23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I leased a XXXX with Ally up until XX/XX/2016. After returning the vehicle in 'mint condition ' ( according to the dealership which inspected my vehicle before the lease ended to check if they wanted to buy it in order to get me a great deal on a new car, but it was going to be too expensive for them since it was in great shape ) I received notifications from Ally that I owe them {$650.00} for 3 (! ) new tires because they were run down. This claim came as a big surprise to us since I personally measured the tire thread with the provided tool before lease end to make sure we wo n't get billed afterwards ( after all it would have not been that expensive to replace worn down tires with some that would have passed the inspection if this would have been the case! ). So after offering an independent inspection which they turned down because they claimed that they had already sold the car at auction I requested the proof that they actually had to put 3 new tires on that car before they sold it which of course I never received! They kept referring me to the pictures of their inspector ( which could have been from any vehicle since they only showed close-up frames ) which I refused to accept since and I never had even one of the tires renewed, so this must have clearly been a mix-up or intentional fraud ( they also included a minor damage in the windshield which was covered but I do not recall wholes in the windshield at all! ). Turns out all my pleas were a waste of time! After spending hours on the phone with them I finally sent a letter to them including my dispute in XX/XX/XXXX. After still only receiving account payment reminders I went back on the phone and then they told me that that was an informal dispute which was turned down internally ( which they never notified me about! ) and that I have to mail a formal dispute if I still disagree with the charges, so I did that ( this time via certified mail! ) on XX/XX/XXXX. After still only receiving account notifications I yet again went back on the phone in XX/XX/XXXX and was told they never received my letter! Of course I told them I have the receipt of the certified mail and that is says that it was delivered just fine but all they did was to tell me that I should send an email. So I did that on XX/XX/XXXX and again on XX/XX/XXXX but the only thing I am still receiving is 'urgent account reminders ' ... This is a which hunt - I am shocked that a company like Ally can pull something like this off without acknowledging my concerns one single time in almost 6 months now ... That being said this is a matter of business ethics - it 's a fraud that leaves me as the consumer powerless. Not once have they acknowledged the problem or tried to work with me. I only keep hearing back from them with regards to the unpaid balance and that they are willing to work with me in paying the 'owed amount ' off. If I had the option to make this go away today by donating this bogus amount to my local XXXX I would n't hesitate for a second, but I refuse to be a victim of a fraud like this ... Please advise and help!!! Thank you!!
Product: Mortgage

I had applied refinace my two rental properties In California State no cost loans with Home Point Finical on XXXX XXXX.I sumitted all documents they asked for it but Loan Officer XXXX XXXX keep asking same documents over and over till today date, Mean while I has applied third prperty no cost refinance with XXXX XXXX XXXX XXXX. same time in XX/XX/2021 within 30days they are ready to close but XXXX XXXX XXXX want do my all three properties better than XXXX  co.I gave to them but XXXX keep delaying for same documents over again they keep extend my closing, Afterwords rate is going XXXX asking to pay higher cost to get orginal rate, I told them you keep delaying closing and it's no cost loans, I do not want refinance loan with you, Mean while they order three appraisals for closing they said no cost loan we are going to credit to you on my XXXX  XXXX credit card, I sent letter to XXXX and Home point Finical for refund on my credit card payment. But till today date they not reply back to me. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 AXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I had a XXXX XXXX XXXX XXXX through synchrony bank with a limit of {$500.00}. I made purchases at XXXX 's not exceeding {$280.00} dollars. A few weeks later, my account was closed. My card was deacdeleted. I got no notice. No phone call. No email, nothing in regards to this. My account closed XXXX of XXXX. 
I called today XX/XX/XXXX to come to a settlement of an amount to pay. 
I feel for the wrongful closing of my account for no reason, I should not have to pay interest or late fees. My payment history with this account is 88 percent on time, and I should only pay the amount I used. The card for my account was closed. Why would I still be getting charged interest on it and late fees. 
When I went to make my first payment, I could not access their website to pay it online. So I was just assuming because my account was closed. That I had no access to pay this online either. The phone call I had this evening with a settlement rep at Synchrony named XXXX was the most unprofessional, disgusting customer service phone call I have ever been on in my life. She gave me nothing but an attitude and was harassing me while I was trying to conversate with a family member about what was going on. She chimed in to my conversations more than a couple of times when she was supposed to be finding me a manager to discuss my account with further since she was no help and couldn't answer any of my questions, after twenty minutes of her trying to find management, I hung up the phone.
Product: Credit reporting or other personal consumer reports

My sister and I are XXXX and somehow our credit scores are merged. We have similar names and have worked at similar locations, lived in the same home and attended the same schools. I am currently married, trying to find a house and purchase a car in the next few years, but her credit card and student loans are negatively affecting my credit score and preventing me from doing anything. The credit bureau companies Transunion and XXXX sent out letters with all the information and credit lines associated with the account.
Product: Checking or savings account

So I had a huge case of fraud where I had lost my card and opened a claim, XX/XX/2022. Where after losing my card in XXXX, Colorado, I hadnt noticed till my card was in the negatives and declined my card at work. But basically I had lost almost {$3400.00} of my saved money and rent money, then after weeks and weeks they sent me a letter saying they think it was me who did the fraud, then I call and they were being rude to me and not helpful or sincere at all and basically told me off saying it was someone who had had access to my bank before. I dont understand at all, even if a friend had frauded me I dont get why I have to deal with the loss. I dont understand how they didnt notice the fraud at the time and stop it. I am a XXXX XXXX with barely any money and they now suddenly say I owe them {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my report I didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of 2021. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was scammed by a person named XXXX XXXX at XXXX. I was under extreme distress when he called and fell into his trap.He told me that he was from social security and that my card was used in human trafficking and the selling of drugs. He kept telling me not to hang up or that I would be arrested. My daughter has XXXX XXXX so I was afraid that this would happen. He told me to tell my bank that the money was being sent for remodeling. Yes, my bank did tell me that if I agree to send it they can not get it back. Nevertheless I agreed to send it. The banks name was Truist bank bank id # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
The recipient name is XXXX XXXX XXXX Account number XXXX located at XXXX XXXX, XXXX Ga XXXX I called XXXX  XXXX XXXX to report the scam on the same day I authorized the wire transfer and told them to hold the money and to contact Truist immediately to tell them to send the funds back. I gave Truist the FTC # XXXX, the police report and I filed an IC3. The amount was huge. Truist will not send back my money. How do I get my money back? I did everything right. In fact Truist from XXXX called me to tell me to contact my bank. I did that and was told that funds were put on hold. Later I learned that my private information was hacked at work, possible connection? I just want my money back
Product: Credit card

This is Against Apples ' Goldman Sachs credit card The company failed to provide accurate and/or regular statements and my credit balance was never accurate or reported corrected. 
I " asked multiple times for times for a paper statement to be mailed, but noting was sent.

I know I overpaid balance, but I have be
en provided no documentation to support this from GS.

I closed the account but found out later the account was never closed and a fraudulant charge was made against the account without my knowledge. GS never provided a statement. GS later reported me tot he 3 credit for non-payment. The amount was less than {$5.00}. It was only after I looked at my credit that I realized that they reported me without my knowledge. 
I requested this to be resolved on XX/XX/XXXX but the issue was still outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX and XXXX in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.
Product: Credit reporting or other personal consumer reports

I have contacted the company twice, once in XX/XX/2024 and again in XX/XX/2024, requesting documentation that verifies the account in question belongs to me. Despite these requests, the company has failed to provide any proof.

I currently have an open and active account with XXXX. However, the company claims that I have an account in collections. When I contacted XXXX directly, they informed me that there are no outstanding issues or collections associated with my active account.

I am requesting that the company provide clear documentation proving that this alleged collections account is legitimately mine. Alternatively, if this is an error, I request that the company correct it immediately and cease reporting this erroneous collections account.
Product: Money transfer, virtual currency, or money service

I paid the seller, XXXXXXXX XXXX. for a tennis racket on the XXXX of XXXX using Venmo. After days of no response, I filed a dispute on the XXXX. Immediately upon filing the dispute, XXXX finally responded saying how she was busy and that she would get it shipped out the next day. She agreed to ship it out if I cancelled the dispute, so I did. After I cancelled the dispute, she started ignoring me again. I tried reopening the dispute through Venmo but they have not helped me at all. Stating, we can not do anything once the dispute has been closed. I still have not received a tracking number or response from her. I am unable to require the {$100.00} that I got scammed of. Venmo is repeatedly telling me that they cant get my money back despite the overwhelming amount of proof that I was scammed.
Product: Credit card

This concerns dispute no. XXXX. 
This dispute was started on or about XX/XX/XXXX. It is for the amount of {$10.00}. 
The credit card co. requested that I provide information to it on that date. 
On XX/XX/XXXX the credit card co. closed the dispute because it did not receive a response. 
On or about XXXX of XXXX I requested to reopen the dispute and to provide the requested information. The dispute was reopened and I provided the requested information that the the credit card co. requested. See attachment 1. The nature of the dispute is that I had a validated parking ticket and the parking attendant, despite being given the validated parking ticket, failed to apply it and thus charged me. I noted in the letter sent to the credit card co. ( attachment 1 ) that I could not provide the validated ticket because I surrendered that to the merchant at the time of the transaction. However, I provided a receipt for the restaurant that I visited, the same restaurant that validated the parking ticket.

Despite receiving the requested information, which included ( 1 ) a selection of the nature of the dispute, ( 2 ) a confirmation of whether I attempted to resolve the dispute and detail about those efforts, and ( 3 ) additional information describing the event, the credit card co. sent me a response stating that the letter I provided to it " lacks all of the previously requested information. '' It is apparent that the the credit card co. has not reviewed the information provided because I did indeed provide 3 of the 4 items requested and as to the fourth I provided an explanation, as the credit card co. 's letter requests, as to if I can not provide certain documentation. 

I have attempted to have the credit card co. reopen the dispute but it is refusing to do so. I am demanding that it reopen the dispute and do a good faith review of the claim as it is required to do and that it acknowledge that the letter that I provided provides the information requested.
Product: Credit reporting or other personal consumer reports

XXXX have not allowed me to access my credit report online for over XXXX years. They are the only bureau that is currently reporting an item that has in dispute with XXXX XXXX as negative impact. I can not dispute their report online, the site list identity verification failed ( they did not provide any question for verification, I even validated the code they send via email ). 

This inconvenience is making it difficult to dispute inaccuracy, I have also asked XXXX to correct my name, I do not have any aliases I only go by XXXX XXXX XXXX XXXX my legal name ) ; XXXX XXXX is not my name ( it is the company incorrectly dropping part of my last name )
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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Late Payments Reported late payments on Months : XXXX, XXXX, and XXXX of XXXX and XXXX, XXXX and XXXX of XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Any assistance in this matter would be appreciated. 

Thank you.
Product: Student loan

Over the past year Ive been struggling to make payments of XXXX per month. They keep making me do a forbearance and only offer me intrest only payments which are just a few dollars less than the actual payment. Then they told me I will no longer be able to be in deferment while in school come XX/XX/2018. So regardless of if I am in school I still have to pay this plus what I am paying the school I am attending. In addition, they keep increasing my interest rate!
Product: Credit reporting or other personal consumer reports

n accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the dateThe information being reported is inaccurate and/or incomplete. Despite disputing this with the creditor/credit reporting agency , the issue remains unresolved. 
I believe the reporting of this account violates my rights under sections 611 and 623 of the Fair Credit Reporting Act ( FRCA ), which guarantee the right to dispute and correct inaccurate or unverifiable information on my credit report.

U.S. Code 611 ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file i on which the agency receives the notice of the dispute from the consumer ( 5 ) Treatment of inaccurate information states : 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 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 investigation.

U.S. Code 623 ( b ) Duties of furnishers of information upon notice of dispute. 
( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; and ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis. Please update credit report immediately ; Capital One.
Product: Checking or savings account

A corporate credit card went into default during COVID. Bank of America refused to continue to wait until the company was able to fully operate again. 
Bank of America started withdrawing all of my funds from my personal bank account, often leaving me at a XXXX balance then charging me NSF and Overdraft fees. 
My constant requests for the contract that they stated I signed authorizing them to do this continued to be denied and I recently found out through an attorney that they are obligated to provide this to me even if they say I already have it.
Product: Debt collection

According to 15 USC 1692C I advised LVNV Funding, LLC XXXX XXXX XXXX XXXX, SC XXXX to cease and desist all communication regarding improper reporting of multiple accounts under my name to the 3 credit bureaus and they have continued to report such debt and violate said law. I do not know who this company is and have never had any accounts with them or signed any contract with them agreeing that I owe them anything ( they have also failed to provide me with proof of the same ) The 4 improper accounts that they are reporting ( they have also failed to disclose FULL account numbers ) are shown on my credit files as follows : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft due to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified all of the credit reporting companies of this and was met with push back. XXXX stated the information was verified the same day I disputed it. There is no way the accounts were verified same day. What investigation was done?