23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct.

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it remains on the other XXXX reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. Russell v. Stephens, 191 Wash. 314, 71 P.2d 30, 31.

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it may be effected by mutual agreement of parties, or by one of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. Abdallah , Inc. v. Martin, 242 Minn. 416, 65 N.W.2d 641, 644. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

Ally Financial was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
Product: Credit card or prepaid card

On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX  on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX ran my annual background check, checkr returned the report with a consider because theyre reporting that a ticket on my dmv report is listed as a reckless driving/negligent driving/inattentive driving offense. The violation code listed is 22106, the code is correct, their definition or description is wrong however. 22106 is unsafe stopping or backing on a highway. In multiple emails with supporting documents to show their information is incorrect, they have not fixed this issue and as a result Ive lost my ability to drive with XXXX because they believe I have a charge of reckless driving when I do not. Ive provided checkr the court summary and hard copy ticket which clearly state the correct definition for cvc 22106, and that the offense is only an infraction. No person from checkr has responded to my emails or called me, and they have just rerun their inaccurate report which isnt coming from the dmv. Ive contacted the dmv and the courts and theyve confirmed they are not reporting what checkr is stating. What is simply a clerical error has now become a major issue as any background check run by checkr makes it look like I have a misdemeanor driving offense that doesnt exist and would disqualify me from transportation minded jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FairCredit Reporting act 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 15 U.S.C 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
Product: Mortgage

My mortgage was just sold from XXXX XXXX XXXX to a unfavorable mortgage called carrington effective XXXX XXXX I have n't received anything from this company, I 'm scared to death about having to deal with company because of the many complaints, what can I do
Product: Debt collection

Portfolio Recovery Services calls me repeatedly. I have asked on several occasions that they only contact me by mail, yet they still keep calling. More than XXXX caller has been aggressive and threatening. Some callers are evasive about telling me what company they are calling from and why. Every time they call I say that I have requested to only be contacted by mail and I have been told " apparently that did n't work '' and " you 're in a lot of trouble '' etc. I do n't recall receiving anything from them in the mail so I do n't know what debt they are calling about and I do n't trust them. After the way that I have been treated by some of their collection agents, I do not feel comfortable sending them any money. They are clearly not a professional outfit and I can not trust anything they say unless I have it in writing beforehand.
Product: Credit reporting

Experian reporting of XXXX XXXX reflects a foreflosure. this was a short sale of the property done on XX/XX/2013. this is not reported accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

On my letter dated XXXX XXXX, XXXX, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy XXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XXXX XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.
Product: Credit reporting or other personal consumer reports

Request for Validation and Verification of Accounts To Whom It May Concern, I am writing to request validation and verification of several accounts listed on my credit report to ensure the information is accurate. The accounts in question are as follows : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX Please provide verification of the accuracy of the information reported for these accounts, including the account status, balance, dates of activity, and any payment history. If you are unable to verify the accuracy of the information for the mentioned accounts, I request that they be removed from my credit report. 

Enclosed are copies of my credit report highlighting the accounts in question. Please investigate these accounts and provide me with a detailed response regarding the results of your verification process.
Product: Debt collection

XXXX XXXX allowed an account to be opened in my name. They were previously provided with all of the information regarding identity theft and asked to cooperate with my identity theft insurer ( providing documentation etc ) they stonewalled then switched over to claiming that they had sold the debt to Velocity and were unable to provide the information. They and Velocity have subsequently ignored requests from my attorney and continued attempts to collect and threaten me with lawsuits ( all the while not responding to my attorney ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$11.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$5.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$850.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

XX/XX/2022 I sent dispute letters to XXXX, XXXX, and Equifax. Disputing the accuracy of the inquiry. It has been over 30 days and I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed an account with Silverman Theologou , Llp and I received no response. I have documentation to show I disputed the debt and they never marked the account disputed which is a violation under 15 USC 1681 S-2 responsibilities of Furnishers of information to consumer reporting agencies. Section ( A ) mentions that its the furnishers duty to provide accurate information. Under 15 USC 1681 I5 which mentions the treatment of inaccurate or unverifiable information. The account needs to be removed because the information is inaccurate based on the information I provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay, so every time I apply to job & the company runs a Background check it always come back inaccurate.The charges & criminal history is not mines, I have no criminal background.Me & this person so happen to have the same name unfortunately for me.I have called first advantage & filled multiple disputes and it continues to happen time after time after time.I Just want my name cleared cause this misunderstanding been costing me jobs.I would really appreciate it if I can talk to one of you to verify who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Quicken Loans concerning two ( 2 ) hard inquires against my credit report. Neither of which I authorized. XXXX XXXX and XX/XX/2018. I spoke with ( XXXX, XXXX, and XXXX XXXX ) and they are investigating. The issue is that Quicken put a hard inquiry against my report without authorization. I want my score restored and the hard inquiries dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a check online on XXXX XXXX on XX/XX/XXXX and saw where Bank of America had recently reported my Home Equity Line of Credit as charged off. This is an account that I have been paying on monthly, never missed a payment and only to run a report on my credit and found that XXXX dropped my score by over 100 points and XXXX cancelled one of my credit cards because of this false report. I made an inquiry with Bank of America and they sent me a reply today, XX/XX/21 that the report that have posted is correct. However, I have been paying my bill monthly and have never been late. Please investigate this matter for me so that I can have this derogatory remark removed and my credit score corrected. Bank of America reference number is XXXX XXXX.
Product: Mortgage

XX/XX/XXXX We refinance our home with CrossCountry Mortgage LLC this was a Cash out when we close with the title company Cross Country told them to give us all the money but to hold back {$2400.00} and that CrossCountry would put it into Escrow. When I notice that we were missing {$2400.00} I call CrossCountry and I was told yes we have it in Escrow. I told them to send me the funds ASAP. I never got it. So as you can see I have written them 10 times begging for our funds. then in XX/XX/XXXX I sent the head office of CrossCountry a letter telling him that if I did not get our {$2400.00} that I was only going to send XXXX of the XXXX payment and that they would take the rest of the payment out of the escrow account. So that is what I did XX/XX/XXXX. CC reported to all three Bureau 's that I had missed a payment causing my XXXX  dropped XXXX points. They have cause us all kinds of problems. Then I got a litter from CC telling me that they had raise our payment XXXX because out Property Taxes had went up. Now this was XXXX per month for one year. I went to the XXXX XXXX to see if it was true. that would have ment that our taxes went up {$1100.00} a year. XXXX XXXX told me no you P/Taxes only went up {$61.00} for the hold year XXXX. I sent the head office of CC that they was not to raise our Taxes XXXX each month, that they was to have taken the XXXX out of our escrow account. 
CC just wanted to rip if off.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX through XXXX XXXX, I contacted a young lady and her boyfriend about fixing my car. XXXX XXXX  XXXX XXXX XXXX. They checked my ac ( because that was the problem ) & they told me it was the compressor. They did not provide me with proof of how much they paid for the part! They just provided me a screen shot from offline stating they have an account with XXXX XXXX store and does not have a physical receipt. ( thats weird because I ALWAYS get a receipt from the auto part store ). I asked for a refund more than once and I was unsuccessful! So I reached out to cash app to help and they did not show any regards for my situation. To make matters worst, they did not ATTEMPT to investigate! They just denied my dispute and asked me to ask the recipient for a refund. Like she was going to give it to me, that was the reason I reached out to cashapp! They can accept your money but not investigate a dispute. Especially it being my FIRST and ONLY dispute with them! They told me its nothing they can do and they refuse to help me. So I need options on what to do next
Product: Mortgage

I had repairs done on my home out of my own pocket, the insurance company did inspections and released the funds to me. I sent checks to PennyMac Loan services because they hold the mortgage. They are now saying they won't release the funds or schedule an inspection so i can finish the sale of my home.
Product: Vehicle loan or lease

My account number with Hyundai for a lease of XXXX XXXX is : XXXX I paid a lot of money as my monthly payment as of sales tax and I was all the way regular in my payment. I returned the car with very good condition and I spoke to one of the repair people from a Hyundai Dealership and according to his feedback " The car was in very good condition '' but their inspector charged me {$180.00} dollar on minor issues and also they are charging another {$40.00} as a tax on the lease termination. 
I spoke to their finance department multiple times and they were threatening me to report these amounts to the collection department and credit bureau. 
I tried to speak to their manager and they didn't allow me to talk to their manager. 
I tried to get the address so that I can file a federal complaint but didn't get sufficient help. 

They behaved like thieves who want to take money out of peoples pocket.
Product: Mortgage

I required this home in 2015. I sent will, deed, and death certificate. This went on and on, when I would call they would tell me I could not get any information. They didn't receive any information. Again I sent it, I was in bankruptcy, my attorney sent all paperwork will, deed, death certificate, still same process. Then they wanted to see if I was current on my taxes, sent that. I asked for a payment amount, they say I could't. I have sent certified letters, nothing. They tell me I need to pay {$3500.00} But I never received a payment plan. I call and they said that to send a hardship letter, got sent back stating that was not what they needed. 
I have been doing this for years. 
My brother told me to acquire a lawyer, I have thought about filing a complaint. 

Now I get an email saying to contact them I have 48 hours, or they were going to foreclosure This is the worst company to do business, all other debts from XXXX XXXX worked with me to pay. 
My attorney tried to make contact and still nothing. 
I was reading that they have several complaints.

When I file with different companies, they say that Specialized Loan is not easy. 

Should I try to make a complaint, I did before, they never contacted me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mailing address is XXXX XXXX XXXX XXXX, NY XXXX XXXX telephone number
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union and and requested a contract or legal document that binds me to a itme on my credit report because i can Not identify this {$650.00} XXXX XXXX item and they did Not provide me with the information yet say that this item is accurate investigation number # XXXX
Product: Credit reporting or other personal consumer reports

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. Full stop. No Agreement matters and if so prove it. Furthermore, if a Person is to report, the Person is to give notice to debtor and required to give the debtor an opt-out option. Full stop, if not prove it.