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

I would like to bring to your attention a matter concerning the return of my leased vehicle to XXXX in XXXX. Upon returning the vehicle, I was informed that I would receive further communication from Ally regarding the next steps, but I only received limited information at that time. Subsequently, there was a significant delay in communication from Ally, prompting me to initiate a follow-up call to clarify my situation. 
During this period, my Ally account consistently indicated that the balance was " unavailable, '' and I did not receive any written statement of an outstanding payment. When I spoke with an Ally representative, I was informed of the balance over the phone and was offered a payment plan of {$50.00} per month. I also asked them to set up auto-payments which TWO different representatives said they would from there end since there were no options on my end AND no monthly payment option on the site although we agreed to one. 

Despite my efforts to maintain regular payments, I encountered inconsistent advice regarding the status of my account.I manually submitted once we agreed on the {$50.00} payment, as I was reassured by various representatives that this arrangement was acceptable. However, I was recently surprised to discover a negative impact on my credit report due to this account being referred to collections. 
When I reached out to Ally for clarification on this matter, I was informed that the $ 50 monthly payment was merely a courtesy and that I was expected to pay the full amount in a single payment. This information contradicts the prior guidance I received, and I was never notified of this requirement, nor did I receive any formal communication regarding the closure of my account or its referral to collections. I have not received any notices at my addresses, which adds to my confusion. 
I also requested any documentation from Ally substantiating their communications regarding my payment obligations but was informed that I needed to contact XXXX instead. Regrettably, my attempts to reach XXXX have been unproductive, as I have been disconnected multiple times during the calls. 
Given these ongoing discrepancies and the lack of clear communication, I would greatly appreciate your guidance on the next steps I should take to resolve this matter. It is imperative that I receive accurate information and written documentation concerning my account and any outstanding obligations. The conflicting responses from different representatives have made it challenging to navigate this situation. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Consumer Loan

I had gotten behind on payments my daughter was XXXX injured at XXXX school dance and and requiring XXXX I had to take XXXX with no pay. She eas injued XX/XX/XXXX and her XXXX was XX/XX/XXXX. Ally financial contacted me I spospoke to XXXX at extension XXXX I told when I could pay and said that XX/XX/XXXX was to late since subject to repossession. He asked me how fast does my bank process the check advised next business day after speaking with him I agreed to set up a check on XX/XX/XXXX knowing the bank wo t process till the next Monday due to the holiday. I agreed to bounce a check hoping that it would n't get to my bank again till XX/XX/XXXX. I would not be able to go back to work till XXXX/XXXX/XXXX unless my daughter recovers faster than expected. He advised me to cb @ XX/XX/XXXX to set up the check for XX/XX/XXXX and gave me the direct number for him. Today on XXXX I received a call from ally. She stated my amount and advised that my auto can be repossessed if I do not setup the total amount due today. I advised who I spoke to and when advised I was told to call back on XXXX to set up PMT said that 's not an arrangement. She threatened me with repossession but could not give me the date it would be repossessed. She was rude and threatening. I got scared and hung up the phone. Since my daughter has XXXX and XXXX I actually considered loading this girl in the back seat and moving her to a safe location. She has to have her XXXX removed on XXXX/XXXX/XXXX and ca n't walk to the XXXX. I reconsidered and called back to ally and it was s fight to the finish to get just my account number in which I finally asked for a supervisor in which I was denied by XXXX but she finally have me the account number so I can lodge this complaint. I truly believe that since I have 5 payment left that they want the truck back and would threaten with repossession if you were 16 days late. It 's been a horrific experience.
Product: Checking or savings account

Upon my mother 's death in XXXX of XXXX, my XXXX siblings and I visited a branch of Webster Bank XXXX XXXX, MA ) to disburse my mother 's savings account and IRA ( slightly over {$4000.00} ). This was XXXX XXXX, XXXX. We each received equal checks closing the savings accounts and gave information to allow the XXXX to be equally distributed among us. In late XXXX, XXXX, my brother and sister received their checks from the XXXX. I waited a few weeks and then called ( XX/XX/XXXX ) Webster Bank and left a message for the manager. No response. I called again on XX/XX/XXXX and was told the manager would be in touch soon. No response. Given that this manager had been unresponsive in the past, I then called the main number for Webster Bank on XX/XX/XXXX and asked to file a complaint and was told I could only give a message that would be passed on to the branch manager and would hear back in XXXX business days. No response..
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 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
Product: Money transfer, virtual currency, or money service

I have a coinbase.com account. I set up XXXX with an authenticator device but had to factory reset my cell phone which erased the authenticator details I need to log into coinbase. 

To reset my coinbase authenticator I have to verify my identity through am automated verification system on the coinbase app which has me upload pictures of my driver 's license and my face. I have attempted to do so XXXX times in different lighting conditions, but the process continues to end with an error message. 

When I try to contact Coinbase support I must first 'sign in " before the support chat will connect me to a live agent. Due to the issue with XXXX, I can not sign in so I can't talk to an agent. 

When I call coinbase an automated voice tells me " call volume is extremely high '' and it hangs up on me regardless of which option I try. 

I submitted a complaint to Coinbase and they have redirected me to the same processes I've already tried. So I tried them again, but I'm still getting an error on ID Validation so I can't sign in to talk to a support agent. Coinbase sent me an email this morning ( XX/XX/2023 ) that my case is being closed and to contact support ... UGHH, they are so dense! 

All I want is a way to reset my XXXX that doesn't require me to sign in to talk to an agent. Coinbase could pick up the phone? But they seem unwilling to do so. I've spent XXXX hours trying to resolve this since approximately XX/XX/XXXX. I have read all the support articles, but they all lead back to 'signing in " ( which I'm unable to do ) to talk to an agent. 

Either through negligence, apathy or unwillingness to provide access to my funds, coinbase is keeping me, and I'm sure other users from gaining access to their money.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I try to make a purchase with a company I thought was fashion nova because thats who they claimed to be. I ordered a few jeans because they were on sale for around {$7.00}. So I ordered them XXXX XXXX XXXX and I received a tracking number when I went to track my items it took me to a different website cutefashionusdressl and there was nowhere on that website there was an option to track anything. So I tried and tried for 2 months to speak to someone and could never get anyone on the phone I just continuously received emails from Cash App chat stating they deny me my money with no answer no to talk to and I gave up. However now that I saw I can make a complaint here to get help I would appreciate that. They also froze my account after my complaints and all Im able to do is receive money and transfer money with no reason or heads up no letter about the changes to my account. I had to learn when I went to make a payment towards my bill and I had {$500.00} in the account and I was unable to use it so I had to transfer it to another account and I havent used Cash app since only if someone accidentally sends me money in that account all I could do is transfer it to another account and I have to wait for days because if I do the instant, they will charge me a fee which I didnt understand why because they limit my transaction and and usage with the cash app account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX DELAWARE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with Regional Acceptance regarding my auto loan. Despite multiple requests, they have been unwilling to update my loan balance to reflect the correct amount. Ive written letters sent to the office as they requested no change. Since Ive had the loan they are still reporting my balance at {$17000.00} as of today XX/XX/XXXX, my auto loan balance is {$16000.00}. I have tried multiple times through all three credit reporting agency to dispute and they keep denying to change the information saying its accurate and it isnt. I have made on time payments since having this loan since XXXX of XXXX. Which would decrease the loan amount not keep it at a high balance This is affecting my credit report and my credit score isnt going up because of this I kindly request your assistance in addressing this matter and ensuring that the accurate loan balance is reflected in my records. Any guidance or support you can offer would be greatly appreciated. 

Thank you for your time and help. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We had financial difficulties in the middle of 2022. I contacted XXXX to get assistance with our truck loan. I spoke with them and explained that the unexpected XXXX XXXX  related to the XXXX of XXXX XXXX during XXXX minimizing wages, along with having to pay the deductible on a hit and run accident on the truck ( which they were supplied copies of the police report and insurance documentation ). I made arrangements with them on repayment and was never advised that those payments were not sufficient. I paid according to the schedule that was discussed with representatives on the phone. NEVER ONCE was I advised that we were subject to repossession of the truck. They led me to believe that the payment arrangement that was set was okay. The truck was repossessed. XXXX XXXXs did assist us with getting the truck paid off and it was redeemed. It should have been communicated to me that the arrangements that were set were not " official '', which is what I am being told NOW. Not only that, but they have also now updated my XXXX to show on my XXXX that it was repossessed/past due and will not update! I have tried to contact them and consistently get referred to XXXX XXXX ( Customer Advocate ). She called my XXXX this week and was very XXXX  to her. Indicating that she should have been smart enough to know that payments arrangements are not official when you sign a loan document. She stated that they are not required to do so, which I believe is absurd. Why would you not want to make sure your customers are fully informed? I just wish they would have explained this before making arrangements with us. We would have contacted our XXXX to assist in the meantime, but instead relied on the company to be truthful in their communication. I have asked for detailed account information on the account. I was denied account notes/payment arrangement documentation and any record of " promise to pay '' ( citing that they are not required to provide that ). I was informed that the payment history would be sent and XXXX  days later-no record of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage. When companies try to pull my Equifax credit score/report, they receive an error message that " APPLICANT INFORMATION FROM THE INQUIRY HAS BEEN IDENTIFIED BY THE CONSUMER AS FRAUDULENT ''. This error comes with error code XXXX I have called Equifax and they said that there are no fraud alerts on my account and there is nothing they can do. They told me that I couldn't speak to a XXXX to resolve because there was nothing that they could see that the representative couldn't see. 

This is an unacceptable response by the credit bureau. I own my credit and they can not impede my ability to apply for financing without offering to resolve. 

When I look on MyEquifax.com, it shows that I do not have a Fraud Alert, but as mentioned above, when the banks try to run my credit from Equifax they are told that I do have a Fraud Alert and that I need to call Equifax at XXXX. 

Attached is an example of the error that the lenders have received.
Product: Checking or savings account

Problems started XX/XX/2020 when I noticed I did not have a pending direct deposit that was supposed to go to my bank Direct Express I called them on XX/XX/2020 and I was informed that the deposit was made but no funds were available in my account and I did not have any holds or suspensions on my account. I was told the funds would be available 2 -3 days after received at their bank, I disputed the statement because normally after funds are released to bank, they are immediately made available. I was informed by Supervisor XX/XX/2020 that the problem was with the Dept of VA  who is paying agency. Spoke with VA and they explained in, full detail the direct deposit process ... .funds were released from Dept of Treasury on XX/XX/2020, approximately 4-5 days after the funds will then be released to your bank granted that you don't have any holds or suspensions, which in my case I did not have, bottom line is this bank has a 1 rating with XXXX  and has generated close to 1000 complaints regarding same issue I am having and the government and FDIC are doing nothing to protect and guarantee we will retrieve our funds
Product: Consumer Loan

Regarding PNC Acct. No. XXXX. 

The purpose of this complaint is to compel PNC to delete the XX/XX/XXXX payment information currently reported by XXXX and XXXX regarding the above-mentioned account. 

Based upon data provided by PNC Bank, XXXX and XXXX currently report that the XX/XX/XXXX payment of the account greater than 30 days past due ; however, PNC Bank 's website reported a payment was scheduled to be made within 30 days of the XX/XX/XXXX due date. 

By default, PNC 's website displays a false " Next Scheduled Payment, '' which reports a false payment amount and false payment date, each and every month that a balance is due. 
By way of example, the attached Line of Credit Account Statement states that a payment of {$45.00} is due on XX/XX/XXXX. A screenshot of my account on XX/XX/XXXX states " Next Scheduled Payment : {$90.00} XX/XX/XXXX '' However, no payment was made on XX/XX/XXXX. 
I called PNC Bank 's customer service number on XX/XX/XXXX and spoke with a representative named XXXX, who stated that the XX/XX/XXXX payment being reported on PNC Bank 's website was an error. I also spoke to his XXXX, XXXX, who also confirmed that the payment being reported for XX/XX/XXXX was an error, and confirmed that the website contained an error. 

During the month of XX/XX/XXXX the website reported in the " Next Scheduled Payment '' field, that a payment in the amount of {$230.00} was scheduled to be made on XX/XX/XXXX, when in fact NO such payment was scheduled. 

PNC 's website contains an error, which is fraudulent and misleading. I relied upon the information provided on PNC 's website and did not take additional steps to satisfy the payment due in XX/XX/XXXX. As a result, PNC should delete the XX/XX/XXXX payment information with the XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your TransUnion credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through TransUnion to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.
Product: Credit card or prepaid card

On XX/XX/2022, I had mailed the payment in. The account was not credited until I called and reported my missing payment. After I called about the missing payment the credit was applied to my account. I received another bill a few days later and sent in another payment. The payment was delivered with certified mail and a return receipt. I tried using my card to make a payment on something and the card was declined. I called today and was informed that the account was closed. They would not provide me with a reason why the account was closed. I also inquired about the payment that was delivered and not applied to my account and they told me they did not receive it. I told the agent they did because I have the return receipt card in my hand while it was delivered today. I requested my payment be returned and they would not comply. They also do not comply with federal laws. They are withholding my payment and closed the account
Product: Student loan

In XX/XX/XXXX I ended up getting sick my I was missing work due to my illness and was struggling to make ends meet ... My doctor ended up putting me on medical leave in XX/XX/XXXX and he told me to expect to be out for several months ... My student loan is roughly {$400.00} a month. I knew there was no way I was going to be able to afford that since I was going to be out. I called Navient to try and work out a much needed lower payment and the person told me over the phone I would n't qualify I needed to just make my pymts I was out of work on medical leave for XXXX months. I paid what I could during that time. The whole ordeal has severely affected my credit ... All my loans on my credit are listed individually as a posed to XXXX loan which means if I was XXXX month late I was hit with XXXX missed payments not just XXXX. I went to school so I could provide for my wife and XXXX children and I have been unable to obtain a mortgage loan because of this. I have been paying faithfully since XX/XX/XXXX and my balance barely has gone down as a matter of fact on every loan currently I owe several XXXX dollars more than I even borrowed on All loans..My last payment of {$380.00} and {$210.00} was applied to the loan ... For the past year I have just figured well if I ever want to buy a house I need to do as they say but I feel they have done me so wrong with not trying to help me with a solution. I do n't believe they have been applying the money to each loan appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to an EQUIFAX representative that advised that I needed a valid police report or an FTC document indicating that the inquiries in question were unauthorized. No other solutions were offered and incorrect information was not deleted.