23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % 100 fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...
Product: Debt collection

ZALES- account not mine, I have waited 7 years for them to DELETE this account from my FILE .. please see proof attached, the burden is on them now to delete, it says on my file until XX/XX/year> PLEASE DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX originally placed a Fraud Alert on my Credit Report sometime in XX/XX/XXXX or XX/XX/XXXX that I " Did Not '' Request or Order ( so I'm unaware of the exact date alert was placed ). Then when I called & had the Fraud Alert Services Be Cancelled from Equifax on XX/XX/XXXX they sent an Extended Fraud Alert Request on my behalf ( per confirmation letter ) to XXXX XXXX & XXXX that I again did " NOT Request or Order now I'm having problems getting the Fraud Alerts taking off my Credit. I didn't ask, Order or Request the Fraud Alerts be placed there by Equifax, XXXX or XXXX   and I can't get the Alerts taking off by XXXX or XXXX. Neither of these Companies are assisting me with the Fraud Alert Removal Process that I didn't even Request or Order. Equifax originally sent the Extended Fraud Alert Request to these Agencies without my permission and or authorization & knowledge.
Product: Mortgage

we fell behind in mortgage, way behind. we have tried for loan modifications several times. one company took {$2500.00} and closed up shop taking my money with them. Rushmore, the mortgage company told me they would do modification for free, take 30 days. I called about 3 months later after never hearing anything even after phone calls and told they never did it and it takes 6 months!. we have gone to many people, taking money up front, even after I told husband not to do it, and no where. I cant do thru bank either. Now on XXXX XXXX I got a letter telling us that we had to sign our keys over to Rushmore by XXXX, 2016. That we would get only {$2500.00} AFTER they decided if it was acceptable to them. I have since got a letter from a lawyer telling me that the auction on property is XXXX XXXX, 2016 at XXXX XXXX. If it is being sold at auction then Rushmore is in now way going to give me moving expenses since they will then no longer own property. we have not sent back their letter. I do not have means to move as rents in my area are as high as mortgages! we also have a XXXX yr old son that they are putting out on street. We need longer then XX/XX/XXXX to get up funds and need much more then the {$2500.00} they offer.
Product: Checking or savings account

Hello, I recently turned XXXX and I opened a current account because they have good savings interest rates. 

I tried to transfer my money in directly. Apparently the transaction did not go through and there were issues in the transfer, so it got marked as fraud and I got an e-mail asking for my drivers license, a selfie with my drivers license, and a bank statement from my original bank ( XXXX XXXX ). 

After checking that this was indeed the fraud e-mail for current, we had a back and forth, I didnt send everything correctly, and eventually I sent everything in ( I believe correctly ) by XX/XX/XXXX ( the process started XX/XX/XXXX ). 

I havent gotten a response since. I had already changed my direct deposit to the new current account, so there are {$140.00} from my part time job that I really want access to that I cant get access to. Ive chatted with current representatives several times asking for updates, and they always say that the fraud department is still working on it. 

The thing is, I havent received an e-mail from them since XX/XX/14, and Ive e-mailed them several times.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX BANKRUPTCY XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred to Raymond James Bank a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying Raymond James Bank was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called RJB to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The RJB online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.
Product: Debt collection

On XX/XX/XXXX I was forwarded a debt collection notice. It states that I owe a principle of {$1300.00} and interest in the amount of {$530.00} for a total of XXXX. This notice was sent to me via a text message from the people that now live at my old address. I have not lived at that address since XXXX of XXXX. I did not receive any request for payments from this company. Any medical payment requests should have been first sent to medicare. I do not know of any debts owed. I have always payed any debts promptly. I have lived in New york almost 3 years and have not received any payment requests to my address from this company. I have not had any unpaid bills from any medical company in XXXX XXXXXXXX.
Product: Mortgage

On XXXX/XXXX/XXXX, my mortgage was transferred from XXXX XXXX to Nationstar/Mr. Cooper mortgage. I had made my XXXX payment to XXXX prior to the transfer, but somehow, initially the advice of my XXXX payment was not communicated. I worked with Mr Cooper and they eventually did find the payment after I forwarded them proof. They assured me that there would be no negative impact to my credit as the error was not my fault and it was also during the RESPA period. This was a lie. They are reporting me with a 30 day mortgage late for a payment that was made to the previous services PRIOR TO the transfer.
Product: Mortgage

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Product: Credit reporting or other personal consumer reports

Hello, there is a fraudulent account on my credit report. A collection account under the name of XXXX XXXX XXXX with an account number of XXXX, the debt was bought from XXXXXXXX XXXX XXXX. I have never lived at XXXX XXXX  XXXX. It is shown as a joint account with XXXX XXXX, I do not know this person. I contacted the collection company and the credit bureaus immediately at the realization that my identity has been stolen. After painstaking efforts and a lot of time spent on trying to get my case heard, they have refused to give me the justice I deserve as a victim of identity theft. I am trying to buy a house, this fraudulent account has totally destroyed my credit score and the dream of finally becoming a home owner. Due to lack of knowledge on how these things work, I accepted an offer for a settlement with the collection company hoping that this fraudulent account be removed from payment. But it is still appearing on my credit report, now not only I paid for the debt that was a product of identity theft, this fraudulent account is still damaging my credit score. It is my last hope that CFPB can assist me in removing this fraudulent account from my credit report and make things right.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e ( b ) it states this ( 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. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I submitted a claim last year in reference to my Santander loan. But wasnt given any solid information. Santander consumer is known for charging unnecessary fees and preying on their consumers with outrages APRs. I had my car for over 5 years and the balance never changed from {$17000.00} ( XX/XX/XXXX ) until XX/XX/XXXX and it finally moved to {$16000.00}. They are trying to show that I was late XXXX times, when I WASNT. I do not owe over {$15000.00} after having the car for YEARS!
Product: Debt collection

I have sent a debt validation letter back in XXXXXXXX XXXX XXXX. Im still being harassed even though I havent been sent any debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that Transunion, XXXX, and XXXX to investigate the following accounts : 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 ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.
Product: Vehicle loan or lease

We returned our XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX XXXX, they took possession of the vehicle in XX/XX/XXXX and we obtained a new lease on the same day, XX/XX/XXXX. XXXX XXXX was our sales person, he took the keys to the XXXX XXXX and presented our keys to the XXXX XXXX XXXX that we began a new lease on. In XX/XX/XXXX we received a call from Nissan Finance followed by a letter stating that we owed them {$770.00} for rental and excess wear and tear. XXXX XXXX never communicated to Nissan Finance that they took possession of the vehicle in XX/XX/XXXX. Additionally, after taking possession of the vehicle XXXX never walked over the vehicle with us to let us know that there may be additional fees for wear and tear. By not walking around the vehicle with us and documenting any damage XXXX has prejudiced us as we had no ability to discuss the alleged damages. Also, since XXXX had possession of the vehicle from XX/XX/XXXX to XX/XX/XXXX they can not make any allegations of wear and tear against us. XXXX may have caused the alleged damages that Nissan is attempting to collect and has sent to a collections agency. 

We demand that XXXX XXXX of XXXX XXXX XXXX take care of this bill as it was due to their incompetence that a bill arose from this situation. Additionally, if there is anything against my credit, I demand that XXXX and Nissan remove any of this against my credit immediately.
Product: Debt collection

I requested not to be called by Confident financial Solutions. I spoke to them and let them know my husband had been moved to bi-weekly paychecks and I would make a payment when I can. 

I have been recieving phone calls Daily even though I asked them not to. It is bad enough I stopped answering my phone. Then I began recieving email a couple times a day. They also began calling my Mother in law and Father in law at home and work. They discussed my loan even though my In laws are not on this loan at all. 

The final straw arrived today XX/XX/XXXX. I received a message on my work XXXX page. They made it seem like I was a friend they had lost contact with and was double checking I hadn't changed my number. 

When I said I didn't know who they were they responded. 
" I am with Confident Financial Solutions. I have Great news for you. Can you call today at XXXX '' This is beyond unprofessional and I am now scared to even answer customers questions on my XXXX account. The fact that they used an employees XXXX  to contact me is unethical and wrong.
Product: Credit reporting or other personal consumer reports

this is my second attempt to have accounts that are posted inaccurate information be removed. the first letters were not processed correctly if at all. The issue is the below accounts are not accurate and are not updating to display accuracy. These wrongful accounts are hindering my access to credit which is causing harm to my ability to take care of my family. this can lead to a lawsuit I may file in my jurisdiction if these accounts are not investigated and removed. 


below is attached letters that i have mailed out today. 

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: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Cash price of vehicle {$26000.00} plus taxes, tags, fees {$30000.00}. The finance contract with Fulton Bank was for 72 months at 4.30 % APR. The dealership did not complete the filing with XXXX Motor Vehicle Administration, which I did not find out until I paid off the vehicle on XX/XX/XXXX and tried to obtain a copy of the title from Fulton Bank. When Fulton informed me they never received the title, I went to XXXX and was informed that the dealership had failed to complete the filing resulting in the non-issuance of the title. How can a financial institution accept {$30000.00} from a consumer for a vehicle they don't have the title for? I now reside in XXXX, I am unable to register my vehicle in the state that I reside without the title, and I am unable to renew the registration with XXXX without a valid registration/title. I also can not prove ownership of the vehicle that I have paid for in full.
Product: Credit reporting or other personal consumer reports

starting XX/XX/year> company stopped my auto payments, which resulted in a late payment and not being able to access my account online. I resolved the matter before before reporting to the credit bureau. I asked to reestablish auto pay but was told i had to do it through the website and they could not do it over the phone. Since I could not gain access to the account online, I set up payments from my checking bill pay. In XXXX, it got a paper statement showing I was late on a payment. I called to dispute the info, and tried to find out where my payments had been applied but could not get the same answer twice. I then verbally told them I was disputing the account as I should have had payments applied. I mailed a letter with copies of my statements but nothing was done. Unfortunately, I did not not send it registered mail. Then, they reported me late to the credit bureau. I was livid, I called, paid the amount due to avoid further damage to my credit and faxed the same XXXX pages of bank statements to the comapny. Again I was told I would get a response within XXXX hrs. I called again yesterday and was told that my Credit bureau complaint was denied but my billing dispute was still under investigation, which makes no sense whatsoever. I am still unable to access my accouint online and no one seems to be able to give me a straight answer. i have worked hard to reestablish my credit and need help resoloving this matter.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on all XXXX credit bureau that does not belong to me and I believe I'm a victim of identity theft. I've contact all bureau to remove the inquiries and they're telling me that the information is accurate which is incorrect.