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

The first week of XXXX I logged into the Ally Auto App to pay my bill. I was able to do that, and was then prompted to download the Ally Financial App as they were doing away with the auto app. My information was supposed to transfer seamlessly, and when I logged into the new app with my user name and password all of my auto loan information was supposed to show up. I was able to log in, but none of my loan information was there. It said that I had no open accounts. Now when I attempt to log in I get a message that I am locked out and am prompted to call customer service. 

I called customer serivice and was told to wait 48 hours and try again. I did so, and logged in with same issue. I called customer service several more times after that to either be hung up on, placed on a perpetual hold, transferred back to the main menu, or to wait 48 hours and try again. I called customer service on XX/XX/24, XX/XX/24, XX/XX/24, and XX/XX/24. 

I have had to reach out through social media in order to get someone to actually contact me to try and help. On XX/XX/24 I received a call from XXXX in their executive customer service department, because I had messaged them on XX/XX/24 on XXXX and again on XX/XX/24 through XXXX. On XX/XX/24 I called customer service again. And again on XX/XX/24. 

I tried reaching XXXX in the executive customer service department on XX/XX/24 and left a message. At this point I am over trying to get my situation resolved. No one seems interested in helping. I have made my payments by phone and paid the fee each time in order to do so. 

I just called customer service again this evening ( XX/XX/24 ) to be told to wait on a 2-3 minute hold and at 33 minutes was transferred back to the main menu. I have not been able to access my personal loan information at this point for almost 4 months. This is by far the worst experience I have ever had with a company that has access to my financial information.
Product: Student loan

We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 2. Discharge all loans associated with fraudulent practices, including consolidated loans. 3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. Thank you for your attention to this urgent matter.
Product: Debt collection

The following accounts are being reported by the following bureaus XXXX & XXXX! XXXX XXXX XXXX invalid account never verified BRIDGECREST XXXX invalid account never verified XXXX XXXX invalid account never verified for the record They are invalid and have never been verified for the record nor the record have they shown me any legal tangible instrument via mail or email. I have requested this several times, I have been violated with the damages both BRIDGECREST, XXXX XXXX, & XXXX are legally liable for the following illegal behavior and actions : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy. 5 ) Violation 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. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. 7 ) violation of 15 U.S.C. 1692g Validation of debts The following accounts below are in error because of identity theft ( please refer to the attached FTC Identity theft report within the mailing packet ) According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit documentation. XXXX XXXX, BRIDGECREST, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal. This information has never been verified for the record via mail or email and once never as a legal tangible instrument. CAN THE FOLLOWING COMPANIES EXPLAIN TO ME WHY MY RIGHTS KEEP BEING VIOLATED? ALL INFORMATION SUCH AS FTC ID THEFT AND OTHER SUPPORTING DOCUMENTS etc. HAS BEEN ATTACHED TO SEVERAL PAST COMPLAINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting Incorrect historical data for myself which I have reported on XX/XX/2020, Second follow up on XX/XX/2020. Equifax FAILED to update the correct information on my credit report. Equifax violated federal law, and FCRA. 

EQUIFAX, reports incorrect addresses that I NEVER LIVED OR BEEN ASSOCIATED WITH, and names that do not belong to me. ( PLEASE SEE ATTACHED )
Product: Checking or savings account

I am trying to use my XXXX debit card to make a purchase. It denies my purchase. I have the funds to cover it. I call and ask why. They tell me its not at an approved location. No one ever told me I can use my funds only at approved locations. Then they tell me it is frozen for XXXX hours. Then I reluctantly have to wait the XXXX hours. I try to use it after the XXXX hours ant what is supposed to be an approved location and it denies again. I call again and I get the same XXXX  and XXXX  XXXX. Over and over I can not access my money and they keep telling me I need to wait another XXXX hours. Its been over XXXX hours and I still cant use my money and they keep XXXX XXXX with me.
Product: Debt collection

TEK Collect is trying to collect for XXXX XXXX XXXX XXXX a past due amount of {$1200.00} that was opened fraudulently using my SSN. I do not live in that county nor did I open that account. I have filed a police report in 2021 for the same individual and have taken precautions in freezing my credit and adding a fraud alert to my SSN. Not sure how this individual was able to open this account and when I disputed it with XXXX my claim was denied. 

Contact number for TEK Collect phone : XXXX
Product: Mortgage

. At the time of the recession when everyone was losing or walking away from their homes we were given a trial mortgage by Citi which we paid every month with the promise they would modify the loan. after the trial period they put all the interests back, did not modify us and put us in foreclosure as mentioned.So happens they put us in foreclosure and we had to pay back a lump some of money to save our home from going into foreclosure. Now there is a {$15000.00} dollars plus interest on our loan which makes our monthly payments very high and the XXXX dollars we had to pay them to save the home despite the fact we were still making monthly payments they told us to pay. I would like a full investigation in our account held my current lender and previous from the initiation of the mortgage with citi back in XX/XX/2004 and the current holder of the loan citimortgage. WE are stuck in a rut, and can not move forward like everybody else and we are reliable and responsible citizens.WE can not refinance or get the benefits of a Harp or lower interest rates. Our credit was ruined because we were promised what we did not get. The people who benefited are those who have money and can more than afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I contacted XXXX ( XXXX ) to provide internet services at my new address. With a XXXX agent, I initiated services via a phone conversation. Only when trying to activate the internet modem did XXXX XXXX services come up on my computer ( NOT XXXX ). In short, XXXX could not activate the internet modem as XXXX already had control of the line ( from a previous tenant ). At that point, I cancelled all services with XXXX. I then contacted XXXX to switch existing internet services. At no point did I have access or use XXXX internet services or receive any equipment from XXXX. 

In late XX/XX/XXXX, I received a bill from XXXX in the mail stating that I owed {$50.00}. There was not line item to justify this billing amount, or explanation for why they stated that I needed to pay them {$50.00}. I immediately contacted XXXX, who apologized and issued me a credit. I never received an explanation for why I was billed for {$50.00}. I told them that this was fraud to bill me when I never received or used services and the bill contained no line item expense for the {$50.00} amount. I received a {$50.00} account credit ( proof via e-mail ). 

In early XX/XX/XXXX, I received a bill from I.C. Systems ( a debt collector ) informing me that they were attempting to collect a {$50.00} debt on behalf of XXXX. This statement told me that I had a " Total amount of the debt now : {$50.00} '' I am being fraudulently billed and harassed by XXXX ( XXXX ) and/or its agents. I ask for the CFPB 's help dealing with this matter, as a debt collector has contacted me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my XXXX XXXX account # XXXX was reporting inaccurately. I have a late payment for XXXX that was in fact paid on time. The consumer reporting agencies have a need to report ALL information with COMPLETE ACCURACY. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the same data furnisher, they should have consistent information. XXXX clearly shows I was never late which is accurate. Im requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified as accurate, I demand these payments be updated to paid on time IMMEDIATELY. Thank you for your understanding and prompt action.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion =================================== 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 of 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

There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
XXXX reports the date last active as XX/XX/XXXX, XXXX reports the date last active as XX/XX/XXXX and Experian reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for XXXX is XX/XX/XXXX. Experian reports the date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by XXXX and Experian and XXXX refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX account that is completely wrong. XXXX reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. XXXX has never investigated this item. XXXX reports the date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.
Product: Credit reporting or other personal consumer reports

Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are XXXX accounts with self reporting on credit which dont belongs to me.
Product: Checking or savings account

They froze my account to where I cant access any of my funds XXXX  direct deposited money. Also they still allowed my direct deposit to be put into the account that they have on hold/froze. They refused to explain why this is happening. They simply say to re open, close or for me to do anything with my funds I have to provide - photo id, selfie id with my photo id, prof of address. I have provided but so far they have rejected what I sent even though they are documents I was told they accept. They want complete images of these, I dont feel comfortable providing other complete account info and private information. Thats not ok to require. And an explanation of funds deposits and withdrawals. My deposits are direct deposits, some cash deposits from cash remodel work, and life insurance payment from uncle passing. Withdrawals has been at casino to gamble. Usually I withdraw money and hopefully put it back into bank later and maybe even some extra if I win some. My cash deposits has not been excessive or large amounts. Less than XXXX in over 45 or more days. And it closely matches my withdrawals located at the casino. I feel they are holding my funds and income hostage. I need to get gas to get to work, buy medicine, pay rent and buy food. I cant do that with them putting my account on hold. Is this legal? They following all rules and laws? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian numerous requests to investigate and remove two accounts from my credit report/file that do not belong to me and they are not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Transunion is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XX/XX/2015 and account number # XXXX. It does n't make any sense for this to be on my Transunion report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXXXXXX XXXX deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Discover Bank Pursuant to The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of XXXX. You are in direct violation of my consumer rights. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I XXXX XXXX the consumer never gave Discover Bank any written, oral, air any other means of correspondence that they could share my personal information with any third parties. You have shared my personal private information including my name, social security number, address, phone number, account number and other personal information with several third party companies. Financial institutions found in violation face fines of {$100000.00} for each violation. XXXX, XXXX, XXXX are all third party non-governmental for profit companies. Please have my information removed immediately from their records and any other third parties in which you have provided my private personal information. You are also in violation of United States Privacy Act, as I gave you no consent to share any of my private information with these companies. They are not backed by, bonded or have any affiliation with any government agencies. 

All Rights Reserved Without Prejudice U.C.C 1-308, Notice To Agent notice knowledge U.C.C. 1-202
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have accrued, despite having sufficient funds when transactions were authorize I was charged fees due to lack of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XXXX is trying to collect on a debt that was identity theft. I have sent them several documents told them and several of their collection people who are coming to the my house that it was fraud. I have sent them documentation as well. It's on my credit report they won't remove it. The last report I filed they said that wasn't even their account. As far as I know I think the vehicle they may be looking for has been wrecked and destroy. I do know this was identity theft and I never took a loan out with them. We have a car that is similar in description and I'm afraid they may try and take it and make a mistake.
Product: Money transfer, virtual currency, or money service

I bought a car on XX/XX/2022, on the very same date the car price dropped by XXXX $ as I have the cashier check the dealer said once the check has been cashed they will mail me a check of XXXX $ but it's been 4 months I haven't got any money from them went to the dealer 3 times every time they will come up with a new excuse and they will make me wait in lobby for hours without any proper response. 

As I took XXXX loan I am paying interest for this XXXX $ dollars and it's been 4 months
Product: Checking or savings account

Nothing no one contacted me it's says I owe over and. It's messed my credit up bab
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report for XX/XX/XXXX and the account information from National Credit Adjust show account is charged off or in collection XX/XX/XXXX on XXXX and XXXX. It show last date of activity on XXXX on XX/XX/XXXX. it show the last date of active on XXXX as XX/XX/XXXX. I looked at my credit report for XX/XX/XXXX on XXXX and now it shows as 120 days late last reported on XX/XX/XXXX with last payment date XX/XX/XXXX. I have been disputing this account but it seems that when I dispute it the company change the report date on it to keep it current on my credit report.
Product: Credit reporting

You removed  XXXX   XXXX   XXXX   XXXX  because the company could not provide valid information, they are the ones that removed it and you have put it back on my credit again. This is in violation of the FCRA. Experian is in violation of trying to reinsert information that could not be verified. I am demanding that this information be removed immediately. Unless you have updated information meaning PHYSICAL PROOF, a contract with my signature then you are in violation of section 609 of the FCRA