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

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I perceived that some accounts are still incorrect, with verified status. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX XXXX XXXX Balance {$8300.00} Date Opened XX/XX/2014 2014
Product: Debt collection

After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I report fraud on my XXXX XXXX XXXX  ; Investigation was initiated. They cancelled old card, issued new card ; and waived the fraud charges ( see copy of email uploaded ). I have sent two certified letters now to XXXX credit Bureau to correct that information and a third letter being sent tomorrow XX/XX/XXXX but they correct it and then a week or so later they deduct my points referencing the same fraudulent credit card. I have sent them activity summary provided by XXXX ( see uploaded copy ), but again they have not addressed that issue.
Product: Checking or savings account

I opened a new account at Ally Bank. I needed to make a car payment through my old bank. My intent was to send money ( {$300.00} ) to my girlfriend via XXXX and have her send it to my old account. XXXX has always been instant, but after three days, my girlfriend still has not received the payment. I moved cash to my old account and paid that way. Now, I made a XXXXXXXX XXXX in 4 payment with the same checking account for XXXX dollars. One came out at XXXX XXXX on XX/XX/XXXX. It came out again today, XX/XX/XXXX also at XXXXXXXX XXXX. I only have one transaction showing in XXXX but two debits in my checking account for that amount. Ally has not responded to my complaints about either issue. It hasn't been that long but I have {$450.00} that I do not have access to currently because of this. 

Ally also claims that they do not see a record of *any* transaction from XXXX in this amount. In the attached screenclip, the payment from the XXXX is the one that is in my XXXX history. The one from the XXXX is the one that is unaccounted for. Again, the Ally agents claim there is no record of either in my account.
Product: Credit reporting or other personal consumer reports

15 U.S.C code 1681s-2 ( 5 ) This late payment is to be removed from my credit report immediately, I have also notice that the date of the last payment is reported inaccurately on both XXXX and XXXX reporting XXXX different dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural human being and I have rights under 15 USC 1681. TransUnion is govern by 15 USC 1681. And they have violated my consumer rights multiple times. I demand the accounts listed here are modified, reversed from late status and updated to Paid as Agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX, XXXX The credit bureaus are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Product: Debt collection

XXXX, XXXX, and TransUnion all have an account my cy credit report that shouldnt be there, an account from XXXX XXXX XXXX for the amount of {$500.00}. On XX/XX/2023, I paid directly to XXXX XXXX XXXX. I tried to dispute through all XXXX credit bureaus and the results where all the same nothing changed. If an investigation actually happened, a simple phone call wouldve fixed all this. Ive exhausted all options. I have the receipt and I would like this removed from my report, from all XXXX bureaus.
Product: Mortgage

The company is penalizing me for pay a mortgage payment early and now they are holding up my refinance. This is current happening.
Product: Mortgage

On XX/XX/2023 I requested an updated escrow analysis due to my mortgage payments escalating dramatically from approximately {$3200.00} to approximately {$5200.00} dollars. I indicated that I would like to resolve the escrow shortage in one payment and return to the lower monthly mortgage payment. I indicated that the increased loan amount could cause me to lose my home and it was unreasonably for the loan to increase so dramatically. 

I was told orally, over the telephone on XX/XX/XXXX by case manager that the escrow analysis was in progress, and finally I was orally told by the same case manager that it had been completed. The escrow shortage amount provided to me orally over the telephone by my case manager was {$15000.00} ( approx ), of which {$10000.00} was considered a ( shortage ) and the remaining balance a " cushion ''. I asked to be provided this information in writing, with a final payment amount so I may settle the balance and resume my lower mortgage payments. Additionally, I noted that by law the cushion amount is only allowed to be XXXX of the overall annual payments ( escrow and insurance ), and could they please provide an explanation as to why my " cushion ''. which is supposed to be approx. {$2300.00}, is {$4200.00} ( based on the oral information provided ). 

I asked the company to provide me the escrow analysis statement, and final payment amount in writing again on XX/XX/2023. 

In short and to summarize, - I was told I would receive the final escrow analysis statement by XX/XX/XXXX - XXXX XX/XX/XXXX, I was told the statement was delayed and it would arrive by XXXX XXXX On XX/XX/2023 I contacted my loan servicer and requested to speak with a supervisor or someone in the escrow department. I was told my case manager would contact me in 24-48hrs, and that I could not speak to the escrow department directly. 

The mortgage is serviced by XXXX/Lakeview Servicing XXXX
Product: Checking or savings account

Good Afternoon, I bank with Wells Fargo and have no protection whatsoever on my checking account. An individual sent me money via XXXX XXXX. The individual went to his bank after sending the money and opened a fraud claim. The individuals bank approved the claim and took {$150.00} from XXXX XXXX, and then XXXX XXXX turned around and withdrew {$150.00} from my account. There was no notice of any kind from Wells Fargo. XXXX XXXX just helped themselves to my account as if it were their account. Where is the protection?? Why can a third party just have unlimited access to my account? That is inappropriate and when filing a dispute, I was told that I would not get my money back. Please note that Wells Fargo does not even investigate!
Product: Credit card

On XX/XX/year> I received a letter from First National Bank of Omaha regarding my XXXX  Visa Signature card stating that on XX/XX/XXXX I will receive a charge of {$1.00} per month for my monthly statement unless I sign up for paperless statements. Since I do not trust the internet to keep my information secure and never have any of our personal information or banking info. on the internet unless my provider does so internally, I do not want to sign up for this paperless banking. 
I, however, do not want to pay a fee for something that all other companies I deal with provide as a matter of course. 
I responded to them on XX/XX/XXXX with an e-mail stating that FBNO was putting my account in jeopardy of being compromised by hackers and that if it is, what is their penalty for coercing me to sign up for paperless.

I told FBNO that I was contacting my Senators, Congressman and others about this policy that I consider to be illegal. 
I have sent letters with all the information to these individuals and would have sent it to you but it seems that this website is the only I can voice my complaint. 
I have yet to see a reply from FNBO and have signed up for this service to save almost {$24.00} per year. I will cancel this paperless authorization immediately should you find this coercive charge to be illegal.
Product: Checking or savings account

My name is XXXX XXXX. I first opened the account towards the beginning of this year. Since then, Ive had to change my email, phone numbers and password due to not remembering. I was incarcerated from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed someone to access my account due to the fact that I was incarcerated. I decided to give my sister XXXX XXXX POA for financials. She came, I signed and it was filed at the court house. She did get access XXXX XXXX ( Approximately ) She sent me money ( {$300.00} ) and put money on the phone. She then decided to move the majority of the remaining balance to an account with XXXX  XXXX XXXX she was using for.me. That alerted chime of fraud. My sister sent all documents that was asked of her. That didn't work. I got released and contacted chime my self. We went in to XXXX XXXX XXXXXXXX with an appointment asking about the form they were asking for. They advised us that no banks bank statement contains the entire debit card number to protect their customers from potential fraud. Instead they brought up her account and printed the screen showing that debit card was hers. I opened this account strictly for my monthly XXXX payments. I contacted XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My sister and I have sent approximately XXXX emails back and forth. Everytime we send the correct documents, they ask for different ones. Now we're at a point that the bank it's self doesn't offer. I have contacted chime, advise they of this but, there comment is there specially team will contact by email then again ask for same document.
Product: Mortgage

I have, in the past, applied for mortgage modifications with Bank of America On numerous occasions since XXXX only to be denied. I recently paid close to 12k in cash in approximately XXXX of this year to pay down my balance and have a final balance of {$3400.00}. I have missed XXXX and XXXX payments due to unexpectedly replacing my roof and emergency repairs to my heating system. My tenant also broke a lease unexpectedly and moved in XXXX. I have called Bank of America and  requested a workout plan k my to again be denied so that they can push me into foreclosure and attempt to take my home for a mortgage balance of less than {$4000.00}. They refuse to provide phone numbers for the Presidents office to provide assistance and allude to the fact that they can start foreclosure proceedi vs at any time over a {$3400.00} balance. I have assured them I can make full payment of my regular mortgage in XX/XX/XXXX if the government does not shut down as I am a government employee which wou.d reduce my mortgage balance to under {$3000.00} but XXXX and Supervisor XXXX Had an said adamtly no there is nothing they can do. BOA has repeatedly denied my modification requests in the past by saying my income is insufficient but it strange that I have made my mortgage payments in excess of 23 years as well as paid them a lump sum of {$12000.00} towards the principle in XXXX/XXXX of this year. This proves outright that BOA is consistently trying to take my home to profit from it and offering no assistance on a {$3300.00} mortgage balance that would be paid off over a period of maybe 3 months. I believe they are committing consumer fraud by not acting in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Bureau, and Capital One continues to not report correctly for Capital One x XXXX XX/XX/2018 showing 1 month late. It was never late, and I need it corrected. 
I have called Capital One, they have no archival files, can't reach a credit contact and XXXX  is someplace else and keeps trying to verifty never gets corrected I need it corrected as Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by XXXX XXXX XXXX to open up a credit card. On XX/XX/XXXX my credit was ran by Amex for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.
Product: Mortgage

My loan with XXXX lending was sold to XXXX serviced by XXXX. I had auto draft set up on my account. When it was sold they did not clearly state to do nothing and that my autodraft would be transferred. Instead they informed me of where to make payments as of XXXX date. I was worried about getting a late payment as a result of the transfer and set up a bill pay from my account. They transferred my autopay resulting in XXXX double payments. When I discovered the double payment I contacted XXXX. They stated I had to file a claim on line. I filed the claim online with no response. I called again after finding out a second double payment went through. When I called again they stated that showing the double payment on my payment history reports from XXXX was not enough. I had to provide a copy of my actual bank statements proving the money came out of my account. I told them this does not seem right and was a violation of my privacy as they would see all of my account activity ( debits and credits ). They would not accept a blacked out copy only showing the withdraws pertinent to this issue. They said they had to see my beginning and ending balances and how that trued up. Mind you their own payment history showed the payments being made. On top of it all, they said when they received the bank statements they would after XXXX days mail a hard paper check. I asked if I could authorize an electronic deposit to my account and they said they could not. Clearly this is so they can hold other people 's money for longer periods of time to accrue the interest, even XXXX ( the retail store ) can issue a credit. The gentleman XXXX badge # XXXX was nice but said he could only follow policy.
Product: Student loan

In XXXX I received my XXXX XXXX XXXX from XXXX University in XXXX North Carolina. As of today, XX/XX/XXXX I have a student loan balance of {$97000.00}!! I would like to know how an XXXX XXXX XXXX from anywhere has the same debt as a XXXX scholar??? Not downplaying an XXXX XXXX XXXX because I'm glad to have it, but in some high schools this program is offered. There's no way I should have a debt of {$97000.00} for an XXXX XXXX XXXX from XXXX University, for that matter anywhere! I live in North Carolina I feel that navient has taken advantage of the interest payments on my student loan. When I was applying for these loans on campus with assistance from the staff of XXXX University, I stated to them that I had never been to college before and did not I understand the loan process. They sat beside me and assisted me in clicking different loans as I was unaware what I was doing.
Product: Credit card or prepaid card

I have been with American Express credit card for at least 10 years in all this time I've made my payments on time except for this past few months since I lost my job and was late 3 times, 2 of which was 1 day late. They now charged me a {$27.00} late fee and raised my mininum due payment from {$35.00} to {$62.00}. They told me they would put me on a payment plan of {$16.00} a month but close my account which is already closed since it was issued through XXXX & I no longer wanted to pay the {$50.00} annual fee. But this would harm my credit.
Product: Credit card

My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation. 

Thank You
Product: Credit reporting or other personal consumer reports

please remove the following incorrect info from my credit report : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment Information : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A large payment ( {$10000.00} ) was made to Pentagon Federal Credit Union that they acknowledge receipt of on XX/XX/2021. As of today, XX/XX/2021, they have not credited to the payment to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX and XXXX about late payments on my account. I pay all my accounts onetime and was never late. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. My accounts are not to be shown late because these 3 accounts are open deeded credit plans. Also there are multiple inaccuracies on these 3 accounts. This is fraud because the law says that my accounts are not to be shown late and there are a lot of inaccuracies on these accounts.
Product: Credit reporting or other personal consumer reports

My credit score was stable at around XXXX for a long time. In XX/XX/XXXX I filed a dispute with XXXXXXXX XXXX XXXX XXXX regarding a defective item I purchased for just over {$XXXX}. Since XXXX could not find the order number, the dispute was found in my favor and XXXX said that they made no remark that should have affected my credit score. My credit score on XXXX XXXX went down to XXXX for no justifiable reason. There is no place online to file a complaint about credit scores with Equifax. Equifax has a note online that credit scores can not be disputed. I called Equifax on XX/XX/XXXX to inquire about the drop from XXXX to XXXX on my credit score. The agent told me that the score would be recalculated monthly. She would not answer me as to why there was a huge drop. The agent then asked me if I wanted to buy products from Equifax, repeatedly. I repeatedly answered, " How much does it cost? '' The agent never answered. She chuckled ( laughed ) at one point. I told her that I was going to hang up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had closed down the account that I had with them after I paid off the card, but they reactivated the account without my permission, and also reported on my credit.
Product: Debt collection

I DO NOT HAVE A CONTRACT WITH SENTRY CREDIT NOR DO I HAVE ANY CONTRACTS WITH XXXX XXXX. Show me a contract bearing my signature as validation and competent evidence that I have some contractual obligation to pay you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Equifax today to ask why a new inquire from XXXX appeared on my credit report when there is supposed to be a freeze to stop anyone from accessing my report. Someone tried to get credit. After asking to have the item removed because of fraud and to have a special word/code to protect against accessing my report by anyone, I got the run around. I asked Equifax to transfer me over to the Fraud department but twice the call was ironically disconnected.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get them to correct the false reports that XXXX XXXX is putting on my name is already sent them the proof needed I won't send it again the company XXXX letting XXXX report a collection and state it's from acount started in XXXX however they don't give the paymentbhistorwy for that time I closed this acount in XX/XX/XXXX and I was billed after closer for service XXXX was not authorized or even on
Product: Student loan

I applied for private student loan forgiveness XX/XX/year> and almost two months later the company ( navient ) denied my application with no reasons as to why I was denied.