23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.
Product: Vehicle loan or lease

XXXX account balance incorrect and contact made to the company. Was advised technical support needed to activate the account and correction would be made. 
XXXX unable to access the account. No changes made. Advised still waiting for access to be made. 
XXXXbalance not corrected. Advised of manager callback. No call back received. 
XXXXcalled in regarding missing payments and fees still showing charged. Advised adjusted in their system but not showing on statements that I received. 
XXXXadvised rep of balance not correct for car to be paid off in 2 months. Rep stated info sent to manager to review XXXX received bill showing XXXX as remaining balance due with 96 % paid of the account and 3 of 72 payments made XXXX reviewed account and showing balance now XXXX owed with 3 of 72 payments remaining and 96 % paid.
Product: Credit card

Apple Card/ Goldman Sachs closed my card on XX/XX/2023. I have always paid my balance as requested on time. I telephoned Apple Card three times. I was told that they would not provide additional information
Product: Credit reporting or other personal consumer reports

Incorrect information on my report Incorrect address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl, XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several in accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . 

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 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY CREDIT XXXX  Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 



XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX FL XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Bank account or service

On XX/XX/2015 I noticed XXXX unauthorized ACH transactions from a company named XXXX PRO XXXX for {$1200.00} ( XX/XX/2015 ) and {$1800.00} ( XX/XX/2015 ) debiting my business account # XXXX ( closed ) with TD Bank. I contacted my bank immediately to request a refund and days later received a letter from TD Bank stating that the refunds requested were denied. I have not done any business with XXXX ever but nevertheless I contacted them and tried to explain their mistake but instead got the run around. I have more details if necessary. I have nowhere else to turn and I am hopeful that your agency may help me recover the lost funds.
Product: Money transfer, virtual currency, or money service

A search for Zelle 's Customer Service was made on XXXX. A website was identified with an site address as XXXX. The person answered as a Zelle employee and indicated that my money was held up on Zelle 's server. I proceeded to work with the " so call Zelle representative '' on running an identification verification using Zelle. The phone number I called was XXXX, in which he asked to call me back on his desk phone at XXXX. After instructing me to transfer on Zelle, {$220.00}, in which he assured me was not being with drawn but only to authenticate my location. He asked to perform the same process with {$550.00} for my identification. At this point, I stopped him and call XXXX XXXX immediately to stop the initial transaction.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus.

ACCOUNT NAME : XXXX XXXX XXXX XXXX
Product: Debt collection

I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act One Main Financial and XXXX XXXX XXXX both have 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 which neither of them did.
Product: Money transfer, virtual currency, or money service

HI. I am submitting a follow-up request to have PayPal review my account further. The previous case that was submitted stated they were unable to release funds due to me receiving unemployment in XXXX  and XXXX. I have a rental property in XXXX  which allowed me to qualify for unemployment in XXXX. Due to COVID-19. I was unable to rent out the rental property on XXXX  as before. As far as XXXX, I am a previous resident and ran an event planning business nationwide, with most of my business being in XXXX. I am XXXX XXXX and have only lived in XXXX  for a short time with close family due to the situation. My business is still based out of XXXX. I have submitted proof of my XXXX  residency by uploading my XXXX  ID card. In parenthesis is a link to my XXXX page which also shows proof of my event planning business which is in XXXX. ( XXXX XXXX XXXXXXXX ) I also uploaded a screenshot below of the XXXX  property that I rent in Arizona which qualified me for unemployment in XXXX. I have never been a resident of XXXX  but in fact a property owner. Both XXXX  and XXXX  have been reported on my end to know that I am receiving unemployment from both states. I was stuck in the backdate process from XXXX  since the beginning of the pandemic and finally was released in early XX/XX/XXXXwhich caused a bunch of payments to come into my PayPal account at such a rapid pace.. The payments from XXXX  were paid accurately on dates that were not paid for XXXX. I was eligible to receive payments from both states per the unemployment guidelines as long as I reported each state. I hope this detailed information provided is enough to have my funds released as I have not committed any violation and have provided the necessary information to have them released. I am willing to provide any additional information upon request from my lawyer which I have listed their information below. Thank you for the additional review and I hope this is enough information to prove that this was a mistake. 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

My mortgage is with Planet Home lending ( purchased from XXXX ). We have been paying down our mortgage principal through our monthly payments. I have requested that Planet adjust our monthly payment amounts owed for this reduction in principal. They have refused by stating '' the investor does not allow this ''. I do not see this requirement in my mortgage terms yet their customer service says that this can not be changed. I have tried several times to reach senior executives and only get form letters. Phone calls are not returned, when you are able to find contact details as these will not be given to customers. 
By not reducing my principal outstanding Planet is charging me interest on a larger amount that does not exist, this creates excess income for them at our expense. 
There are other issues that they do which are not in my terms but again customer service can not explain or adjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX  across the board.
Product: Debt collection

constant robocalls from company called ERC ( Enhanced Recovery Co. ) on XXXX XXXX XXXX. 
I do not have any outstanding Debts, and have made sure that I am always on top of or in touch with any agency I have owed money too. 
The fact the only leave a 'robot ' message and do not say who the debt is liable by, is extremely suspicious and seems that they have picked my number from the previous person the number was assigned to.
Product: Mortgage

Subject : Shellpoint Mortgage Servicing / Newrez Mortgage LLC Gross Incompetence and Neglect To Shellpoint Mortgage Servicing / Newrez Mortgage LLC, I am fed up with the utter incompetence and neglect your company has shown in managing my mortgage account. After enduring countless issues, the final straw has been your refusal to act on my property tax refund. 

Your company overpaid my property taxes by {$1100.00}, and I have been trying to get this refund processed for almost XXXX months. Despite contacting your business over XXXX timesthrough emails, phone calls, and your online portalnothing has been done. Not a single step has been taken to resolve this issue. Meanwhile, I am in a state of undue hardship, desperately needing the funds that you owe me, yet your company refuses to do anything about it. 

This is beyond negligencethis is blatant disregard for your customers. You have proven time and again that you do not care about providing even the most basic level of service. Its clear that once you have your hands on our money, any responsibility to help or even respond goes out the window. 

To anyone considering Shellpoint Mortgage Servicing or Newrez Mortgage LLC : Dont. This is, without a doubt, one of the worst customer experiences I have ever had in my life. This company will take your money, ignore your pleas for help, and leave you in financial ruin without a second thought. 

I demand that you process my property tax refund immediately. Your continued inaction is completely unacceptable, and I will not tolerate any further delays. If this matter isnt resolved immediately, I will escalate this issue to every relevant regulatory body, consumer protection agency, and legal avenue available to me. 

This needs to be fixed nowno more excuses!!
Product: Money transfer, virtual currency, or money service

i just want to reopened and re stored my account cause i feel it unfair to my side that they automatic close or limited my account pernamently with out letting me know as the owner as they only think there is a suspicious doin ln my account. my last transaction is i did pay to my friend that i owe some money .. they dont give any email to give requirement to fixed the problem so its unfair to my side
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 XXXX XXXX # XXXX XXXX u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Shortly after buying this home XX/XX/year> I fell short due to divorce and my job. They put me on a Covid relief plan. After restarting my payments this last XXXX my mom was sick and we missed one month. Then they told me a few months later that I couldnt make any payments anymore that I would have to repay a whole year and a half. I tried telling them I was taking care of my mom that she was not doing well. They wanted proof but I was not able to do so at that time. My mom has recently passed away this XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that TransUnion has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. ( See attached ) These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

TransUnion is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that TransUnion provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB on Transunion regarding a hard inquiry from XXXX that should of been deleted from my credit report. Transunion responded back that they are sorry and said they deleted it from my credit report because I was correct. Attached is there response that they deleted it. It has not been deleted from my credit report.
Product: Debt collection

I would like to re-open my complaint number XXXX against TD Bank about a {$25.00} balance with " Open Date '' XX/XX/XXXX. On or around XXXX, in its response to my complaint, TD bank confirmed that " Due to the delay with contacting you of the remaining balance due, as a courtesy TD Bank has waived the remaining fees in the amount of {$25.00}. As of today, I confirmed that the Account is paid in full. An update has been sent to the XXXX XXXX XXXX XXXX major credit reporting agencies. Please allow XXXX days for the update to reflect on your credit report ''. However, I learned yesterday ( on XX/XX/XXXX, about XXXXXXXX XXXX XXXX XXXX  later that the {$25.00} still shows as a " charge off '', i.e. " bad debt '' on my credit report, and not as " paid in full '' as TD Bank states in its XX/XX/XXXX report to CFPB. Why -nearly 17 months later - didn't TD Bank inform all three credit bureaus that this amount is " paid in full '' as it states in its response to my complaint to CFBP? Please also see attached XX/XX/XXXX letter, where I marked where TD bank states the amount is " paid in full ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$0.00} Alleged Date Opened : XX/XX/2016 Alleged Date Closed : XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I went to XXXX XXXX and was under the impression I was covered by the insurance program they had me under. They never tried to reach me by phone or send a bill via email which I later found out was because I signed up for no mail. Was n't sure why they did n't try other methods of contact. When the collection agency called, I had knowledge of this charge. I immediately paid XXXX XXXX XXXX XXXX/XXXX/15 XXXX and they said that they would take it off the list from the collection agency. Also that it was before the due date of the collection agency to affect my credit score. So they should have never sent it to the credit agencies or reported it. I have the receipt for further proof. They still have not taken it off of my credit report, though I have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud as defined by the XXXX. The XXXX has an open investigation into the fraud and I have provided the creditors AND the bureaus with this document. STILL, the items remain on my report and the bureaus, all 3, do nothing except request MORE documentation and send me emails with dead links.