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

Ally Bank is an online bank with no brick and mortar locations. The only way to get live customer service is their phone line. Seniors are hanging up and the most basic banking needs are not being fulfilled. Online banks need to be held to a higher level of access. Ally bank is failing their customers, please intervene. 
Wait to speak to an agent at Ally Bank : XX/XX/XXXX 1 hour 05 min XX/XX/XXXX 1 hour 34 min XX/XX/XXXX 1 hour 29 min XX/XX/XXXX 45 min XX/XX/XXXX 1 hour 23 min XX/XX/XXXX 49 minutes
Product: Student loan

The Dept of Education and XXXX have listed multiple loans out in my name with derogatory remarks on all of THEM. When applying for a loan through them, I was n't intending to ever be late on payments or default. My account was sold to XXXX XXXX XXXX and I 've been making every single payment on time! I need help removing these additional accounts in my name. Having one account listed with derogatory remarks is fair. I missed payments and could n't make ends meet. I believe I 've been punished for long enough for a loan I took when I was XXXX. Please help me fix this information. If my loans were combined and sold to XXXX XXXX as one entity, my credit report should show a sole account under the US Department of Education. These same loans are listed under XXXX XXXX, AS WELL. Two entities reporting on the same loans??? I should have one account under US Department of Education. Not two accounts listed for the SAME LOANS under two entities. Only one entity should be reporting these loans, not TWO. Please help me remove these other accounts.
Product: Debt collection

The debt collector, XXXX  XXXX, repeatedly harrassed my ex wife and contacted her neighbor to find me, unbeknownst to me. They eventually drop served the papers at her house after repeatedly told that I have not lived there for over a year. They said " we know he lives here a, private investigator told us he lives here. '' They sent a summons after I was served to her house after I was served too. The debt is XXXX. I was seved on XX/XX/23 but my ex did not give me the papers until XX/XX/23 and I got my summons on XX/XX/23.
Product: Credit card or prepaid card

There are 2 charges for {$57.00} posted XX/XX/2023 I didnt authorize or make. Disputed There 2 charges from XXXX XXXX  1 charge {$120.00} I returned both item I received on XX/XX/2023 through UPS and I have a tracking number. 

1 charge & 3?.? I cant see the chart but I had disputed this with the bank item was canceled before it would ship because it wasnt available. 

I closed that card and waiting on a new card. 

Seeking refunds of : {$57.00}. Unauthorized {$57.00} Unauthorized {$120.00} returned merchandise XXXX XXXX  tracking : XXXX {$3.00}??? Canceled and unauthorized XXXX XXXX
Product: Debt collection

XXXX XXXX, and ( XXXX XXXX Management Services Incorporated. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/2023 and XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting

I have repeatedly notified Experian that they are sharing my credit report without my permission. They refuse to remove the unauthorized inquiries. XXXX XXXX Date of request XXXX/XXXX/2015, XXXX XXXX Date of request XXXX/XXXX/2015, & XXXX XXXX XXXX Date of request XXXX/XXXX/2015 are all unauthorized inquiries. Finally, they continue to report erroneous data that I have an account with XXXX XXXX that was late and a charge off with the XXXX. These are not my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the presence of several fraudulent accounts on my credit report. Upon careful review, it has become apparent that these accounts are not mine and have been erroneously included in my credit history. The gravity of this situation can not be understated, as these inaccuracies have the potential to significantly impact my financial standing and credibility. I have taken proactive steps to rectify this matter by contacting the respective companies associated with these fraudulent accounts. Through these communications, I have obtained assurances that these accounts will be promptly removed from my credit report with your bureau 's assistance. Furthermore, I have diligently followed the necessary procedures and submitted the required documentation to the Federal Trade Commission ( FTC ) to support my claim of identity theft and fraudulent activity. Please take off these accounts from my file : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a response and continuation of complaint # XXXX. 

On previous complaint/response Fay indicated the $ 88000+ reinstatement I paid in XX/XX/XXXX covered late months starting XX/XX/XXXX and all subsequent payments. I am attaching proof I made several mortgage payments in XXXX and XXXX. I paid these months and payment was taken out from my bank. 

I am providing statements showing Fay Servicing is not properly crediting my mortgage account. And charging me twice for the same months. I paid my reinstatement amount required to bring my mortgage account current after several months of missed payments and trying to get help with payments. 

On previous complaint Fay did indicate there was a calculation error on their part. This error is making me late on my monthly mortgage payment. Fay Servicing never made me aware an additional payment was due ; I was made aware with my credit report. Fay is asking me to provide an additional $ 4500+ to bring my payments current after they made an error in calculation. I am asking Fay Servicing to assist borrowers in providing help in bringing account current and not just say " Sorry, it is what it is. '' Asking borrowers to suddenly and ASAP to come up with an additional $ 4500+ is not ethical. 
I am asking Fay to please help borrowers. Asking to please assist borrowers and not push them to be late payments and foreclosures. 

Attaching Several months, my bank is only providing 2 years ' worth of payment history.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I went into Western Shamrock on XXXX XXXX in XXXX, MO to pay off my loan early. I had called the day before to pay it over the phone and they said there would be a XXXX fee to pay OVER the phone. I said I would be in the store to pay in person then to not pay that high of a fee. When I went in and paid, I checked my bank account afterwards and there was a {$24.00} fee. I called the store because no one told me if I paid with a debit card, it was still a fee. I called and XXXX claimed she didnt know what the fee was for. Hmmm really? They XXXX their district manager would call back. Saturday now, no call. Deceptive practices and not divulging their fees, is wrong I would like my money back {$24.00} and to have this company audited. Their lack of knowledge is obvious and disturbing. Thank you for your time. You have my info should you need anything else
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020 I disputed with XXXX, XXXX, and Transunion about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and Transunion XXXX  about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra
Product: Checking or savings account

A check was stolen from a XXXX XXXX USPS mailbox on XXXX XXXX, 2022. It was reported stolen to USPS and XXXX Bank in XXXX 2022. It was made out to a local Roofing Company, XXXX XXXX XXXX XXXX XXXX XXXX. The check was written by me on a personal checking account with XXXX Bank in XXXX XXXX. It was cashed by an individual with an illegible signature through a mobile deposit to a Wells Fargo account. 

It cleared my account on XXXX XXXX, 2022. XXXX Bank told me that the individual account was with Wells Fargo Bank. XXXX Bank says that Wells Fargo has not reimbursed them for the fraudulent deposit and Wells Fargo claims that they are overwhelmed with fraudulent deposits and can not say how long it will be before they are able to investigate this incident. I have filed a formal affidavit of loss with XXXX Bank. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Has all violated my rights. 

15 US C 1681 section 602 A states I have the right to privacy 15 US C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

This bank is crazy Im a loyal customer I pay them on time I go to put gas and my card wasnt working when it always does and when I call them to find out why they say my account was closed!! I never closed it and the reason too customer service said it doesnt make sense if I was making payment on time this is not fair my account must be reponed immediately with covid the mail is backed up but that isnt my fault I still mailed my payments each month
Product: Debt collection

To Whom It May Concern, The reason for my dispute is AR RESOURCES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AR RESOURCES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR RESOURCES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. AR RESOURCES is held liable as well for defamation and in the state of FLORIDA allows for serious fines .AR RESOURCES is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. AR RESOURCES has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
Product: Debt collection

This company is reporting inaccurate information on my consumer report. This is the second attempt for this company to validate, verify this debt. Capital One has never validated this debt. Capital has not presented any documentation of a contract bearing my signature. Please Delete this unverified account on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified SPS Inc. XXXX XXXX that I want verification of the debt they state I owe by providing the following : - ( actual accounting of mortgage loan debt ) from date of origination of loan to current date -verification of the claim against me ( an invoice signed by the mortgage bank ) -a copy of the original contract binding both parties ( XXXX XXXX XXXX and mortgage bank lender ) -signed contract stating I agreed to pay what they state I owe - how this amount has been calculated in a way that I can understand -full disclosure statement that was provided when loan was originated which outlines -equal consideration and lawful terms and conditions SPS provided the name of XXXX XXXX XXXX XXXX XXXX  XXXX as the owner of mortgage. SPS, Inc has not provided all of the information I requested regarding this debt. This company continues to report this information on my credit report without providing its validity after I informed them in writing that I dispute this debt. They are in violation of Fair Debt Collection Practices Act 15 USC 1692 ( a-p ).
Product: Vehicle loan or lease

GM Financial auto-pay does not permit an indefinite reoccurring payment schedule like all other credit accounts. The reoccurring payment end date was created by GM Financial circa 2017 upon the opening of the loan account and not properly disclosed ( after 3 years of GM auto payment for the lease ). After a total of 5 years of reoccurring payments, there was no notification made by GM that a monthly auto payment would not take place. After the payment was missed, GM did not electronically notify me or call to say that the payment did not take place. Two days before the account was going to be 30 days delinquent, a representative left a nondescript voicemail ( saved ), not identifying themselves, or their place of business, only saying to call them back. This was assumed to be a scam call. It was only discovered after speaking to several GM customer services representatives that this was their one attempt to contact me. I only discovered I had a 30 day late account by a credit monitoring email ( XXXX XXXX ). I paid the bill in full as soon as discovering the issue and contacted GM the next day. The late fee was reversed after acknowledgement that this was incompetence on GMs part but my credit report took a major hit due to the 30 day late payment history. Several phone calls to GM customer service management yielded no results to correct the issue. Disputes with the credit agencies havent had positive results either.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XXXX, XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

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

Disputed incomplete report information. Provided court copy of Master Satisfaction and Release of Mortgages recorded by the Clerk of the Circuit Court of XXXX County, Florida. 
Response received stated, " Unfortunately we are unable to honor your request to place credit information ( i.e., Satisfaction of Mortgages ) into your personal credit file since we would be unable to verify the data. We only receive public records information from our vendors who collect it from the courts. " The court record provided should be all the verification needed and can be easily verified online on the Clerk of Courts XXXX Co., Florida website. 
Thank you.
Product: Debt collection

I have been fighting with various names of this same collection agency for years. I have stated numerous times that I do n't even believe this debt to be correct, but have paid over the years because they obtained a judgement ( which I also challenged ). Most recently, I sent XXXX letters to XXXX XXXX and XXXX along with a payment and requested a break down of my account showing my payments and balance. They never responded. Instead, they rolled the account over to another name law firm which is really the same as theirs and they start all over again. The new firm is Cooling & Winter. I just saw they lost a law suit from CFPB for doing this sort of stuff. I am asking for an accounting of the payments I have made and a balance owed. I am also asking for a verification of the debt. Third, the judgement is nearly ten years old and I want to know if it is even enforceable since it was done in yet the name of a third law firm. They just pass the debt back and forth between their various sham firms. I have evidence that this debt was taken care of via a XXXX I was sent from the bank years ago but they do n't answer my complaints in this matter. I have written dozens of letters to them over the years and they fail to respond.
Product: Credit reporting or other personal consumer reports

[ Your Full Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX [ City, State, ZIP Code ] XXXX [ Your Email Address ] XXXX [ Your Phone Number ] XXXX [ Date ] XX/XX/year> Experian Subject : Dispute of Inaccurate Credit Information Dear Experian Dispute Resolution Department, I am writing to dispute the following information in my credit report : 1. ** [ Creditor Name ] Account Number : [ Account Number ] XXXX XXXX XXXX XXXXIssue : ** [ Describe the inaccuracy ; e.g., " This account is listed as delinquent, but I have never opened an account with this creditor. '' ] - **Supporting Documents : ** [ List any documents you're including ; e.g., " Attached are copies of my bank statements showing no such account. '' ] 2. ** [ Creditor Name ] Account Number : [ Account Number ] ** - **Issue : ** [ Describe the inaccuracy ; e.g., " This account shows a late payment in XX/XX/year>, but payments were made on time. '' ] - **Supporting Documents : ** [ List any documents you're including ; e.g., " Included is a payment confirmation for XX/XX/year>. '' ] These inaccuracies are affecting my creditworthiness, and I request that they be investigated and corrected promptly. Please remove or correct the disputed items and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name ] XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a citi bank credit card and it was denied saying past or current delinquent account. I looked at my XXXX  credit Report and I didnt see any delinquency or public record and they telling me XXXX provided it. I am confused because thats not the case I have no delinquency.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Key Bank. I had a car loan with XXXX as well. {$600.00} a month was going missing from key bank. I asked them many times to stop giving my money away to someone who was not me. My identity was stollen. And I keep getting additional bills from key bank. I had too close account to stop the theft. {$350.00} the are still trying to get out of me. I am XXXX. It affects my current loan greatly. I can not get a regular loan from this theft.