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

I co-sign on a car loan with a ( ex ) friend. The friend defaulted on loan and I didn't know, until I received a call from Ally financial, in late XXXX. Seems payments stoped in XX/XX/XXXX, and found out XX/XX/1923. I don't have the car and have tried to find it, but the person I co-signed for ( XXXX XXXX XXXX ) will not give me any info. I explained to Ally and have asked for payoff paperwork, to no avail. I know I'm going to be stuck, for my foolish mistake. But I don't think it's fair for Ally to keep adding charges. I have tried calling/talking to Ally and asked for supervisor, to no avail. They hang up or chant this, this call will be recorded etc. And I can't get answers or paperwork. They call my work and I say stop, your endangering my job. Financial I can't afford to pay this loan, I have my own car loan, and being a single father, I have a child to support. I do have a family member who is willing to help me, but it will difficult for them also. I just want a fair and final payoff amount and time limit, which I can not get Ally financial to give me. I have tried legal aid, and even though my income qualifies me, they can't help me, other then give me a phone number to bar assoc. That wants {$25.00}. For advice. Please Help!
Product: Credit card

I've consistently maintained a record of timely payments for this account, avoiding any instances of overdue payments. The basis for the inclusion of late payment remarks on my accounts is uncertain to me. In accordance with 15 USC 1666b - Billing Error, corrections must be made.
Product: Debt collection

this collection has been removed by XXXX and XXXX. Not sure why XXXX is reporting. This account was not opened with my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information on my credit file. There is a address that they have deleted 3 times and continue to put this address back on my credit file. I have had the same address for 32 years which is XXXX XXXX XXXX XXXX FL XXXX. Per the FCRA you are in violation by continuing to put inaccurate information back on my credit file that was previously deleted. You also have several accounts that list included in bankruptcy XXXX and there is no bankruptcy on file. Remove all of these inaccurate accounts listed below immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERV XXXX XXXX - CARD SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this below account is not mine. I have contacted power financial and they have no record for me in there system and this account number is unknown. Please delete this fraudulent account as my information was comprised in the Equifax data breach. 

XXXX XXXX XXXX I have attached the dispute results that i received directly from Equifax showing the incorrect address was deleted and all these accounts in question state included in bankruptcy XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice that Transunion is still reporting closed accounts that were removed from collections to close accounts is a violation of 15 U.S.Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please DELETE all close accounts. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281, SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such, in fact exist.15 U.S.Code 1666b
Product: Money transfer, virtual currency, or money service

I have found a nice rental apartment on Redfin, so I asked for information on it. I filled an applicant form ( to which I had to pay a fee of {$50.00} to a person called XXXX XXXX, via XXXX XXXX and I asked to visit the apartment. The application for the rental was sent to me by a XXXX XXXX that identified himself as property manager, with the same address as the apartment in question. I was asked to pay a security deposit, {$1800.00}, that I would be returned if I didn't like the unit. The payment, was to be made with XXXX but as the address was not recognized by my bank I was asked to send the security deposit to another person, XXXX XXXX, via XXXX. I received then a lease contract made to a landlord, XXXX XXXX XXXX, XXXX. I continued asking to visit the apartment but there were always excuses, it was still occupied, it was being repaired... I was asked to sign the lease and to pay for 2 months of rent to secure the apartment. I made this payment, on XX/XX/XXXX, via wire to XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, as requested by XXXX XXXX. I continued asking to see the apartment. the last excuse was that XXXX was trying to wave a request from the building management for a rental insurance, and maybe he could negotiate to meet the request half way. The " insurance '' was another {$3000.00}. 
I requested the return of all my payments but have not received any answer.
Product: Money transfer, virtual currency, or money service

Zelle is offered through a local bank application and my personal data has been shared without my knowledge or approval of the matter. I would like to be compensated for this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an unauthorized hard credit inquiry performed by Rocket Mortgage on both my and my wife 's credit reports. 

On [ date ], I initiated an online pre-qualification application with Rocket Mortgage. During the process, I explicitly stated in writing via their chat system that this should only be a soft pull, as it was for a pre-qualification and not a formal mortgage application. The agent I was chatting with confirmed in writing that no hard credit inquiry would be performed. 

Later, I spoke with the same agent on the phone and again explicitly reiterated that I was only seeking a pre-qualification and that a hard credit inquiry should not be conducted. The agent reassured me that no hard pull would be done. However, within approximately 15 minutes of our conversation, I received a call from the same agent apologizing and informing me that a hard credit inquiry had been performed on both my and my wifes credit reports without our consent. 

This is a clear violation of consumer rights, as neither my wife nor I ever authorized a hard credit inquiry. Following my demand for written confirmation of this error, the agent sent me an email acknowledging that we had not authorized the hard credit inquiry. 

I am formally requesting that Rocket Mortgage immediately remove the unauthorized hard inquiries from both my and my wife 's credit reports, as these inquiries negatively impact our credit scores. Additionally, I ask that Rocket Mortgage take appropriate measures to prevent such unauthorized actions from happening to other consumers. 

Furthermore, due to this unauthorized inquiry and the potential impact on our credit profiles, my wife and I will be subscribing to credit monitoring services for protection. We are demanding that Rocket Mortgage reimburse us for all costs associated with our credit monitoring as a direct result of their error. 

I expect prompt resolution of this matter, confirmation that the inquiries have been removed, and full reimbursement for our credit monitoring expenses.
Product: Debt collection

I tried to pay my deceased Mothers balance of {$1.00} on XX/XX/XXXX. I did not know that her bank had put a hold on her account and that the payment was reversed on XX/XX/XXXX. I got a success transaction. But I received a bill on XX/XX/XXXX ( see enclosed ) that stated the payment was reserved and now you had charged me {$29.00} on a {$1.00} bill. I would have been better of not paying the {$1.00} bill but I tried to do the right thing. I called on XX/XX/XXXX to discuss this with XXXX XXXX Customer Service and got nowhere, so I asked to be transferred to a supervisor. I got XXXX and she was so apologetic and said she would handle this bill and for me not to pay it since it was all over {$1.00}. I took her at her word and heard nothing else until and lo and behold, today I got a letter stating this account had been transferred to US Bank for collection. Is XXXX XXXX that hard up for {$1.00}? If XXXX wasnt going to do as she said I would have happily paid the bill while talking to her on XX/XX/XXXX. TO SAY I AM SHOCKED IS AN UNDERSTATMENT. I even mailed a copy of the death certificate to her ( copy enclosed ). So for the record, I am not paying this bill. You can try and collect it all you want and you can ruin my XXXX PERFECT Credit ( FICO Score of XXXX ) and her perfect payment record to you. I dont think she needs credit in heaven. But I am not taking this lightly and have filed a compliant to XXXX, Consumer Financial Protection Bureau and FCC. It wont help this situation, but there were be yet one more compliant of record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and when I pulled my report again, I noticed that there were no changes and I had not received any response. The items were still reporting incorrectly. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. After being ignored, I sent the letters out via certified mail to ensure you all received them, and when they delivered on XX/XX/XXXX, I finally received a response. You stated that the accounts were verified and accurate. My question is, how can the accounts have been verified if they are STILL reporting inaccurately on my credit profile? The disputes have not been resolved and I demand that each dispute is re-opened, reinvestigated and deleted. I want complete copies of every action taken to resolve this matter. This is a violation of my rights as a consumer! To expedite the process I have also included screenshots of my current credit profile which shows the inconsistencies that you are reporting on my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a dispute with regard to an inaccurate item on my credit report. The unverified item listed below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? This account does not belong to me. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) 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. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or removed immediately : XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I discovered someone stole my identity and used it to take out a loan. In addition, they established accounts in my name at XXXX XXXX and XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they secured a {$19000.00} loan in my name with SoFi Lending Corp and linked it to the XXXX XXXX bank accounts they established. Working with SoFi, XXXX XXXX, and XXXX XXXX XXXX, I establish the loan and the accounts were not mine. The bank accounts have been closed. On XX/XX/XXXX, SoFi acknowledge the loan was not mine [ d ] uring our investigation we found that fraud had been committed on the account and we determined we the reported to the credit reporting agency was inaccurate. They did not say the loan was not mine and that I was not responsible for paying it back. 

While researching identity theft remedies and protections, I found the CFPB fact sheet that indicated I could request a copy of all the documentation the thief used to establish the loan. On XX/XX/XXXX, I sent a letter to SoFi requesting a copy of those documents. They have neither acknowledged my request nor responded to it. Ninety days should be more than sufficient to do so. After examining the documents, I intended to ask for a more definitive letter, indicating I am not responsible for the loan.
Product: Credit card

I rented a car from XXXX XXXX. They placed a hold for {$210.00} from me. They claim that the old was lifted properly. The credit card company will not lift the hold.
Product: Credit card

Dear Consumer Financial Protection Bureau, I recently discovered that I was charged a late fee on my American Express Platinum Charge Card on XX/XX/XXXX due to a missed payment. However, I did not receive any form of notification indicating that a payment was due. I am enrolled in paperless settings to stay updated, but I did not receive any reminders or alerts via text or email. I have thoroughly checked my email inbox and spam folder to confirm this. 

As soon as I became aware of the issue, I made the payment in full today to rectify the situation ( XXXX ) XXXX have always maintained an impeccable payment history on all my credit accounts and have worked diligently over the years to improve my credit. Missing this payment was not intentional, and believe it was directly related to the lack of communication from American Express. 

I kindly request assistance in addressing this matter to have the late fee reviewed and potentially removed, as well as ensuring this incident does not negatively affect my credit standing. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly.

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and I didnt give them permission to do so.
Product: Debt collection

On XX/XX/22 I received a letter from First Credit Services regarding an alleged debt owed for XXXX. I am not aware of this alleged debt nor believe I owe alleged amount. In response to this I sent out a debt validation letter requesting documents so that I can fully validate if this alleged debt is owed. I received notification that on XX/XX/22 First Credit Services received my letters via return green receipt. As of today XX/XX/22 I have not yet received any requested documents I asked for nor have I been compensated for these abusive debt collection practices.
Product: Checking or savings account

I opened a checking account at XX/XX/2017. And i opened the checking account cause they offered me {$300.00} bonus, if i complete {$2500.00} direct deposit within 60 days. As their promotion says after meet all requirenments i should get that bonus within 95 days. 

Their terms said " the bonus will be credited into the new personal checking account no later than 95 days from account opening. '' But after 95 days later they didn`t gave me the bonus i called them and they told me to wait 125 days and i waited. they said i met all the requirenment but they will contact with me but they never. Today i called again and they told me to wait till XXXX to get that bonus. Today is 135 days and its counting but they are like playing game with their user. I have all the screenshot of their terms and advertisement. Its just misleading and I need my {$300.00} bonus as they promised since i completed all requirenment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened a dispute with Experian regarding an account on my credit report that had been closed for many years and was negatively effecting my credit. As of XX/XX/XXXX the item had been on my credit for seven years and qualified per the Fair Credit Act to be removed from my credit report. Experian sent me a rejection letter stated the item would stay on my credit until XX/XX/XXXX, which would make it nearly nine years on my credit.
Product: Credit card

I purchased Action item/timeshare Specialist on XXXX for {$510.00} ( see link ) : XXXXAdd Payment Accepted : *Cashiers Check*Money order *Wire Transfer *Credit Card *XXXXWas unable to purchase directly through XXXX/Timeshare specialist invoiced me directly through XXXX. I paid for item through my XXXX Account ( XXXXXXXXXXXX ). 
My CITI Bank card ( ending XXXX ) tried to charge me a fee for a cash advance ( {$25.00} ). I phoned Citi Bank & was going to cancel me card/pay off the card since this charge was a normal credit card transaction ( not a cash advance ). Citi Bank willingly waived the charge. A month or so goes by & Citi Bank tried to charge {$3.00} interest where as my card is a 0 % APR for 18 months ( ends XXXX 2015 ). Once again, I phone them & they said they will waive the fee only this month ( said, the charge was a cash advance ). I paid off my card in full the next day. Previously, I phoned XXXX & they stated there is nothing on XXXX item number : XXXX which states XXXX/credit card payments must be a cash advance. Citi Bank supervisors just state XXXX requested this to be a cash advance ( they refuse to give it in writing to me ). Contacted XXXX a few times over this & they state seller paid all the credit card fees ( this transaction was not a cash advance ). XXXX fraud dept emailed me this ( note XXXX stated they never process credit card as a cash advance, although only XXXX time the represenative said she saw it only XXXX when account had no $ in it ) : Dear XXXX XXXX, Thank you for contacting XXXX Customer Support today. As requested, here are the details of the transaction, in question : Transaction ID:XXXXMerchant Name : XXXX XXXX, XXXX. 
Date : XX/XX/2015Amount : {$510.00} USDDescription : Credit Card Payment Sent ( Service ) To clarify, this was not a cash advance payment. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. All rights reservedContacted Citi Bank about this fraud & that I was going to report it. The supervisor said go right ahead, it does n't matter if the charge through XXXX states anything about a cash advance, they will process it as a cash advance ( gave examples such as casinos, energy bills ... ) & that if I do the same charge again that it will be charged as a Cash Advance ... 
I paid off my card in full {$1300.00} where as the {$3.00} interest they will waive. I do not plan on using Citi Bank for any of my future banking needs ever. I found this incident should be reported to a government agency for especially the next person due to its nature of a very possibly fraud activity of Citi Bank credit card practices. Any questions or need further information please contact me ; thanks & take care. 
Yours truly, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX, NV XXXX XXXX XXXXXXXXXXXX
Product: Mortgage

Lender/forced placed insurance was bought on my behalf without my consent. Furthermore its impossible to speak with someone in the insurance department ; I keep getting off-shore call centers. Horrible costumer service. Impossible to get through the answering machine. I am beyond frustrated, I dont know what to do. PENNYMAC was not my original lender, they bought my mortgage from another servicer. Ive been through XXXX with this company since they bought my loan from the previous servicer. 

Can someone please call me to further explain my name is XXXX XXXX XXXX my phone number is ( XXXX ) XXXX. Thank you.