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

In XX/XX/XXXX, I was struggling to make payments on my auto loan with Ally Financial for a XXXX XXXX XXXX because of the government shutdown. I transitioned to the XXXX XXXX in Maryland and was attending the XXXX XXXX. In XX/XX/XXXX, when I received my first check from the XXXX XXXX I contacted Ally Financial and made a payment over the phone in the amount of {$1200.00} ( my entire check ) under the pretense that the vehicle would be caught up and there was no danger of repossession. Ally Financial told me that they would immediately contact the company that had been assigned to repossess the car and stop repossession immediately. When I arrived at home, the repossession company was in the driveway. I informed the repossession company that the payment in full had been made and that he should have received a call to halt the repossession. However, the driver repossessed the vehicle and took it to their storage facility. By the time, Ally Financial made the call, several days worth of storage charges had accrued and I simply did not have anything left to give until I received my next pay check. When I did receive that pay, Ally advised me that the only way that I could get the vehicle back was to pay half of the remaining balance ( which at the time was approximately {$8000.00} ) plus all accrued storage fees which would have been more then {$5000.00}. I did not have any choice at the time but to let the car go to auction. I was advised that if the vehicle sold for more than was owed, I would be given the difference which made me believe that if the vehicle was auctioned my debt to Ally would be paid in full. When I attempted several weeks later to find out what the vehicle had sold for and if I could expect a refund, Ally stated that they were unable to provide any information. Based on recent conversation with Ally Financial the balance remaining is {$11000.00}. I initiated conversation in an attempt to repair my credit, but they are only interested in getting their money. I am currently serving under XXXX XXXX XXXX XXXX orders and undergoing medical treatment. The financial advisor at the XXXX XXXX XXXX XXXX XXXX suggested I reach out to  you for help resolving this. I feel as though Ally Financial lied about their intentions to help me redeem this vehicle to get money from me and was unwilling to keep their verbal agreement once the vehicle was picked up by the repossession company. My credit has been seriously impacted by this repossession and it continues to affect my personally and professionally.
Product: Mortgage

I am behind on my mortgage payments and facing foreclosure. I went through Oregon 's foreclosure avoidance program with my lender. The meetings were spaced out over a long period of time and no solutions were offered up by the lender to help me keep my home. Soon after the last meeting I was served foreclosure papers. I believe the lender had no intention of helping me and was just doing the minimum that the state required by going to the meetings. I have filed countless required documents with the lender including letters detailing and proving my financial hardship. I filled out the packet of forms for making home affordable all to no avail. My case seems ideal for the making home affordable act. My wife and I bought this house together after XXXX kids and twenty years of marriage. She started XXXX and then left me. This was emotionally and financially devastating. She took her earnings with her and has since filed a quit claim deed on property. Then I had a very long unemployment period. The new job I finally landed pays much less than my old one. This is how I fell behind on my payments. Now I am trying to save my home for myself and my teenage daughter. It gives her stability. We love and feel safe in our neighborhood. My lender still rarely communicates with me. Recently I was turned down for a loan modification due to not enough income. I heard this through the housing agency that has been helping me try to save my home ( XXXX ). I only received a denial in my ex wife 's name. She no longer has an interest in the property. I was supposed to be able to appeal if I received a denial and the wages they used to calculate were incorrect. I never received it. The stress I face everyday I wake up knowing my house could be lost is getting to be too much. I am also heartbroken when I think of my daughters reaction if I lose the house. I just want a fair chance to save my house and do not believe my lender puts any effort or interest into aiding my plight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, XXXX  XXXX {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time to review concerns. Extending gratitude to XXXX   XXXX for granted credit line since 2013. However, out of nine years, two-late payments occurred. I know during this unpresidential time, several agents are working from home. However, with two-late payments, creditworthiness and credit decreased due to negative reporting.
Product: Mortgage

We applied for a mortgage to purchase a property in XX/XX/2021. After, submitting all the required documents, income verification, and so forth, the loan officer at Rocket Mortgage went over the details of the mortgage and informed us that in order to proceed, he would need a {$500.00} fee to lock in the interest rate. The mortgage couldn't proceed without this he said. When asked if the fee would be refunded should the deal fall through, he replied, " absolutely, you will get the money back if that happens. '' So we thought about this for a time and as the rates were beginning to rise, we decided to lock in the lower rate in XX/XX/2021. Everything was going well, and we were almost ready to close last month when the unthinkable happened, my husband lost his job. We were honest and informed the loan officer of this tragic event, and he stated that the loan and closing could not take place. As devastating as this was, we asked him for the fee to be returned to us. He stated we would receive it within 5 business days. Well 5 business days came and went and we checked our credit card statement to see if the money had been returned, it had not. So again we called and finally reached the loan officer who worked with us. He seemed surprised that it hadn't been refunded, he said it should have been by this time. Then he referred us to the Client Relations Specialist who was going to look into this. Then I noticed that he began peppering his words with phrases such as, " what was left over from the appraisal should come back to you. '' You will get the extra amount. '' He never said that before. Besides, the appraisal fee was included in the closing costs, which I have included here, and this transaction never closed. We have no idea what he was talking about. Then yesterday, when my husband called to discuss this with them, they kept mentioning all the costs, the credit report having to be run, and this is often done for free. Yes the appraisal had been done as we were getting ready to close, but then the deal fell through so we couldn't close. We would appreciate you help with this as we really need this money back. We have considerable expenses. It is awful enough to lose this property, but my husband also lost his job and is stressed by all of this and now they refuse to refund our money which they had promised to do.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Credit Reporting Agencies What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : A credit card at XXXX XXXX XXXX, opened XX/XX/XXXX. 
A credit card aXXXX XXXX XXXXk, opened XX/XX/XXXX. 

These accounts have resulted in fraudulent hard inquiries and collections on my credit report. I have attached an FTC Identity Theft Report ( # XXXX ) and my consumer credit report showing these fraudulent items. I do not recognize the accounts, collections, or inquiries reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the original complaint id XXXX, the Bank of America ( herein after mentioned as Bank ) has failed to understand the complaint. Therefore I am explaining the complaint again as under with screenshot of Bank of America 's mobile application for FICO score. 

When XXXX ( Bank 's employee ), applied my credit card, he had told me that I would be always able to see my FICO score in Bank 's mobile application. I never require to pay to any credit score company to watch my FICO score, I will be always provided FICO score in the mobile application after signing in the Bank 's mobile application with my username and password. 

After logging in to Bank 's mobile application, I can see my account balance for check-in account and few details of credit card as well but I am not able to see any FICO score available to me. 

I have visited many times in-person to the XXXX XXXX branch situated in XXXX ( which opened my check-in account and issued credit card ), they told me that I will get FICO score automatically in mobile application after first 6 months of credit card. First 6 months have been passed from many more months, and they still give me the commitment for further 2 months to wait. 

I did not ask you to pull my credit details and harm the credit score which already did on the name of courtesy. Don't access my credit score without my permission.

It has been mentioned in the application that the FICO score is provided every month by XXXX. If it is freely provided to every credit card holder through the mobile application, why I am still not provided the FICO score in the mobile application. 

Make my FICO score available without any charges in the Bank 's mobile application.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Debt collection

The COLUMBIA DEBT RECOVERY LLC DBA GENESIS is reporting to the 3 consumer agencies false information after I requested documentation for that timeframe providing my wet signature, a lease signed by me and the knowledge that I am the vitamin of identity theft.

Hello COLUMBIA DEBT RECOVERY LLC DBA GENESIS : I have never entered into a contract with your company either physically or verbally and thus you are violating my civil rights in reporting fraudulent information to the consumer agencies. Please provide the original contract that I signed with COLUMBIA DEBT RECOVERY LLC DBA Genesis that provides my wet signature. If this can not be done the following laws and my civil forgets are being violated.

According to : Code 15 US 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted as alleged identity theft, no later than 4 business days after the date of receipt.

Your company has been reporting this fraudulent information for more than 30 days and thus you are in VIOLATION of this law because I am a victim of identity theft. Please note that in the provided ledger I am not named as the occupant. Please provide a lease showing my wet signature and dates that reflect this ledger timeframe. Please delete these items IMMEDIATELY. This account should not be furnished on my consumer report as it is in direct VIOLATION!!!

Code 15 US 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency nor your company WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed account in this email correspondence from all consumer reports IMMEDIATELY! Continued violation of my civil rights shall result in prosecution to the fullest extent of the law. Please provide correspondence that this account has been removed from all consumer reporting agencies files within the 4 business days allotted. 
Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made XXXX payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, my minor daughter who is XXXX XXXX XXXX made a purchase for a XXXX XXXX blanket on my cashapp. I didnt authorize this transaction. My daughter knows I purchase stuff off XXXX  and how to order. The person she purchased it from scammed her. After, she paid for the item tried to ask for an extra {$100.00} to send the item after she already paid for it saying she sold the last one. 
My daughter made this transaction without my knowledge and I changed my pass code to my phone now. I contacted cashapp about the scammer and the scammer let me know good luck with trying to get your money back and blocked my account. So, no further communication can be done. This person sounds like they do this often. I have sent 2 disputes to cashapp and they just said based on your history you made this transaction. I did not make this transaction. I even made a dispute with my bank XXXX XXXX and I am awaiting word back. I did not make that transaction. I know its only {$25.00}, but can you imagine how many people she or he is doing this too. Cashapp doesn't seem like they even care to look into the matter.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX XXXXXX/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 I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Mortgage

Ditech Financial Account # XXXX  We have been escrowing money on this account since its inception for payment of property taxes. Our property taxes to XXXX County, Georgia were not paid in XX/XX/XXXX. I contacted Ditech when I first noticed the taxes haven't been paid. The first contact was on XX/XX/XXXX. Every time I call they tell me they are researching it. Meanwhile, they are sitting on approximately {$8000.00} of our escrow money and are taxes are still not paid.
Product: Credit reporting or other personal consumer reports

I am requesting the Invalidated Accounts Below be removed from my Credit File according to 15 USC 1681 : XXXX XXXX XXXX XXXX XXXXXXXX. This Account does not match my Social Security Number ending in XXXX. Remove It XXXX XXXX Acct # XXXX. This Account does not match my Social Security Number ending in XXXX. Remove It XXXX XXXX Acct # XXXX. This Account does not match my Social Security Number ending in XXXX. Remove It XXXX XXXX Acct # XXXX. This Account does not match my Social Security Number ending in XXXX. Remove It XXXX Acct # XXXX. This Account XXXX XXXX Late. Send me Validated Information from this XXXX proving this Account. Remove it. 

XXXX XXXX XXXX Acct # XXXX. This Account shows as a Chargeoff. Send me Validated Proof of this Account. Remove It.
Product: Credit card

On XX/XX/XXXX, Shop Your Way Mastercard, sent me a letter stating that I owe {$110.00}. This is a bill with the transaction date, XX/XX/XXXX. This is bill from a purchase from XXXX. XXXX received the payment through the Mastercard, and they even gave me a refund for not delivering the correct items in the amount of XXXX. I gave this company all the information and they still have not given me any clarification. In the meantime, Citi, the issuer of the XXXX suspended my charging privileges. My online subscriptions were all canceled, and I reported fraud on my account. In the meantime, I had No card, but the company continued to give me three different account numbers, but I had No card. The statement came in, but I told them, How is there purchased with No card? The harassment continues. On XX/XX/XXXX, I received a letter from Shop Your Way stating, Since you have initiated a dispute on your Shop Your Way Mastercard account, we have adjusted the Minimum Payment Due so that you only need to make a required payment of {$62.00} by XX/XX/XXXX. This adjustment reflects the portion of the balance that is not being disputed. On XX/XX/XXXX, they say that they issued a credit for a charge ( s ) disputed as unauthorized along with any related fees and interest. And if I dont hear from them within 90 days, the credit will be permanent. I just got a card in XXXX. I have only use this card for my online subscription for XXXX XXXX  {$7.00} and XXXX XXXX, nothing else. These people are Very abusive, the same women in customer service changes her name many times, from the fraud department to other departments in customer service. They even manages multiple credit card companies, because they know my name, and I know their voice. They even canceled a order that I had with Macys. They renewed it, because its wasnt Macys its them. They lie, harass me even though I have been a holder of this card since XXXX. I have always paid off my statement balances and on time. Please, the Fraud is within this customer service department.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a complaint with the CFPB. Transunion responded to the CFPB by stating, " The company responded that you may have been a victim of fraud. '' instead of taking the action demanded and required by law. I filed this same notice to XXXX and XXXX who both deleted the items below as required by law. This is a second request to have the items deleted, I am NOT a victim of fraud. If the items are not deleted, this notice will be raised to the Attorney General within ( 15 ) days of this complaint. 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. Account name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right ti privacy. 15 U.S.C. 1681 Section 604 A. Section 2L It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.