has not heard from me. Please resolve issue I have reached out to Ally today XX/XX/2023. I am writing to dispute the fact that Ally Financial is reporting my business vehicle loan to my personal credit. I was informed by the dealer that this was a commercial loan and that it would not be reflected on my personal credit. This deceitful act is in clear violation of credit reporting laws. This is in clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights to fair and accurate credit reporting. The FCRA prohibits creditors from reporting information to credit reporting agencies that is not accurate, timely, or complete. The FCRA also prohibits creditors from reporting information to credit reporting agencies that is not authorized by the consumer. In this case, Ally Financial is reporting information to a credit reporting agency that is not accurate, timely, or complete. Ally Financial is reporting a business loan to a personal credit report, even though the consumer was informed by the dealer that this was a commercial loan and that it would not be reflected on their personal credit. This is a clear violation of the FCRA.
Product: Debt collection

On XX/XX/XXXX, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me. 

XXXX XXXX XXXX XXXX XXXX XXXX is an assignee who can not produce any information referencing collecting on time-barred debt in PA nor furnishing documentation giving them authorization from the original creditor ( XXXX XXXX  ) that they are the note holder and authorized to collect on a debt that was charged off. XXXX, XXXX XXXX, Specialized Loan Servicing , XXXX XXXX XXXX XXXX, XXXX has violated FDCPA by not responding to my debt validation letter within 30 days under the FDCPA and The Law Firm ( while ignoring my concerns addressing the FDCPA ) contuie to forward me letters stated that I must pay an inflated debt with 15 days being XX/XX/XXXX or they will proceed to foreclose. From my understanding of the FDCPA a consumer is given 30 days notice. Secondly, the letter from the Law Firm is confusing and misleading by stating information referencing foreclosure. 

Please note others who are complaining about being forced into foreclosure with any remedy to justify a debt that was charged off. Please view : XXXX XXXX XXXX
Product: Credit card or prepaid card

I can see that your have a total cashback of {$24.00} on your account, you can redeem it in chat or in call. 
-I never said anything about redeeming but and my cash backs never show up in my account -Citi DoubleCash 1 % buy,1 % when you pay Payments : XXXX statement : XXXX XXXX XXXX $ XXXX = XXXX $ Citi gave me XXXX $ cashback instead XXXX statement XXXX XXXX XXXX $ XXXX XXXX {$0.00} in return
Product: Debt collection

This is a fraudulent charge and I was contacted by the Amex. numerous times and I tried to pay the entire amount just so they would not report as a charge off every other month to pull my credit score down to punish me for the debt, that they deemed fraudulent. I was told to contact the Collection Agency in which I contacted them and was told by them they no longer held my file, I again several times asked to speak with someone in Management who I was attempting to just pay it off and was told no in Management couldn't do no more than the Representative whom I was speaking with and I was denied access to speak with someone in Management. Every other month they hit me with a fresh Charge off as a way to hurt my Credit. I contacted XXXX and shared with them how I was being treated and was told that wasn't the way they were supposed to fix the problem. So again a dispute was initiated by a Representative of XXXX in an attempt to resolve the problem. I have never been told that I could not pay to clear up a matter. I have been trying to get this taken care of since XX/XX/2019.I am a XXXX  and XXXX XXXX XXXX XXXX  XXXX injured in the line of Duty and very limited by what I can not do and I am very frustrated by the total lack of support trying to get this problem fixed so every other month my credit score is damaged by this one Company American Express credit card. Thank you for any suggestions or help you may be able to help me with. 
on
Product: Debt collection

I would like for the DIVERSIFIED ADJUSTMENT to show proof of verification that I owe them {$300.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX - has violated my rights. 

Transunion refused to provide documentation on how the accounts were verified. 

15 U.S.C 1681 section 02 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section Stated : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I have written several letters to Equifax requesting that they correct and remove the following inaccurate personal information from my credit report : The following inquiries : 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. I also filed a complaint with the Cfpb on XX/XX/XXXX about this same issue with Equifax and they still have not resolved the issues. They are in violation of Section 1681e ( b ), ect Accuracy of Report of the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX XXXX  filing this complaint for falsely reporting misleading information. There is no XXXX XXXX involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX2025, I received a notification from XXXX XXXX stating that XXXX XXXX XXXX had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XXXX XXXX, 2025, my electronic virtual mailbox system through XXXX notified me that I had received a Right to Cure letter from XXXX XXXX XXXX. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX2025, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a Federal Trade Commission report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX : XX/XX/2024 : XXXX : XX/XX/2024 : XXXXXXXX XXXX XXXX XXXX  XX/XX/2024 : 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 an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file if no documentary evidence is found in accordance with FCRA, 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 reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continually and consistently failed miserably at maintaining any sense of accuracy, correctness, or fairness with regard to maintaining my credit report. 

During the course of the calendar year XXXX and eight months into the calendar year XXXX, I have disputed the incorrect reporting of duplicate accounts from XXXX XXXX directly with Equifax via mail, certified mail, and online via their customer portal. All attempts have failed, without any reasonable research, effort or response beyond the standard automated response from Equifax. 

The amounts being reported incorrectly are {$3000.00} on one entry and {$0.00} on a second. Both contain multiple inaccuracies, along with information that is simply wrong! These entries and inaccuracies are causing me many issues when trying to gain new credit or extend existing terms. This is not only wrong but illegal!
Product: Debt collection

What is this complaint about? 
Fraud called for debt collection. 

What type of problem are you having? 
Keep calling me and terrifying me. 

What happened? 
This call tried to scare me that I owe the Bank of America an amount of {$3600.00} that I never open an account. However, they have my name on record. 

What company is this complaint about? 
XXXX XXXX from XXXX, NC. It aimed that from Bank of America.
Product: Mortgage

My home was purchased XXXX XXXX XXXX for {$140000.00} the mortgage was sold several times with BofA being the final owner of the loan. There was a XXXX mortgage taken out with Countrywide of {$39000.00} when BofA purchased the loan from Countrywide the mortgage went from {$140000.00} to {$200000.00} my thought was the XXXX was included in the transfer to BofA. I have since been served with intent to foreclosure from a company called XXXX XXXX XXXX who claims to have the deed for the XXXX from Countrywide in the amount of {$21000.00}. I have contacted BofA several times on this issue before I received the foreclosure documents from XXXX XXXX. No one can give me any answers on how my mortgage went from {$140000.00} to {$200000.00}! The auction sale of my home is to be XXXX/XXXX/XXXX I have had to hire an attorney to try to stop this foreclosure and to date I have not heard from BofA. I have not missed payments with BofA mortgage my account is current.
Product: Debt collection

Harassing mails to collect a debt that I do not recognize.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX, has violated my rigths. 

in accordance with the fair credit reporting act bank : XXXX XXXX  XXXX # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX  # XXXX, has violated my rigths in accordance with the fair credit reporting act bank : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have the rigth to Privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with 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 in those account 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  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: Debt collection

In XX/XX/XXXX I was wrongfully evicted from my apartment in XXXX XXXX XXXX in XXXX, Tx. I was able to get another apartment in my name over the next two years without any issues. When I applied for a job in the summer of XX/XX/XXXX I was denied because I had {$6900.00} in debt from a collection from XXXX XXXX XXXX in XXXX, Georgia. I assumed that XXXX XXXX XXXX sold the remainder of the lease to XXXX XXXX XXXX. This collection agency directly prevented me from getting this position I was applying for, and other apartments later in life, and they have never reached out to me to verify the debt. They have never tried to contact me in regards of anything concerning this proposed debt.
Product: Debt collection

Its so much on my credit report that I dont know where to begin. From XXXX up to this year XXXX. I didnt know that the debt that was owed was on my credit report. I didnt receive the notice on most and some I did but I didnt know I could dispute it. I also tried contact XXXX XXXX XXXX to dispute the fraudulent transactions they have reported in XXXX or XXXX at that time I was XXXX XXXX and going through a tough time on life when I was physically XXXX due to XXXX. And the other years I was XXXX  to XXXX  and XXXX  physical and so much.
Product: Checking or savings account

On XX/XX/XXXX, I contacted customer service at Citi Bank about a {$1000.00} cash bonus advertised for opening a new Citi Priority Checking account with $ XXXX new money before XXXX XXXX, XXXX. I was informed in a letter dated XX/XX/XXXX from Citi Bank that no such promotions were available/linked to my account. 

However, there is a XXXX article dated XX/XX/XXXX detailing the exact promotion I used to open my Citi Priority Checking account : [ Citi Priority Checking Account Review XXXX ] ( XXXX XXXX XXXX ). The promotion ran between XX/XX/XXXX and XX/XX/XXXX. A printout of the XXXX article is attached. 

I opened my Citi Priority Checking account on XXXX XXXX, XXXX with {$100.00} and transferred {$10000.00} on XX/XX/XXXX, and then transferred {$65000.00} on XX/XX/XXXX, well within the promotion period. The money has been sitting in the checking account for 6+ months earning XXXX interest. 

Considering the promotion and my account opening date, I anticipated receiving the bonus credit sometime in XXXX, XXXX ( per the advertised 60-day wait period with a 21-day processing buffer ). As of today, XX/XX/XXXX, the credit has not been applied to my account. 

Additionally, I received a promotional flyer about this offer directly from Citibank at my home address, though I could not locate it at this time. 

I send a fax with a screenshot of the relevant part of the XXXX article to Citi Bank yesterday as instructed and are still waiting for their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Collection : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXXXX US DEPT ED XXXX Balance : {$2300.00} Date Opened : XX/XX/2018 Late Close : DPT EDXXXX XXXX Balance : {$0.00} Late Open : DPT EDXXXX XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX in XXXX XXXX Hired me after in person interview, the next day my background check came through on my end of the line before the manager that hired me opened her results, i read mine and showed up the next morning on the job, found her the hiring manager and talked to her about the results disqualified me from the position. 
I could not attend work i applied for until these charges are disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that do not belong to me they are not mine I have not signed for anything or approved anything I dont knwo what these accounts are for. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

IM SUBMITTING A COMPLAINT BECAUSE I HAVE ACCOUNT XXXX XXXX XXXX IS SHOWING UP ON MY CONSUMER CREDIT REPORT AS A CHARGE-OFF ACCOUNT CLOSED AND PASS DUE 30/60/90 DAYS XX/XX/XXXX. IT IS ILLEGAL TO FURNISH INCOME ON A CONSUMER REPORT. A CHARGE-OFF, ACCORDING TO THE IRS, IS INCOME AND YOU MUST FILE A 1099-C. AS IT STANDS I HAVE NOT RECEIVED A COPY OF THIS FORM. 
MY RIGHT AS A CONSUMER ARE PROTECTED UNDER TITLE 15 CHAPTER 41. 
15 USC1601 HIGHLIGHTS THE CONSUMER 'S INFORMED USE OF CREDIT.

AT THIS TIME THIS ALLEDGED CONSUMER CREDIT TRANSACTION WAS ENTERED I WAS UNINFORMED AND I DID NOT UNDERSTAND AS THE INFORMATION WAS NOT CLEAR AND CONSPICIOUS. CHAPTER 41 TITLE 15 THE AGREEMENT IS NULL AND VOID DUE TO THE COMPANY LACK OF DISCLOSURE.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX XXXX  from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX XXXX opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXXXXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.