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

ON XXXX XXXX, my car was totaled by another driver that hit me. Her insurance contacted ALLY FINANCIAL on XX/XX/XXXX to request a letter of guarantee. Ally claimed they needed more documentation. On XX/XX/XXXX the documents were faxed to them. We have a confirmation page. On XX/XX/XXXX we had to call Ally to check the status of the letter and they stated they did not receive the documents. The insurance agent faxed the documents again. This time Ally claiming they received the documents and it will be XXXX business days. XXXX contacted Ally again on the XX/XX/XXXX to check on the letter and the said they were going through system change and it would be another XXXX business days. Meanwhile my husband and I have contacted Ally to find out what is the hold up, due to we are having to still make our payments and do not have a vehicle. My last attempt was on today XX/XX/XXXX and the loss department informed me it will be XXXX business days. They have not gave me any answer to the letter and are telling me false timelines. They have treated me very unprofessional and this has put so much stress on my husband and I. At one conversation with the loss department ( XXXX ) customer service said we will not get our letter before XXXX. I feel like Ally has took advantage of us by continuing to add interest and late fees.
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Equifax. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report i had fraudulent account on my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and realized I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. It's a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian for verification of debt. and they have not given me verification of debt.
Product: Student loan

Made several requests in the past asking to lower my monthly payment with XXXX low interest rate to have a reasonable and affordable monthly payment, because Sallie Mae issued several accounts with different interest rate. This is my XXXX or XXXX complaints about the Bank dismissing and ignoring my situation especially in my last complaint where I clearly stated that I am caring for my aging parents with severe health conditions. Il seems like all what matter for the corporations is money and wealth and have low to zero consideration for human factor and dignity. Their treatment to my case is a clear and obvious behavior of selfishness and arrogance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the default status of my student loan serviced by XXXX, which was transferred to collections. During the COVID-19 pandemic, all my student loans were placed on temporary pause, as per federal guidelines. Once repayment resumed, I began making on-time payments to all my student loan providers, including XXXX and XXXX. 

However, upon reviewing my credit report, I discovered that my XXXX account was marked as defaulted, with 35 missed months of payments reported. The account was subsequently closed and transferred to collections for {$1300.00}. I was never notified of this default, nor did I receive any written notice regarding the resumption of payments. As a result, I was unaware of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address reporting on my file. Please remove ALL address that is not correct. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, Equifax, and XXXX and it has not been done. This is going on for 2 years now off and on. 

Please remove ALL names that are incorrect. I have uploaded my driver 's license for proof of address. I have tried to have this removed from XXXX, Equifax, and XXXX and it has not been done. This is going on for 2 years now off and on.
Product: Prepaid card

My prepaid Visa card ( issued by Blackhawk Network ) has a misleading " Funds Do Not Expire '' statement on the front of the pre-paid credit card. 

There is a " Valid Thru '' date that denotes when the card, in fact, deactivates. Once a card deactivates, the funds are not " gone '', but instead require egregious reactivation fees ( {$15.00} fee for a {$25.00} gift card ). 

The problem is that this is misleading consumers when Blackhawk Network says " Funds do not expire ''. It conflicting, confusing, and dangerous for consumers who depend on these prepaid cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update. 

XXXX XXXXXXXX Date XXXX Balance : {$1100.00}
Product: Checking or savings account

Someone tried to cash a large amount of a check at a different bank than I use. It did not go thru. However, when reports or whatever banks report to for possible fraud Truist, who is my regular bank and has been since XXXX, froze all my accounts. Checking, savings, money market, and business accounts. The only way I knew something was wrong was when I tried to use my debit card to get gas and my card was refused. This happened around the middle of XX/XX/XXXX. I always have money in my accounts and do not go over. I have had to borrow money from my father to just stay afloat. I was NOT notified by Truist that something was wrong. NOT by phone, email, or regular mail. This is now the end of XX/XX/XXXX and still have had no notifications or communications with Truist. I have been into the branch numerous times and tried to get information. I have tried calling the fraud department and all I get is the run around. No one seems to know anything and I get transferred more times than I can count. Nothing, nada, zilch. I talked to my banker who has tried to find out information with me sitting there and Truist will not even tell her anything. My accounts have been froze, which means no money in and no money out. When this happens, how is a person supposed to live. You can't pay rent, bills, gas, groceries, medicine. What is a person supposed to do.
Product: Credit reporting

want to cancel my membership and am unable to do so. I work for the Federal Government and they recommended I request a free credit report through XXXX. I signed up for through this website XXXX and did not receive any information on how to cancel membership. My bank is being charged {$17.00} a month by TU TransUnion and I want it canceled now. TransUnion said they have no record of my account but their name shows up on my bank statement for the draft. If I do not hear back from Annual Credit Report, I will report this as a fraud to all credit reporting agencies and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.
Product: Credit card or prepaid card

I have written to this company several times throughout the years, the last letter was mailed out on XX/XX/XXXX via certified mail. I have been a Banana Republic card holder since XX/XX/XXXX and have never paid late. According to my credit reports, it shows XXXX late payments XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. The late payments were due to temporary job loss and it was only for XXXX day due to the late arrival of the United States Postal Service. I have pleaded with the company via phone as well but to no avail. I am trying to purchase a home, therefore, these negative items are affecting my credit score. I would greatly appreciate you looking into if further and I look forward to hearing a positive outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX is showing Profit loss/write-off as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, see the attached Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.
Product: Credit reporting or other personal consumer reports

I review my credit report and the following items are not mine. 

Also my fico credit score decreases with items it should increase with. 

Credit card theft XXXX XXXX  Credit card - open XX/XX/2019. For XXXX XXXX credit card - opened XX/XX/2019 For XXXX Inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on Transunion and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX  my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on Transunion and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Product: Student loan

On XXXX XXXX XXXX I was fortunate enough to close on a loan to consolidate home mortgages and my student loan into XXXX payment at a reasonable interest rate. 

The problem is the school loan payoff went to the wrong address within the same organization. The check was cashed by the XXXX XXXX XXXX, XXXX but can not be transferred to the Nelnet address. I have been told that a check will be reissued and sent back to the sender in this case the law office that issued it in XXXX 6 weeks. In the mean time since this all started I still will be responsible for interest at {$10.00} a day. I put the loan into forbearance status to protect myself from monthly payments and late fees. They are claiming that it was not their mistake and my statements for over a year have had the address on it. I stated that I 've been trying for over years to figure out how to pay off these loans and I have an email from XXXX that I asked for a payoff amount and the payoff address was the XXXX address. When I was trying again this current year and pulled a payoff statement online there was no noted payoff address so I had this address in my file so gave it to the law office to send pay off into. 
I can not believe that NelnetXXXX does not have a means to transfer funds for a close out payment. I would like not to have to pay the interest and for this organization to work reasonably with me in completing this final transaction. 
On XXXX XXXX I received a letter from Nelnet stating the loan was paid but a balance remained not true I called same story as above.
Product: Debt collection

XXXX sent a closed phone account to IC on XXXX and XXXX for the amount of {$810.00}. The account has been previously disputed on XXXX due to inaccurate information and the amount due. The original XXXX account was opened without my knowledge. Upon communication with XXXX, they believed IC Systems would be responsible for forgiving the debt and account. It was placed for collection XX/XX/2019 and the collection account was disputed through IC systems, XXXX, and XXXX. I have not received any information to verify that it is my account, the amount owed is accurate and that I have ownership of the account.
Product: Debt collection

To Whom It May Concern : This letter is a formal dispute regarding the collection accounts reported on my credit file from XXXX XXXX XXXX. T

his account, as reflected in my credit report, are inaccurate and in violation of federal law. I am requesting immediate investigation and verification of this account pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically under : 15 U.S.C. 1692c ( c ) This law prohibits debt collectors from continuing to communicate with a consumer after a cease communication request has been made. I have previously notified the debt collectors in writing to cease communication regarding these debts. 15 U.S.C. 1692g Under this section, a debt collector must provide a validation notice within five days of the initial communication, detailing the debt amount, creditor information, and my rights as a consumer. No such validation notice has been provided to me, rendering their reporting invalid and unverifiable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX violated my rights 15 USC 1692c ( c ) and 15 USC 1692g
Product: Credit card

I was notified by Discover of charges that needed verification. Found out that these charges not made by me. Discover did not take any action to secure my card and I monitored and Discover took no action. Then I notified Discover for fraudulent transaction. After I filed and they assisted got a call from them asking why I went into my account several times, which I thought was unusual since Discover was the ones to alert me. They said file a police report but I had only lost one card and according to laws discover was to follow up. 
XXXX weeks ago they called saying in very bad attitude that XXXX charge and someone can not buy without an account and as I am not aware of what policies and what other transactions XXXX  has and also I am fraud on some XXXX  website where I never made any transactions there were XXXX charges. I never made these charges and she asked if I filed police report and it is up to card to resolve.The lady who called me was rude said about these XXXX charges and abruptly rudely hung up never made these charges and therefore again can not file police report. Now without notice have added these charges to my account total {$4600.00} XXXX  XX/XX/XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} running balance is {$4600.00} Thu XX/XX/XXXX XXXX name is XXXX  XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$2200.00} running balance is {$4300.00} Wed XX/XX/XXXX XXXX name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Merchant category is Merchandise Amount is {$59.00} running balance is {$2100.00} XXXX  XX/XX/XXXX XXXX name is XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Merchant category is Merchandise Amount is {$63.00} running balance is {$2000.00} XXXX  XX/XX/XXXX Merchant name is XXXXXXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$1900.00} running balance is {$2000.00} XXXX  XX/XX/XXXX Merchant name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Merchant category is Merchandise Amount is {$15.00} running balance is {$32.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11.00} running balance is {$17.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} I need these charges reversed I never made them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several account, that don't belong to me or that aren't correct. The accounts are as follows : XXXX XXXX acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, TX XXXX  Original creditor ( XXXX XXXX ) Never had this account, didn't sign for it or authorize this account to be issued.

Receivable Recovery Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX  original creditor ( XXXX XXXX XXXX ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. Receivable Recovery, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.
Product: Debt collection

I have XXXX accounts with XXXX XXXX XXXX XXXX that I was paying them directly XXXX each month. Then I received a letter from Grant and Weber Arizona , Inc. They are a debt collection agency. We started payments of XXXX a month on each account. We have missed some monthly payments, but have called and tried to tell them the reason for not being able to pay at the time. We have never had a monthly statement of any kind showing payments we 've made, or the balance due. Just a few months ago, I called them to tell them that we would not be able to make the payments. I called and left XXXX ( XXXX ) voicemail messages for XXXX XXXX. He is the one handling the debt. All the messages were made within a weeks time. He never returned my phone calls!!! My husband XXXX has even called him, and he never calls back, unless we have called about paying the debt off. Then he calls right back! The principal balance we owe is {$530.00}. He sent us a letter that says he 's charging us {$190.00} in interest, making the total amount due {$730.00}. There has never been any talk of interest to be charged with these accounts. I do n't feel that this is right considering the effort we have made to keep in contact with XXXX. Can he legally charge us interest on a medical bill? We would like to ask for your assistance with this matter. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX I am requesting proof of written authorization to administer the ESTATE of XXXX XXXX. I am the True Executor. 
I also want to request a copy of my CONSUMER FILE, not my consumer report, sent to the address listed above immediately. FOI Act 5 U.S.Code 552. Thank you in advance Best, XXXX : XXXX All Inalienable Rights Reserved
Product: Debt collection

Creditor account number XXXX. Letter from afni ( account number is XXXX ) with a balance due of {$80.00}. It is dated XX/XX/23. It claims I owe money on a XXXX account. It has been over 4 year, if any, that my cell phone was with XXXX and much longer than that that I have had a cell phone at this address. 

This is nothing I owe. There is no other identifying language. There is an offer to discount the amount to {$40.00}.
Product: Credit reporting or other personal consumer reports

Dispute Regarding XXXX XXXX XXXX XXXX on My TransUnion consumer Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> XXXX XXXX XXXX Account # : XXXX Dear TransUnion, I am writing to dispute a tradeline on my TransUnion consumer report associated with XXXX XXXX XXXX. This letter serves to formally request the removal of this inaccurate information from my report, citing several consumer protection laws. 

Grounds for Dispute : Limited Disclosure of Consumer Reports ( 15 U.S.C. 1681b ( 1 ) & ( 2 ) ) : The Fair Credit Reporting Act ( FCRA ) strictly regulates the circumstances under which consumer reporting agencies, like TransUnion, can furnish consumer reports. According to 15 U.S.C. 1681b ( 1 ) & ( 2 ), you can only disclose such reports under limited conditions, including when a court orders it or with the consumer 's written instructions. In this case, I have not provided any written consent for the disclosure of this tradeline. 

Aggravated Identity Theft ( 18 U.S.C. 1028a ) : The presence of this unauthorized tradeline on my report suggests the potential misuse of my personal information. Disclosin such information without my consent may constitute a violation of 18 U.S.C. 1028a, which prohibits aggravated identity theft.

Right to Opt-Out ( 15 U.S.C. 6802 ) : The Gramm-Leach-Bliley Act ( GLBA ) safeguards consumers ' nonpublic personal information held by financial institutions. Accordng to 15 U.S.C. 6802, financial institutions can not share such information with non-affiliated third parties without first offering the consumer the opportunity to opt-out. Since I did not authorize the disclosure, this may be a violation of GLBA. 

Request for Action : Based on the aforementioned laws, I demand the immediate removal of the XXXX XXXX XXXX XXXX from my TransUnion consumer report. I request written confirmation of this action and any updated copies of my credit report reflecting this change. 

Additional Information : I am prepared to pursue all available remedies under the FCRA, including but not limited to statutory damages, actual damages, attorney 's fees, and injunctive relief. I urge TransUnion to take this matter seriously and to take immediate steps to rectify the inaccuracies on my consumer file. 

I expect a prompt response to this notice and a resolution of this matter within the specified timeframe. Failure to do so will leave me with no alternative but to pursue legal action to protect my rights under the FCRA. 
Thank you for your prompt attention to this urgent issue. 

Sincerely, AllenRagland My Attorney : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NJ