23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

over the last 11 months I have made various payments and specifically requested that they go towards PRINCIPAL ONLY. The lender Ally bank has refused to comply and gives me the extreme run around. Keeping on the phone for 20-30 min, telling me a supervisor will call back and they never do. My current balance is listed as XXXX when it should only be around XXXX. Which is what the issue has been incorrectly applying my money where I want and need it to go. I should n't have to go round and round with XXXX reps over less than a 7 day time frame
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting an account on my credit report as a delinquent negative account. I settled the account in full and this account should completely be removed from my credit file or reflect " settled in full. The forementioned reporting agencies are reporting this debt as charged off debt when the debt has been settled in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a car and my credit was ran multiple times to lenders that I did not authorize to use. PLEASE REMOVE 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 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: Debt collection

ClearSpring Loan Servicing of XXXX, Texas has been calling me over a defaulted mortgage debt. They claim I owe them around XXXX. I asked to see in writing how did they come up with that amount and the collection representative told me that her legal advisor said it was illegal to provide me with such information. I 'm the consumer and it 's illegal to provide me with information about my loan???? That does n't make any sense. All they were willing to provide was a copy of the original mortgage contract that I signed years ago. The contract does n't advise me of the amount that is still owed after a few years of payments. I also believe the statue of limitations is up. I need to see proof that I owe the amount that they are stating, how did they come up with that number? To me that 's like walking in a store and the cashier asking me to pay a certain amount without telling me how much something is. ClearSpring Loan Servicing should be able to prove I owe the amount they say I owe. If they are unable to provide proof, they need to stop calling me and remove the debt from my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 XXXXXXXX XXXX 

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. 



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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 XXXXXXXX XXXX 

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 am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. I demand that you remove these fraudulent accounts from my report : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was filed with credit reporting agencies on XX/XX/2023 for incorrect 30-day past due reporting for XXXX XXXX. We use online banking with bill pay service. We also receive ebills through our online banking for this creditor and have it setup so that our online banking automatically pays this account by due date listed on ebill. Historically, creditor deposits bill payments within 0-5 days of payment date and credits our account as of payment due date. Creditor failed to timely credit bill pay payment sent via online banking bill pay dated XX/XX/2023. Creditor did not enter bill pay payment until XX/XX/2023. Due to this, XXXX XXXX then initiated a XXXX past due record on credit report. I have records backing their historical and current payment application records showing that bill payments have been deposited within 0-5 days of date of bill pay and credited to our consumer account by due date.
Product: Credit reporting or other personal consumer reports

Please see attachments for dispute letter, proof of identity, and proof of accounts being deleted from XXXX. Both XXXX and XXXX have deleted the following accounts : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), when a collection account is removed or updated by one of the consumer reporting agencies, it is required to be removed or corrected across all three major credit reporting agencies. This includes Equifax. Your companys internal policies do not supersede federal law, and consumer protections granted under the FCRA take precedence.

Consumers are entitled to a fair and accurate credit report that reflects consistent and updated information across all three credit bureaus. It is unlawful for Equifax to continue reporting outdated or inaccurate information simply because your agency has not yet updated its records. It is not only misleading but also a violation of my rights as a consumer.

Therefore, I demand that you promptly delete the following accounts immediately as my rights to an accurate and fair report have been violated by your company 's failure to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - XXXX. XXXX XXXX XXXX XXXX. Alliant Credit Union XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was very disturbing as I am not aware of any of these enquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Corporations, EQUIFAX XXXX, XXXX XXXX, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR AS BEAT IN A FEDERAL COURT OF LAW! I WILL NO MEASURE TO NOT CUT YOUR COMPANIES INTO FRIGHTENING LITTLE PIECES AND HAVE NOT ONLY YOUR FAMILY LOOKING AT YOU IN HORROR AND DISBELIEF WHILE I THE ORIGINAL " ALLEGED CONSUMER '' THROUGHLY THROWS WHATS LEFT OF YOU ACROSS YOUR CREDIT REPORTS AND SQUEEZE WHAT'S LEFT OF YOUR COMPANIES ACROSS WHAT LEFT OF YOUR LYING CORPATIONS NAMESAKES. I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! One cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!
Product: Mortgage

I understand the XX/XX/XXXX payment for XXXX was returned, because it was not a payment, On XX/XX/XXXX i talked to a rep at CHASE bank he keep asking do you want me to run this payment i said no, this payment is posted for next month not today he could not get it in his head so i talked to case manager her name is Miss XXXX and she said it was canceled but it wasn't. but i did make a payment in XX/XX/XXXX. so the payment for XX/XX/XXXX that was removed should have never been removed because i made a payment in XX/XX/XXXX if i could download my payment history i show it was made. At one point XXXX XXXX said i owed for XX/XX/2018 after several bank statements i think she got it. Every payment was made but XX/XX/XXXX and XX/XX/XXXX, each payment falls behind one so i was behind XX/XX/XXXX and XX/XX/2018 yes they was a return of XXXX in XX/XX/2018. i understand that, this is my payment break down and i can furnish more documents and bank statements and CHASE can go to phone conversation onXX/XX/XXXX and see i canceled that payment for the following month because the rep could not get it right. in XX/XX/2018 i made two payments XXXX and XXXX that went to XX/XX/XXXX  payment, then XX/XX/XXXX payment got returned to me because of change in banking information. then i made a payment in XX/XX/XXXX that went XX/XX/XXXX then i made payment in XX/XX/XXXX that went to XX/XX/XXXX, then i made a two payments in XX/XX/XXXXl that went to XX/XX/XXXX and XX/XX/XXXX, then in XX/XX/XXXX i made payment that went to XX/XX/XXXX with money in suspense to cover parcel payment in XX/XX/XXXX i talked to rep on XX/XX/XXXX at CHASE bank he said i owed as to date XXXX but i had some more in suspense that has not been added. i don't see the problem, the problem i can see the payment being removed from XX/XX/2018 over a mistake a rep from Chase made not me, but a payment was made in XX/XX/XXXX and should be replaced for XX/XX/XXXX,, Chase can talk to Miss XXXX case worker and listen to phone recording and the one in XX/XX/XXXX i don't understand the reason this is not being correctly made to my account, the month i owe for is parcel payment is XX/XX/XXXX i like FHA to look my account over
Product: Student loan

XX/XX/XXXX - began sending secure messages through my account portal on Mohela 's website asking for the status of my application for the limited XXXX waiver. 

XX/XX/XXXX- sent another message same as above. 

XXXX/XXXX/XXXX - sent another message same as above __ STILL HAVE RECEIVED NO RESPONSE___ XX/XX/XXXX - tried calling Mohela customer service more than XXXX over a XXXX hour period. Spent XXXX hours on hold at XXXX point. Nothing. 

No response from company. Can not find out if my application is with them or if I will miss out on the limited PSLF waiver which is due by XX/XX/XXXX. This company is absolutely ignoring customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$8900.00}
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to formally dispute inaccurate and incomplete credit information that is currently included in my credit report. I am distressed by the presence of this information, and it appears that the bureau has failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports published. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, and every effort must be made to ensure the accuracy and correctness of the reported information. The information listed is entirely inaccurate and incomplete, constituting a serious error in the reporting. I request the immediate deletion of this misleading information and the provision of a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes, in accordance with FCRA 15 USC 1681. Failing to provide such evidence, the items must be promptly deleted from my credit report : BXXXX 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: Bank account or service

Navy Federal Credit union preauthorized transactions that closed my account. 
Today as of XXXX/XXXX/2016 I went into the Navy Federal Credit Union to cash a check from another account holder and they refused to cash the check when I am not an account holder by announcing my name so loudly I was embarrassed and stated they would not cash a check from any account holders which was not my account due to in past 6 years or more allow preauthorization transactions to over drawn account ; closed account 6 or more years. I only had bank check from another consumer written to me from their account to cash.
Product: Bank account or service

My joint checking account with Wells Fargo was overdrawn and I made a transfer from XXXX account to another which posted to my joint account on XX/XX/XXXX. They charged me XXXX overdraft fee of {$35.00} each for XXXX transactions stating that they overdrafted on XX/XX/XXXX. However, using my online banking account and looking at my joint checking account it shows that all XXXX transactions in question did not post to my account until XX/XX/XXXX which is the same day that my deposit posted and my deposit is posted immediately because it was just transferred from my husbands account into our joint checking account with the same bank. Put they want to tell me that XXXX checks and an electronic payment posted on XX/XX/XXXX and my online account detail show they posted on XX/XX/XXXX. Here is the proof directly copied from my online banking account detail XX/XX/2016 ONLINE TRANSFER FROM XXXX CHECKING XXXX REF # XXXX ON XX/XX/2016 {$1500.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$100.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$140.00} XXXX RETRY PYMT XXXX XXXX XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$50.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 XXXX XXXX PYMT XXXX XXXX {$140.00} Collapse XX/XX/2016 CHECK # XXXX image {$100.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written Collapse XX/XX/2016 CHECK # XXXX image {$50.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written And now where on my online account does it even show any transactions of XXXX. The next transaction that shows on my account was on XX/XX/XXXX. And the notification they send via online banking in which I can not copy states that the above transactions were paid on XX/XX/XXXX, if they had been paid on XX/XX/XXXX then they would 've posted to my account on XX/XX/XXXX as they always have before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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: Consumer Loan

I took out a loan in XX/XX/XXXX for {$15000.00}. I recently called back on the XX/XX/XXXX for a pay off qoute in which I paid. I never received a letter stating that the loan was paid in full, when I called about this I was told that I own more money. When I ask how much is still owed ot ask for an explination., I am told to call XXXX at XXXX but no one ever answers. This practive is simple extortion and a volation of the Fair Credit and Lending act. I also had to report this loan company before for turning mr into collections when the loan was NOT in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2018 to make an inquiry for account # XXXX ( XXXX XXXX   XXXX XXXX ) as it reflects on all 3 of my credit reports, I spoke with a XXXX XXXX   representative to obtain information on the account and was informed that no information was found for account. XXXX XXXX indicated the account may have been placed with their collection department and was forwarded to " XXXX XXXX XXXX '' which also informed me that no information for account # XXXX was found. 

I mailed a letter to XXXX XXXX  on XX/XX/18 by first class mail XXXX to follow up and request that the account be removed since no information for the account was verified or provided by either XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I disputed the account with all 3 credit reporting agencies on XX/XX/18 and received results from TransUnion which had failed to investigate XXXX XXXX XXXX XXXX # XXXX and continues to report the aforementioned trade-line without 'proper verification '.
Product: Mortgage

My mortgage was sold to USXXXX Bank XX/XX/XXXX and I have been paying my mortgage on time every month. When my insurance payment was due in XX/XX/XXXX, XXXX Bank paid the insurance bill twice out of my escrow. ( The amount is {$450.00} x XXXX so the total paid was {$900.00} ). I noticed this because my homeowners insurance company sent me a bill mid XXXX stating my payment was due and when I went to my portal for the bank, I noticed there was a deduction twice for the XXXX insurance. Once on XX/XX/XXXX and then again on XX/XX/XXXX. After speaking to USXXXX  Bank in XXXX, they stated the first check was some type of fraud and they had to investigate it. I called several times and spoke to several people because my concern was after my taxes were paid in XXXX, my escrow was going to be short and I did not want to have them telling me my mortgage payment was going to go up. They told me everything should be fixed by then. We spoke to the XXXXXXXX XXXX XXXX and they only received XXXX of the checks ( the XXXX dated XX/XX/XXXX ). Apparently this was a group check of over {$50000.00} that encompasses other people as well ( the first one that is fraud ). I asked the bank how was I going to be made whole in this process because in XXXX what did I get? An escrow analysis stating my escrow was short {$390.00} and I needed to pay this or my mortgage would increase on XX/XX/XXXX. First, the insurance payment should not have been sent twice. Now that it has, the insurance department explained to the escrow department that they are investigating the first check, the escrow area says well until we get the funds back, her mortgage will increase. That is unfair to me and everyone is blaming someone else when at the end of the day, if a fraud check is being investigated and is affecting my escrow, that should be corrected now. They can communicate with each other to see there was something internal that messed up my escrow. On XX/XX/XXXX it was escalated to the complaint department and when I called today on XX/XX/XXXX for the status, they just started looking at it on XX/XX/XXXX and this is not fair to me as a consumer who pays my mortgage on time. No one cares because this is not affecting them. I was also told today on XX/XX/XXXX that this could take up to 8 months to figure out what happened with the check and meanwhile I am being affected by this. I have been calling about this since mid XXXX and it is over 60 days and I can't get any information except my mortgage will increase unless this underpayment is paid which is not an underpayment, but an internal error caused by the bank that is not my fault.