23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2012, Ally Financial mailed a letter correcting its credit reporting errors and contacted all three major credit bureaus as well. However, five years later, Ally has again reported the inaccurate and previously corrected information to all three credit bureaus. This time, Ally wrongfully caused me to be denied a 0 % auto loan from XXXX XXXX.
Product: Mortgage

XX/XX/XXXX Customer is XXXX years old. 

- XX/XX/XXXX - Customer took out a Home Equity Loan with XXXX now Wells Fargo ( WF ) -  XX/XX/XXXX- XX/XX/XXXX - WF initiated Lender Placed Insurance ( LPI ) with XXXX XXXX XXXX XXXX ( XXXX ) / XXXX . 

- XX/XX/XXXX - Customer filed claim for leaking roof resulting in damaged walls and ceiling of customer 's home XX/XX/XXXX - XXXX issued a settlement check ( {$2500.00} ) payable to Wells Fargo and Customer jointly for the repair of the walls and ceilings. ( Insurance conclusion - " Cause of Loss - Windstorm ''. 

- {$0.00} for the roof - ( Insurance conclusion : " Inspection of the roof did not reveal wind damage ... however roof is worn, aged and leaking. '' XX/XX/XXXX - To secure home from further damage, after constant hassle with XXXX  / ( XXXX  ) to pay for roof repair, customer repaired the roof at a cost of {$12000.00}. 

- WF requested customer to endorse the {$2500.00} check and return it to WF and customer complied with their request. Check was never returned to customer. 

Since XX/XX/XXXX, customer pursued WF constantly regarding the {$2500.00} check, which customer realized was never returned to customer. Several inquiries to WF regarding this check resulted in responses such as : No activity on this check, conflicting information on the screen ; check was put on hold, check was outdated, check was in a Restricted Escrow Acct., new check was sent out to customer. 

- Customer only signed the first check payable jointly to XXXX and the Customer, which was sent out by XXXX. 
- XXXX sent customer a copy of a WF check with customer 's signature on the back. 
- Customer wants to know who signed the second check, which according to XXXX, was made payable only to the Customer. 
- As of today, customer has not received either of the checks. 
- Customer recently reopened XXXX claim for the roof, but it was again denied. 

- The XXXX clearly states that " The costs of the insurance will be added to the Principal and will accrue interest at the Note XXXX XXXX. '' XX/XX/XXXX - Customer made a complete payment to Principal and asked for a Payoff amount. 
- Instead of adhering to the original agreement, XXXX created an entirely new account called " XXXX XXXX XXXX '', unknown to the Customer, and concluded, according to XXXX of its employees that it was in the best interest of the customer. 

- Payments to the XXXX were accumulating as follows and added to the payoff : Yr XXXX - {$3200.00} ; XXXX XXXX - {$3200.00} ; XXXX XXXX - {$3100.00} Yr. XXXX - {$3000.00} ; XXXX XXXX - {$3300.00} - No correspondence to inform a XXXX XXXX XXXX customer that these payments were escalating year after year after year - No Statement throughout the life of the loan - No Escrow to allow customer to keep up with the insurance on a yearly basis - No form of communication to keep abreast of the account XX/XX/XXXX Customer paid off a final {$10.00} towards the Principal on the Home Equity Loan. The Principal and Interest on the XXXX XXXX XXXX are paid in full. 
- WF removed the {$10.00} from the Principal because of the outstanding XXXX, a situation which they created for a XXXX XXXX XXXX customer.
Product: Payday loan, title loan, personal loan, or advance loan

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Credit card

I got a notification from XXXX XXXX on Tuesday XX/XX/XXXX that my credit score at dropped XXXX points. I logged in and realized someone had opened a credit card in my name and spend XXXX $ on it. I immediately contacted the company and told them it was fraud and filed a claim. They told me they were going to send me an affidavit in the mail for me to fill out and send back then they would open an investigation. I still have not received the affidavit. I have contacted them numerous times since. Each time they tell me they will email for it to be resent. This past time I talked to a supervisor and was told it would be emailed. 3 days later and still no email. I have filed a police report and an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVENT RECIEVED A RESPONSE FROM EQUIFAX AND IVE SUBMITTED A DISPUTE OVER 30 DAYS AGO THIS IS A VIOLATION OF THE FCRA, EQUIFAX IS NOT UPHOLDING THE LAW AND SHOULD BE HELD ACCOUNTABLE.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]
Product: Debt collection

United Recovery Systems called my land line at XXXX on Wednesday XX/XX/2017 looking for a XXXX XXXX. I told them that he did not live at this residents and I did make the mistake of telling the collection agent that he is my father. At this time the agent try get me to take their information down and I refused twice. I then told the agent what they were doing was unlawful and the need to contact XXXX about his debt and not me. The agent 's reply was that he had left my land line number as an alternative contact number. I then informed said agent that I have only had the number a little over a week and not even XXXX has the number. At this point the call ended.
Product: Vehicle loan or lease

I paid off my vehicle in 2019 and still have not received the title with the lien released. They sent me a letter, however in Ohio you can not use the letter as the Lender holds the title. I want the title to my car that I have paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my social security information to be stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I receive an email from this XXXX  aka Comenity bank with XXXX XXXX XXXX XXXX open with {$400.00} Id never apply to this company Im out of the country dealing with a family emergency so I did try to contact the company and they saying I have to wait
Product: Vehicle loan or lease

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I have a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with all payments. The payment that was missed on XXXX of XXXX and XXXX of XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is also hurting my financial reputation making it harder for me and my child.
Product: Student loan

I have a federal student loan with Navient. I have come into a situation in where i am on XXXX due to and injury. i expressed this had ship to Navient and asked to defer my payments and they placed me on forbearance instead.
Product: Consumer Loan

Leased a 2015 XXXX XXXX from XXXX, XXXX NY on XXXX XXXX 2015. We live in Vermont so Lexus dealt with all the paperwork XXXX Vermont DMV. As of today, XXXX XXXX, we do not have our license plates and Lexus have told us that they sent in the paperwork to Vermont DMV on XXXX XXXX ( why this took a month from XXXX XXXX when we leased the car is a mystery no-one seems able to unravel ). Vermont DMV hane not recorsd of wither any paperwork nor the VIN # of our Lexus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to request security freeze through phone, mail, or online from this data furnishing company. 

XXXX, and Equifax Company Consumer Reporting Division XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A new credit account appeared on my credit report, a XXXX dollar loan from CitiBank as a Home Depot card. I did not open this card and I disputed it with XXXX, who refused to change my credit report. I tried reaching Citibank, but they passed me to three different phone numbers and told me they can't help me because I do not have the application for the card I never applied for.
Product: Debt collection

I received a letter from Enhanced recovery regarding an alleged debt dated on XXXX. I responded to the letter asking for validation of the debt, I have attached the letter and copy of the tracking receipt. I have not received any validation to date but today I received notification on my credit report that the debt was reported. This is clearly a violation of federal law and a blatant of the Texas XXXX code. I will also file a complain with the Texas State attorney general 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. 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. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}
Product: Credit card

Discover Card repeatedly denied credit card applications without valid justification as to why they did so. Furthermore, the pre-qualifying application page no longer works- most likely due to the webmaster of the credit card company deliberately removing the application page to prevent the application being processed again. Have sent in numerous requests and almost all the applications were denied.
Product: Credit card or prepaid card

My BarclaysUS credit card account XXXX payment in the amount of {$3100.00} was mailed XX/XX/XXXX. The check cleared my credit union on XX/XX/XXXX but on XX/XX/XXXX I noticed that the credit card account balance still didnt reflect my recent cleared payment. 

The statement cycled XX/XX/XXXX so I was charged another month 's interest for the error and my credit report does not reflect the accurate account balance because of the error. I contacted Barclay on XXXX and they insisted that the 7 day check payment processing delay to review the missing payment didnt take effect until XXXX and that I should call back later. I called back on XX/XX/XXXX and opened a case # XXXX for the lost payment with employee XXXX XXXX XXXX. She informed me that the payment research team has 1 to 2 billing cycles to respond to my inquiry. A 67 delay to find a lost payment is unacceptable. 

I ask the CFPB to hold BARCLAYS US accountable to its customers in a reasonable amount of time and provide timely corrections with interest refunds, retroactive credit bureau corrections and punitive fines.
Product: Checking or savings account

There was a fraudulent charge of {$30.00} taken out of my account for XXXX services no merchant information available other than that. I immediately contacted support regarding the fraudulent charge. Because its pending the company refuses to reverse the charge. I cant dispute until the money is taken from my account!!! I asked for merchant info to dispute the charge thru the merchant and it was refused. I ask XXXX multiple times. They still refuse to help. Nothing can be done pending charges any other bank would have immediately reversed the charge and returned my money. Nope. Not CashApp. They refuse to help. Refuse to provide merchant information yet tell you to dispute with the merchant. Im almost 100 % certain they are stealing peoples information and using peoples accounts as their own personal ATMs. I want my money returned and my account secured. There should be better security when it comes to their accounts and handing.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agency will not update my mortgage as paid off
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as such, I request that all accounts and inquiries mentioned below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of fraudulent activity following the breach of my personal information. 
Please block and delete the following accounts, as they were opened or accessed without my consent : Accounts : XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$630.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX FIN - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX XXXXXXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX  - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$630.00} XXXX. XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. BANKRUPTCY - XXXX # XXXX - Date Filed : XX/XX/XXXX - Balance : {$0.00} Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX BANK NA - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : TransUnion is reporting a status of 60 days late, XXXX  is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : TransUnion is reporting a status of 120 days late, XXXX  is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of ED/XXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion is reporting an  opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is not reporting this account, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX and XXXX  are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX  XXXX XXXX  Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX   and XXXX are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account when the balance was {$110.00} and balance was paid in full. 

Another account never was delinquent. Always paid on time never late.
Product: Checking or savings account

Capital One not processing direct deposits due to " third party issue '' My funds are held up and it feels terrible!!!!!!!!!!!
Product: Checking or savings account

Citibank closed my account with no explanation and said they will mail my money. It's been almost 4 years and they give me the run around and still haven't received my money close to XXXX XXXX
Product: Consumer Loan

DT XXXX XXXX ( DriveTime ) financed my XXXX Jeep Liberty from XX/XX/XXXX to XX/XX/XXXX after which I fully purchased the vehicle and have title in hand, has begun reporting this as a " Repossession '' negatively to all XXXX major credit reporting agencies - significantly degrading my credit score and reputation. This may even impact a pending career promotion. See case number : XXXX that references me purchasing the vehicle and their delay in providing me the title due to a new documentation system. I find this distressing that they continue to cause me inconvenience now bordering on harassment by reporting this as a Repossession. I can provide, both " Release of Lien '' and " State issued title '' without lien holders as proof of my position and claim.
Product: Debt collection

A company named XXXX has been calling my phone constantly over the past few weeks. The person named was supposedly XXXX XXXX. This person called my family as well as friends. I answered today and was told that XXXX is attempting to collect a debt on behalf of XXXX XXXX XXXX regarding a payday loan that took out some months ago. They had the last 4 digits of my social, the correct amount I owe XXXX XXXX XXXX, as well as my address. I gave partial of my card information for a scheduled payment to be taken out. Afterwards I called XXXX XXXX XXXX and a customer representative stated that Ace does not do business with XXXX and they only collect payments at ACE.
Product: Credit card

Twice in the last 30 days I have submitted money to my Wellsfargo Visa credit card account and XXXX the funds were not applied to my account for approximately four days. They are claiming this is there payment policy " payment float '' Is this legal? It is my understanding that technology makes these funds available immediately. Wellsfargo is claiming it is because I am paying the bill from an account not held with Wellsfargo. This is not an attempt to ensure the payments are good this is an attempt to force people to open bank accounts with Wellsfargo. 
It should be noted the funds are being removed from my checking account held with XXXXBank almost immediately yet Wellsfargo is claiming they are not able to apply the funds for a minimum of four days.
Product: Debt or credit management

This is continuing w the last complaint. That it is paid in full, they are ruined my credit, pay me XXXX for violation of fair credit act. They sold it too another collection agency now, never took off reports. Angry, happened to me 20 years ago w XXXX, paid in full and took me too court and ruined my ID and credit, never cleared in 20 years w bank of American, XXXX and debt collector. Angry. History should not be able to repeat itself w you around. Angry and Upset with Bank of America.
Product: Credit reporting or other personal consumer reports

I was genuinely shocked and disappointed to find inaccurate accounts on my credit report this morning. I check it frequently, and everything was fine until now. I even refreshed my browser, hoping it was an error, but it wasnt. Because of this, Im requesting a close examination of my documents to ensure I can stop worrying about this happening again.