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

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Ally Financial will be civilly liable under Title 15 U.S. Code 1692k if Ally Financial failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documentation on the OneMain Financial Account. OneMain Financial has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally OneMain sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/XXXX of 2023 that the autopay feature on my loan with TD Auto was disabled and it made me default on the loan by 30 days. Upon noticing said issue I immediately paid any outstanding money owed and thought the matter was resolved. 3 days later on XX/XX/2023 TD Auto marked my credit as 30 days late for the XX/XX/2023 payment. Whe I called I was told the auto pay was turned off. When I asked who turned it off the representative was not able to tell me who it was and notified me to submit a complaint. I submitted a complaint both to TD Auto and experian and was told that the reporting on my credit wsa accurate. I do not agree with this as I did not have anything to do with disabling the auto pay. One thing that did pass duing this time is that TD Auto updated their website which I believe had something to do with this and they are not willing to take ownership of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account with XXXX XXXX. I have had it for over 10 years. I have perfect credit history with no a single missed payment in the past 18 years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late 30 days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the 30 days late from my credit reports.
Product: Money transfer, virtual currency, or money service

I made purchases from XXXX on line store in XX/XX/2017 by my XXXX XXXX debit card and returned the products in XX/XX/2017. But I cancelled my XXXX XXXX debit card in XX/XX/2017. But XXXX 's Bank 5th 3rd Bank still sent the refund back to XXXX XXXX my debit card account after I called them I cancelled my debit card and would like them to send me a refund check. After almost a year 's efforts to locate my refund, XXXX XXXX claimed it has received my refund on XX/XX/2017 from XXXX but also returned back to XXXX XXXX Bank 5th 3rd on XX/XX/2017. However, I haven't received any call or email about my refund from 5th 3rd Bank so far. I tried to talk to its customer service by email and calls. Either they told me money is in XXXX XXXX or just ignore my requests.
Product: Mortgage

We refinanced our home in XXXX. We were taken advantage of by predatory lending.We did not receive a Good Faith Estimate. Banking and Finance in Georgia informed me that the mortgage lender did not have a license to do business in Georgia at the time of our closing. The mortgage lender license expired XXXX XXXX, 2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. 
I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX  but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! 
Also fix their unfriendly annual credit report. 
I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate and harmful credit reporting by XXXX XXXX and credit reporting agencies ( XXXX, XXXX, and Equifax ). Despite multiple disputes and requests for correction, the inaccurate information remains on my credit report, negatively affecting my credit score and ability to purchase a home. 

In XXXX, I opened a secured credit account with XXXX XXXX. I requested to close this account in XX/XX/XXXX. However, XXXX XXXX failed to honor my request to close the account, and the account remained open. As a result, fees accrued on the account, leading to late payment ratings being reported on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) : The credit bureaus failed to conduct a reasonable reinvestigation of my disputes within the required timeframe.

623 ( 15 U.S.C. 1681s-2 ) : XXXX XXXX XXXX XXXX a data furnisher, failed to ensure the accuracy of the information reported and did not properly investigate or correct the inaccuracies when notified. 
Harm Caused : This inaccurate reporting has significantly impacted my credit score, making it difficult for me to qualify for a mortgage and achieve my goal of purchasing a home. Despite my good-faith efforts to dispute the inaccuracies, XXXX XXXX and XXXX credit bureaus have not corrected the errors. 

Pattern of XXXX by XXXX XXXX : XXXX XXXX has a documented history of unfair and deceptive practices, including recent lawsuits and settlements for violating consumer protection laws. Notable examples include : XX/XX/XXXX CFPB Order : XXXX XXXX was ordered to pay {$3.00} XXXX in fines and restitution for systemic misconduct, including improper fees, interest charges, and unauthorized account activity. 
Other Settlements : XXXX XXXX has been repeatedly fined for mishandling consumer accounts, reporting inaccurate information, and failing to comply with federal laws. 
These cases demonstrate a consistent pattern of consumer harm, reinforcing my concerns about XXXX XXXX handling of my account and reporting obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased a new home ( address XXXX XXXX XXXX, XXXX, Az. XXXX on XX/XX/XXXX. Funds were wired from my mortgage company to Lakeview Loan Servicing ok XX/XX/XXXX. 

The seller was in foreclosure prior to the completion of this sale. Funds remitted to Lakeview paid his loan in full and should have resulted in the stoppage of foreclosure. It did not, and a foreclosure sale occurred on XX/XX/XXXX. 

I have tried, unsuccessfully to get into contact with Lakeview to have them resolve he matter. Foreclosure should be rescinded immediately. 

Separately, the debt collector/attorney of the company which purchased the foreclosure stated verbally to me that they knew the lender had messed up but that they needed to threaten me with action to get me to put pressure on the mortgage company .... Not ethical business practices on behalf of attorney XXXX XXXX in XXXX az.
Product: Debt collection

On or about XX/XX/2018 I received a billing invoice from XXXX XXXX in the amount of {$280.00}. I am XXXX and unable to pay the entire amount. On XX/XX/2018 I sent a payment on account of {$20.00}. They accepted the payment, the check cleared my bank on XX/XX/2018. 

Beginning on XX/XX/2018 and continuing through today, XX/XX/2018, I have received 80 calls on my cellphone from the debt collector. They have called as many as 18 times in the space of two minutes. They leave no messages, they just continue to call. 

I've done my research on XXXX XXXX. They have a reputation for harassment, verbal abuse, and unreasonable payment demands. I have nothing and I have no income. I intend to pay the amount owed but I will not be threatened, harassed, or bullied.
Product: Credit card or prepaid card

On XX/XX/ 2022, I received an email from Capitol One that my XX/XX/XXXX payment had been returned due to my account being closed. I was unaware that an old payment account was still attached to my account, and discovered there is no way to remove it unless you call. I logged into my Capitol One account online and saw that the payment was returned XX/XX/XXXX. My credit card payment is due XX/XX/XXXX. I wasn't notified that my payment was returned until XX/XX/XXXX, and was charged a late fee and a late payment would be reported to credit agencies. To re-iterate, Capitol One received information from my previous bank that payment would not be made, and my payment was returned on XX/XX/XXXX ; I was notified of this occurrence two days later, one day after my payment due date. I was essentially duped into a late payment because Capitol One neglected to tell me my payment was returned for two days, until after my payment was due.
Product: Bank account or service

I stopped auto payment for several credit card companies and they still auto drafted. I submitted claims with Chase to dispute those transactions. They supposedly filed disputes and said they would recover the funds for me, but then 3months later, they closed my account, and paid {$680.00} from my checking account which now has me overdrawn over {$400.00}! I called Chase and they are unwilling to help. Please help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS VIOLATED FEDERAL LAW AND MY RIGHTS. Please read attached document to view my complaint. Also attached is my proper identification and recent consumer report. I demand a response within 15 days upon receipt of this complaint in writing and via MAIL.
Product: Mortgage

The mortgage was originated back in XXXX of XXXX with XXXX XXXX and later acquired by XXXX XXXX. The note reads " FIXED RATE MORTGAGE NOTE ' Pick-A-Payment Loan ''. In XXXX I was forced to file Chapter XXXX bankruptcy, due to some Real Estate investments that went bad. The BK plan was for me to pay my mortgage payment to XXXX XXXX directly each month, while also paying the trustee {$960.00} each month as well. I did this for the whole 60 month term, and was discharged in XXXX of this year, XXXX. That same month XXXX XXXX transferred the note and servicing to BSI Financial. I have been trying to reconcile with BSI ever since, and just yesterday they gave up and explained to me that they could not explain their records. They sent me a copy of the note and what they are calling the mortgage history from XXXX XXXX, which is not decipherable. The agents final comment was " this is all we can do ''. This is why I am coming to CFPB for help. Some of the issues I am trying to resolve with XXXX and BSI are : Inaccurate accounting on the part of XXXX XXXX regarding claims for delinquent payments that I can document as paid Changing the mortgage payment before the anniversary date as outlined in the note ; a clear violation of the terms of the note Erroneous principal balance, overdue payments and deferred payment data from BSI that they cant explain * Nothing but confusing records and mortgage history ledger which cant be understood or explained by the servicing companies
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I sent small dividend checks largest one is XXXX dollars to deposit to JP Morgan Chase bank XXXX NY XXXX by registered mails 3 times this year. They were never deposited. The checks were never returned. Still did not get answer from the bank.
Product: Checking or savings account

On XX/XX/2020, I used the bank of America 's ATM machine at work ( which is at XXXX  ), to withdraw XXXX dollars, I have been doing the same thing for a couple of months since the bank branches are always long wait during the pandemic, only this time no money came out of that machine. so I immediately called the number it posted and filed a claim. I thought of nothing since it's a bank 's machine malfunction problem that should be easily solved. After the claim was filed, a temporary credit was issued the next day. however, after XXXX weeks I received a denial notice stated that money was dispensed to me and If I disagree. I had to use an old fashion fax machine to apparel, which I did XXXX, all are denied. and the bank refused to show or state that they actually have a video showing i did receive the money
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting or other personal consumer reports

XXXX  has placed a collection item on my credit report it was opened on XX/XX/year> on transunion yet on XXXX  it says it was open on XX/XX/year> which is wrong therefore needs to be deleted. 

this account in nearly 7 years old which according to the FCRA is by law needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports