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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

REGIONS BANK had the wrong address on file for me which I corrected my address on my online profile. 

I requested to have a debit card sent to my correct address and they are saying I have to come to a branch to speak with a banker. 


I work XXXX to XXXX from Monday from Saturday and I can not afford to take time off work am already in trouble at work for missing a day when I went to sign up for Regions Bank . 

I need to get a debit card sent to my address on file immediately! I recently set up direct deposit and so now Im going to have all my money going to my Regions account, but I don't have a card to spend my money!
Product: Money transfer, virtual currency, or money service

I have 2 attorney trust accounts in JP Morgan Chase Bank. I received an alert of a pending transfer of money out of my account that I did not request. When I called I was informed that there was already one transfer and that the pending one could not be stopped. I was then told that there were transfers on another XXXX account as well. I made a claim for all the transfers. I was provided temporary credit on one account. I then received a letter stating that I authorized the transfer and the money would later be removed from my account. I called the bank several times and was left hold for hours with no response. When I finally had a chance to speak with someone, I was informed that there since I did not change my passwords or sign in from another device, Chase had to close may claim. When I asked for details about the transfer such as from where it was made and it they obtained a code to approve them, the representative stated that she did not have the details. They also do not have any information about the account into which the money was transferred.
Product: Credit reporting or other personal consumer reports

I have been trying to resolve issue with bank providers due to fraud, on several accounts. Please look into the this matter, as it has been 10 years chase, as well as Bank of America. I have not had the proper investigation due to me asking for statements and putting money into the account. The account was closed with out my knowledge of any fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant agains t Automobile Acceptance  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  ), because I have settled in full a title loan with this company and their attorney  XXXX ,  XXXX   XXXX   XXXX ,  XXXX  (  XXXX   XXXX   XXXX   XXXX , GA  XXXX  ). on   XX/XX/XXXX  f or account  XXXX  in the amount of  XXXX . Automobile Acceptance has reported and continue to report to credit bureaus   XXXX     &  XXXX  that I have an account  XXXX  as a single pay loan, duration term 1 month, last payment   XX/XX/XXXX , an d payment  XXXX  a month ... all this information is incorrect, I never signed or applied for loan with them for the info listed above, the account I had  XXXX  was correct and settled, it is my belief that this company is reporting the balance after settlement. I have submitted several disputes to the credit bureaus to have this information verified and to be removed, and it still remains.
Product: Mortgage

We applied for a Land and construction loan through thrive mortgage XXXX loan amount. XXXX acres of land and XXXXsf new build. We were suggested to use an FHA loan. the process dragged on for 4 months. 4 days before closing, they told us they would not do the loan and gave several reasons. Each legitimate reason they gave was known on day 1 of the process. Because of the 4 month delay, Thrive mortgage caused us to loose our land deal. The sellers backed out and would not extend the land contract any longer. The sellers had already extended the contract 4 times. 

After the explanation from thrive on why they denied the loan, it was clear that they knew all of the reasons on day one and wasted four months when they could have told us that it would not work on the first day. Back up Emails and correspondence are available
Product: Checking or savings account

I attempted to open an account with Ally Bank and when I went through the online opening process the system recognized my information and told me that I was already a customer and prompted me to enroll in online banking. I attempted to enroll and the phone number and email address that Ally has for me is outdated and I no longer have access to either. I called Ally and attempted to update the information and was connected with someone who spoke very little XXXX and who put me on one extended hold after another. Eventually the phone just disconnected and I was left without having any answers as to if I had any accounts currently with Ally and if I would be able to access online banking. I would like to update my information with Ally so that I can access their online systems but as of this moment this seems impossible. I will attach a copy of my photo ID to this complaint for Ally to help locate me. The last four of my social is XXXX XXXX XXXX XXXXXX/XX/year>, mother 's maiden name is XXXX. The former phone number that I do not have access to is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : *XXXX  XXXX XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA. 

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts. 

They have refused to validate or delete these adverse accounts/late payments from my reports. 

You are required to have a copy of the original creditors documentation on file, according to the FCRA. 

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a XXXX XXXX arrived to my bank account from a construction company. As this money was sent to a personal account my account advised me to call the banks and reverse the transaction. 

The incoming transaction for {$5000.00} was initiated by XXXX customer to my Personal Bank account. 

On XX/XX/XXXX {$5000.00} was deposited in my account. Then, On XX/XX/XXXX I called BMO to reverse the transaction of {$5000.00} back to XXXX XXXX. BMO stated that they would reverse the transaction and the other party would receive it in 7-10 days. They gave me a XXXX XXXX Case Number to give to my customer. 

My customer filed a non-fraud dispute with XXXX. They have no record of the refund. The {$5000.00} was stolen by BMO Harris Bank or XXXX XXXX ( third party servicing department ). 

I want my {$5000.00} reimbursed to my account as it is Fraud plain and simple and no one can give me a clear answer as to where my money is in transit anywhere. 

For the past 30 days, I have tried to resolve this. I was given case # XXXX by BMO, apparently, this is a XXXX XXXX case number. If BMO initiated the CASE then they can reverse it. However, they are saying only XXXX can do it. However, XXXX has stated there is no CASE # XXXX. So who is lying?????? Or they are using different systems and BMO, the initiating party lost my money. You can't send money and not be able to retrieve it and hold me responsible. Had I initiated the transfer personally I would be responsible. I would like to get this money returned to me as I have spoken to my accountant and he says we can work it out on the accounting side.
Product: Checking or savings account

I checked my app today to check on my taxes being sent to my account today and I realized that they froze my account and I'm supposed to be getting my taxes today but now I can't even access my account or do anything else with it I've been waiting for almost 3 weeks for my taxes to come to my account I have to pay rent room and this came in a very very bad time and I don't know what to do and I don't have any information about trying to fix this today is XXXX the XXXX of 2024
Product: Vehicle loan or lease

Ever since I refinanced my automobile loan with Oportun they have engaged in very unorthodox lending practices and harrassment. I complained that they were calling me too much, so they completely stopped calling me to apprise me of important matters pertaining to my loan. I asked them why they were not contacting me when they falsely believed I had missed a payment and they said it because I told them to stop calling me. I explained that I did not want to be called 10 -15 times a day to remind me that my payment was upcoming. I asked to cease the excessive calling. Oportun would call repeatedly even after the payment was timely made. When I asked why, they said it was because it took a while for the payment to process. 

I have asked to be emailed or mailed bills, notices, inquiries and to this date, Oportun does not email or mail me any correspondence as it relates to my loan. When I ask why they claim they do not have my e-mail address ( no matter how many times I provide it ). I ask why they won't mail a bill or any other documentation and the representatives say they do not know why and will investigate. Oportun never e-mails, mails or calls me with a follow up. 

Additionally, Oportun routinely falsely claims that I am behind on my payments and when I ask for proof they state they will research and get back to me. They often claim that I had returned payments ( NSF ) and when I point out they are not being truthful, they again state that they will research it get back to me. They never respond about their false claims. 

On XX/XX/XXXX I called to ask why Oportun had not debited my electronic payment from my bank accoutn. I spoke to XXXX XXXX who stated that the notes said I am in bankruptcy so they could not debit my payment. I am not in bankruptcy, and even if I was, they were still authorized to automatically debit my monthly payments as I requested in XXXX of XXXX. Oportun debited ( electronically ) in XXXX of XXXX, but did not debit my XXXX payment. I asked to make my XXXX payment, and I was told that Mr. XXXX was unable to take the payment until the persons he escalated my complaint to could address the issue. 

I told XXXX XXXX that I would be reporting Oportun to the FTC and any other oversight agencies that deal with predatory lenders. The majority of the customer service representatives seem to be very inexperienced and somewhat fearful. They seem to lack knowledge about the company and the industry, in general. 

During covid, I asked for a forbearance and they fought me not to grant it. They finally gave me a one time forbearance, despite the covid protections that were then in place ( XXXX ). They once sent a repossessor to my home to attempt to repossess my vehicle! 

It is my belief that Oportun is intentionally trying to create situations where unknowing borrowers will default on their loans so they can repossess their vehicles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit card

Bank of America requested I verify my information. I verified it via their app and confirmed via phone all in XX/XX/year> that I verified my information in their app. According to their team, their system did not recognize that I verified my information and they closed my account, misreporting that I requested the closure. They can not reopen my account. I had this account for XXXX  years, have never missed a payment, never had an issue with it. This has negatively impacted my credit score and has cost me hours of being on hold to be told that, yes, they indeed closed my account in error, through no fault of my own, have misreported the reason for closure to credit agencies, but that they would do nothing to rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the accounts on my credit report were misleading when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$470.00}
Product: Debt collection

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. 

Under the law, they are NOT suppose to do that! That is considered collection activity! 

This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!! 

XXXX XXXX ACCOUNT # XXXX
Product: Mortgage

I have been contacting Huntington Bank since XX/XX/2022. I've been sent a XXXX XXXX XXXX after 2 months of trying to obtain XXXX. I filled out the application and submitted it for review. They sent me a letter telling me they need a list of things. I put a packet together and mailed to them. I've been trying to get in touch with them for XXXX months regarding the packet I sent. I keep leaving messages with NO returned call. I have called approximately XXXX times to speak with someone and am asked several question ( always the same ones ) regarding my hardship. After all calls, I'm told a message will be given to XXXX who heads up the XXXX XXXX XXXX Department. I've left at least XXXX messages for XXXX without a call back. I am currently XXXX  months behind. My XXXX XXXX XXXX XXXX XXXX  and I are on the loan. The house is ouXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've gone through counseling with XXXX XXXX XXXX who referred me to XXXX which I've applied for last week. In the meantime, I'm trying my hardest to work this out with Huntington but am getting nowhere.
Product: Debt collection

PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC violated my consumer rights and contacted me about a debt without my written consent which is a direct violation of the FDCPA 15 USC 1692c ( a ). The communication that was sent was abusive, profane and obscene to me the hearer and reader which is a direct violation of the FDCPA 15 USC 1692d ( 2 ). The communication that was sent did not have documentary material as defined by congress showing proof of this alleged debt. I sent PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC a debt validation letter and a cease and desist by certified mail with a green return receipt on XXXX and it was received on XXXX. I disputed the validity of the alleged debt and I refused to pay pursuant to 15 USC 1692g. I demanded all unfair communication to cease and an audit trail pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ) ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) be provided.
Product: Vehicle loan or lease

I leased a XXXX XXXX a month ago and, similar to my last XXXX lease in XXXX, the dealership folks indicated if I didn't " push the XXXX  button '' they wouldn't get paid their commission. In XXXX I did this and tried to cancel immediately. Let 's just say that wasn't a pleasant experience but lesson learned. They wanted to put a card on file and have me pay when the free 30 days were up. This time around I made it abundantly clear I would NOT be signing up or 'pressing the button ' and did not want XXXX  tracking my truck or tied to my truck. The dealership folks did not like this but I don't think XXXX should be able to track my vehicle and report on diagnostics and all that without my consent, which I did NOT give. At some point in the past 30 days XXXX  came on while I was driving and I believe " reminded me '' that I needed to hit the button. Never did. Today I get an email that " my plan is ending soon '' and I presume that means I need to watch for unauthorized charges now. I did not sign up, hit the button, or consent to this account period. This XXXX  tying and bundling is the epitome of high pressure sales combined with what I suspect is constant violation of privacy regardless of purchase. It is also tied to the ignition supposedly so there is 'no way to turn it off. '
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Mariner Finance regarding inaccurate late payment reporting on my credit file. Specifically, my account with Mariner Finance ( [ Account Number : XXXX ] ) is reported as 30 days late for XX/XX/2024 and 60 days late for XX/XX/2024. The reported past-due amounts of {$300.00} and {$520.00} are inconsistent and inaccurate. Despite submitting a formal dispute to Mariner Finance on [ insert date of original dispute ], the issue remains unresolved. 

Details of the Dispute : Late Payments : The account is reported as 30 days late in

XX/XX/2024 and 60 days late in XX/XX/2024.

The past-due amounts reported are {$300.00} for XXXX and {$520.00} for XXXX, which are inconsistent with my payment records. I have never received notices or documentation to substantiate these amounts. 
Failure to Validate : I have requested documentation from Mariner Finance to validate these late payment entries and discrepancies, but they have not provided sufficient proof. 
Applicable Consumer Laws : 15 U.S.C. 1666 : Under the Billing Error Resolution Act, I have the right to dispute inaccuracies related to billing and late payments. Mariner Finance is required to provide evidence of the reported late payments.

15 U.S.C. 1681s-2 ( b ) : Mariner Finance , as a furnisher of information, is required to investigate the dispute and report accurate information to the credit bureaus.
Product: Debt collection

I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been XXXX. There is no more debt or balance to be owed and FedLoan servicing keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by Fedloan servicing for them not doing what theyre supposed to do.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX