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

This complaint stems from an original complaint filed with CFPB against Ally Financial under Complaint # XXXX, submitted on XX/XX/2021. 

After the original complaint was submitted through CFPB, Ally Financial indicated that they would be correcting the inaccurate, incomplete information. They stopped the enforcement of repossessing my vehicle but they did not correct the inaccurate posting of monthly installments based on our previous agreements. 

I sent the attached notices to Ally Financial to correct the two late payments they were indicating on my credit report as well as a recent one day late payment which was incorrect. 

XXXX, an analyst at Ally Financial telephone me and indicated that they did correct the one error of reporting but the other two errors were accurate. I disagreed with him and explained prior conversations indicated that the two errors were on the fault of Ally Financial and that Ally Financial would be correcting the errors. 

XXXX, advised that he would be sending me written payment history and records to reflect that the two late payments shown on my credit report were accurate. This conversation with XXXX took place over a month ago and to date, I still have not received any written verification of data from Ally Financial and hence, Ally Financial has had more than a year to correct their records. 

I am once again, asking CFPB to intervene by any means necessary to adjudicate an expediate rectifying of my credit report. They are causing unnecessary negative reporting which was never due to anything on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

CLAIM XXXX In XXXX, I ( XXXX XXXX ) purchase a new roof from XXXX XXXX. They warrantied the roof for 20 years and exited the roofing business in XXXX. The roof had been leaking since their contractor completed the work. Every few months, XXXX XXXX had to send a subcontractor to fix a leak or skylight. 
In XX/XX/XXXX, I reported a new leak which was assessed by XXXX XXXX subcontractor . Then I discovered a new leak in a closet and a bathroom. These were later assessed and XXXX agreed to pay only {$2200.00}. They had me find my own contractor to twist his arms to accept the cost. I paid the contractor the money XXXX agreed to pay. Now they want me to sign a release saying that I agree to hold them harmless for anything that may be wrong with the roof in the future. I have filed a complained with XXXX XXXX, had many conversations with XXXX and talked with a Supervisor named XXXX, but with no success. They want me to sign this release : I, XXXX XXXX, in consideration of the sum of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( XXXX ), the receipt and sufficiency which is hereby acknowledged, paid to me in satisfaction of all claims that I may have against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX their successors, assigns, subsidiaries, affiliates, shareholders, officers, directors, employees, representatives, subcontractors, attorneys, agents, sureties, bonding companies, and any insurance companies providing liability coverage to any of the parties released hereby ( hereinafter the " Releases '' ), do hereby remise, release, and forever discharge the releasees of and from all claims, demands, actions, causes, of action, obligations, injuries, losses, cost of expenses... 
These are just the beginning of this one-sided release/contract. I do not feel confident in signing this release and made it known to XXXX XXXX XXXX XXXX, which referred me back to the very contractorXXXX I complained about. I spoke with XXXX XXXX Supervisor who said that they can not do anything as XXXX XXXX legal has to look at it. They told me XXXX XXXX would contact me on a specific date ( XX/XX/XXXX ) and I received no such call. I called XXXX XXXX XXXX back on XX/XX/XXXX and they were referring me back to Subcontractor XXXX. 
I am requesting that you please look into how this company is using its power to limit the rights it originally provide to this customer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from our supplier including CC to other employees of XXXX XXXX XXXX requesting we update their bank details to Chase bank. The bank details were an attachment on company letterhead. 
I received several other emails regarding payment until the date we transferred the funds in three wires from XXXX XXXX XXXX to Chase Bank. Here is the amount of each transfer : XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX XXXX XX/XX/XXXX {$84000.00} XX/XX/XXXX XXXX XX/XX/XXXX {$21000.00} XX/XX/XXXX the total {$100000.00} After the transfer was made, I was contacted by the General Manager Logistics and Customer Support at XXXX stating they had not received the funds. I sent the payment remittance, they replied that the emails requesting the bank details updated was fraud. 
We filed a fraud case at XXXX XXXX and to recall the funds. XXXX XXXX was unable to retrieve the funds. We contacted Chase Bank but were told they could only submit to requests from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.
Product: Debt collection

On XX/XX/2020 I received a alert from my credit monitoring service of account on my credit report inserted by I.C SYSTEMS in the amount of {$130.00}. I mailed a certified letter if dispute requesting them to remove the account and to validate the debt. I have never received a bill statement for this amount and to remove. I also contacted XXXX on XXXX XXXX and to the billing department asking to send a itemized statement andcto dispute the charges. I was advised by Rep.XXXX XXXX that this would be disputed and validated. XXXX XXXX asked to check back in 48 hours. Ibwas given tickey # ( XXXX ). I called back again to XXXX and spoke with XXXX and was advised that there was no billing on the account. She stated that she would advised the collection agency to remove from my account. She stated that the ticket provided by XXXX was never escalated. She assured me that her tickt ( XXXX ) would be escalated and the account would be removed from collections as there was no proof that I owed the balance. Told me to allow 7 business days. She said I would receive an email confirmation of the outcome. Never happened. I called back again on XX/XX/2020 and spoke with XXXX and advised of the run around about this so called bill that I owe. It just appeared out of thin air. She stated she would also create a ticket to have this account looked into and removed. I was advised that she would personally call me back as she starts work at XXXX EST. I've never received that call to date. I reached out to XXXX today and spoke to XXXX. He advised me that all the tickets provided to me yielded no results. He stated that the collection department is saying i owe the debt, but they have no records of account to show. I advised him that this is in Violation of the FCRA. I also went to the local office and was told that the account shows XX/XX/XXXX balance and that they have no record of what the statement shows. This is a travesty and illegal. How can you say I owe a bill from over 2 years ago and not prove to me or the collection agency that I owe the debt. This unfair. I paid my bill in full. I also requested that the collection agency verify the debt and they have yet to respond. The account they are reporting is attached to XXXX. They should be able to provide me with information about this balance and they have failed. This was a internet essentials account for low income families for XXXX per month. Why am owing that balance? This is shame on XXXX. I will never use them again.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take swift action to eliminate the fraudulent entries from my credit report. These inquiries were not authorized by me and are causing me undue stress.
Product: Credit reporting, credit repair services, 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 XX/XX/XXXX# XXXX 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 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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMAR, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This address is incorrect, please remove.
Product: Checking or savings account

Dear US Bank, I did not realize until recently that a personal checking account XXXX and a business checking account XXXX was successfully opened in XX/XX/XXXX. At the time, I was told by a US Bank banker that you were not able to open the accounts successfully. 
I just realized it was indeed opened and I have been charged fees for it. I would like to keep the accounts open going forward, but I kindly ask that you reverse the following fees : Account : XXXX XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee Account : XXXX XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. This is regarding account :
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for is, iliar 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

Collection agency claims that a judgement was ordered XX/XX/XXXX to pay. I received notice from my employer in XX/XX/XXXX that my paycheck was to be garnished. ELEVEN YEARS AFTER THE JUDGEMENT
Product: Debt collection

I was sent a letter in the mail XXXX XXXX2020 from fancy law firm in regards to a charged off auto loan that I had with XXXX XXXX XXXX as soon as I received the letter I called them to see what my options were I offered to make a XXXX dollar payment arrangement a month until I can go back to work when I will be able to pay XXXX dollars every XXXX and XXXX of the month which are my pay periods they told me that those options would not work I will have to pay more than that because the interest rate is over XXXX percent I still explain to them what my income was and the representative that I spoke with said they will Sue me and they will also try to reach out to the other party listed on the auto loan. On XXXX XXXX   two thousand and twenty a representative named XXXX contacted me I missed her original call so I called back about an hour or so later I again explain to them the payment arrangements that I could pay and at that time XXXX became very aggressive and very rude she said that I could have paid my stimulus check for the debt I could have used my unemployment I told her I didn't have any unemployment to give at the moment she said they could take my unemployment XXXX also said they will continue to call until it gets resolved or they will Sue me in court she also stated that she would contact the other party which is my great aunt on the loan she asked me what kind of income my great aunt had what I had on her and I told her I had none to give, and she continued to just get more and more aggressive and very, very rude, every time someone calls from this law firm, they are very rude and nasty, they threaten you, I understand that they do not have to go with the payment plan that is offered, however, they still need to be able to handle calls in a well manner, they should not treat people the way that they have been treating them. When I first reached out to this law firm, the very first representative I spoke with said the minimum amount they could take was XXXX from me, however, she did not reiterate if that was every XXXX weeks, every week or every month, so if me offering XXXX every XXXX and XXXX, once I go back to work, is not suitable, they should have never told me that amount if that was a lie
Product: Student loan

My name is XXXX XXXX. I am reaching out with respect to the PLSF waiver. Prior to XX/XX/XXXX, I was making payments to XXXX. I was never eligible for PLSF because my loans were not the correct type of loans, despite working in XXXX XXXX as a XXXX  at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I applied to consolidate my loans ( as suggested by the government to be eligible for the PLSF waiver ). My loans were consolidated. I applied for Employment Certification in XXXX as well. In XX/XX/XXXX my counts were finally updated. I have approximately 92/120 payments. However, this was not correct as my belief was that I was well over 120 payments. I did some more digging and learned that the Government put me on School Deferment from XXXX and did not inform me ( I started a XXXX XXXX XXXX ). I continued making payments during that time ( therefore, over 60 payments ), all on time and full amount and I have documentation. During this time ( and still today ), XXXX XXXX XXXX XXXX XXXX My payments were over $ XXXX/month. I continued to do some more research and submitted a back dated form to waive the School Deferment for that period of time. It was accepted but only effective starting XX/XX/XXXX. I contacted and complained through the FSA portal. I finally received notification yesterday ( XX/XX/XXXX ) that they are closing my complaint. They are stating that the PLSF waiver can not be applied to school deferment periods and my waiver can not be applied prior to consolidation in XX/XX/XXXX. This makes no sense to me. I did my due diligence and paid on my loans. I did not default once. I have been working at an eligible institution since XXXX and have paid well over 120 payments, these are all the requirements of the PLSF temporary waiver. However, I am being denied because I did not apply to waive a school deferment that I was not aware of that the Government put me in. Please help.
Product: Credit reporting or other personal consumer reports

The Fair Credit reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer I have a right to ensure that my private information is not shared. XXXX, Equifax, and XXXX are all consumer reporting agencies. 15 USC 6801 says " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition under this title XXXX XXXX is a financial institution. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution XXXX XXXX and consumer reporting agencies XXXX, Equifax, and XXXX DO NOT have my consent to furnish this information. I revoke any and all consent, written or non-written, verbal or non-verbal, and implied from XXXX XXXX and XXXX, Equifax, and XXXX. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' With that being said, XXXX XXXX ( The Financial Institution ) never informed me ( The Consumer ) of my right to exercise my non disclosure option. 
15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account/inquirie is an adverse item on my consumer report being reported without my permission, which is AGAINST the LAW. " 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. according to 15 U.S. Code 1681s2 ( A ) ( 1 ).

In accordance with 15 U.S. Code 1681e which states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining these reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I WAS IN A XXXX XXXX XXXX, I WAS TOO SCARED TO DO ANYTHING. AT THE TIME HE SAID IF I WENT TO POLICE HE WOULD RUIN ME BUT I NEVER KNEW WHAT HE MEANT BY THAT. I FINALLY TOLD MY FRIEND WHO IS AN OFFICER WHAT WAS GOING ON AND THEY REPORTED IT. FROM THERE, I LET HIM KNOW AND HE DISAPPEARED. I NEVER WOULD USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX