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

Ally Financial wrongfully raised my APR rating and i believe it had something to do with racial profiling and did not properly insure that credit acceptance was applied. They did not communicate and payment options to help come current with the car note or send a letter of repossession. They just took the vehicle.
Product: Credit reporting or other personal consumer reports

I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. XXXX NEW XXXX ACCOUNTS HAVE BEEN REPORTED ON MY CREDIT REPORT WITH XXXX ONLY AND ACCORDING TO 15 US CODE 1681a XXXX XXXX XXXX THESE XXXX COLLECTIONS ARE IN VIOLATION AND CANT BE ON MY CREDIT REPORT XXXX PARTNERS AND THE ORIGINAL CREDITOR IS EMERGENCY RESOURCES GROUP IN WHICH XXXX XXXX ACCOUNTS HAVE ALREADY BEEN REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy under 15 usc 1681. 

acc name XXXX XXXX XXXX acc # XXXX acc name XXXX XXXX XXXX XXXX acc # XXXX acc name XXXX XXXX acc # XXXX ACC NAME XXXXXXXX ACC NAME XXXX XXXX XXXX  has violated my rights.

15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section2 : it also states a consumer reporting agency Connot furnish a 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, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-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 accurate.
Product: Money transfer, virtual currency, or money service

My wife 's Cash App account was hacked. Noticed that there was XXXX w/d from her Cash App that was linked to her debit card and ultimately our checking account. I reported the fraud to XXXX XXXX XXXX immediately and my wife reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. I tried re-opening the case with XXXX XXXX XXXX and I was denied. I even provided all the screenshots that requested showing I was working with Cash App to resolve and listed on my fax to them that this was complete unauthorized fraud. XXXX XXXX XXXX and Cash App still refuse to assist me. This has been going on for months. XXXX XXXX XXXX  reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

Cash App will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to Exprian, XXXX XXXX XXXX and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.
Product: Debt collection

CBC credit service is reporting that I still owed the XXXX county XXXX money, which I was in XXXX about year ago they told me that I dont owed them nothing, so CBC credit service is still reporting the owed account saying that I owed them XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. 
After reviewing my report, I have identified an account that I believe contains errors. I request an immediate investigation and correction of the following account : Disputed Account : XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$36000.00} Hard Inquiries to Be Removed : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If this account can not be verified as 100 % accurate, I request its immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.
Product: Payday loan, title loan, personal loan, or advance loan

Company : SoFi ( personal debt consolidation loan ). 
I received misinformation from customer service on Friday XXXX. Called Friday XX/XX/2024 at approximately XXXX XXXX and spoke with two reps regarding the auto-draft that was scheduled for the same day. One rep disconnected and the XXXX rep ( XXXX XXXX, confirmed that I could change checking banking information and she processed my payment over the phone from a different account. 
Today Monday XX/XX/2024, I checked both of checking accounts and both accounts show a drafted payment and now a double payment was drafted from XXXX separate accounts when I was told it would not happen. XXXX of my checking accounts nearly over drafted and I don't have enough funds to pay my upcoming utilities due this week. 
Today Monday XX/XX/2024, I called SoFi at XXXX XXXX and spoke with XXXX who advised about the misinformation that I received and advised that she's going to escalate my issue because she can not confirm if I can get a refund for one of the double payments that was drafted from both accounts and this may take XXXX business days. My checking 's account is going to over draft as I have bills to pay within that timeframe.
Product: Debt collection

Dispute of an Auto loan Account number : XXXX Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding an auto loan account with CarMax, which is listed as a closed account with a balance of {$3800.00}. The vehicle associated with this loan has been repossessed, but I am requesting that this account be removed from my credit report entirely. 

While I acknowledge the account was closed and the vehicle was repossessed due to non-payment, I believe that the continued presence of this entry on my credit report is severely impacting my ability to rebuild my credit. As such, I am respectfully requesting that this account be removed from my credit history, even though the loan balance is still owed. 

I am aware of the financial obligations associated with this loan, but I ask that the account be deleted from my credit report in consideration of my efforts to improve my financial standing moving forward. I would appreciate your understanding and cooperation in removing this account as a goodwill gesture, as it is severely hindering my credit score and future financial opportunities. 

Please review the information and consider my request. If there is any additional information I can provide to assist with the resolution, please do not hesitate to contact me. I look forward to your timely response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

During XXXX and XXXX My account has a unauthorized person access to my business account which resulted in my account being closed. I was informed that i was going to be issued another card several days after the account was closed, but the Card company has not done so ultimately interrupting my business operations by discriminated against me for being a victim of a fraudulent transaction. Ive not been properly assisted in this matter. Forcing my business to go through this is arbitrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are Equifax XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over XXXX points. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX  ) is trying to collect on. XXXX is incorrectly reporting on this fraud in my credit report. I would like for XXXX to remove this negative mark as soon as possible.
Product: Mortgage

My loan modification was denied XX/XX/XXXX. I applied for modification XX/XX/XXXX and my loan number was XXXX. 

I was a victim to Bank of Americas load modification scandal. It took an application process 1 year and 7 months to reach a decision. This was due to being told I was missing a document when I wasnt and being told I had an incomplete application when I didnt. Also could not reach my loan XXXX as they would not return messages. My loan XXXX told me not to pay my mortgage because when the modification was approved the past due payments would get lumped into the modification. She said because I had a VA backed mortgage it was a certainty of approval. When we would call her we would always get her voicemail but it would have her supervisors number and we would call that and get the same thing. The only way to get her on the phone was to call from a number we had not called from prior. On XX/XX/XXXX BoA sold our mortgage that was in foreclosure to XXXX XXXX. Because of BoA tactics we lost our home, filed XXXX, and my benefit with the VA was restricted. That led to me paying more for our next home as I have a debt to the VA that was not paid back. To this day we are still feeling the effects of what BoA and their unethical and fraudulent misrepresenting has done to us.
Product: Debt collection

I called someone in the office today and her name is XXXX?? Shes very rude. Also, if your company located is is the United States, why do I have to pay the debt through XXXX XXXX?? What are other ways can I pay??
Product: Debt collection

On or about XX/XX/year> I received a notification from XXXX XXXX that there was a delinquent account reported on my credit bureau account. Open accessing my XXXX XXXX account I saw there was an account reported by Cedar Business Services on behalf of XXXX XXXX XXXX. I have no knowledge of either of these companies but I have never had service with XXXX XXXX, Upon researching I have discovered that this company offers security services. These services that they offer require Wi-Fi , High Speed Internet and or XXXX. I have access to none of these. services. The address that they were originally reporting I never lived at and the one they just added I just moved to in XXXX of this year after a long investigation by the Eastern District of Virginia Federal Bankruptcy Court. The address that they have reported as the service address has no access to high speed internet, XXXX or Wi-fi. To access the internet I have to use the hotspot on my phone. I have tried to reach out to both Cedar Business Services and XXXX XXXX XXXX and they do not have a customer service rep that answers the phone. In fact they do not even have a valid number for one of the companies at all. You have not availability to speak with a person in regard to service, accounts, or any information. I would not have the need for this service as there is no internet access at this time or has been in the past to even allow this service to work. Prior to XXXX of this year I was a resident of XXXX XXXX and my home there does not offer services for any of the internet options to make this service work or usable. This is not my account and I will not be held account for this. It needs to be deleted from my credit report and by credit report corrected to reflect this deletion and my score needs to be updated to reflect this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/, I became aware that my mortgage company, PHH, had failed to pay my property taxes from my escrow account when I received a delinquent tax notice from my town, with a penalty and interest assessment, and warning of a tax sale if the issue is not resolved. PHH had previously assured me on XXXX XXXX XXXX that it was " preparing the payment '' for my property taxes, and that " [ t ] here [ wa ] s no need to forward a regular tax bill to '' them. I was under the impression my taxes had been paid until I received the notice from my town on XX/XX/XXXX. On XX/XX/XXXX I immediately reached out to PHH by phone and email, providing the documentation and requesting payment of my taxes. I have since then continually followed up with PHH, by both phone and email, to no avail. The money continues to sit in my PHH escrow account, my property taxes remain unpaid, interest and penalties continue to accrue, and my home remains slated for a tax sale if the issue is not resolved. Today, XX/XX/, I received notification that the servicing of my mortgage account is transferring from PHH to XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), no changes have been made to resolve this issue, in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the errors remain on my credit report. 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. This obligation has not been upheld in my case. 
TILA Violations : The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused significant harm to my creditworthiness and financial well-being. 
Summary of Errors and Discrepancies : The reported late payments for this account are inconsistent and inaccurate across different months and reporting periods. Specific discrepancies include : Late payments reported for months where no late payments occurred. 
Different late payment statuses reported across credit bureaus. 
Dates of delinquency that do not align with the accounts actual payment history. 
These errors significantly misrepresent my credit history and have negatively impacted my creditworthiness.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
I look forward to your prompt response to this matter. Please send confirmation of the corrections to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and XXXX reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law
Product: Mortgage

I was running late on my payments for well over a year I would make the payments at the end of the month. I would always call them and post date a check for when I could make the payment. I have been on time now for the last 13 months. I set up an online account with them only to see they offer you setting up a Promise to Pay with them and they will not charge you a late fee. I have over {$600.00} in late fees sitting on my account that I feel if they would have let me know that such a thing existed I would have not been charged those fees especially because all along I always communicated with them and feel that I should have been made aware of that only for them to be able to charge me an extra almost {$50.00} a month. I did ask them if they would kindly reverse the fees because I feel like I should have been made aware I could have done that so I did not Incur the fee if I could have prevented it and they refuse. I feel like its unjust. Please help!
Product: Mortgage

As of today we are in contingency waiting more additional paperwork from the buyers to go back to underwriting. When they accepted this loan XX/XX/XXXX they told Me the process takes XXXX days. Were closing in on the XXXX  day mark yet with no finish line. They just requested last week that my buyers pay off all their debt. Provide explanitory reasons for taxes. They told us that due to new process that if we dont provide information in XXXX  days that they will push our loan to the end of the pile. However we have fought and fought with them and it just feels like they are dragging this out due to them not getting a current interest rate all while I have not been living in the house for almost a year now and I accepted this off in XXXX of 2023. I have burned through ALL my savings and XXXX dumping both my paychecks into this house payment, all while not getting any ol information from these people.
Product: Mortgage

I purchased my home in XXXX with a 12.95 % interest on the second mortgage, with a promise from the mortgage broker to refinance to a lower interest rate after 6 months of good payment history. On the XXXX month a returned to that mortgage company for refinance and was ignored. As I saw property value decline, I attempted to sell the property, as I was overwhelmed with the large payments. 
I discovered that the home was never transferred and that the mortgage was never recorded. After contacting mortgage company and no action on their part, I stopped paying. The home was transferred in my name approximately 4 years later, at which time the value of the property had crashed. After a modification in XXXX I resumed payments with primary mortgage thinking that this was my only mortgage. 
11 years after I stopped paying, I discovered that the second mortgage had been sold to a different lender and they were then requesting payment. I responded a With a request that the mortgage was valid and did not hear back for a while. Maybe a year later that second mortgage filed foreclosure against my home. A final judgement motion is pending. Please help.