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

I purchased as used car financed by Ally Financial in XXXX of XXXX. I was waiting for the closing of a home sale in XXXX of XXXX to pay the loan off in full. After the funds were wired at the closing, I contacted Ally for a payoff figure, paid the loan off in XXXX payment on XX/XX/XXXX, after which Ally Financial sent me the title to the car. 

I never heard from them again until XXXX of last year, when " all of a sudden '' they are claiming a missed payment of {$160.00} which is now {$170.00}. I have no idea where that figure came from, but what I do know is that after making my XXXX, XXXX payment on time via direct debit, and the same with my XXXX, XXXX payment, I paid the loan off in full with the third and final payment, on XX/XX/XXXX. 

Ally Financial is currently in major financial trouble, but this does not give them an excuse for whatever scam they are pulling here. If I hadn't paid the loan off, I wouldn't have been sent the title. Ally refuses to rectify this, by reporting " Paid as Agreed '' to the credit bureaus. My XXXX XXXX is being negatively impacted which it should not be, since I don't miss payments and have paid off cars and mortgages early. 

I'm not going to be extorted out of {$170.00} from these people. I have filed disputes with the Credit Bureaus and a complaint with the BBB, and I hope that XXXX of these entities compels Ally to stop reporting me delinquent and stop having Spanish-speaking unintelligible " collection '' calls placed to me daily. I have issued a Cease and Desist letter, and Ally continues to violate the Fair Debt Collection Practices Act.
Product: Debt collection

This SCA collections is damaging my credit by attempting to collect a fraudulent debt. I have never heard of this company or the medical office they are supposedly representing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions. 

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX trade is fraudulent and illegal. I have asked numerous times for this to be removed! It reamins on my report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the fraud trade be removed.
Product: Checking or savings account

On XX/XX/23, I noticed several charges in my chase checking account that I did not make. I called the fraud department and began to file three separate claims. The one Im referring to was a XXXX $ charge for a company called XXXX XXXX a shoe companyI definitely DID NOT MAKE THE CHARGE..I was asleep when it happened, no one else had my debit card number, but obviously some hacker or identity thieves had my new debit card number or account numbers to be able to make the initial purchases.. Chase said they would stop payment since everything was pending and credit back all of the claims I filed, totaling about XXXX XXXX I had just opened the account and had only had my debit card for about a week or soso after the claims are filed, a new debit card is sent out, etc, I got credits back from chase in the amount for each fraudulent charge.. and tonight XX/XX/23, I check my checking account via the chase app and notice a CLAIM REVERSAL IN THE AMOUNT OF XXXX $!!!! Im not sure what is going on but this is ridiculous!! I never made any purchases for XXXX XXXX, but now chase is taking that same money they gave me back!! I did recently purchase XXXXXXXX XXXX XXXXXXXX shoes for my son, which he paid for, I deposited money ( which there is proof of ) and shortly after depositing I ordered his shoes for school! So idk how claims work, but it appears that chase is leaping to a conclusion that because I ordered expensive shoes similarly to the fraudulent charge, that I must have submitted a false claim???? WHICH IS NOT TRUE!! Im just absolutely disgusted by this entire process..I have XXXX children, Im a XXXX at a local restaurant, I decided to bank with chase because its very close to my new work and was convenient for me to do nightly cash deposits after workbut since this has happened, I transferred all but a small amount to my old bank, whom I never had not one issue with in 4 years of being a customerTwo weeks with chase and theres fraudulent activity and then this? Excuse my language but this is absolutely XXXX  I have screen shots of the original fraudulent charges and the reversal made tonight.. and of ATM deposit of cash and then ordering my sons shoes..this is ridiculous!
Product: Debt collection

hello, I received a letter promising " student loan consolidation & payment reduction program '' in the mail which I stupidly fell for. The top left of the letter says " FINAL NOTICE, contact XXXX, Assigned dept. Preferred Doc Solutions, NOTICE DAY : XX/XX/2018 '' The letter also informed me to login to my XXXX  ID account, which did not work so I called the number on the letter ( XXXXXXXX ) I talked with a man who convinced me that I would need to change my XXXX password, which I game him my new password. I gave him all of my information because he told me he worked for the Department of Education and I foolishly believed him. He received my social security number, drivers license, address, parents address, and all of my XXXX information. After hearing his promising proposal of completely bringing my student loan debt down to XXXX dollars, I stupidly electronically signed a bunch of stuff that he sent in an email and then gave him my debit card information so that I could pay the " fees '' relation to the loans being completely forgiven. 

He then put me through to a different woman who confirmed all of my information and told me she was sending me a " welcome packet '' with information that I would have to return back to them " immediately ''. 

I shouldn't have fallen for this scam, but the .gov website and being told that this man was a department of education employee really had me convinced.
Product: Mortgage

Chase is providing conflicting information when attempting to address delinquent mortgage loan, which appears to be violation of California 's Homeowner Bill of Rights, the Dodd-Frank Wall Street Reform and the Consumer Protection Act XX/XX/XXXX -Chase re-scheduled the foreclosure sale to XX/XX/XXXX per XXXX XXXX at XXXX ext. XXXX *same phone number as " XXXX '', note there's an extension this time -but XXXX didn't provide extension. 

XX/XX/XXXX -Chase confirms they received the Request for Mortgage Assistance ( RMA ) application per XXXX XXXX , Relationship Manager ( SPOC ), at XXXX ( no extension ). 

XX/XX/XXXX -Chase states the loan was sold at a foreclosure sale per XXXX XXXX , their Executive Director, at XXXX *same phone number as Customer Support. 

XX/XX/XXXX -Chase " re-scheduled '' foreclosure sale date to XX/XX/XXXX and mentions client is not under any " payment assistance review '' per their Home Lending Executive Office at XXXX *unclear if payment assistance review refers to RMA, at which point the statement is incorrect per XX/XX/XXXX confirmation, or if there's additional programs available, which homeowner has not been advised about. The letter mentioned XXXX, yet it appears they didn't keep each other updated per alarming and concerning updates. 

XX/XX/XXXX -Chase requested evidence of transfer of ownership by XX/XX/XXXX per their Customer Support Team at XXXX *same phone number as Executive Director.
Product: Credit reporting or other personal consumer reports

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX XXXX XXXX XXXX  I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I requested documentation from the creditor and have not been provided proof. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with negative/chargeoff late payments that continues to hinder my credit profile. This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX XXXX XXXX Your assistance this pertinent is greatly appreciated, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX Balance : {$3800.00}.
Product: Debt collection

This debt shows up as National Credit system in reference to XXXXXXXX XXXX XXXX. 
The alleged amount is {$590.00}. We contacted the Apartment building and they have no record of it. Contacted the prior property company XXXX and they have no record of it. 
Contacted National Credit System at XXXX and at first gave the account number listed on my credit report and my social security number was transfered to a XXXX XXXX voice mail. 
I have not received a return call yet. I have also written dispute letters to all three credit bureaus to have it removed since it seems like a fraudulent charge since no one knows anything about it. 
Please assist me in anyway you can to get this remedied. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

So my understanding so far is, no matter what I submit to support my claim XXXX XXXX XXXX wins. I have sent to you, the paid contract did XXXX XX/XX/2019, I have sent you two letters from representatives at XXXX who have said the account was paid and not charged off. I have sent you a recording from their phone system saying it was paid in XX/XX/2019. What do you actually do here. The credit bureaus have changed the report over and over. One has one month, one has two months and one has three months and these have changed over and over again. My understanding is that federally its not even a charge off if its not over 120 days, if thats so clearly it should be removed. If my only option is to seek a lawyer then thats what Ill do.
Product: Debt collection

The XXXX XXXX {$1200.00} reporting invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a XXXX  XXXX credit card with a balance of XXXX dollars that I do not recognize, I have years disputing that account and I contacted XXXX XXXX they always inform me that they will treat this account as fraud but they never solve anything and continue to report it in my credit
Product: Checking or savings account

i have been unable to open checking and savings accounts because bank of america in misouri reportedly has some accounts for me that they have listed as fraud. i have never had any account with bank of america and need this removed from my credit. i have been a victim of identity theft and have had several things removed from my credit account, including cell phones and service, bank cards, credit cards, and also shopping accounts. i have never had an account or authorized an account with bank of america ever please update your records i have tried to call several times and only get transfered from department to department becaue i dont know the account numbers because i never opened them
Product: Credit card or prepaid card

Be advised that someone is in possession of my personal identifying information including name, address, phone, SSN and birthdate. The information was used to attempt to open a XXXX 's XXXX XXXX XXXX credit card via internet. Fortunately Synchrony Financial contacted me as a precaution which resulted in me looking at credit reports. The inquiry was noted at XXXX  I have since put freeze on three credit reporting agencies and taken actions to protect other financial accounts. I have no idea how this happened. The thieves had my husband 's cell number and not mine so that raises concerns regarding how the connection was made to obtain information. I am grateful to XXXX 's for having the extra level of security to verify when someone attempts to open a store credit card via internet. I also wonder what happens in the store itself?
Product: Checking or savings account

On XXXX, I woke up and noted that my available account balance was showing as negative {$470.00}. However, when I calculated the pending charges against the current balance, the available balance should have been {XXXX}. I called an explained this to a customer service representative and was given the explanation of the bank made a posting error. This posting error has caused me to miss work ( because I could not put gas in my car ), and it is still unresolved. I proceeded to add {$470.00} from my XXXX account, but my available balance is still incorrect. My account is incorrect by {$560.00}.
Product: Mortgage

I have been working with Greentree, now Ditech as the second lender on a short sale since XXXX 2015. We received approval from the XXXX lender in XXXX 2015 and this was forwarded to Greentree along with a full short sale package, then resubmitted on XXXX XXXX, 2015. For the next 28 days I have submitted and resubmitted the same documents no less than 3 times with no comments or response to the documents until after my approval from the XXXX lender expired. on XXXX/XXXX/15 we were advised by email that our file was closed because we did not submit the documents that had been requested within 30 days. I have all of my outgoing emails to the nongse email address verifying that all that was requested was submitted and that there were no requests for anything additional or any corrections until XX/XX/XXXX and XX/XX/XXXX at which time we were told that we had 24 hours to return the documents that were being requested. This is a violation of CFPB regulations for loss mitigation servicing and it is the same violations that lead to the national settlement. They have delayed reviewing my file for approximately 5 months and then claim that I did not submit the required documents the day that my approval letter from the XXXX expired. Today I had a manager review the file and all of the documents that had ben requested were there. I then had to go over all of the income statement by statement to show them that the RMA was correct. I do not understand why I was doing their job for them, but in the interest of getting this approved, I took additional time to tell them on what page of the pdf they could find the income statements that match up with the bank statements and also the RMA. The final straw came tonight when I received a counter offer for {$580000.00} for a property that is worth {$430000.00}. the XXXX loan is XXXX so effectively what they have done is countered so that the XXXX and XXXX loans will be paid in full with no basis in actual market value of the property. The comps support an offer of {$430000.00}, we submitted a successful value dispute to XXXX when they countered at {$470000.00} and they agreed the property is worth {$430000.00} and issued their approval. I need help escalating this issue as I believe that this current response is retaliatory for my threat to file a CFPB complaint and the fact that the manager could see that the assigned negotiator failed to do what she was supposed to do so they want the file closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

constant calls and harassment to my brother and myself at XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from XXXX, Experian and XXXX  of one of the accounts being verified with no verification proof. The XXXX XXXX  account was updated as " not specified '' by XXXX. I reached out to the listed creditor only one replied ( XXXX XXXX/ XXXX ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to XXXX, XXXX, Experian and all creditors and haven't received verification based off the FCRA standards.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Account : XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.