23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I 'm trying to buy a leased vehicle from a friend who has leased it. The lease term is over and Ally Bank told us what to do so that I can own the vehicle. I sent the Bank Checks to Ally Bank exactly the way they instructed. It 's been a month and Ally Bank will NOT release the title to me even though they CASHED the Bank Checks two days after they received it, on XXXX XXXX, 2015. When you call the XXXX number, they transfer you to " customer service '' and the call actually gets transferred to some XXXX company, totally unrelated to Ally Bank! I really need some help to get the title to this vehicle as they CASHED the Bank Checks and are now avoiding my calls.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I tried to apply for a refinance with my current bank. Trying to get a hold of my bills and recover from the pandemic. When the bank ran my consumer credit report, I found out my score had fallen about a 100 points. I was taken aback, I immediately went on the credit reporting agency Experian dispute center. On XX/XX/XXXX, I contacted Experian and attempted to dispute the inaccuracies they were reporting. During the dispute, I explained to the agent that the account was closed in XXXX of XXXX with a {$0.00} balance. But Experian started reporting in a collection state in XX/XX/XXXX. I told the agent, for the past 10 years I have been paying my child support every month without any missed payments and I stayed in good standings. To the point that it was being taken out, by automatic withdrawal. 

On Wednesday XX/XX/XXXX, I received an email from Experian. In the dispute, it said the account was verified and it's right. I reached back out to Experian with evidence from the NY Child Support Enforcement showing when I started paying child support, until when they said my child support obligation ended. Even with the evidence, Experian is stating they still need to verify. Even though the evidences was provided they still wouldn't work for me.
Product: Mortgage

In XXXX of 2019, my husband had lost his overtime at his job. We rely on the overtime to help us pay our bills. We have small children and I am a XXXX XXXX XXXX XXXX. At that point we were behind two months behind on our mortgage ( XXXX/mo ) and with no end in sight we started the loan modification process through Mr Cooper. We got all of our paperwork together, wrote a letter stating why we needed to go through with this, listed all of our expenses etc. We faxed the first set of paperwork on XX/XX/XXXX. We followed up with many phone calls each week to make sure things were going where they needed to be, but we never had the chance to speak to the same person. Multiple phone calls led to different answers from different people. We were given different information each time we called. This went on for weeks. Another phone call led us to a " specialist '' who told us in order for them to continue with the load modification, we would have to be current. We took every penny of our tax money and paid them in XXXX. A week or two after, we were denied the modification because we had become current. To say we were frustrated was an understatement. Here we are again, three months behind because we had lost the overtime once again. I spoke with a HUD counselor today that referred me to here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX and spoke with a customer service rep. that stated she  couldn't locate an account at all. I demand this inaccurate information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report, in accordance with Section 1681 of the Fair Credit Reporting Act ( FCRA ). I believe that the information listed under [ XXXX XXXX XXXX XXXX Bank ] is incorrect and does not accurately reflect my credit history. This inaccurate reporting is in violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and fairness of the information they report. 

Specifically, the dispute concerns Credit Card Fraud & Late Payments. I request that you thoroughly investigate this matter and correct any inaccuracies in accordance with the provisions of Section 1681, which includes the duty to maintain accurate records, and ensure compliance with the law. 

If this information is found to be incorrect or unverifiable, I request that it be removed from my credit report. Under Section 1681o, I am entitled to hold the reporting agency and the entity that provided the incorrect information civilly liable for any damages caused by negligent failure to comply with the provisions of the FCRA. 

I request that you complete your investigation within 30 days, as mandated by the FCRA, and provide me with the results. Please send me a copy of my updated credit report reflecting any corrections or removals. 

Should you require any further documentation or information to complete the investigation, please contact me at XXXX or XXXX XXXX
Product: Checking or savings account

I responded to a {$300.00} bonus promotion to open a checking account with M & T Bank. 

cash bonus offer for the MyChoice Premium Checking account found the following is stated for this promotion. Please note this information may be found on the promotional flyer as well : We will credit one {$300.00} bonus to the account ( " Premium Bonus '' ) for new accounts opened between XX/XX/2018 and XX/XX/2018 if the account receives at least {$10000.00} in total deposits and credits by XX/XX/2018 and if the average daily balance maintained in the account is at least {$10000.00} during your monthly service charge cycles ending in XX/XX/2018 and XX/XX/2018. The account must be in good standing at the time the Premium Bonus is to be credited. The Premium Bonus will be credited by XX/XX/2018. The Premium Bonus is reportable for tax purposes, is not available in all regions and is not available to employees of M & T Bank or any of its affiliates. This offer is nontransferable. A {$50.00} early close-out fee applies if the account is closed within 180 days of the date the account was opened. Primary signer on the new checking account may not be or have been a primary or secondary signer on any M & T personal checking account within the previous six months. Only one Premium Bonus will be awarded per customer. The Premium Bonus is not available to customers who have already received a bonus in connection with a personal M & T checking account within the preceding twelve-month period. 

I opened the account on or about XX/XX/2018 and transferred {$10000.00} to the account thereafter. My account service charge ending cycle of each month is XXXX or XXXX. 
After maintained the balance of {$10.00}, XXXX through the XXXX cycle, M & T bank has refused to credit {$300.00} to my account. Several of its representatives stated the cycle ends " XX/XX/2018, but it is not what the term states when I opened the account. 
I sent a request to M & T Bank ' CEO, but no response either.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

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

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have an illegally obtained judgment from XXXX on my Experian credit report. I have disputed this multiple times with no success. XXXX has reached a settlement based on these judgements and is no longer allowed to pursue them. The law firm XXXX who obtained the judgement for XXXX no longer exists and stated the account is closed. This judgement is removed from my Equifax and Transunion Credit reports. Despite this judgment I have submitted documents from XXXX including the agreement with the government, and have recieved a mortgage in the amount of {$800000.00} to purchase my current home. This has gone on long enough and I really need help to rectify this situation. This illegally obtained judgment is seriously impacting my financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the FCRA. I sent Transunion ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Transunion said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion did not comply with my request for method of verification. On XX/XX/22 I sent Transunion another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Transunion received that letter on XX/XX/22. As of XX/XX/22 those items remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DECLARATION of challenge checking for federally mandated REPORTING COMPLIANCE and REQUEST for CORRECTION ( S ) or DELETION ( S ) of INACCURATE or PHYSICALLY UNPROVEN or NOT COMPLIANT INFORMATION per FEDERAL AND MY STATE LAWS. 
To whom it might concern. 
Not an entity today exists that can certifiably ignore its mandated obligations to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself.Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIFICATE the verification and validity of the following claims or DELETE NOW : ALL navient accounts on my credit profile. 9 in total
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is been reporting on my credit since XX/XX/2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.
Product: Vehicle loan or lease

On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

Inappropriate use of my information, which affects my credit life. 

XXXX Creditor XXXX XXXX  XXXX XXXX Account XXXX Revolving Loan type Secured XXXX Creditor classification Unknown Activity designator Closed Date closed Date reported XX/XX/year> XXXX Account type Revolving Loan type Secured XXXX Creditor classification Unknown Activity designator Closed Date closed Date reported XX/XX/year>
Product: Credit card or prepaid card

I have had a Capital One Platinum MasterCard through Capital One Bank, which I believe is owned by Capital One Financial Corp. I applied for the card because it had no annual fee. For years I did n't use my card at all despite having no annual fee. Months ago Capital One tack a " monthly fee '' of {$5.00} onto my card effectively raising my already high APR on the card. I called Capital One over a week ago and asked to have the monthly fee removed. The young man I spoke with said that " Because the fee is a monthly membership fee and not an annual fee, he could not remove it. '' This monthly fee seems like a sly way of not only raising my APR but also putting an annual fee on my card but in such a way that Capital One employees are not authorized to remove it. And why is it called a " monthly membership fee ''? What did I become a member of?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX  I tried calling 5 times a day. I wrote handwritten dispute 609 letters. Still no removal. This is becoming a hardship on me. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Debt collection

Called a family member who is an in law yesterday XX/XX/year> asking for me to call them they then called the same person today but left a voicemail as if they were calling my personal number requesting I call her back today. They have called another family member yesterday as well they are not supposed to call a family member more then once they have now called the same family member twice XXXX of the calls was requesting for me to call back and credit laws say they XXXX cant call a family member more then once and the other close states they can not call a family member and ask me to call them back. I have the voicemails saved in my phone. They address my inlaw as my full name as if Ive given them that number which I never have so to call a phone number thats never been on my account and leave a message for me is wrong and harassment as this point. No letters have been sent to my home.
Product: Debt collection

When applying for a mortgage in XXXX, I was informed a derogatory account was on my credit report from a company called Transworld. I've never heard of or done business with them. I tracked the company down and was told I owed a medical debt of {$120.00} to a lab in New York. I had moved more than a year earlier to Colorado. I explained I never received a notification of the bill. We had gotten new insurance, in a new state. I offered to pay the debt immediately. However, Transworld told me once paid, they would not remove the derogatory account from my credit report. I explained I had no notice of this bill or opportunity to dispute and would have paid had i known. They told me " we aren't here to help you. We work for the client, XXXX '' and hung up on me. So I called Ameripath/quest diagnostics and paid the bill directly to them onXX/XX/2021. However, they have still refused to remove the derogatory account, which is affecting my mortgage. It is the only blemish. It's unfair to have been given no notice. My phone number didn't change. They didn't call.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting my ability to obtain credit.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit card or prepaid card

XX/XX/XXXX I was advised of several high charges on my Bloomingdales store account. I contacted the fraud dept. immediately and we cancelled the store card. They would be investigating and sending a new card. Payments were on hold. I haven't used the account in over 2 years so I don't owe them ANYTHING. Another card arrives and not used but in XXXX I discover more fraudulent charges on the NEW acct. I contact them and again acct. cancelled. New card sent, under investigation, no payments due at this time. On XXXX XXXX, because I had autopay set up, they deducted full amount from my bank acct. {$3200.00}. I am still trying to get this back. I call almost once a day. They promise 3-5 business days it will be put back in my checking acct. This has been going on since XX/XX/XXXX and still my money has not been returned. I even had to fax them a copy of my bank statement to prove that they had taken the money from me. I do not feel very secure about them having my banking information. 
On XXXX XXXX I received a letter stating that they reversed the other charges from XXXX That was a day after they took the {$3200.00} from my bank. I believe these both were " inside jobs '' since it was only Bloomingdales store acct. affected, not the XXXX XXXX part of it, not the other store, XXXX XXXX, which is same XXXX. XXXX XXXX XXXX  company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sued me back in XXXX. I agreed to a settlement prior to a judgment against me with XXXX XXXX XXXX XXXX. I made my payments. in XXXX I moved from XXXX XXXX XXXX. I tried to make my last few payments to XXXX XXXX and they told me that i they no longer were able to take my payments. spring forward XXXX  years. I am trying to make some repairs on my home. I apply for a loan. The judgment appears on my credit report and now I am not able to get a loan. My report says it is a judgement and it was never ruled a judgement by the courts in Colorado. In addition, I made all of my payments on time as directed by the settlement. XXXX XXXX stopped servicing my payments in XXXX. I never knew this was on my credit report as I did check all XXXX credit agencies periodically.. Now I have a judgment that should not be there and no way to figure anything out as XXXX XXXX is in Utah and has no information except that XXXX took everything back from them and now shows the full amount before payments and settlement agreement.