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

Ally Financial received three checks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Financial claimed they did not receive XXXX XXXX XXXX  of {$2800.00} although I have receipt of all checks received by Ally Financial. They claimed there was no record XXXX XXXX XXXX. I called back after being hung up on and continued to inquire about the check. They gave me a false check number and later confirmed they did, in fact have the XXXX XXXX XXXXXXXX and posted it to my account immediately after I called back many times inquiring about this false check number ( XXXX ) they gave me. Again, although they claimed they never received or had any records of XXXX XXXX XXXX they immediately posted it after I inquired about the false check number I was given. Now Ally Financial is going into my account reallocating money. I did not give Ally Financial permission to reallocate any money from my monthly bill towards the principal. Ally Financial claimed that it is a policy in the Vehicle Service Contact but later confirmed that there is no such Policy. Now Ally is claiming that this is their Policy to have all cancellation refunds reallocated to the principal. However, they are refusing to give me this in information in writing. This specific Policy that Ally Financial is claiming exist is nowhere to be found Online and is not in my terms and conditions of my loan. I would like Ally Financial to stop posting things on my account and to stop reallocating money in my account without my consent. Each time I call I get told false information from the Auto Loan Department. They have displayed extremely unprofessional behavior and loud talking in the background. I have a recording of them laughing in the background on my voicemail.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding significant discrepancies between my credit scores reported by Experian, XXXX, and XXXX. XXXX and XXXX were previously reporting scores of XXXX on XX/XX/year>, but my Experian score is showing as 4which is clearly inaccurate and unreasonable. There have been no significant changes to my credit profile that would justify such a drastic difference between the scores.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. I request that the CFPB investigate this matter and direct Experian to provide a detailed explanation for the reported score and correct any inaccuracies. 



Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


I want these inquiries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies Experian, XXXX and XXXX which was not accurate because the balance was paid and applied to NYS Pell grant. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX  XXXX XXXX. I have forwarded the pertinent information to Transunion. They have responded by stalling and requesting for further proof of address. I request that the account listed below be blocked within 4 days as per FCRA 1. XXXX XXXX XXXX. This account was obtained fraudulently as I am a victim XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sunday evening about XXXX XXXX, I looking at XXXX, COVID-19 HOUSING HEARING, Secretary Fudge, thanks for your insight on discussing XXXX Criminal activities by Lenders, by Reporting Agencies and other issues. XXXX  remember you XXXX Removed my Paid-off Mortgage loan with XXXX, Loan number # XXXX, remember I told you XXXX  to Not XXXX with the Removal of my Mortgage Loan that I Paid off Faithfully as a Powerful XXXX man. Hey CONSUMER FINANCIAL PROTECTION BUREAU remember you let them motherfuckers play with my Credit Report for over a year and 4 months. CFPB, my US Senator is XXXX XXXX that serves on the Senate Finance Committee, Im Filing a XXXX Congressional inquiry against the Consumer Financial Protection Bureau to Find out the Relationship between the Consumer Financial Protection Bureau & XXXX! Hey CONSUMER FINANCIAL PROTECTION BUREAU youve violated me for over 4 years by ALLOWING XXXX  EXPERIAN AND XXXX  to XXXX with me as a XXXX Consumer, is this Correct? Thanks, Remember I told you about my Fight with XXXX  XXXX XXXX, XXXX  XXXX XXXX vs XXXX XXXX XXXX XXXX, thanks Congresswoman XXXX XXXX for giving us as XXXX Homeowners the insight to XXXX Fight Back, XXXX  I told you I would FIGHT BACK $ $ $ $ $ $
Product: Payday loan, title loan, personal loan, or advance loan

Late payments status for XX/XX/year>, XX/XX/year> and XX/XX/year> deferred no late payment, shouldn't be 30 days late status.
Product: Credit reporting or other personal consumer reports

I am an individual who has avoided debt up to this point in my life. I am now applying for a mortgage, ( starting about XX/XX/year> ) and all three credit bureas ( or at least whichever one the bank talks to ) insist that my credit score is frozen or suppressed. I would like to lodge this complaint against all three ( XXXX, XXXX, and TransUnion ), as I have attempted to call their customer service lines, only to politely be told to create an online account, or for the answering robots to break and stop registering my attempted responses to questions. 

I created an online account for TransUnion around XX/XX/XXXX, and there was no indication of a freeze or hold on my account. I attempted to make an account with XXXX today, XX/XX/year>, and got an error that their servers could not be reached. See attached error screenshot. I feel as though I am running out of avenues to contact an employee or automated system that will help, and I am trying to close on a house XX/XX/XXXX, so we need the credit reports long before that for the bank.
Product: Credit reporting or other personal consumer reports

I was notified that my personal information may have been included in a data breach so I signed up for credit monitoring and noticed some personal information that was not mine, wrong spelling of my name and an address that wasn't mine. I disputed this with Experian where i noticed the misinformation and they responded saying they didn't think it was me even though I sent them my ID, social and a utility bill with my name and address on it. So I responded back letting them know it was in fact me and provided all of the information again, my ID, social security card and utility bill and again they responded with the same thing that they don't believe it is me requesting my credit report be updated. So I went on the internet and did some research and found out that Experian does this as a stall tactic hoping consumers won't dispute the information on the credit report. I'm worried that my personal information is included in a data breach and criminals are using this misinformation to create accounts in my name and Experian is allowing the criminals to do this by refusing to remove this misinformation or even investigate it. In my research that i got from the CFPB website it says they are required by law to investigate and remove inaccurate information!
Product: Credit card

XX/XX/XXXXXXXX  for the account of {$180.00} I have a synchrony bank credit card for XXXX XXXX and I have it set up through ach and sometimes it takes long to come take money account and thats why I kept getting returned payments Ive called them several times letting them know I would rather pay online with my debit or credit card and they stated I cant pay online with my card only over the phone and I dont feel comfortable giving card information over the phone. I wouldve rather card payment because they dont take as long as a ach to process. Also I called in several times no one stated my account was closed I saw it online when I opened the app. I didnt receive anything in the mail stated it was closed thats unfair to me, I would like to get something resolved.Also they said I wouldnt be charged interest until XX/XX/XXXX Ive been charged interest. I just previously had a XXXX XXXX and wasnt working for about 3 months I was out on leave which put me in hardship trying to juggle bills but Im back working now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX  XXXX XXXX Account number XXXX Account Name : DEPT OF EDXXXX Account number XXXX Account Name : US DEPT OF EDUCATION Account number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX I mailed in the packet on XX/XX/year> XXXX mail along with obtaining a receipt and tracking number ( XXXX ). Two months have gone by and no word from Experian. The negative data furnishings are still being reported. I decided to call the XXXX XXXX XXXX for Experian and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents XXXX XXXX, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Experian has denied my claim without following through with my request to block the derogatory data furnishings.
Product: Payday loan, title loan, or personal loan

At the beginning of the week, XX/XX/2023, we put in an application for a joint personal loan with OneMain Financial. We provided all needed information for the application and set an appointment for XX/XX/2023 to sign for the joint personal loan we were approved for. Upon arrival for the appointment, we were told we were not able to get the personal loan due to one of the credit scores being frozen and could not be processed. The employees and the company had ample time to notify us that we needed to have all credit scores unfrozen before coming in to sign. The employee did attempt to resolve the issue after unfreezing the one credit score that was needed, which resulted in the running of the credit score three separate times for one of the applicants on the joint application. Now, we will be working with the three credit bureaus to get the hard inquiries removed due to this companys negligence and lack of information.
Product: Checking or savings account

Chime dispute team cancelled two of my transactions from being dinsputed a {$50.00} and {$25.00} from XXXX XXXX XXXX without acknowledging me I sent several emails and have called them every day since XX/XX/XXXX my account has over 15. Escalation ticket numbers and the investigation team has not responded to none
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 
XXXX ) XXXX XXXX account number XXXX Experian, XXXX, XXXX XXXX ) XXXX account number XXXX Experian XXXX, XXXX XXXX ) XXXX XXXX account number account XXXX Experian, XXXX, XXXX XXXX ) XXXX XXXX account number XXXX Experian, XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX Experian, XXXX, XXXX XXXX ) XXXX XXXX account number XXXX XXXX, Experian XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Mortgage

Since we stopped receiving e-statments in XXXX of 2015, we have reached out to XXXXLoan Care many times via phone and via their website to update our contact information ( phone, email, mailing address ), yet our updates are continuously not applied, resulting in us not receiving important information about our payments being increased which then lead to two months of our automatic payments through our bank being insufficient, causing XXXX reports of 30 day 's past due being put on our credit report. 

XXXXLoan Care never contacted us via phone or email to inquire why mail from the property was being returned, they never updated our contact information despite our multiple phone conversations and personal information updates on the web page. Had XXXX updated our information we would have been made aware of the payment change and the " 30 days past due '' never would have occurred. While we were " delinquent in paying the updated amount '' due to an escrow analysis, XXXX continued inability to properly update and maintain our correct contact information prevented us from both knowing about and being able to address the payment increase. When we called in to inquire on these negative credit reportings, we not only made the proper payments, but again changed our contact information, yet we still have received no mail or emails about this mortgage. 

Most currently, when contacting XXXX about our loan, they are unable to find it using either the loan number, our social security numbers, or our names and calls to Loan Care go unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} DP OF EDUC  XXXX Balance : {$560.00} DP OF EDUC XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I have obtained a XXXXXXXX XXXX XXXX  XXXX Report, dated XXXX. The Report, includes an American Express Prospectus, dated XX/XX/XXXX which discloses that the primary assets of the trust are receivables of designated consumer American Express revolving credit card accounts and receivables generated with the use of revolving credit features associated with certain other American Express credit card accounts and, in the future, may include other charge or credit accounts or features or products. The receivables consist of principal receivables and finance charge receivables. American Express XXXXXXXX XXXX XXXXXXXX XXXX is listed as the Issuing Entity of XXXX XXXX XXXX with an original balance of $ XXXX. American Express XXXX XXXX is listed as XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is named XXXX. The assigned XXXX Number is XXXX. The 1st payment date for this XXXX was XXXX. The XXXX maturity date is listed as XX/XX/XXXX. The Audit states Cardmembers ) Receivables has been converted into a stock as a permanent fixture. Receivables arriving from the subiect Cardmembers credit card accounts ( including mine ), were sold, assigned, conveyed and transferred to AMERICAN EXPRESS XXXX XXXX XXXX XXXXXXXX. Although my credit card application ( s ) was/were securitized and sold on the secondary market, I was not granted rights, title or interest in Receivables or proceeds of any kind. When corresponding with several American Express XXXX, I was overlooked and remain void of relativity to this process. I did not grant permission to securitize my application and have revoked American Express XXXX XXXX XXXX and security interest in relation to all matters concerning XXXX XXXX XXXX, as I, XXXX XXXX XXXX XXXX XXXX Agent and Beneficiary. In short, I believe the foregoing securitization practices of AMERICAN EXPRESS and its AFFILIATES to be that of Securities Fraud and Identity Fraud and in accordance with the Securities Act of XXXX. I was deceived and omitted from interest in this entire securitization process, while AMERICAN EXPRESS and its AFFiLIATES misrepresented the lucrative utilization of my application ( s ), as my application ( s ) was/were sold on the secondary market for monetary gain, for millions of dollars. In an effort to enter into a partnership with American Express, to date, my efforts are in vain. A list of Executives and Representatives approached in writing by me include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and their General Counsel Offices. Filed complaints now include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau. My final step, and very soon, is XXXX. Mailings and attachments available.
Product: Credit reporting or other personal consumer reports

I request the removal of all unapproved hard inquiries per 15 USC 16c-2, as they harm my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian says they need more info to generate a FICO score, even though I got a secured card from XXXX XXXX. I talked to XXXX XXXX. They never heard of Experian doing this before. Experian 's partner orgs keep sending offers for $ XXXX, 24.9 % or higher cards to " help me build credit ''. I'm wondering if they would suddenly have enough information to generate a XXXX score if I took one of these offers and they got a XXXX XXXX  or referral fee out of the {$99.00} annual fee, ie pay- to- play. I can't prove it, but it looks predatory. Please look into it
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX XXXX XXXX XXXX XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Bank account or service

I deposited a check from an inheritance in the amount of {$380000.00} in my checking account at Wells Fargo on XXXX XXXX, 2015. The bank put a 10-day hold on it. According to the attorney that sent me the check, it cleared that night. Wells refuses to release the hold until XXXX XXXX, even though they already have the funds. They insist that they need to verify the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple items on my credit report thats inaccurate I would like to be remove since XXXX until now
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1

666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports