23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am having and still is having issue with the XXXX Credit Bureau for the last two years. I have been told that I have to provide information in order to Requested my credit reports and all I get is nothing. I have sent Experian XXXX the information that was requested in order for me to receive my free annual credit report and I have yet to receive my credit reports from either XXXX of theses agencies. I feel like some XXXX with in these agencies are monitoring my credit report. I also believe that XXXX, Experian and XXXX has been issuing my credit report to somebody else other then me I also have belief that my information is being sold through XXXX and Experian there is no reason why I am being Deny my rights to my free credit report every year. I feel like my EUAL RIGHTS ARE BE VIOLATED AND I PLAN TO TAKE THIS AS FAR as I can I also believe that these company in General has share my information with my employer and several others with out my permission. every time I request my report they come up with that same line that I did n't provide enough information well how much is enough. I had enough!!!! I feel like your company is challenging me to legal battle see I only see what I think you are doing and I am aware as long as negative marks remain you are less likely to obtain fair market rates also I understand you carless because its big business for the Credit Bureau to deny you a report then because you need it you will pay for it is the thought I believe
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report through XXXX XXXX XXXX XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXXXXXX XXXX  XXXX- The account number XXXX associated with XXXXXXXX XXXX XXXXXXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Ally Auto Fiancial ( Auto Loan ) This is my second vehicle financed by Ally Auto. The previous vehicle was a XXXX XXXX, which I paid off before time in full ; hence Im a good customer. 
Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on XX/XX/XXXX. I was assured that I would not be paying any interest etc., till the end of XX/XX/XXXX. 
However, I received an email from Ally in early XX/XX/XXXX that I was late in payment. Then, on XX/XX/XXXX, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I was told by one representative on phone you are from XXXX, why are you in the USA. ( Im a proud US Citizen ) I called a few more times to work something out with Ally auto, but every time was placed on hold, endlessly. 
Ally auto never called me back or replied to my emails to work out a payment plan or a fair resolution. I believe I have been treated unfairly inspite of having an excellent paying history. 
Ally Financial is also unfairly sending a negative report to credit bureaus. 
I am requesting that Ally Auto cancel my payments for a couple of months and retract any negative report sent and work out a payment plan. 
Im hoping that this can be resolved in a mutually agreeable term. Ally financial called today ( XX/XX/XXXX ) and threatened to repossess the car and ruin my credit history. I believe I am a victim of Ally Auto 's predatory business practices, discrimination and bias. 
I'm being forced to pay inspite of promises made by Ally Financial without making any current concessions due to COVID-19 pandemic. 
Thank You for your help! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and my information was also released in multiple breaches. I also was a victim of the Equifax Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So Equifax is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against Equifax. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with XXXX and XXXX. With XXXX acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.
Product: Credit reporting

I have two issues with report. 

1. This is a student loan collection/rehabilitation account with performant recovery which is open and I make monthly payments to rehabilitate the loan but I have disputed the account and they are reporting it as closed derogatory. The account is open. 

2. The original loan was opened with XXXX ( XXXX ) When the loan defaulted, there was a XXXX balance transfered to Collection and a new collection account was opened on the credit report also labeled XXXX. Not only does it look like I 've defaulted on XXXX loans, my credit reports show XXXX in debt, which is clearly inaccurate.
Product: Mortgage

XXXX XXXX 2015 : Mortgage loan was issued by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX 2015 : XXXX sent me a Notification of Assignment, Sale or Transfer of Your Mortgage Loan, saying the servicer of your mortgage loan is CMC funding INC ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FI XXXX ). Transfer effective XXXX/XXXX/2015. 

XXXX XXXX 2015 : XXXX, the XXXX bank sent a letter stating that the XXXX XXXX, 2015 payment should be made to XXXX and XXXX XXXX, 2015 payment to CMC. 

XXXX XXXX 2015 : received XXXX letters from CMC ( conveniently backdated XX/XX/XXXX and XX/XX/XXXX ), the XXXX bank stating that the XXXX XXXX 2015 payment should be made to CMC. This was my first letter from CMC, received 3 days before the alleged due date. 

I called CMC, spoke with XXXX, agent number XXXX, who said the issue will have to be sent to a research specialist, expected return call time XXXX XXXX. I was told I could rely on the " grace period '' under RESPA in the meantime, while they determined where the payment should be made. This is not a satisfactory answer because the CMC bill threatens a late fee of {$52.00}.
Product: Debt collection

A person called me claiming that were collecting a debt from XXXX and that they worked for a company called XXXX, which when I search it is a clothing company, and called from a number that when I searched it did not show a name of a company. The number is XXXX XXXX. 

They threatened to serve with me lawsuit papers if I did not pay them the amount owed of {$820.00} today., They stated that they knew where I worked and what day I get paid. 

Very threatening and abusive
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan through the Credit Karma app that CK guaranteed I would be approved for. I was denied the loan, therefore eligible for the CK Guarantee {$50.00} payout. Not only did I not receive the payment, but the denial was reported to the credit bureaus and have now affected my credit. I have reached out to Credit Karma multiple times about this, and they have only responded once saying they needed proof from the company that the loan was denied and that it was applied for through the CK app. That info was sent to them by myself and the loan company ( XXXX XXXX ) and they are now ignoring all emails regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I was 30 days late on a {$5.00} kohls credit bill. I receive no paper bills for this credit card or email bills. I was unaware I owed a balance. They reported me delinquent and I had excellent credit. I have no history of late payments. kohls said they are unable to fix this problem and XXXX XXXX considered that 30 day late " delinquent '' I never made it to 60 days past and payed the bill in full. I would never purposely be late on a payment and this destroyed my credit score dropping it 50 points. Help!
Product: Student loan

Navient is misapplying payments and claiming past due balances plus adding fees to the past due amount even though all of my payments have exceeded the minimums due and have been paid by the due date. 
Examples : XXXX Statement : Total Payment Due : XXXX by XX/XX/2021 XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including a past due amount of XXXX and a fee of XXXX XXXX Statement : Payments since last bill : XXXX ( actual payment XXXX on Mon, XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including no past due amount or fees XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including past due amount of XXXX and fees of XXXX. ( XXXX scheduled to be paid on XX/XX/XXXX ) This has been an ongoing issue with which I have spent hours on the phone with Navient trying to resolve. The last representative I spoke with understood the issue, empathized with it and raised an internal audit request. All other conversations have been met with defensiveness and excuses.
Product: Money transfer, virtual currency, or money service

I have nearly {$100000.00} stuck in my Coinbase account. Customer service has been very poor, literally no existent. Now Im facing hardship due to not being able to access my account.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion XXXX paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that XXXX  AS isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has XXXX XXXX XXXXXXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX  AS pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain
Product: Mortgage

US Bank bought out my mortgage XX/XX/2019. They keep messing up my payments. I send automated payments from my bank. I also send additional money every month from my bank, as much/when I am capable, clearly marked principal only. US Bank kept applying the check marked principal only to both interest AND principal, and I had to call them every month, to get them to not do that even though the check is clearly marked. US Bank told me I needed to use THEIR automated system and not my banks, or I needed to go in person to a US Bank, to prevent this from happening. I told them that if a check is clearly marked " principal only '' I should not have to call them to fix it, use their online system, or go to their bank in person, to get them to apply it to " principal only ''. After several months of my having to call them every month to get them to properly apply funds clearly marked 'principal only ' to just my principal and not interest, a manager told me he found a way to fix the online system. Unfortunately his fix made it so that EVERY subsequent payment was applied to ONLY principal and thus my standard monthly mortgage payment was not being applied to the required interest and I was being marked as late. Thus, I had to keep calling every month to get them to note my monthly mortgage payments were in fact received ( despite being 10s of thousands of dollars ahead in payment ). I am again told my only solutions are to go to US Banks in person, or to use the US Bank online system and not my own bank. I have wasted 1-2 hours of my life, and stress, every single month since US Bank took over my loan in XX/XX/2019. I wish they did not own my loan.
Product: Credit reporting or other personal consumer reports

My credit score has been drastically impacted by a fraudulent account that has appeared on my report. This account was opened without my knowledge, creating an inaccurate picture of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a small personal loan at XXXX XXXX today XX/XX/2020 and sadly I was not approved because apparently there are some accounts reflecting badly on my credit report. The accounts are from several different companies all of which I do not have any contract or agreement with. The accounts listed on this report do not belong to me nor did I benefit anything from them being opened in my name such as money, goods, services or any other benefit. I also did not make any payments towards these accounts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b2. The XXXXebt Recovery Solutions Company also has NO permission to report ANYTHING using my info. pursuant to 15USC 1681 4.

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 deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of 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 by me as the consumer : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX You are required to do what I am asking and block these transactions from being reported to m consumer report within four days from the date of the receipt of this notice. I look forward to your response. 
Thank you.
Product: Debt collection

Central Kentucky Management Services , Inc, stated I owed {$80.00} I call them and told them that I am bankruptcy and was surprised that XXXX turn me over to collections because I was on a payment plan through them, and was not notified about it until Central Kentucky Management Services
Product: Mortgage

1. county taxes went up. 
2. insurance went up. 

escrowed mortgage payments went DOWN (??? ), and since I 've dealt with ocwen they have yet to actually service my mortgage, I service my mortgage through ocwen who tries to steal my home by hook or by crook. 

PLEASE SHUT OCWEN DOWN. 

I 've submitted an escrow analysis, but without help from CFPD & the states attorney general, I 'm dead in the water. ( meaning I have n't the 40+ hours in a month for XXXX XXXX XXXX & the fear of losing my house & incompetent service representatives. )
Product: Credit reporting or other personal consumer reports

I knew about Onemain to pull my credit report one time but not the two other times I saw that it was reported three times in a row
Product: Mortgage

Last Thursday I realized my bank double paid my mortgage. I called the servicer, pennymac on Friday morning and they told me they could not get the money back to me for over a week and could only do it by check in the mail. I protested this and was told they would XXXX  it to me ( only after I threatened to notify the cfpb ). Well, they didnt send it. Monday they created a label and today they may potentially send it. The supervisor was unhelpful and told me there was no possible way to wire me the money. She repeatedly said that if I would have used their website to make the payment they could have sent it electronically but since I sent the payment in they cant. After struggling to help them understand my urgency she is going to get me to a manager. This has taken me 90 minutes! In the end she said I would stay on the line for a 2 question survey. She then disconnected the call so I would not receive the survey.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX CO 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Gave a car back which was a lemon surrender the car was told it wouldnt affect my credit paid loan off in a settlement XXXX credit acceptance told me it would be remove still on credit as closed account but need to be REMOVE off credit report really effecting my credit but I paid off loan
Product: Vehicle loan or lease

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

BRIDGECREST XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding this issue with Equifax. The first time they responded by saying the issue would be resolved and it has not. Yet again, instead of REMOVING the fraud alert, they put one it as stated in an email I received. And once again, when I call, I get " Oh, we can't verify your identity based on the security questions '', but those questions are asked in a way that I honestly can't remember the answers! Which leads to me having to send in documents which I have done twice just to be run around in circles and end up filing a complaint. I am sick of dealing with the people at Equifax and wish they would just REMOVE the alert from my report ASAP!!! And I DO NOT want to hear them say anything about verifying my identity through documents because I've done that already! Thank you.