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

My vehicle was resposed XX/XX/2019 . I was not 3 payments behind . I made a payment with my bank account on XX/XX/2019 which ally only attempted to withdraw on XX/XX/2019  at which point the funds were still availible . When I called  regarding the reposession needless to say  I was flabergasted  becuase I made the payment  and no one contacted me  to let me know they were unable to recieve the funds. I offered to prove that the funds were available when they attempted to collect  the funds and  that I lost my card  and recently informed the bank that it was lost , which could have cuased the confusion. Ally refused to give me the vehicle  back unless I paid XXXX which I did not have at the time. Ally uncluded late fees in the amount needed  to get my vehicle  back . I have called and talked to more than person  about this situation .  I also asked them  why they charged 12.5% interest when I had great credit at the time of purchase. I was  in a dire situation whit time and  was unable  to hagle  they were not forth comming with answers. I have exsplained to ally that If they ever have issues wit payment that I need  to be contacted  , they  told me its the banks  fault and I need to take that up with them . the law does not allow the lender  to let me go with out being informed    about a  non payment .  I have had the account for more than a year  and have made several payment  with the same account  with no issue .
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ EXPERIAN ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

They contacted me a couple months ago in regards to a debt they are trying to collect on. I asked for information validating the debt be sent to me. Have not received any information, but they continue to call me almost on a daily basis at all hours of the day, to include calling around XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and Chexsystems numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
Product: Payday loan, title loan, or personal loan

Received solicitation from Prosper to lend money to me. When I called they informed me that no one could speak XXXX ( my first language ). They also said all documents were in English therefore they could not do business with me. My husband asked if he could talk on my behalf and they refused saying they could only talk to me in English. My Husband spoke to a manager named XXXX who gave us a ticket number of XXXX for your information and files on XX/XX/18 at aprox. XXXX XXXX  EST. 

My husband is of the opinion that this amounts to de facto lending discrimination against XXXX. He urged me to complain to the CFPB. This company is in Arizona and apparently they can not find XXXX   speaking people there ( even though there are a multitude of XXXX  living in that area ) to work for them who can conduct business with XXXX. Perhaps they also discriminate in hiring practices too considering the high percentage of XXXX  speaking people living in Arizona.
Product: Vehicle loan or lease

Ally is incompetent at every level. I paid {$80.00} for them to register my car. They said register it yourself out of frustration I did. I never got that money back. I had to go to the DMV 6 times due to wrong info from them. My daughter is in the  XXXX  and added undo stress. Because of their error it took 2 months to process. Now when I call it says they are trying to collect a debt. I have received a letter from them thanking me for financing it. I was also told by my processor a check was sent. Now when I call to add it to my online profile to pay it I keep getting bounced around. I just want to pay my bill! Ally 's lease department sends me to finance and finance sends me back to lease! Please I just want to spend my time with my daughter instead of dealing with this nonsense!
Product: Mortgage

In 2008, like many Americans, our family was suddenly underwater with our home mortgage and we got behind due to a job layoff. We applied for and were accepted in President Obama 's aid program. We did a loan modification with Wells Fargo. Our home mortgage went up the exact amount as the aid package, so we thought we were paying off this aid in our new payment. However, we were recently blocked from selling our home to a buyer who 1 ) was qualified and 2 ) did not have a property to sell. We also received what we needed in the offer. That sell was blocked as the title company uncovered a XXXX mortgage in the amount of that same aid. Please pursue this matter with Wells Fargo. We are open to a fair and equitable settlement. 

Thank You, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXXXXXX
Product: Checking or savings account

From XXXX from now XXXX every mount XXXX $ from my checking account citibank XXXX transfered to my closed credit card citi advantage XXXX Every 3 mount the card which closed on XXXX sender me by check XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX bal. {$2800.00}, XXXX XXXX bal. {$0.00}, XXXX XXXX XXXX  bal. {$1500.00}, XXXX XXXX bal. {$0.00}
Product: Mortgage

XXXX paid {$2100.00} Regular Payment. 

This was {$710.00} XXXX, {$800.00} XXXX, {$660.00} XXXX 

But Shellpoint again went in & for no known reason, minused off ( {$350.00} ) on the same date. 

The amounts were also incorrect for the prior payment on XXXX, as mentioned in previous complaint. 

{$710.00} Principal and {$660.00} XXXX  were not correctly credited to my account. {$350.00} fee was added for no reason.
Product: Debt collection

Received a harassing call from Superlative RM where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at Superlative RM!
Product: Credit reporting, credit repair services, or other personal consumer reports

Old debt is sold or reassigned to another agency at the end of the seven year statute of limitations period only to reappear on all of my credit reports despite having disputed. There is no contract or acknowledgement of this supposed debt as it is not valid. It's cost me my job and now potentially future employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquires/accounts are fraud accounts/inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-On XX/XX/2020 I applied for a mortgage and my credit report was legitimately accessed by the mortgage company -It was discovered that my credit was significantly impaired due to a fraudulent delinquent item on my credit report -The charge in question for {$1700.00} was fraudulent, details as follows : -XXXX XXXX, Account # XXXX, opened on XX/XX/2020 -Sent to collection XX/XX/2020, collection company : -XXXX XXXX XXXX, phone # XXXX XXXX XXXX XXXX XXXX repeatedly, they answered but hung-up each time upon transfer or otherwise -Called XXXX XXXX XXXX XXXX repeatedly and they XXXX XXXX XXXX XXXX XXXX occasion -Fraud report # filed under XXXX  : XXXX -Police report filed on XX/XX/2020 with our local police dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX XXXX with monthly installments of XXXX per month. This information needs to be removed from all credit reporting
Product: Checking or savings account

I filed a complaint and the response was false. Please address the fact that you violated Regulation E which mandates a provisional credit if the investigation goes beyond 10 business days for a transaction as I had which was an ATM withdrawal error in which the funds didnt dispense, it also covers POS tractions along with others as for so i definitely qualified and was eligible for provisional credit which they stated that I was not. So they determined they didnt want to provide the credit and violated the terms of Regulation E in which SoFi should be held accountable and fined!
Product: Vehicle loan or lease

Westlake Financial is continuing to harass me with multiple phone calls per day even though there is nothing outstanding or wrong with my account. They are either engaging in predatory practices or have sold my information to a malicious third party. Ive asked for the phone calls to stop several times now and they continue.
Product: Mortgage

Plain and simple. I applied for a mortgage in XXXX of 2014 with Everbank and we closed our loan on time, but not without the threat of a lawsuit in order to make it happen. After we closed we received a copy of a XXXX that Everbank sent on our behalf to the IRS to obtain our tax returns. Unfortunately, the signatures on the document were not ours. Someone in their operations department forged our signatures and submitted the request. I notified our loan officer and she submitted a Suspicious Activity Request ( SAR ) within Everbank. Unfortunately Everbank eliminated her job and her co-workers ' in XXXX of 2014 and I have heard nothing from my lender. I am filing this complaint due to their lack of communication on any resolution/findings and for simply forging our signatures.
Product: Credit card or prepaid card

I am unable to retrieve the funds on my account without incurring a fee. I XXXX XXXX and received this card from XXXX. In the agreements, it says {$0.00} teller withdrawal fee but when i called to ask what my daily limit was, i was told my card wouldn't work at a teller. This was the only option to take out the funds from this account. Something doesn't seem right.
Product: Debt collection

Failure to Pay was brought to my attention on XX/XX/XXXX by a phone call from XXXX XXXX XXXX by XXXX. She said she was calling to collect a debt due to XXXX XXXX  for tests completed in XX/XX/XXXX in the amount of {$4.00}??. I told her I had no idea what she was talking about, I have never received statements for the above amount or from XXXX XXXX. She verified my address, which was correct but had the wrong apartment number. She had my email address and my phone number. She said it didnt matter, I still owed money. I thought the call was a scam at this point. She continued to try and collect over the phone. I told her I needed to see a detailed statement, and if I owed money I would definitely pay it, but not without a detailed statement. She said she would email the statement immediately at XXXX. I told her after I received the information and could verify the details I would make arrangements to pay this debt. I WAS NEVER EMAILED a statement, nor was a statement mailed to me, even though I gave her my correct apartment number. I was notified by email that my credit score changed due to a report of failure to pay. When checking XXXX   XXXX, which sent the notice, I saw that Phoenix Financial SE reported that XXXX XXXX XXXX XXXX was the original creditor and the open balance was {$550.00}! I do not recognize that name. I called XXXX to request a statement, I was told it was too late and she hung up on me twice! 
I received a second call on XX/XX/XXXX, this time from XXXX. She reported that I owe {$550.00}. Now its an E.R.visit from XX/XX/XXXX! I again asked for a detailed statement, assuring her that if I owed this debt I would pay it promptly, as soon as I verified its legitimacy. I asked if she would pay a debt she didn't know she owed without verifying it. She hung up on me. I have yet to receive a statement. Meanwhile my credit score has plummeted! 
Please advise me on this matter. Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Checking or savings account

On XX/XX/XXXX, I immediately notified Wells Fargo about being victim to a scam and not receiving an item. I made a claim to dispute the charges. The claim reference number is : XXXX. After not hearing any updates, I contacted a Wells Fargo representative on XX/XX/XXXX for updates to my claim and expected to hear back within the week. Fortunately, due to the BBB, my claim was finally heard by an individual named XXXX around early XXXX. However, due to some " investigation '', they determined that I was not a victim of fraud/scam and told me that XXXX has no obligation to clawback funds for a victim. Despite appealing multiple times, I was constantly refused the clawback of my lost funds. I feel like I am receiving XXXX protections as the customer. 

At the moment, I am currently at a loss of {$670.00} in which I was deceived in sending a scammer over multiple transactions on XX/XX/XXXX and XX/XX/XXXX. I would love for the CFPB to assist me in having Wells Fargo do their duty to assist me, a loyal customer, and help retrieve the stolen {$670.00}. I am incredibly upset at the lost amount and hope there are avenues for recovery. Thank you.
Product: Credit reporting or other personal consumer reports

Reported Identity theft. the account is reporting to my credit as XXXX XXXX XXXX XXXX Account open on XX/XX/XXXX Closed XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from a Chase Bank branch in California saying that it looked like my bank account had been compromised. I called Chase Fraud to see what was going on. When I looked at my bank account all of my money was gone, It was over {$10000.00}. I am located in Michigan and someone in California was writing withdraw slips and taking around {$1000.00} at a time. They started stealing the money on XX/XX/XXXX. The first person I talked to at Chase fraud said he made the claim. When I called back one week  later I found out that I needed to fill out a fraud packet. I worked with someone from Chase on the phone for 3 hours who helped me fill out fraud packet exactly correct. The banker told me to go into Chase bank and have them fax the packet and then wait 10 business days. I waited the 10 business days and didn't hear anything. I called back and found out they didn't receive my fraud packet. I spoke with a manager who  had me email her the fraud packet. I waited on the phone for her to receive it. She said she received it and would expedite everything and I would have an answer in 3 days. Chase froze and closed my account so she said I would get a check mailed in the mail and would receive it in 15 days. I called back to find out the results and the banker told me that they approved the claim and I will be receiving a check. I waited over 15 days and called back because I did not receive a check. When I called back they said they are still investigating and I need to wait 60-90 days. Every single time I call they tell me something different. Every single time I call it takes over an hour to talk to someone. Almost every single time I call I get disconnected and have to start the whole process over because they are not able to call me back. I have no idea where my money is.