23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a new auto loan with Ally financial. Upon attempting to make my first payment which was due XX/XX/XXXX, I was informed that I can not pay online because I have a mortgage with the company, and because of that, their systems do not allow me to pay online. I am reporting Ally Financial, firstly, because they fraudulently opened a mortgage account in my name using the home I purchased in XXXX of XXXX. I XXXX have requested their rates when I was shopping with XXXX for mortgage loans in XXXX ; however, I NEVER opened an account with Ally prior to initiating this car loan with them in XXXX. Further this should not prevent me from being able to pay my car note. I have called Ally Financial 7 times in a span of a week. Each time, I have been passed off to personnel who refuse to help me. I have resorted to calling to make my first car loan payment, which results in me having to pay an additional {$4.00} processing fee. Their employees state that I will continue to have to pay this way or through money order until Ally decides to resolve this. I appreciate any help I can have on this matter.
Product: Money transfer, virtual currency, or money service

I deposited a cashiers check from an accredited credit union into my checking account at Bank of America on XXXX. A hold was placed on this check, which I believe is in direct violation of regulation cc of the Federal Reserve. The bank stated at the time that the funds would not be made available until XXXX. This is also against regulations that state the funds, if withheld, must be made available to a customer after 7 working days. I have spoken with Bank of America representatives twice, and they remain adamant that the cashier 's check could not be guaranteed any earlier. I believe their internal policy goes directly against the stated policies of bank regulators in the U.S.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer re
port.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years. 

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via XXXX different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ). 

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't recieved any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late and also reporting a collection/chargeoff I the amount of {$5200.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of not only lates but a collection/chargeoff on an account with no outstanding balance, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

While reviewing my credit report I noticed an account from XXXX XXXX so A letter dated XX/XX/2018 was sent to XXXX XXXX specifically stating and asking for validation of the debt via Certified mail. XXXX funding did not validate the debt that was asked and only sent a letter with a current balance that's due and an address for the original creditor, but did not validate as was asked in the letter. Attached is the letter that was sent via Certified mail and the agency 's response.
Product: Student loan

I recently received a copy of my credit report from each of the three major bureaus, and it lists each of my eight student loans from  FedLoan Servicing as having a 90-day late payment in XX/XX/2019. In XX/XX/2019, I contacted FedLoan Servicing and requested a forbearance, which was subsequently approved and backdated to show effective as of XX/XX/2019. Upon noticing the late payments reported on my credit reports, I called FedLoan Servicing in order to remedy the situation. I was told by " XXXX '' that even though the forbearance had been approved and backdated, they would not reflect that on my credit report since it had already reported as late. I asked him if FedLoan Servicing no longer considers my payment late for that period of time, why they won't make that consistent, and update that on my credit report. He apologized and told me that it wasn't their practice to do so. I feel this is unfair. The company themselves forgave the payment for the month of XX/XX/2019, but I have EIGHT 90-day late payments on my credit report that they refuse to update. Aren't credit reports supposed to be accurate? To me this shows a clear discrepancy between what was reported and the actual status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US DEPT OF ED/XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$630.00} XXXX {$9900.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX {$8400.00}
Product: Credit reporting or other personal consumer reports

I previously disputed this alleged bankruptcy on my consumer reports and have received responses that the alleged bankruptcy was verified/certified as accurate and complete.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed along with documentation showing who verified and I have not received proper responses. I only received the generic response of verified I have proof that XXXX deleted the public record from my consumer report along with proof from the US bankruptcy court, stating that they do not verify information for credit bureaus.

These credit bureaus are using other sources in an attempt to verify without following proper FCRA guidelines, and I request immediate deletion from all of my consumer reports. 

Please see attached documentation from XXXX and the US bankruptcy court.

I am also aware that CFPB has engaged in in a lawsuit against Experian for not properly investigating and I assume I am part of the consumers which Experian is not properly investing. 

As for XXXX I will assume the same since I have legal documentation showing the bankruptcy has been removed and is not verifiable. 

15 U.S. Code 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Product: Debt collection

XXXX from GE Capital with synchrony bank ( chevron/texaco ) cards called this morning. XXXXThis is 3rd time I have stated we went with freedom debt relief and the account was with them now. He always wants me to pay past due amounts. I asked him again for the third time not to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but Experian indicated something were disputed but I never received information on those items via mail or email. XXXX  indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus as well
Product: Mortgage

XX/XX/XXXX, XXXX purchased my mortgage from Ditech. 

XXXX XXXX, Loss Mitigation Specialist, Shellpoint Mortgage Servicing ( XXXX ) XXXX ( Direct ) In XX/XX/XXXX - I had filed for Bankruptcy, it was approved. I did not include the home in my filing. 

My Mortgage payment has always been {$1100.00} a month. I have never missed one payment! My payments were and continue to be paid through my bank - XXXX. 

I never escrow my taxes and have always paid my property taxes through my bank XXXX as it goes directly to the XXXX County Treasurer. 

Over the past two months, I have received two calls from Shellpoint, called back out of courtesy and get the run around. We can't talk to you! The Bankruptcy Attorney sent the letter in XXXX ( attached ), still Mr. XXXX refuses to speak to me! 

I had requested a Loan Modification, received the packet from the Attorneys Office ( it was not sent to my home ) .. it came late, I notified Shellpoint about it and told them I needed to review it.. Then signed and sent it back. Not hearing from them - I made the first Loan Modification for {$1100.00} on XX/XX/XXXX and have continued to date - UNTIL XXXX emailed me today and said XXXX has refused my payment! 

As stated and can back this up - I have never missed a mortgage payment and can't believe the way this mortgage company works! I work for the XXXX XXXX XXXX XXXX and take calls from consumers about these types of practices! Never thought I would have to deal with it! I am looking to refinance after my bankruptcy clears! 

Shellpoint has made life stressful - just for the fact they play with your mind and leave you guessing! 

This is not the way to do business! 

I am attaching the emails of XX/XX/XXXX through today, and a the same actions another consumer had just gone through with Shellpoint! 

I would appreciate scheduling a call with someone from your office & Mr. XXXX. 

I would like to hear him explain his actions to the Government! 

Thank you XXXX XXXX XXXX
Product: Debt collection

After I legally terminated my car insurance with XXXX, I have received messages from an unknown company asking to further contact them without any disclosure of the XXXX  amount. The Credit Collection Services were notified via text that I have email record that can justify that I terminated the policy with XXXX as of XXXX XXXX. Although the existing policy was due to be expired in XXXX XXXX the new Insurance Career, the effective XXXX XXXX XXXX was effectively taken place as of XXXX XXXX. Then I sent a notification via XXXX to XXXX agent, and later was told the agent was dismissed. 
Thereafter, I spoke to another agent who had documented the fact in order to report it to other representatives with XXXX. The fact of the matter remains a bad faith, regardless of the dismissal of a clerk a client should not be responsible for paper trails. Please reach out to the collection agency to stop harassing me for debt that I do not owe. The company can be reached at XXXX, XXXX, and the RE : # XXXX XXXX regards, XXXX XXXX
Product: Bank account or service

This morning I looked into my bank account to discover I was XXXX dollars overdrafted, and the reason for this was XXXX and XXXX rides. I contacted my bank representatives and was told by the man I spoke to that the reason this happened was because when the service is requested, the money is withdrawn immediately, but then at a later date it is cancelled, then ACTUALLY removed a few days later, so, when I thought I was being careful and making sure all my transactions were going through, they actually were n't. Yesterday I noticed the first overdraft fee ( XXXX dollars ) had been charged to my account and I was alright with that, figuring something like this had happened, but at XXXX dollars I realized something really needed to be done. I do not think I should have to be charged for things that I had been told I have already paid for.
Product: Debt collection

An alarm company install an alarm system with out my permission, someone else sign the contract and it wasent me, i dont know if they sign with my name but since the house is on my name now the collection agency its telling me that am the one that has to pay the money owed wich exceds the {$3000.00}, before the account was sold to the collection agency my mom contact the alarm company and told them that the owener of the house never aprove or sign any contract for them to install the alarm system and they told her that I was the one that was supposed to call and tell them that because the house was on my name, wich is very weird because when they install the system they didnt care if i was there or not or if it was me the one that sign that contract ( wich it wasent me ). When i was talking to the debt collector he hang up on me before i finish talking. I also explain to him that I never sign any contract and he told me that i was responsible because the house is on my name. I ask him that how come when they went to install everything they didnt ask for an ID to verify that it was me and he said that that was not a requirement, than when they go to the houses and someone opens the door for them and give them permission to install the system they go ahead and do it but the ower of the house its responsible, wich i think its very dumb cuz how can i be responsible for something that i didnt aprove. I also explain him why I told my mom to contact the alarm company on my behalf because i work from XXXX to XXXX or later and its hard for me to make phone calls. I dont understan why when my mom call the alarm company to tell them that they need it to go and take all the equipment because i never aprove that, they told her that i was the one that was supposed to call not her because the account was on my name but when they went to install everything they didnt care if the owener of the house in this case me was there to aprove it.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Mortgage

Ive been a mortgage customer at Union Bank for many years. Earlier this year I refinanced within Union Bank under lower percentage. My payments are automatically administered by the XXXX XXXX XXXX monthly. As it happens, Union Bank issues new account number for me, but the payments were going to the old account and I wasnt made aware of it. 
As a result there is a late fee of {$250.00}, again, I wasnt aware of. I sold my house few weeks ago and only then discovered that late fee. The Union Bank customer service supervisor apologized for a mishap of ever assigning me a new account and reversed their late fees. Well, as that late fee was included in the closing cost, the bank never issued the check, that is due to me.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2022 I got a loan from One Main Financial. The next month I canceled the insurance policy that they said I needed to buy and forced on me for {$500.00} and got check for {$470.00}. Now my payments would have been smaller had I not got this but my payments have stayed the same and kept accruing interest for the full length of the loan. I would like to be included in the One Main Financial lawsuit, ,I believe that I was bullied into this insurance and have been paying it all this time. I want to go back to the begining and have this loan never exist and the full price for my vehicle that was taken from ; me and I got {$0.00} dollars for it on my loan.My credit had been damaged because of them.
Product: Credit card or prepaid card

hi i made a payment on my td credit card and for some reason td didnt register it. 
because of this td sent to the credit bureaus ' that there was a missed payment. this is not true. when i reached out to td they agreed to waive the late fees but were not willing to help regarding the incorrect missed payment
Product: Debt collection

I was served a garnishment of debt. The full amount was paid plus an additional amount of over {$500.00} above and beyond the order. Capital one and their attorneys refused to refund the amount owed to me due to the overpayment.