23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XXXX XXXX, XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XXXX XXXX took it a step further and decided to contact Ally to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ XXXX since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XXXX XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed Ally that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from Ally has wanted to take accountability and accommodate me with what I was originally told. I 've even provided Ally proof of the information displayed on their website at the time and asked them to pull the calls. Ally has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from Ally on XXXX XXXX, XXXX at XXXX. Her contact number is XXXX XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XXXX XXXX, XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and Ally with the burden of proof to justify my claim. Its sad because I was a loyal customer with Ally and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use Ally and will likely spread the word of how this company operates unethically.
Product: Student loan

I had student loans with XXXX. The TOTAL payment for the loans under my income based repayment plan were {$220.00}. Nelnet took over the loan in XX/XX/XXXX. They now claim I owe them {$270.00} each month. I did not re-apply for the IBR program and am not due to do so until XX/XX/XXXX. How can they just change my payment amount? Additionally, I have placed several phone calls to them where I have gotten various answers to my questions. At one point the customer service rep said that they did not increase my payment amount and that they couldn't. She told me to continue to pay what I was paying to XXXX. I have since recieved a letter from them. THey removed my 2.5 % interest rate reduction for a late payment. WHAT late payment? I've paid EVERY payment on time. When I attempted to resolve this issue they said that they would not return my interest rate reduction, despite increasing my payment amount and despite every payment being made ON TIME, month. I have spent over an hour on the phone with them over the past several months. I was given false information, which I relied upon to my detriment, then they refused to rectify the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX : - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX IN has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason Equifax and XXXX  only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.
Product: Vehicle loan or lease

XX/XX/XXXX : XXXX Honda Financial Corp a check from XXXX XXXX in the amount of {$32000.00} which was the XXXX payoff from Honda on my account. Payment sent, including my XXXX  to AMERICAN HONDA FINANCE CORPORATION XXXX XXXX XXXX XXXX, PA XXXX. It also included instructions on how to mail the title to XXXX XXXX for refinance. 
XX/XX/XXXX : Called ( XXXX ) XXXX and spoke with customer service who said check had not been received, double checked check amount in system, claimed not received yet. 
XX/XX/XXXX : Called ( XXXX ) XXXX and spoke with customer service who said check had not been received, double checked check amount in system, claimed not received yet. 
I made a payment of {$710.00} to Honda and also my regular new payment to XXXX XXXX so that neither account was marked late. 
XX/XX/XXXX : Called ( XXXX ) XXXX and spoke with customer service who said check had not been received, double checked check amount in system. XXXX, the cs rep, finally found my check claiming it had been put toward my " third vehicle. '' I told her I did not have a third vehicle and she said I did. I said no, I do not. She looked into it further and found that the {$32000.00} check with my name, my XXXX, etc on it had been applied to a DIFFERENT XXXX XXXX XXXX 's account in a DIFFERENT state than Texas on XX/XX/XXXX. Was put on hold a number of times while she further looked into it. Told me a supervisor would fix it in XXXX business days. I told her XXXX XXXX is needing the title and how long will it take. She said it would be mailed directly to them within a week or so. I asked for a refund of my FULL car payment, backdating of the loan, AND backdating of GAP so I would receive that refund correctly. 
As of XX/XX/XXXX, my account STILL shows a balance and interest is STILL accruing. My next loan payment to Honda shows as XXXX in the usual amount of {$710.00}. I also have another payment due to XXXX XXXX on XX/XX/XXXX. This needs to be rectified because I am being scammed by Honda to continue to receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like complain about a debt collection.On XX/XX/XXXX I submitted a disputed certified letter to XXXX, XXXX and XXXX requesting a investigation on a collection from XXXX XXXX that allegd that I owe them {$1200.00}. XX/XX/XXXX I received a letter stating that the investigation was completed and verify. on XX/XX/XXXX I sent another letter to all XXXX credit bureaus asking for verification on the reinvestigation neither company replied. XX/XX/XXXX I sent another letter to all XXXX credit bureaus letting them know that they failed to verify items that I disputed. On occasion XXXX capital will be remove from my report and days later put back on my report as new debt this has been going on for XXXX XXXX years I would like this to be removed from my credit report forever.This is violating infringements and injury to my creditabilty. 
Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Product: Payday loan, title loan, personal loan, or advance loan

I called to do a payoff over the phone on XX/XX/year>. I was quoted a payoff, and I paid the full amount I was told to pay plus a {$5.00} transaction fee because they don't let you do a payoff through the online system. I received a confirmation number from the gentleman as well as an email. A few weeks goes by, and I get a bill from XXXX  in the mail with a balance of {$24.00} I called, and they said they had to listen to the conversation in order to know what happened. I get a call back 2 hours later from XXXX the customer service manager and he said I apologized and said he listened to the call, and I was in fact quoted the wrong amount, but I needed to pay the 26 days of interest in order to get the account closed and there is no other way around it. I reiterated that he said I was quoted the wrong amount, and I have to pay for someone else not correctly processing the payoff. He said the payment was made incorrectly and yes, I needed to pay the remainder of the amount if I wanted to close the acct. This is extremely unfair practice. I am having to pay for someone else 's mistake. XXXX said I listened to the entire conversation, and you were given incorrect information but there is nothing we can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$0.00} - Charge off Amount {$4800.00} 1099C received- NO Experian - Charged off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? 
XXXX - Charged off XX/XX/XXXX Sold to Collections XXXX XXXX XXXX- Balance {$2900.00} Charge off {$22000.00} 1099C received- NO The car was stolen in XXXX of XXXX. My insurance paid and my XXXX insurance paid. This should NOT BE a charge off. The account was paid in full. They show the account being charged off in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX Balance {$380.00} Charge off Amt {$380.00} 1099C received -NO Experian - Charged off XX/XX/XXXX XXXX - Charged XXXX XX/XX/XXXX XXXX  XXXX Balance {$2500.00} Charge off Amount {$2500.00} XXXX received-NO Experian - Charged off XX/XX/XXXX XXXX - Charged off XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Robinhood regarding restricted access to my funds. I deposited the majority of my life savingsover $ XXXXonto their platform, intending to make legitimate trades and manage my finances. 

Shortly after, I attempted to transfer my funds to my personal wallet. However, Robinhood restricted my account without clear justification, effectively denying me access to my hard-earned money. Despite repeated efforts to resolve the issue, they have failed to provide satisfactory answers or restore my access to my funds. 

This situation has caused me significant financial and emotional distress. I respectfully request the CFPB 's assistance in resolving this matter and ensuring I regain access to my funds promptly. 

Thank you for your attention. 

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

The issue that I am having is TransUnion is reporting things that I did not authorize and accounts that do not belong to me. I have told them several times these things DO NOT BELONG TO ME for these accounts XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX Along with the following 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. I was told this would be taken care of on previous call but has not been.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 22. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified mail was sent to credit agencies requesting Validation of Debt,  Method of Verification used. For the following accounts and information was never received : XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX OH # XXXX XXXX XXXX XXXX XXXX # XXXX Please provide Assignment of Debt, Validation of Debt, Method of Verification used for the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX # XXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, Employers : XXXXXXXX XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXXXXXX XX/XX/XXXX {$1900.00} XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 or other personal consumer reports

My accounts were always on time! Specially with Capital One, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that  MEDICAL DATA SYSTEMS INC  #  XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow me to validate th e alleged debt. I am aware that there is a debt from   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ],  to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL-NOVANT HEALTH to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, a  nd HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address li  sted above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as   a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Product: Debt collection

This company called my work place on XX/XX/2021 after they could not reach me at my personal phone number and gave XXXX XXXX information to a coworker.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon further investigation into my credit report i see not only is Experian reporting accounts that is beyond the 7 year mark of reporting also they are some how verifying a social security number that does not even belong to me i have constantly made complaints and the come back some how saying that a social security number that does not belong to me is mine
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with fair credit credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy 15 usc 1681 section 604 A section 2 it also state consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666B creditor may not treat payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

During XXXX my computer was hacked and then I was scammed out of my savings of {$200000.00}. I believed I was working with XXXX to prevent money from being removed from my account. I was instructed to wire transfer funds into " safe wallets '' which I would have access to when the hackers were caught. I believed I was working with actual XXXX employee. Several of the initial transfers came from Citizens Bank where my savings hew been for forty years ( before Citizens took over the Bank ). 

XXXX. XXXX recovered by citizens fraud dept from XXXX XXXX XXXX XXXX XX/XX/11 XXXX