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

Spring Oak Capital SPV, LLC has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and XXXX consumer reporting agencies. Spring Oak Capital SPV, LLC has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my credit score, and has caused me emotional distress.

I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. 
Spring Oak Capital SPV, LLC has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, Spring Oak Capital SPV, LLC received a notification from the credit reporting agencies that the account was disputed. Spring Oak Capital SPV, LLC responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, XXXX, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXX XXXX  Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR XXXX OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH CELTIC BANK WHICH IS INDIGO. Which is another violation.
Product: Credit reporting or other personal consumer reports

I just checked and reviewed again my XXXX, Equifax and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Mortgage

On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.
Product: Credit reporting

in XX/XX/XXXX I authorized XXXX motors to do a credit check for them to get me a loan on a motorcycle. THEY then allowed XXXX more creditors ( XXXX XXXX and XXXX XXXX XXXX ) to pull a credit report on me as well. This was for XXXX loan and I now have XXXX hard inquiries for that. Is there any way this can be changed to just XXXX report.
Product: Mortgage

Freedom Mortgage XXXX sold mortgage servicing rights to XXXX XXXX 

Freedom Mortgage accepted a mortgage payment on XX/XX/year>. 

XXXX Bank is not showing the payment for XX/XX/year>, and they are harassing me about late payment penalties despite there being a 60 day window of time for the mortgage servicing companies to transfer the loan and update their records. 

I proactively called each bank asking for them to trace this money that was paid on XX/XX/XXXX. Both banks have no idea where it is at. I have had multiple phone calls with each of these banks on a call at the same time, additionally with the bank I use for the account where the money was taken for paying XXXX mortgage payment. 

My bank stated on the phone that the money had not been returned to my account as Freedom Mortgage had claimed. Freedom Mortgage claims they are sending the money to XXXX bank, but they have changed their story multiple times and their back office has no records of my payment to them nor have the provided me a receipt or statement depicting that I have paid the mortgage on time. 

I have provided bank records to Freedom Mortgage. I have proactively engaged XXXX to get to the bottom of where these two mortgage servicing companies have misplaced the money I paid in service of this loan, and they have not followed up with me on a status. I call them multiple times, and its always a new representative on the phone and I have to rehash the same issue.

I am afraid to pay another payment for the next month because I dont know if they will also lose this money.

I have paid my mortgage without trouble for several years. I have a perfect credit score with no missed payments, and I have a job that requires good credit to maintain employment. 

If these companies mess up my credit due to a paperwork error that has not been corrected at the end of the 60 day grace period, then this will materially affect my employment and could put me at risk of foreclosure. This is a breach of both of these banks fiduciary responsibility to their shareholders and the banks are out of compliance with mortgage lending documentation requirements. I have not received a statement for the money that was removed from my bank account. 

I have consented to record these phone conversations with these banks, and I also notified the banks that the phone calls were being recorded on my end. I can furnish this documentation to whomever needs it to substantiate this claim. 

My next step if this can not be handled at the lowest level will be to retain an attorney and pursue this in court.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Since XX/XX/2022 Binance.US is holding my digital currency assets ( currently valued over {$41000.00} ) without my consent and not allowing me to freely trade and transfer anything even though I have have complied with all of their requests for account verification and accurately provided all the required documentation. They have been making questionable excuses about their work being backed up and delaying but have still not resolved the problem and continue to hold my funds without my authorization after several weeks. I have sent several emails and had conversations with their application support chat team to follow up and they have still not allowed me full access to my assets. I need them to return all of my belongings immediately.
Product: Debt collection

XXXX HAS BEEN CALLING REPEATEDLY FROM RANDOM NUMBERS ATTEMPTING TO MAKE ME PAY FOR SERVICES THAT WERE NEVER RENDERED BY THE COMPANY. THE NUMBERS HAVE BEEN ADDED TO A BLOCK LIST BY THE CELL PHONE PROVIDER BUT THE NUMBER CONTINUE TO CHANGE AND IT IS IMPOSSIBLE TO BLOCK ALL OF THE NUMBERS THAT ARE BEING USED BY XXXX WHEN THEY ARE CALLING INTO XXXX XXXX XXXX
Product: Vehicle loan or lease

Due to XXXX I was unable to make the full payment amount on the due dates given when I first got the car, when I called to see if I could be set up on a payment plan like my app had said the company gave me XXXX options, XXXX I could afford at the time and one that was too expensive to try as an option. When setting me up on the payment plan the company did not explain that I would be missing my current payments and the auto pay they set me up on was only for the missed payment from before which then caused me to miss even more and fall more behind, as well as not getting a single notification via email/text/call like I should have been given. When the repossession occurred the tow company came on to private property and was told he was not allowed to be here by the property owner, manger of the establishment on the property, vehicle owner, and the security guard in which the driver rolled his window up in each of their faces and went ahead with repossession. After already having the car the loan company and repossession company are being extremely difficult in trying to receive personal property from the car which in turn has very important documents in it since I had just started to move states.
Product: Money transfer, virtual currency, or money service

I want to hook up my bank account with XXXX which I had and want to rehook it up but it says you are blocking me from enabling external apps. I want that xhanged. I have the right to do anything legaL WITH IT AND YOUR STOPPING ME.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. Please delete this account right away : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Data breach though credit report XXXX And capital one an Now I owe a bill with capital one an XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  XXXX   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  (  XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website and the Police Report I filed on my local Police Department to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 XXXX $ XXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

Pentagon Federal Credit Union shows up on my credit report as a revolving account. I have never opened any accounts with them and would like it removed from my credit report. 

Date opened : XX/XX/XXXX XXXX reported : XX/XX/XXXX
Product: Mortgage

1. A check for the XX/XX/2023 {$1100.00} mortgage payment was cashed on XX/XX/2023, by Webster Bank. This payment reflected the exact payment on my Webster Bank Statement dated XX/XX/2023 ( see attached copies I have provided ). Webster failed to apply my payment, showing a default on my loan. 
2. On XX/XX/2023, I received a second statement for the XX/XX/2023 payment, dated XX/XX/2023 for {$1600.00}. My yearly escrow analysis was printed on the back of that statement and the new payment reflected the escrow analysis done days before my mortgage due date. 
3. On XX/XX/2023, I spoke with XXXX in the escrow department and the department manager. XXXX could not offer any resolution other than to look back at my deferral agreement and send a complaint to XXXX. Moreover, XXXX confirmed that an increase in my escrow payment should occur at least 30 days in advance after an escrow analysis is complete. Again, this was completed only 5 days before the XX/XX/XXXX payment was due. 
4. Webster cashed a check for the XX/XX/2023 mortgage payment for the stated amount of {$1600.00} on XX/XX/2023. On XX/XX/2023, I received a late payment notice for XXXX and XXXX. 
XXXX. After reviewing my deferral agreement dated XX/XX/2023, I found nothing regarding an escrow account, simply XXXX XXXX XXXX 

The customer assistance I have received has been incredibly disappointing from this bank. I get conflicting answers from different people and the letters I have received from the bank do not give me a reference person to speak to, so when I call, I need to explain what the letter says ; but ironically they don't know who sent it. There should always be a contact person to speak to and not just a department. 
Thank you for your time.
Product: Checking or savings account

They keep blocking my account I could not put money in my account and they kept giving me over draft fees now I can't get in my account at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, convergent account XXXXXXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report, I noticed that OneMain Financial Group, LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  and XXXX  consumer report on XX/XX/2021 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with OneMain Financial Group, LLC Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with OneMain Financial Group, LLC for review or collection.
Product: Credit card or prepaid card

This bank refuses to let me apply or have another credit card I applied for the gm card and they declined me
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I got financed with XXXX XXXX XXXX they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX  for years. I Mailed Many Many Certified to XXXX XXXX, with No Response! No Luck getting the Negative Derogatory Mark, impacting my Fico Credit Score. Please Help! Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2023, to update the suspicious information or accounts. I think you have not validated these accounts after I complained previously. These accounts were already included in my prior COMPLAINT, and I'm including them again. 
Investigate and verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2023 Balance : {$15000.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, 2023 Balance : {$15000.00}
Product: Student loan

I am seeking Public Service Loan Forgiveness ( PSLF ). I started working at a XXXX XXXX XXXX XXXX in XX/XX/XXXX and have made 47 on-time payments under Income-Based Repayment ( IBR ) plan so far. I have submitted Employment Certification Form ( ECF ) inXX/XX/XXXX andXX/XX/XXXX. Their acknowledgement letter says We will provide you with notification of the number of qualifying payments you have made during the qualified employment period listed above however such notification was never received in writing. XXXX XXXX website posted payments due every month, but there was never a notification of this important matter. Ive been submitting my monthly IBR payments for the past 4 years thinking I was on track to PSLF until three days ago.

Every month I go to XXXX XXXX website to make my monthly payments. This month, I was being placed on Disaster Forbearance which I never applied for, and there is no natural disaster in my area. I started looking into all the links on the website and realized that 4 of my 14 loans were listed as Not eligible for PSLF. I was terrified. After studying what Direct loan means rigorously for the past 3 days, now I know the difference between FFELP vs. Direct loans. However this is something you wouldnt know unless you really study all the fine print of the loans and are financially savvy. All my loans came from the Federal Government so I thought they were all direct. The PSLF pamphlet I received back in XX/XX/XXXXstates the eligible loan types as ANY Direct Loan Subsidized/Unsubsidized Stafford, Plus, Consolidation. My FFELP loans were listed as simply Stafford and Plus on loan description, which are the exact words included in the list above. It made me believe my Stafford and Plus loans were PSLF eligible. I also noticed that studentaid.ed.gov PSLF webpage recently added more clear paragraphs regarding FEELP vs. Direct loans. However, it wasnt as clear back in XX/XX/XXXX when I actually looked into PSFL.

So basically I have to start the 120 IBR payments all over again. Even if I get all the direct Loans forgiven after 73 payments, the 4 remaining FFELP consolidation loan balance will be too large that I will have to make full IBR payments 47 more times.

While I believe important letters like this should have been delivered in writing in XX/XX/XXXX when I first submitted my ECF.

After further looking into this matter, I realized that I was not alone. I read numerous news articles about loan servicers misguiding students regarding PSLF. I also read about class action lawsuit. So I decided to look out for help as well.

Fedloan servicing should have provided a written letter regarding non-PSLF qualifying loans upon receiving ECF, and their failure to do so misguided me into believing I was in good status for PSLF for the past 47 months. This will cost me approximately {$80000.00}, having to pay start the 120 payments all over again. I would like see if anyone can help me to correct the issue.

Thank you so much for your help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this company several of times via mail, to explain that I have no acknowledgment of this item, which is inaccurately reporting on my credit file. This item has caused great damage to my career and financial ability. As Ive had several issues with obtaining financial assistance because of this inaccurate negative item. I will be seeking legal assistance for pain and suffering in regards to this item.