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

I experienced a permanant separation from my spouse of XXXX years. I 've explained this to Ally Financial as I struggled to catch up on payments over the past XXXX  months. Their reasoning for not being able to offer XXXX type of assistance is due to the age of the loan. It 's only XXXX months old. I 've explained to them that since the separation, which was completely unforeseen, my expenses have understandably doubled since I 'm responsible paying all bills myself. I definitely do not want to lose my vehicle, but I 'm met with constant threats and intimidation tactics from Ally representations. They continually ask me for the reasons I 'm running behind on payments, do they not understand that people experiencing a separation after that amount of time might have difficulty getting thing back on track. I 'm am continuosly given incorrect or misleading information regarding their collections process, some reps say my vehicle will be XXXX XXXX immediately, others give differing variations of the process that are inconsistent and could harm consumers.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account was wrongfully removed from my report at the beginning of XXXX, despite being open and in good standing. I am an authorized user on my moms XXXX XXXXXXXX XXXX, in order to boost my credit score, due to her impeccable payment history combined with an aged account and a high credit limit. No changes were made to the account - I verified this information with XXXX XXXX personally - who stated that I am still an active authorized user on the account and they have no idea why it would be taken off, as they have reported it correctly to the credit bureaus. I have tried to dispute this with experian, but their dispute process only lets you click on items that exist on your report individually and then amend the incorrect information. Because this item was removed from my report altogether, I can not dispute it using their dispute center. They also dont accept disputes via phone anymore. 

The removal of this account has made my credit score tank about XXXX points overnight, and has reduced my credit history by 8 years, and proven to be very detrimental to my financial health and goals. Please help me rectify this issue ASAP. 

I attached a copy of my credit report from XXXX, in addition to XXXX screenshots from myXXXX from XX/XX/XXXX ; all showing the account i am referring to in good standing and active.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Checking or savings account

On or around XXXX of last year me my wife my son took a trip to XXXX what happened was on the way back which we spent about a couple of days then we ended up leaving like around XX/XX/XXXX or so they told us that my wife could not fly she was a permanent resident newly permanent resident and we showed all the proper documents and made sure that we were able to fly with those documents make sure it was OK with our lawyer we get to the airport about three hours before departure and the lady at the counter told us that we can not fly at all so this prompted me to have to pay for a different flight on another airline two to be exact XXXX XXXX bus in XXXX in order to get my wife to XXXX. I contacted my bank USAA and try to get them to give me my money back for this issue and they denied my claim many times after showing them proof. 
I have reached a point that I have spoken to the highest person I can add USAA and they told me that they can not reopen my case and they can not do anything about it this led to me going into overdraft in possibly having my account closed as Ive been threatened that this will happen in the next couple of days in order to save my account Im going to pay the money but I feel as though I should have my money back into my account because my wife did not take her intended flight only me and my son and I showed this proof.
Product: Vehicle loan or lease

In XXXX of XX/XX/XXXX, I purchased a new XX/XX/XXXXXXXX XXXXXX/XX/XXXX for around {$7000.00} and financed it. Sometime a year or two later, I refinanced my home and paid off several loans, including this one. I never received the title. Recently, I was looking at purchasing a newXX/XX/XXXX and was going to sell the XX/XX/XXXX. According to PA, where I live, Department of Conservation and Natural Resource ( DCNR ) who the XXXX is registered through, there is a lien on the XX/XX/XXXXhrough HSBC Retail Services Inc, XXXX XXXX XXXX, XXXX XXXX, IL XXXX. I have not moved, have an excellent credit score over XXXX, and have no outstanding debts to this company according to my credit report. I contacted customer service of HSBC and they advised me to email XXXX and explain my issue. I emailed the company on XXXX and have had no response. The customer service rep took my ssn and my personal information and advised they have no judgements or action against me. I can not sell my XX/XX/XXXX without the title.
Product: Credit card or prepaid card

I was discriminated against by BANK OF AMERICA. They violated my rights as a consumer pursuant to the Equal Credit Opportunity Act.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXXXXXX XXXX XXXX XXXXXXXX - {$800.00} TXXXX XXXX XXXXXXXX - {$760.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$16000.00}
Product: Mortgage

I am sincerely concerned and frustrated with the difficulties I have encountered while attempting to catch up on my mortgage payments, particularly in light of the challenges posed by the XXXX pandemic. 

Unfortunately, during the pandemic, I fell behind on my mortgage payments due to unforeseen circumstances. I had health issues and XXXX. However, I am currently employed full-time and have a stable income that enables me to meet my regular payment obligations, given the opportunity to catch up on the arrears. 

Despite my earnest efforts to find a resolution, I have faced significant obstacles when attempting to make arrangements with my mortgage company. My multiple attempts to discuss and negotiate a suitable plan to catch up on the missed payments were met with refusal, which has only compounded the financial strain and uncertainty I am experiencing. 

I am willing and committed to making amends for the missed payments if given the chance. I seek your help in communication with the mortgage company to get them to understand and allow me to rectify the arrears over an agreed-upon timeframe. Please help me keep my home.
Product: Debt collection

Added to dispute XXXXStill not crediting payments and not itemizingCourt says Alliance one told them they any amount paid on debt. 

They say on their web apge they are a XXXX office -- -- court says limited times -- Mon -Thurs and other hours on Friday - that they take phone payments -- - but automated service does n't work.
Product: Checking or savings account

I, : XXXX :, XXXX, am, a " XXXX '' ( see 8USC1408 ) on XX/XX/year> at approximately XXXX arrived at Chase Bank XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Tel XXXX 
XXXX to open a " private '' personal checking account. Upon arrival I, : XXXX : spoke with the banking representative and produced my XXXX XXXX XXXX, United United States of America, three star, XXXX and card. I also provided a affidavit of true identity along with a power of attorney, notice of fiduciary relationship, and notice of fiduciary relationship of financial institution. I clearly informed the representative that she will not understand my status as a " XXXX '' and advised her to get the banks manager. The bank manager came into the office and I clearly explained the situation and informed her to present my documentation to the legal department for review. Both the manager and the representative " refused '' to accept my passports and refuse to read the documentation and also refused to present my documentation to the legal department. 
I clearly informed them both, that, If, I, : XXXX :, XXXX, leave the bank branch without opening an account that I will, if fact, report, them to the CFPB. After, informing them of my right they claimed that they could not accept my instrument which had a restricted endorsement on the back ( see 31CFR328.4 ), and, I, : XXXX XXXX XXXX, departed, the branch without opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # 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
Product: Debt collection

disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This account is not mine. I want to see my signed orginal contract. I want my identity proven 100 % and for them to send me what they have and not a copy of statements. Plus this account is over 5yrs old. 



They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Debt collection

I reached out to Credit Management because they have a paid collection on my credit report 4 yrs old stopping me from buying a home. This is the second time I dealt with them on an issue like this the other was removed. They have listed an account which I paid XXXX $ Back in XXXX   directly to the XXXX XXXX XXXX. The company acknowledges that truth and emailed me a letter stating they acknowledged it was satisfied and if they reported my account to the bureau they would contact the bureaus tI update accordingly. I had no signed contract with this company at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have update my address with XXXX, Equifax, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the XXXX credit bureaus, Equifax, XXXX and XXXX will not report my current Address. I also have disputed negative unverified accounts with XXXX, Equifax and XXXX and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance obtained my CREDIT BUREAU consumer report on XX/XX/XXXX and XX/XX/XXXX without my permission, or without a permissible purpose by law, they are in violation of the fair credit act FCRA codified at 15 U.S.C sub section : 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Mariner Finance, Furthermore, I do not have an account as defined under 15 U.S.C 1693 ( a ) ( 2 ) with Mariner Finance for review or collection.

Pursuant to 15 U.S.C sub section : 1681n ( a ) Any person knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under title 18, Imprisonment for not more than 2 years, or both. 

BY WILLFULLY VIOLATING THE FCRA, I am willing to settle the civil liability damages that I have suffered as a result of Mariner Finances violation, for {$2000.00} ( reported 2x- x {$1000.00} ) Pursuant to FCRA, sub section : 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C sub section : 1681n ]. Should they fail to refuse to settle the matter by tendering payment in the amount of {$2000.00} within ten calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00} per violation.
Product: Money transfer, virtual currency, or money service

I noticed an unauthorized purchase was made on my Venmo account on XX/XX/2022. 

A total of {$100.00} was transferred from my linked checking account to purchase {$100.00} of Litecoin and included a fee of {$2.00}. 

I contacted Venmo and asked them to investigate. They froze my account for a couple of weeks and asked that I change my password, which I did. 

Today I received a response that my claim was denied and that the charge was not unauthorized. 

I read that there are other claims similar to mine and that this is being actively investigated. I absolutely did not authorize this purchase and at the time did not even know that virtual currency was able to be purchased through Venmo. 

Please advise on next steps for resolution or if anything else is needed. I am including the text from Venmo 's reply email today below. 


Hi, XXXX Your Venmo dispute case has been denied Original transaction : Transaction amount : {$100.00} USD Crypto bought : XXXX LTC Dispute amount : {$100.00} USD Date : XX/XX/2022 Dispute ID : XXXX Reason : You submitted your claim because you did not authorize this purchase. 


We received the case ( s ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( s ) : This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX. Please include your name, the email address on your Venmo account, and the date you reported the claim. 

Thank you for your patience and cooperation. 

Please don't reply to this message. To get in touch with us, click Help & Contact.
Product: Credit reporting or other personal consumer reports

I filed a dispute in XXXX to XXXX  and advised that I never had an XXXX XXXX  with XXXX XXXX or XXXX XXXX. I also advised them that I never stayed at XXXX XXXX  and that the XXXX XXXX accounts are fraud I submitted my theft affidavit and they told me that they were not blocking the account. I told them that it was fraud and they still refused to block it and would not send me verification on how they verified the account. They are in violation and its unfair that they are reporting this information and then transunion responded back saying it was frivolous and wouldnt even tell me how it was frivolous. I should be able to dispute something that is inaccurate. Then on top of the that they removed it and added it back without sending me any notification.
Product: Debt collection

I dispute debt according to XXXX asking to verify a signed contract stating I entered into a contract and asked about payment history report
Product: Debt collection

This all began when I received written notice from unrelated creditors that the terms of credit were being modified due to payment status with other " creditors '' Turns out Fay Servicing, a mortgage servicer, decided to conduct an audit of my account and falsely claimed that I missed a payment in XX/XX/XXXX, some 9 months prior to today 's date. Without any notice, written or otherwise, Fay reported me late to the credit companies. Zero notification, and zero communication in order to try to clear up the matter. Not only did I receive a 30 day late from Fay, but XXXX XXXX terminated one account and dramatically changed the terms of another account. 

What actually happened is that I made 2 payments, to Fay. in XX/XX/XXXX, one of the payments in error. The extra payment was returned to me by my bank. This is a seasoned mortgage account with over a 10-year pay history. 

I have had multiple conversations with Fay. I have asked them to remove the mortgage delinquency. They refuse. I have again sent Fay all the appropriate bank statements, and proof of payment via a canceled check receipt. Not only has my credit and credit score been damaged, other creditors have terminated their relationship with me or changed terms. 

I have no issue in cooperating with Fay. Mistakes happen. However, their radical and cavalier behavior in erroneously reporting me late, without first contacting me and then placing the entire burden of proof on me to produce bank statements and canceled checks are not reasonable. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions Company failed to validate debt and prove a contractual agreement. Several rights were violated. The debt is not mine. I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I dispute the accuracy and validity of this collection account. Midland Credit Management is a third-party debt buyer, and under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), they must provide full validation of the debt, including the original creditors details, proof of ownership, and a complete payment history. 

I have not received proper validation from Midland Credit Management proving that this debt is accurate, belongs to me, or that they have the legal right to collect on it. Therefore, I am requesting an investigation to ensure that this account is properly verified or removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed credit dispute letters to Equifax, XXXX, and XXXX on XX/XX/2020 and the incorrect items have not been removed. I also have not received any communication back from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Debt collection

I received a letter from IQ Data International in which the deadline to respond to was XX/XX/XXXX. I responded by XX/XX/XXXX by disputing the debt due to the amount being incorrect. I then requested the following from IQ Data International : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Texas ; 5. proof of the last payment made on the account. 

I received none of this information. No verification of the debt has been made. 

The only thing I have received was a major derogatory mark on my credit report on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the collection and it still shows up negative on my report
Product: Vehicle loan or lease

In 2018 I financed a car with XXXX XXXX. for the past year + I've been paying a company called sensible auto. i have never signed any documents with them nor have i agreed to do any business with them. based on XXXX XXXX  i have paid 100 % of this loan. sensible auto has butchered my credit with a loan i never had with them. from XXXX credit score to less than XXXX this company is now telling me that i owe them an additional XXXX per month for XXXX more months. i have asked them for the contract several times and they will not produce one. all i want is my credit fixed back the way it was cause it took time and hard work to get it there and the title to my car it also wouldn't hurt to get back some of my money that they stole from me. This company is finding a legal way to get away with strong arming and robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking into my credit report last month ( XX/XX/XXXX ) I noticed many incorrect names, addresses, and credit accounts linked to my credit profile I have disputed some of them and they have been removed but there are quote a few that remain to this day that are incorrect see the below some are reporting to all 3 bureaus XXXX, XXXX, Transunion incorrectly XXXX XXXX- open XX/XX/XXXX amount {$700.00} XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX- open XX/XX/XXXX amount {$1900.00} XXXX XXXX- open XX/XX/XXXX amount {$66000.00} XXXX XXXX XXXX- open XX/XX/XXXX XXXX {$520.00} XXXX open XX/XX/XXXX amount {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX amount {$10000.00} XXXX open XX/XX/XXXX XXXX {$150.00} XXXX XXXX- open XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$1900.00} XXXXXXXX XXXX- inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX