23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took a home improvement loan from Greensky in XXXX of XXXX. The Term of the loan was 90 months @ 234 per month on the 9 of every month, with the loan maturing on XX/XX/XXXX with a final payment of 234.50. I made multiple payments because this is a payment coupon book loan I expected the payments to go the monthly payments because there was no penalty for paying the monthly installments early. Greensky applied the payments to the principal instead of applying them to the monthly payments. I tried to get them to apply the monies to the monthly payments and they refused. I told them I thought in order for monies to be applied to the principal instead of monthly payments I had to specify that I wanted it applied to the principal. I didn't pay them the extra monies they wanted because I told them I already made the payments. They made my account delinquent listed it as a charged-off account on my credit reports, even though I continued to make payments but refused to give them additional payments. The current balance on the account is XXXX meaning that the loan will be paid in full before its maturity of XX/XX/XXXX because I continue to pay the coupon book amount of 234.00 monthly. This is totally unfair what they did they damage my credit and my credit score has declined. I hired a credit repair company to try to get this item removed from my credit report and they were unsuccessful. I would like this negative item removed from my credit report because based on the balance this bill will be paid in full 5 months before its maturity date of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Social security had showed me as deceased in XX/XX/2018, after the death of my father. They gave me a letter to give to creditors and credit bureaus showing they made a mistake and that I was very much alive. One creditor ( XXXX XXXX ) had charged off my acct and closed it in XX/XX/2018. After they received my letter from social security, they reopened and sent Equifax stating my acct was open and that I was not deceased. I've called Equifax and disputed this on several occasion and so far nothing has changed. I really hope you can help me, I'm just so frustrated. Thank you.
Product: Checking or savings account

Back in XX/XX/XXXX, my father opened a CD/Savings account with Ally Bank on my behalf in which when I was attempting to access the account that then triggered a suspicious activity flag. 

I called directly to clarify my identity and that allowed this savings account to be a joint one. 

They said they would investigate and get back to me and this was on XX/XX/XXXX. Since then we haven't heard back so we've called about 10x between my father and I. 

We've received several go arounds without any real update or timing. One time they told me they had deactivated the account completely ( without notification to either myself or father ) and funds were refunded to the original source- which is my father 's XXXX XXXXXXXX XXXX account. While that was already a sloppy way of handling things, we were at least relieved knowing where the $ was. 

So we went down that rabbit hole of checking with XXXX XXXX XXXX  to come and find that they had not receive any funds from Ally Bank. 

There we are back to square one chasing down Ally Bank who continually gave us no real answer other than we would receive a call back. 

It's been 2 months, we don't know where our funds are, no access to the account and the absolute worst customer service, at times, yelling at us or hanging up. 

This is beyond what we would think is possible for a major bank like this to operate and frankly feels like fraud to us. 

We would like to know what further action can be taken to release our funds back in an urgent fashion or have some sort of transparent and tangible update. 

This isn't small amount of money too, this is money that we need back in our hands. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid using my payment coupon and the company did not honor it. I would like my card and account to reflect I have paid on time always. CB/Indigo . I paid 3 bills using this method.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018 hired a lawyer ACC was trying to get double pay on a car went to court civil court I won automotive credit corporation is still disputing with the credit reporting agencies That I still owe them over {$7000.00} I dont owe them nothing judge put in a judgment in my favor I won plus lawyer fees and court costs
Product: Credit card

XX/XX/2023 i had several credit cards through Synchrony bank Lowes, ebay mastercard, paypal credit and mastercard, care credit, my car care and several others. I have one card that has a balance on and i am still paying on. I paid all cards on time and balance off. Never was late or missed a payment. All payments made on time. Back in XX/XX/2023 Synchrony closed every account with them. Reason was they say im a risk yet i pay off the balance after making few months of payments to build payment history and never late or miss any. Bank refuses to open accounts up. My score took a big hit when they closed all accounts. Reading reviews on this bank it seems to be a habit of theres
Product: Student loan

My wife and I took out approximately {$24000.00} each in federal student loans, for a total {$48000.00}. We got married before either of us graduated from collage, but after graduation it was recommended that we consolidate our loans into XXXX. When we had originally taken out the loans, we were mislead ( lied to ) with regards to the interest rates, processing fees and repayment schedule. We had the original agreements, however our loans have been sold so many times that for a while we were not sure who was servicing our loans. Currently, Great Lakes is the company servicing our loans. As I mentioned, we borrowed approximately {$48000.00}, Great lakes claims that we owe a little over {$130000.00} and expect a payment of {$96000.00} now and {$8400.00} a month for an undisclosed amount of time. We have attempted to set a reasonable payment arrangement multiple times. We speak to an agent, negotiate terms that we can afford, the agent says that they will send the paper work. We fill out and return the forms and when we follow up on the status we would hear the same thing. " We are sorry, but that agent was not authorized to make that type of arrangement and is no longer with the company ''. We have been through this scenario no less than 20 times and our loans continue to get higher and higher. We are actually being charged interest on our interest. Instead of 8 %, we are being charged more like 75 %. And there is no limit to how much this balance can grow, even to the point that we can not service the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX. I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with Transunion and XXXX hoping that they would address this issue. XXXX XXXX then reported back to Transunion that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( Transunion ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The Items I have identified and highlighted on my Chex System credit report. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

In XX/XX/2019 Flagstar Bank issued a home insurance payment from our escrow account to XXXX in the amount of {$320.00}. This company had been cancelled as we were now with XXXX XXXX. Flagstar has admitted they sent the payment to the wrong company and because of the length of time XXXX  is not issuing Flagstar a  refund because the wrong account # was affiliated with our name when submitted. The wrong person 's account was credited and because that person had already paid their policy they received a refund from XXXX. Customer Service at Flagstar let me know that it was being handled as a bad debt and that it would be processed and refunded to us. This started in XX/XX/2019 and is still continuing. Just to add some spice to this whole thing, we sold our house on XX/XX/2019 and had to pay the shortfall in our escrow. The customer service rep I have been working with approached them again and now they are saying the loan is paid off so we see this as finished. I will tell you that this particular agent is working with 5 other customers with the same problem and no accountability from Flagstar. I need this resolved and am very upset that a bank can get away with this kind of behavior. We couldn't have sold our house if we didn't pay the pay off figure given to our Title Co. Please, help us with this unjust and unfair practice.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX Or a list of inquiries : 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 or other personal consumer reports

I never gave Experian permission to report any of these inquiries from ; XX/XX/XXXX XX/XX/XXXX - XXXX XXXX These inquiries are fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. PERSONAL INFORMATION:XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXXXXXX XXXX XXXXXXXX va XXXX XXXX XXXX XXXX XXXX va XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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

On my credit report there are 2 debts. I made contact with trans union in  XX/XX/XXXX to dispute various items from addresses and phone numbers including these charged debts. Both XX/XX/XXXX-XXXX XXXX {$2700.00} & XXXX XXXX {$320.00}. They mailed me an updated copy of my report XX/XX/XXXX with the debts still there. I did not complain assuming investigation pending. I called them XX/XX/XXXX because the reports are still on my credit. They were rude and show no record of the disputes. However they validate my contacts in XX/XX/XXXX. I wanted them to provide me with the information these creditors had on my identity so I could document for person use. They could not. I have made attempts in the past to contact the creditors and they also would not give me the requested information. Do I have rights? Fair credit act i think. I tried to excersise them and was redirected. I followed procedure its not my fault the emloyee did not. So I'm requesting FTC to step in. The collection agency reps are out of the USA and don't seem to care I wanted to exercise my FCRA rights as I clearly requested to do so via conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account : ( XXXX XXXX ) belongs to someone with the same or similar name. Please delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! 
Under. 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( XXXX ) In the accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached my updated report and XXXX for verification. 

XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report because I'm looking to purchase a home and I noticed I have accounts reporting that does not belong to me. I tried to resolve this issue with the bureaus but I'm getting no where because they aren't governing the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XXXX XXXX My son asked me to cosign on an auto loan. We went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and signed the paperwork Myself the cosigner and my son the primary borrower. As seen on documents provided by Capitol one XXXX XXXX XXXX XXXX XXXX TX XXXX. Within a week the loan appeared on my Capitol One account showing me as the primary borrower. This was not what we agreed and signed. The dealer was well aware that I was only the cosigner. When I noticed the mistake I contacted the dealer and thy assured me that it would be taken care of. After nothing was addressed I called Cap one and was told that there was an error and it would be fixed.. This went on over and over a 2 month period. Then Cap one put the blame back on the dealer and the prof that was sent, inc documents proves that Cap one was to blame, probably to make a profit. For the past year I have been working with the XXXX  to try and right this.
Product: Mortgage

I have had a Heloc 2nd Line of Credit for over 10 years with US Bank. In the last few years, I have had some health issues ( all resolved thankfully ) combined with a change of my profession. This has caused some late payments. I was in the process of a loan modification with US Bank where I was simply asking them to review and make changes so that the payments were manageable. DURING THE MODIFICATION, process in the last 10 months, they decided to file an N.O.D. on the loan. This was WITHOUT any type of discussion or forewarning. This happened " 2 days after US Bank requested updated financials, et al, which I immediately provided. '' The next thing I know, I discover that the Notice of Default was again, filed. I was SHOCKED. 

I immediately made arrangements and made the loan current by paying {$13000.00} to cure the loan. 

Now, effective XX/XX/2021, the End of Draw period will occur. This means the payments will go from interest only to Amortized payments which will increase the payments drastically. I have been discussing this fact with US BANK for the last 2-3 months. I was told to apply for a new 2nd loan ... .. I have the loan application completed on the US BANK website, but I have not submitted. They have requested 2-3 simple documents which I have to obtain thru their website. Well, their website does not clearly provide those forms. I have called US BANK to ask questions and get more assistance however their customer service is non-existent. The banker, XXXX XXXX ( XXXX XXXX ) does not answer his phone nor has he returned my 4 voice mail messages. 

It's impossible with my work schedule to constantly call and navigate their system. I have gone to the local branches to get a face to face meeting with somebody in management, however, due to the Covid situation, the brick and mortar locations are not open for communications. They say to go on line. Hence my current situation. 

This is extremely unprofessional. I am a professional and would expect to be treated as such. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

My identity has been stolen and i was able to make a police report on it. i never noticed the following accounts being listed on my report until it was time for me to go ahead and purchase something in my name, I noticed there were 4 repos meaning four vechile were in my name without my knowledge and the lenders that actually approve the suspect to even get the vehicle in my name without my consent or more secuirty information is unhinged. theres accounts reporting in my name that I am not aware of opening.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2033 XXXXXXXX XXXX XXXX inquiry Date XX/XX/XXXX  to run my credit, this information is incorrect.
Product: Debt collection

I checked my account with XXXX XXXX, XXXX, XXXX, XXXX and found debt collections from these companies. 

1. ) Credence Resource Management ( XXXX ) in the amount of {$960.00}. 
2, ) XXXX XXXX in the amount of {$130.00}. 
3. ) XXXX XXXX in the amount of {$560.00}. 
4. ) XXXX XXXX XXXX in the amount of {$590.00}.