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

well on the XXXX credit card and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX XXXX XXXX is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy
Product: Checking or savings account

On XX/XX/year>, I was the victim of a fraudulent charge of {$870.00} at a gas station in XXXX, XXXX. Despite multiple disputes filed with Ally Bank, they have consistently ruled in favor of the merchant, neglecting to address the fraudulent nature of this transaction. 

The incident occurred when I was told by the gas station attendant that a charge of approximately {$20.00} USD would be applied to fill up our rental car. When our credit cards " declined '' the charge, I provided my Ally debit card as an alternative. The attendant claimed the debit transaction also failed, leading us to pay in cash. However, upon reviewing my bank records, I discovered that the charge of {$870.00} was processed successfully on my Ally debit card, while our credit cards correctly declined the same excessive amount. 

At no point was I informed of, nor did I authorize, this {$870.00} charge. It was presented under fraudulent pretenses and is clearly not reflective of the agreed-upon amount of ~ {$20.00} USD. This transaction was neither legitimate nor conducted in good faith. The gas station in question has a history of similar fraudulent practices, as evidenced by numerous one-star reviews on their XXXXXXXX XXXX XXXXXXXX, detailing similar fraudulent activities. ( https : XXXX, XXXX! XXXX! XXXX! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Throughout the dispute process with Ally Bank, I have encountered significant incompetence and poor communication from their support team XXXX I was provided with inaccurate and conflicting advice regarding the next steps in resolving my dispute. At one point, I was told it was too late to dispute the transaction again, despite having filed my initial dispute within days of the charge being made. The online dispute portal failed multiple times, forcing me to file the dispute by phone. However, I was never given any confirmation that the necessary documentation was uploaded or that the issue was accurately described. There has also been no way for me to write out or explain my dispute in detail, and the dispute types available on their portal do not match my situation. As a result, Ive been asked for irrelevant information, leading to delays and confusion, and ultimately rejection of my dispute. 

I firmly believe this is a straightforward case of fraud. However, despite Ally Bank 's stated commitment to protecting its customers from unauthorized transactions, they have refused to reverse this charge or assist in any meaningful way. 

I am requesting the CFPB 's assistance in investigating Ally Bank 's mishandling of this dispute, as well as their failure to comply with their obligations under U.S. consumer protection laws, including but not limited to the Electronic Fund Transfer Act ( EFTA ). I believe the banks refusal to rectify this matter represents a breach of their duty to protect customers from unauthorized and fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX did try everything that I can thru Experian and they are not providing any documents. While other credit bureaus they corrected. the despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I 'm sincerely requesting a copy of ANY original documentation if not please promptly DELETE all information which can not be verified I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX  Unverified Account Account Name XXXX XXXX Provide Physical Verification Account NumberXXXX Unverified Account
Product: Mortgage

I closed my mortgage with XXXX XXXX XXXX XXXX. My loan was bought by Lakeview Loan Servicing shortly after. I paid {$950.00} at closing for 3 months worth of property taxes that would be due for 2018 when I closed on the house in XX/XX/2018. The {$950.00} was instead sent to my escrow account and not to the property 's tax account. I received a notification of delinquent taxes from my county and addressed it with my loan servicing company. They took the money due out of my escrow account in the amount of {$720.00}. They subsequently increased my monthly payment by {$61.00} every month to account for the {$720.00} paid for 2018. 

I have been paying {$310.00} in escrow payments every month to account for year end property taxes. The {$720.00} that was due for delinquent taxes should have been covered by the {$950.00} that was put into my escrow account instead of my tax account at closing. That leaves a {$230.00} surplus on top of the {$310.00} I have been paying every month since I closed on the house. 

Somehow, the mortgage company seems to think I owe that {$720.00} to them now. I do not understand how a surplus of {$950.00} on top of monthly escrow payments minus a {$720.00} paid in delinquent taxes puts my escrow account in a deficit. I have addressed this issue with the company on four different occasions and have been told different answers each time. Between the original mortgage company that processes my load and the loan servicing company that bought the loan, the {$950.00} was not accounted for properly and I am being held accountable for their mistakes.
Product: Payday loan, title loan, or personal loan

On Saturday XX/XX/2022 I completed on online application for a personal loan for {$13000.00} from Discover Personal Loans. From my application, I received an email from Discover saying I may be approved for a loan and prompting me to call and speak to one of their loan specialists to complete the process. I called Discover at XXXX and spoke to a young man who asked for further information, such as verifying the name of my employer and my banking account numbers. He indicated that I was approved for a loan through Discover, would be receiving a welcome packet in the mail with more information, he agreed to make a note to have my loan repayment date moved by one day. He said the last step in the process was to get verification of my employer, simply by uploading my pay stubs to an online portal. After ending my call with him, I received this email and followed the steps to upload my employment verification documents uploaded. However, after typing in my reference number provided in the email, I was not directed to a portal to upload documents. Instead, a letter from Discover was displayed indicating they would not be moving forward with my loan at this time due to being " unable to verify credit information ''. I was very confused at this point. Having just been told 10 minutes prior that I was approved. I called Discover again and spoke with a woman. She looked up my reference number and confirmed that I had been denied for the personal loan. I explained my confusion, since I had just spoken with someone who had told me I was approved and had taken down my banking information. She said she wasn't sure why that had happened and assured me I was not approved for the loan. She was very professional, but was definitely more concerned with making sure I knew I was denied than the fact that someone had asked for my banking information and told me I was approved in error. I would not have given my bank account numbers to someone over the phone if I hadn't been assured that I was approved for a loan and it was necessary information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time
Product: Credit reporting or other personal consumer reports

XXXX credit card reporting late payments when account has been closed and paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a long time customer of Equifax for their " Equifax XXXX XXXX XXXX ''. I paid a monthly fee of {$29.00} from XX/XX/XXXX through XX/XX/XXXX. I called Equifax today to cancel the plan because I realized that I wasn't using their service and wanted to save the {$30.00} a month. While looking online at Equifax 's products I saw the " Equifax XXXX  XXXX XXXX '' is available online for {$19.00} a month. 

I called Equifax back and asked how long that I had been overcharged and if I could get a refund for the {$10.00} a month I've been overcharged. I got various explanations from the two customer service reps I spoke to. One was that the {$19.00} price was a promotion that goes up to {$29.00}. The details on the website do NOT state that the price will go up. The other rep explained that this price was only for new customers. Neither was willing to give me a refund or tell me how long I had been overpaying for this product. I assume that every client of this Equifax product could save {$10.00} a month by cancelling and re-applying for the product, but Equifax is not doing this on their behalf.
Product: Debt collection

I am writing to express my extreme frustration and distress regarding the ongoing presence of fraudulent accounts on my credit report. Despite having escalated this matter to the appropriate authorities, the situation persists, tarnishing my creditworthiness. 
I have diligently followed the necessary steps to address this issue, including filing a police report and working with the relevant authorities. Unfortunately, the impact on my credit report remains, causing significant distress and adversely affecting my financial opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request an urgent and thorough reinvestigation into the fraudulent accounts listed above. 
I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. Given the gravity of the situation and the steps I've already taken, I request that you prioritize and expedite the resolution of this matter.
Product: Mortgage

The current servicer, Fay Servicing, is claiming interest owed going back to XXXX. I did not receive any mortgage statements from XXXX until XXXX. XXXX XXXX claims to have purchased my loan in XX/XX/XXXX. I never received notice of this transfer in ownership. The previous creditor ( unknown ) did not issue monthly mortgage statements and therefore does not have the right to collect interest during this time period. 

Fay is violating the FDCPA by attempting to collect on a debt where the statute of limitations has expired and by attempting to collect on interest that is not owed.
Product: Debt collection

I was notified of the debt threw a withholdings from my employment. They made the payments as per the notice yet the balance still shows as not paid in full and has been for over 2 months. They still claim a balance even though I have a letter of release and stop of withholding from the Sherifs office.
Product: Money transfer, virtual currency, or money service

Paid with Discover More ( XXXX XXXX XXXX XXXX XXXX You'll see " XXXX XXXX '' on your card statement. 
{$260.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$250.00} Fee {$12.00} XXXX {$260.00} XXXX XXXX XXXX XXXX Sent- {$260.00} Repeat this transaction Your recipient should have the money by XX/XX/2022.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I lodged a complaint against Experian, XXXX, and XXXX. The reason behind this action stemmed from my individual disputes with each of these credit bureaus in XX/XX/XXXX. At that time, I had informed them that I had fallen victim to identity theft that I noticed after being released from prison. Upon reviewing my credit reports, I noticed several items that were inaccurately attributed to me. Despite submitting my police report, identity theft report, and government-issued identification to support my claim, I did not receive any response from the credit bureaus. 

As a result of their lack of communication and action, on XX/XX/XXXX, I escalated the matter by filing a complaint with you. In my complaint, I requested that the credit bureaus provide evidence of their investigation into the disputed items. I also demanded that they either remove the erroneous entries from my credit report as mandated by law ( which I referenced in my complaint ) or substantiate the validity of these accounts by presenting supporting documents such as contracts or signatures within a specified timeframe of 15 days. While some deletions were observed on my credit report subsequently, I did not receive any formal response from the credit bureaus regarding the resolution of the dispute. 

On XX/XX/XXXX, I submitted another complaint against these three companies requesting once again the deletion of the disputed items within four days or proof be provided within 15 days. Despite noticing some deletions, there was still no response, and some items remained. 

On XX/XX/XXXX, XXXX responded to the original complaint from XX/XX/XXXX. They stated that they had contacted the furnisher of each disputed item, including XXXX ( XXXX XXXX XXXX ), First Premier, XXXX XXXX XXXX, and disputed inquiries and stated that these items were verified as being mine but unlike my XXXX prior requests and law states have not provided any proof regarding their investigation or how they were able to verify this debt. 

The lack of response on these remaining items could be a cause for concern and may require further follow-up with XXXX or the respective companies involved. Failure to do this will leave me no choice but to take legal action because they are suppose to verify each item reported prior to reporting, and I have the right to have each item validated and receive proof of each validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very thankful for your help to REMOVED the erroneous information in my credit file that came about because of a FRAUD yet there are some items that passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more.I 've been contacted my lawyer regarding this matter.. The following items needs to be removed : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed Equifax a letter regarding the derogatory reporting of XXXX '. This account was opened in XXXX as a charge card from a retail store. For this specific charge card, credit was extended to me indirectly by the issuer of a credit card or similar device. 
Pursuant to 15 USC 1681a ( 2 ) ( 8 ) - Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is " the term 'credit card ' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. This account should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( 8 ). I am demanding that Equifax remove this transaction from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

As of XXXX XXXX XXXX Equifax is still reporting this account as 'Open ' when this account was closed by grantor back in XXXX XXXX XXXX. Why is it that almost two years later Equifax has been reporting the wrong status of along with account information and I asked for a reinvestigation of this account and it came back verified. In XXXX XXXX, I received a response from both Experian and Equifax stating that the following account could not be verified nor validated, and it was immediately removed from my credit file. I have included a screenshot of the account that shows it has been deleted from the other consumer reporting agencies. 
CB/VICSCRT - Account # : XXXX Pursuant 15 USC 1681i and its subsections, as a consumer I have requested that ALL FURNISHERS related to this account and consumer reporting agencies in which this item has been disputed be notified of the deletion of this account due to failure to prove its validity.

Under 15 USC 1681b - Permissible purposes of consumer report ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is attached with this dispute letter. Please produce a contract between me and Equifax showing that I granted permission to furnish this account on my report in the first place. 
I am demanding a deletion of this account since I never gave Equifax permission to furnish this and according to the FCRA any extension of credit directly or indirectly by the issuer of a credit card should be EXCLUDED from consumers credit files.
Product: Debt collection

hi i called the company and told them i could pay on the 4th but my bank account was stolen thy said that kubota took back the account i called kubota thy said we dont have the account avanta usa had it i was told by andrew at avanta no thats not true kubota took account back so know one knows whare the account is im trying to take care of the account my uncal co signed for the loan his bank said that kubota took XXXX out of his account to pay the loan both kubota and avanta usa said no check was cashed but he has proof from his bank the bank going to send proof to kubota and i have an email i owe XXXX from kubota i sent to kubota as proof and avanta is saying XXXX or will repo it next week thy never tryed to contact me or i would have taken care of this matter i asked what number thy tryed calling and the numbers thy called was not mine and i asked them to call kubota to get the right in fo and somone droped the ball boy he got mad at me on the phone and stated not our job and we will not contact them for the info and we will repo in next week after all this even know thy made a mistak are un willing to correct it myself and my uncal have spoken to both companeys 3 times and can not get this corrected
Product: Credit card

FORTIVA Credit Card. 
Ok I payed This card off a few years ago. I did something with the Bank and this was on the list of late payments. Apparently my account has built up late fees of {$14000.00} Not One call or Email or Regular Mail from them. I payed this off again a few weeks ago. 
What my complaint is I called and got the runaround a few times And the Fact that Nobody from that company even tried to reach out to me. People wonder what drives people over the edge. Well its XXXXXXXX XXXX This.