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

In XX/XX/2019, I reported to Ally Financial that one account had been fraudulently opened in my name on XX/XX/2019. Ally financial instructed me to complete an affidavit, file a police report, and inform all major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Ally Financial that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Ally Financial that I owe them. Ally Financial is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit card

AMEX phoned me and invited me to apply for a gold AMEX card. Said I was prequalified. So I applied over the phone, was denied. I appealed the denial - AMEX says I was denied because my old AMEX card was cancelled in 2003. That was thirteen years ago during the financial crisis I could n't pay my bills. I have over XXXX credit now, always pay my bills, high credit lines on all my existing credit cards. Why wo n't AMEX forgive and forget? It seems like it is a violation of the Fair Credit Billing Act to hold something over seven years old against me. That old AMEX debt was never pursued and was forgiven by AMEX, it is legally extinguished.
Product: Credit reporting or other personal consumer reports

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. 

US DEPT. OF EDUCATIONXXXX : # XXXX, 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 Section 2 : It also states a consumer reporting agency can not furnish a account 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 of any other adverse item of information, other than records of 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Im unable to access my account and none of their phone services are up for help. They have been down for a week and i need my bank statement to close on my home.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm currently in a dispute with XXXX regarding a late payment on my home loan. The loan was originally serviced by I'm currently in a dispute with XXXX regarding a late payment on my home loan. The loan was originally serviced by XXXXAMERICAN PACI , but then transferred to. During the transfer, there were errors processing my payments, even though I made them on time. I wasn't notified about the issue until the account was already 30 days late. I immediately paid the outstanding balance, but XXXXAMERICAN PACI still reported the late payment to XXXX. This is unfair as the delinquency was due to their error, not mine. I am working to get this inaccurate information removed from my credit report.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 of 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 pe
rson knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One thinks I am owner of the credit cards past due. I am not the owner of those credit cards. They continue to email me and put it on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding 7 unauthorized hard inquiries that have been reported on my credit file. These inquiries were made without my knowledge, consent, or any valid contractual agreement, and they violate my consumer rights under federal law. XXXX has had multiple issues with breachs and I need it fixed so I can move on with opportunities that were taken from me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, hard inquiries may only be made with my written authorization. I have not provided consent for these inquiries, nor have I entered into any agreements with the entities responsible. As such, these inquiries are in violation of the FCRA, which mandates that only authorized and accurate information be reported on my credit file ( 15 U.S.C. 1681e ( b ). 

Moreover, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), these unauthorized inquiries constitute a privacy violation, as they were made without my express permission and without a valid contractual relationship. The inclusion of these unauthorized and incorrect inquiries has caused significant harm, damaging my creditworthiness and denying me financial opportunities. The emotional and mental distress caused by this situation has been profound, as I have lost trust in the companies that acted as fiduciaries but failed to uphold their duty to act in good faith.

I request immediate investigation and removal of these erroneous hard inquiries from my credit report, as they are unlawful, inaccurate, and detrimental to my financial well-being. These inquiries must be removed to ensure the accuracy of my credit report, as required under the FCRA and related consumer protection laws.

I look forward to your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i've disputed erroneous information on my credit report with Experian. 
They refuse to investigate the matter. 
Account : XXXX XXXX # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under XXXX XXXX XXXX XXXX XXXX XXXX.States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessful in trying to reach out to Nationstar regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking Nationstar to address in an urgent manner and to be corrected.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

Inquires to be Removed : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team XXXX XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes XXXX sense. This needs to be fixed.
Product: Mortgage

I have filed complaints and have tried to contact Nationstar to discuss loss mitigation but they refuse to talk to me. Loss mitigation companies, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, both tried to call them many times since XXXX of 2021 to help me with loss mitigation but Nationstar has refused to talk to them also. 

Nationstar 's attorney told my attorney that I should not have a problem talking to them, however, that turned out to not be the case. They obstruct any way for me to make payments or to do loss mitigation. They did not honor a loan modification that I got from XXXX  XXXX XXXX even though I made every payment according to the loan modification. They do not even send out monthly mortgage statements. This company does not do what they say they are going to do. They tell the CFPB that they will respond to my complaints but not only do they not respond but they will not talk to me at all. 

I have put my life savings into this property and I don't have enough time in my life to do it again. 
They just want to steal my house and it appears that they do whatever they can to make that happen. They try to take advantage of older people as they think they can get away with it. This needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter on my own accord without any assistance from a credit repair agency/specialist or 3rd party individual. I have reported this error multiple times and the information is still being reported wrong. And due to this false reporting it is causing me anxiety/financial hardship by making it impossible to find a place to stay. 

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. 

XXXX XXXX XXXX # XXXX This is grounds for removal they also violated my rights under : 15 USC 1681i Section 5 ( A ) ; If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. 

15 USC 1681i- Procedure in case of disputed accuracy I sent a letter to XXXX XXXX Transunion XXXX and XXXX XXXX XX/XX/22. It has been well over 30 days and I still haven't recieved anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without written instructions. I never consented to have my information reporting and please send me the name and contact of the person used to verify this account and original paperwork.
Product: Credit card

Line of credit was closed while in good standing. Rep stated there were too many open accounts in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Monetary Relief Due to False Credit Reporting To Whom It May Concern, I am writing to formally demand monetary relief due to your companys inaccurate and unlawful reporting of an account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to follow strict guidelines when reporting and collecting debts. XXXX has failed to comply with these laws in the following ways : XXXX. Failure to Notify Me Before Reporting The FCRA requires debt collectors to notify consumers before placing negative information on their credit reports. I never received any written notice or communication from XXXX before discovering this account on my report. 
XXXX. Falsely Reporting a Debt The debt XXXX reported is not mine, and I dispute its validity. Reporting false or unverifiable information violates the FCRA. 
XXXX. Failure to Provide Debt Validation If XXXX had contacted me, I would have immediately requested debt validation. Because I was never notified, I was denied the opportunity to dispute the alleged debt before it was reported. 

Damages and Relief Sought Due to XXXX actions, I have suffered financial and emotional distress, including but not limited to : A drop in my credit score, negatively affecting my ability to secure loans and credit at favorable interest rates. 
Time and effort spent disputing the false account. 
Emotional distress from dealing with inaccurate credit reporting. 

Under the FCRA and FDCPA, I am entitled to statutory damages of up to {$1000.00} per violation, in addition to actual damages for financial harm and emotional distress. Based on these violations, I am demanding a settlement of {$2000.00} for the harm caused by your unlawful reporting practices. 

Next Steps I request that XXXX remedy this issue within XXXX  days of receiving this letter by : XXXX. Paying the requested settlement of {$2000.00} XXXX. Immediately removing the inaccurate account from my credit report. 

If I do not receive a satisfactory response, I am prepared to take further action, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX. 
Pursuing legal action under the FCRA and FDCPA, where I may seek additional damages, including punitive damages for willful noncompliance. 

This letter serves as a formal good-faith attempt to resolve this matter outside of court. Please respond in writing within XXXX  days to confirm your compliance. I can be reached at XXXX or XXXX if you wish to discuss a resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I recently opened the account on XX/XX/2019. It is not what I thought it would be, no checks, and no ATM, etc. As a XXXX person on Social Security, I was looking for a new fee account, but this is not working for me. So I want to close the account. I paid one deposit for {$25.00} and made a cell phone bill for {$25.00} making a XXXX balance, what I am afraid of they will start charging me for no money in the account and try to collect, thus I want to close this account
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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT XXXX XXXX, U.S. Bankruptcy Court
Product: Credit card or prepaid card

Citibank is currently charging me several late fees that have amounted to {$250.00} dollars plus interest. It has become excessive, perversive and impossible to use the card. I have never been late and I have always paid all of my bills monthly. Citibank has come out in the news explaining how they do not over charge with late fees, but this is what they have been doing in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted XXXX county evac and was told this would be taken off my credit as I do not owe it. It should have been paid by XXXX. They had all our insurance info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$12.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX : {$230.00} XXXX  XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original XXXX : XXXX ) XXXX : {$230.00}
Product: Payday loan, title loan, personal loan, or advance loan

Took out loan and hard to pay back due to fees and interest they kept adding fees and late fees
Product: Mortgage

XX/XX/2023 To Fifth-Third Representative, XXXX XXXX XXXX This is a response to a letter I received on XX/XX/2023, notifying me that my mortgage loan was to be paid in full. This letter is in direct conflict to the previous agreement crafted by XXXX XXXX XXXX representative and 5/3 representative XXXX. In that agreement, I was to pay around {$2300.00} by XX/XX/2023, at which time my mortgage would be reinstated at its original monthly payment. 
I am prepared to make the payment as agreed upon my XXXX the XXXX and 5/3. I am open to speak with anyone to resolve this issue immediately. You may email me at XXXX or call at XXXX. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young college student and dont have money to be giving that i never spent.