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

Starting on XX/XX/2023 I have been unable to access my Ally Financial Account in order to make payments to bill and see relevant information regarding documents and other remaining balance inquiries. 

On XX/XX/2023 I made numerous attempts to contact the company and resolve the issue to no avail. The company failed to provide a resolution and explained they do not have a planned date to find a solution. In total, I had XXXX separate phone calls with representatives of the company who were unable to regain access to my account. I am unable to see financial documents, loan agreement, billing dates, amount due, and other fees related to the auto loan I placed with the company. 

The number given to customers to solve issues like this is XXXX - none of the representatives have been able to regain access and their team has stated " this is a known customer issue, with no solution in sight ''. I would like my loan obligation to this company to end if I am unable to see the remaining documents and agreements. 

I am now receiving messages regarding " late payments '' and " past due balances '' although they have failed to give me access to my account after their own system failure.
Product: Debt collection

mrs bpo XXXX XXXX XXXX XXXX XXXX, nj.XXXX phone XXXX XXXX XXXX and XXXX XXXX XXXX they put a collection on my credit report.This is not my account. 
I called the phone numbers and gave them my social security no. and phone no. and address they said they have no accounts. I told them I know that and this collection is not mine.But they said they couldn't remove it because they had no account number.amount is {$1100.00} and said opened on XX/XX/21
Product: Debt collection

I am writing today because I do not recognize the debt you claim I owe, and therefore, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information so I can understand and confirm the legitimacy of this debt : -Verification of the debt Identify the original creditor, including any relevant account numbers and any prior debt collection agencies involved, if applicable.

-Proof of ownership Provide documentation verifying that you have the legal authority to collect this debt and any transfer documentation if this debt was purchased or assigned.

-Itemized debt breakdown Include an itemized statement showing the original amount, interest, fees, and any adjustments or payments made. 

-Proof of my liability Any documents that demonstrate I am legally obligated to pay this debt. 

Additionally, please provide any documents or correspondence bearing my signature related to the alleged debt to verify its authenticity. 

Until I receive proper validation, I request that you cease all collection activities and do not report this debt to any credit reporting agencies, as doing so without proper validation would be inaccurate. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

XXXX Opened XXXX XXXX Balance limit is {$3000.00}. 
Balance at {$3100.00} Contacted XXXX about fraudulent account.
Product: Debt collection

Credence Resource Management called me. I did not answer. When I returned their call they were asking for a " XXXX XXXX ''. I told them I do not know her and that this has been my phone number for several years now. My phone number XXXX and it is listed on the do not call list.
Product: Credit card

I was working for a company and business owner got into my personal belongings and wrote down my credit card information. She filled out application for food distributor signed in my name to it and had food delivered every week from XX/XX/XXXX to XX/XX/XXXX and the money was taken out of my credit card every time without my knowledge. I try disputing it four times with the credit card company and they keep telling me because I had a business relationship with her but theres nothing that they can do.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 Amex forcefully closed my charge card account because they claimed they did not receive my financial documents and/or income tax return information they requested. I have full proof they did receive the documents via certified letters w/ signature. Despite receiving my financial documents they chose to close my charge account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 ; my wife and I entered into a contract based on a sales meeting at our home to purchase a solar powered system through XXXX XXXX ( since then has been renamed XXXX XXXX ). The sales agent presented information and quoted figures that we feel are highly deceptive and patently misrepresent the ability of the system as it functions today. The total cost of the system is {$74000.00} which comes down to roughly $ XXXX. We were made to believe that our system would generate 73 % of our current energy usage, and that by improving the efficiency of our home through changes such as LED bulbs, improving insulation, etc. ; our energy consumption would further decrease. At the time, our average energy bill was approximately $ XXXX. The sales agent referenced the cost of the system being offset by the amount of savings generated through solar energy. In actuality, we are not seeing any significant change in energy utilization. Our monthly statements for energy consumption have not changed, nor has our monthly bill. We are not only paying the same monthly energy bill as prior to the system being installed, but we are also paying the cost of the system which has essentially doubled our monthly payment for energy. Because of the gross misrepresentation, we have become incredibly upset. We have tried reaching out to the sales agent but have received no response. We also have reached out to XXXX XXXX, but they state that they will not do any form of system performance review until at least 5 months have passed. Because of this, we feel that XXXX XXXX has breached the contract agreement and we should not be held liable for payments on this system and therefore can not expect Sunlight Financial or XXXX XXXX XXXX to continue to request payment for this faulty system as we want it removed from our property. To be clear, this is not necessarily an issue with the loan or repayment. We believe we were fraudulently sold a system that can not perform to the specifications that we were made to believe. This has caused a doubling of our expense without any benefit. We believe XXXX XXXX and the financial institutions they work with, Sunlight Financial and XXXX XXXX XXXX, should be held accountable and should remove their equipment and no longer receive payment.
Product: Credit reporting or other personal consumer reports

An account from XXXX that was not mine was reported on my credit report as late payments. While it has already been removed from XXXX and XXXX, it still persists on my TransUnion report.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : I.C. Systems Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # : XXXX Dear Sir or Madam : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you, please provide them notice of my dispute to owing this debt. 

Thank you for your immediate cooperation. 
Sincerely, XXXX XXXX cc : FDCPA
Product: Mortgage

After several months of diligently working to find a home loan for the area that I am technically unable to move from due to custody of a divorce. Was giving the run around. Asked to put money down to show good faith. They requested for {$1000.00}. I was then asked for an additional {$4000.00} then {$5000.00}. I ended up making sure by date of closing if more money was required down, even throughout k was prepaid to pay it. I was not giving that much out of this process. Instead I was labeled lazy and told I needed to go to work and that I was not honest. The loan officer about being honest to the particular I am a disabled veteran who recently required surgery unexpectedly on left leg. I was told by the loan officer, XXXX XXXX and XXXX XXXX backed each other up and refuted to if I went to work I could own a house. In addition, made comment about my sister who I helped in 2014 battle XXXX. She had zero health or burial insurance. I used a credit card with that were paid off but was subjecting me to a monthly fee after writing XXXX XXXX about the issue each time. There were disputes because the debt was satisfied and no proving information that stated any different. I disputed all three of the these allegedly made accounts and favor was giving after making complaint using credit karma where I get message about erroneous made attempt via a collection agency that XXXX somehow took one account and made it split 3different times. Again, I disputed via XXXX XXXX, and was relieved with a posting of zero owed. But, nevertheless it shows zero with a derogatory lingering entitlement. Had I known sooner I could have did better with what was being shared unknowingly. I was educated and kept up to date thanks to XXXX XXXX.
Product: Checking or savings account

Dear Sir, Citizens Bank did not answer my previous Grievance related to US Department of Home Land Security/Law Firm Check Deposits and Check Clearance Records, which are are missing in my bank records, clearance records and statements. Original Checks are missing and original checks are not returned to me. There is no electronic transfer authorization given to any bank or originator. Only Authorized checks XXXX/XXXX were given to US Department of Home Land Security ( for my individual XXXX premium processing fee amount of XXXX $ ) and Immigration Law Firm Respectively ( Immigration Law Firm fee amount of XXXX $ for processing XXXX premium documents ). Respective Law Firm has given the written statement that they have correctly deposited my original checks to Bank and US Department of Home Land Security, I am at liberty to submit the invoice, scanned copies of my original checks and law firm written confirmation to any Honorable Court, Respective Law Enforcement, customs officers and Immigration fraud department, I have only given Authorized checks with checks and social, and I have not given any electronic transfer authorization to anyone. I have only given Authorized checks XXXX/XXXX for my individual XXXX premium processing ( my address, SSN and my individual premium processing details are clearly mentioned in the check and address is same for all my checks since the day I opened the Charter One/Citizens Bank account ) to Immigration Law Firm. Citizens Bank violated authorized check terms and conditions, fraudulently tampered my original checks and destroyed my check clearance records and scanned copy of the checks in the Bank Statements and Records. Citizens Bank/Charter One Bank holds the complete legal accountability and responsibility for tampering my checks in the records. It comes under forgery act at concerned immigration department If anyone claim or use XXXX/XXXX checks for any kind of immigration benefit or visa on behalf of me, these checks XXXX/XXXX were only given for my individual XXXX XXXX renewal Premium processing along with my signature and SSN. In the response to my previous Grievance, Citizens Bank accusing US Department of Home Land Security and Law Firm that they did not deposit the original checks to Citizens Bank. May I sincerely pray Consumer Finance Bureau to refer my complaint to Respectable Federal Officer/Law Enforcement officer to investigate my complaint against citizens bank and also check with immigration fraud department, this is very important for me. There is a high possibility that my checks have been misused by someone and misrepresented me at XXXX, accordingly my original checks are missing, check clearance records are missing and check images are missing in the Bank Statements for Authorized checks, which is unlawful and illegal.
Product: Mortgage

THIS MORTGAGE COMPANY STOPPED MY AUTOMATIC PAYMENTS. NOW IM SHOWING AS DELIQUENT AND MY CREDIT SCORED DROPPED XXXX POINTS. WHAT THE XXXX
Product: Credit reporting or other personal consumer reports

My Identity was stolen several times in the past XXXX  years from Data Breeches with Equifax, XXXX XXXX, Etc Etc. And stolen ... from all these data breeches hard to tell how many people have all my info to open up anything they want from Highest Security to Lowest. And this is very dangerous. I kept getting all kinds of bills and inquiries... it's crazy cell phones, credit cards, water bills, Heating bills, gas, checking accounts... EVERYTHING. 

Im trying to buy a home here soon and I can not buy. Pack of XXXXXXXX XXXX gum on credit it's so bad...? I have no idea what to do
Product: Money transfer, virtual currency, or money service

My cashapp account was locked due to me changing my device. I sent an email from the app to have it unlocked. The following Monday, I got a reply from support to verify some information via several questions. I did that but have not heard back from them and my account is still locked! I have no access to my funds. I have sent 10 follow up emails with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

in review of my credit file i see two recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) XXXXx Mortgage XXXX XX/XX/2023 I would like these two inquires removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXe is still trying to hold me accountable for a company Doc u tax .that was suppose to work on my back taxes and didn't complete my taxes and it caused me to get a wage garnishment. XXXX XXXX reported this to the credit bureau and this is affecting my credit score.
Product: Debt collection

TD Bank / XXXX XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

We paid our Mortgage payment to Ditech electronically on XXXX XXXX of 2016. They were going through what they call a system upgrade and our payment was never posted. They started calling us that our payment was late and I faxed them a copy of our bank statement that clearly shows the payment. They do not dispute this but they have still failed to credit us the payment and as such every payment we have made since then has been credited to the month before, thus showing us as " unpaid '' for the current month. They have placed negative and inaccurate information on our credit report and continue to call and harass me and my husband. My husband has a XXXX and we can not afford to have any negative information on our credit report. This has affected us socially as we argue over it, it has affected us financially as our credit has been devastated and this has affected me XXXX as I can not sleep and get so upset when they call that my XXXX and I have to lie down. We have done nothing wrong and are being destroyed on many different levels. My time is also worth something and they have wasted several hours of it.
Product: Debt collection

I have an account on my credit file listed as XXXX XXXX XXXX or world XXXX XXXXXXXX XXXX that I do not recognize. I have recently filed a report with the FTC for identity theft and I believe this account is related to that as I do not have any knowledge of it. Previous attempts to validate this debit from my credit profile were not successful and the debt remains reflected as a collection account through the credit bureaus.
Product: Debt collection

I received a document from Financial Asset Management Systems. They requested that I send information about whether or not I owe the debt. I submitted documents by mail on XX/XX/XXXX to request information about the debt. The deadline was XX/XX/XXXX, which was a Sunday I have not received any written information about the debt. Further, it states that XXXX can not collect on the debt but they are trying to collect on the debt. This is concerning that this company is reaching out without having authority to collect anything. Further, it is not clear that the debt is even mine. I don't know if this belongs to me. The company 's name is Financial Asset Management Systems.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and XXXX XXXX XXXX  b ). 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states | have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In addition, has also violated my rights bet 15 USC code 6802. 

I went through a finical hardship after losing my mother to XXXX last year. I feel XXXX XXXX took advantage of me while committing XXXX XXXX fraud. I filed complaints with the XXXX, CFPB as well as the state. The account was later charged off however I never received a XXXX. 

XXXX also can not provide me with adequate validation. I DO NOT have a signed agreement with XXXX. With my valid signature. 
XXXX XXXX XXXX XXXX {$14000.00} XXXX closed XX/XX/year>, XXXX profit and loss wright off yet l did not receive a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX XXXXF XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

I have had some difficulty financially since XX/XX/XXXX I have XXXX children and sometimes it was hard to make ends meet so I took out a Title loan from 1800 Loan Mart /Wheels Financial Group based out in XXXX calif I must have rolled over about XXXX loans in the past years i had received a loan back in XXXX XXXX for {$500.00} so that was rolling over a previous loan so that was back in XXXX XXXX then in XXXX XXXX I took out another {$500.00} that made another rollover loan # XXXX now after this last loan I never took out anymore on or about XXXX XXXX I received this phone call from 1800 Loan mart and said do n't make your payment for XXXX XXXX just make it in XXXX XXXX now this is still on the loan number XXXX and now they said your loan number is going to change when you make that new payment in Jnuary use XXXX that 's the new loan number so I 'm paying now ive come to the end of XXXX payment after 48 months never getting anymore loans I thought wow I did it but no 1800 loanmart said wait XXXX XXXX you signed for a third loan that loan number is XXXX but I told them you called me in XX/XX/XXXX and said the loan number changed from XXXX to XXXX they said no this is a third loan for XX/XX/XXXX no way I said I did not sign for this I have been trying to get to the bottom of this they sent me copies of a contract that to my knowledge has been altered to make it look like I signed it so I believe 1800Lloan Mart did an illegal roll over loan on me they wont let me fly up and look at the original keep giving me different stories they know what they did I can have anyone subena my telephone records for XX/XX/XXXX they called I 'm absoulutely XXXX they did and said that loan number changed I have had a great relationship with these people and help me out a lot but that does not give them the right to do an illegal loan roll over when that loan is matured for XXXX I 'm in a better place in my life and these people took advantage of me and thought I would not notice because I had rolled loans over but they made a bad choice I have given them several chances to come clean they want to stick to their story but phone records do n't lie original copies of contracts do n't lie but defrauding customers plus a loyal customer is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed the response from experian. They DO NOT have the right to tell me that i didnt file this complaint. I provided everything they needed to prove who I am. If this is not taking care of IMMEDIATLEY! i will SUE!
Product: Debt collection

Capio Partners have added a medical debt to my credit report despite not sending any communications. I do not recognize this debt and dispute it. Capio Partners is clearly a dishonest company and needs to be fined off the face of the earth.