23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a mail in promotion to open a XXXX checking account In XX/XX/year>. I then took the promotional mailer into the branch and opened an account. I met all the terms and conditions stated in the pictures attached to this report. I have contacted the bank multiple times and they have ignored my messages.
Product: Debt collection

Please remove this collection inquire off of my credit report. I did not authorize these creditors to run my credit.
Product: Payday loan, title loan, or personal loan

Loan provided was for {$3800.00}, total loan payment is close to {$12000.00}. I already paid {$4800.00}, I called the company in XXXX to discuss a pay off amount, which I was willing to do by paying an additional {$1500.00} to close the account. They refused and told me the only payoff amount is the full loan amount including the interests, which is about {$7900.00}
Product: Mortgage

In XX/XX/XXXX, my loan, like many others was placed into forbearance because of the pandemic. Our business struggled mightily and barely survived, but we did manage. In XXXX or XXXX of XXXX, I was fine and tried multiple times to no avail to get LoanCare to reactivate my account so I could resume payments. They deactivated my online account making this impossible. They asked for paperwork to begin the process of a loan modification. I provided everything they asked for over and over again, but due to delays at LoanCare, they would come back to me every month asking for more paystubs, etc. Late XXXX, I received an offer for a XXXX  month repayment plan requiring me to pay over $ XXXX per month for XXXX  months. I explained this was not possible and was told I should do a loan modification. I told the person this was my intention all along, but there was no continuity between calls. I made dozens of calls and sent at least 40 emails to no avail. I finally reached someone ( I recorded the calls and told them I was doing so ) back in XXXX who said they understood and would get things situated. I had to start over at that time with paperwork sending them absolutely every document again. In early XXXX, I received a letter that LoanCare had everything they needed to process my application. Today, I received a letter ( just got it today though it was dated XX/XX/XXXX ) that I was being placed in a six month repayment plan and would need to pay {$10000.00} per month for six months. I don't even begin to make that much money per month. I am at a loss at this juncture. I am a XXXX  XXXX  Veteran, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've dedicated my life to serving others and I worked very hard to get to the place I am now. I've done everything they have asked for, but it seems this is not enough. I don't know who to turn to and hope that someone can help me get to the bottom of this situation. Please feel free to reach out for additional information. I understand there is at least one class action law suit against LoanCare and their online reviews are terrible. I have to believe I am not the only one going through this.
Product: Debt collection

Credit bureau in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.
Product: Debt collection

COMPANY KEEPS CALLING BUT WILL NOT GIVE ME ANY INFORMATION OTHER THAN I OWE A DEBT AND THAT THEY ARE TRYING TO COLLECT. THEY ALSO KEEP ASKING ME TO CONFIRM OR GIVE MY FULL SSN, DOB AND MAILING ADDERESS. 

THEY ARE CALLING THEMSELVES THE VIRTUOSO SOURCING XXXX WHEN YOU CALL THE # YOU ARE TOLD TO GO ONLINE TO XXXX OR TO WAIT FOR AN AGENT. 
THE WEBSITE TAKES YOU TO A PAGE THAT IS FOR SALE AND UNREGISTERED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 14 and 15 of the  attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my consumer report, I noticed inaccurate information reporting. Please modify this information to report accurate and verifiable information
Product: Credit reporting or other personal consumer reports

nder FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.
Product: Credit reporting

Hello, My name is XXXX XXXX, I have a serious issue with my credit. Since I was XXXX ( I 'm now XXXX ) there have been " error '' messages every time I attempt to get any sort of credit card or loan. This has happened at least XXXX times over the past 4 years. When these companies use my Social Security Number to get my score they can not receive any sort of information from the credit bureaus. I have attempted to get a free credit score from some of the larger websites such as XXXX and I still do n't get any information. I 'm not exactly sure what Bureau has the issue with my information or if it is all of them but I do not know the first place to start when it comes to this issue. I really hope that someone can help me or at least point me in the right direction. Thank you for your time. My email is XXXXXXXXXXXX.
Product: Mortgage

I 've been working with the bank on a mortgage loan. We were supposed to close on  X/XX/2017    and they were unable to as they waited until the last minute to get things to the underwriter. We finally get everything else in, and the bank goes silent for days. I tried reaching the banker who was assisting me with no luck. Tried reaching every person who had called me from the bank, and literally no one would answer. I found   XXXX   XXXX   's contact information on their BBB portal, and gave him a call. He is the  manager , and advised that he did not know why we had n't closed as my file looked good and that he 'd try to expedite things for me. Now   XXXX   XXXX   also disappears and wo n't get back to me at all. I am at a LOST! I am on the verge of losing the contract on the home as the seller is worried that we wo n't be able to close.
Product: Student loan

I consolidated my student loans back in XXXX and my loan servicer is Navient. My beginning principal was {$190000.00} and I was informed my interest rate was fixed at 2.875 % for 30 years. I have been diligently paying my student loans having never missed a single payment. But I was informed this week that Navient has been incorrectly applying an interest rate of 3.125 %! This difference amounts to several tens of thousands of dollars in additional interest that I was erroneously charged that was never applied to my principal! I called customer service on XX/XX/XXXX and the representative XXXX said Navient has no intentions to do anything about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 13 of the attached credit report. ) I have already called XXXX  XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Mortgage

Carrington Mortgage began servicing my mortgage recently, with the first payment being due to them in XX/XX/2019. Firstly, I believe that the payment options Carrington provides to consumers are unacceptable and are being offered with mal-intent. The previous mortgage servicing companies I have dealt with, of which there have been many, were able to offer reasonable, accurate, and no fee payment options that any American consumer would expect to encounter when conducting this type of routine business. It is simply unacceptable to demand a fee to make a simple electronic payment. 

Secondly, I have made payment to Carrington on XX/XX/2019 through my credit union 's bill pay feature. Carrington received my payment, but did not apply the excess payment to my principal balance. Instead, Carrington has applied the excess payment as future regular monthly payments - this is a blatant attempt to collect more interest and is completely at odds with consumer interests. I called to correct the issue, and was told it would be corrected. However, it has not yet been reflected in the records. In addition to this, I was told that if I continue to make my payments in one of the very few fee-free payment options they provide I would have to call in and correct this exact issue every month. Needless to say, that is completely unacceptable. The only other fee-free option provided to me without the hassle of calling in every month does not allow me to make additional principal payments in excess of $ XXXX/month. I am currently attempting to make additional principal payments that exceed this artificial cap put in place by Carrington. I feel that I am being unduly burdened in order to make a simple mortgage payment. I have only encountered this situation with Carrington and no other banks or mortgage servicing companies. Please correct this issue, whereby I can make my mortgage payment with additional principal without unfair burden.
Product: Vehicle loan or lease

On XX/XX/2023, I applied for an extention of credit for consumer credit transaction to purchase a vehicle from XXXX GMC in XXXX California, for personal, family, household use by the natural person. I was denied access to my own credit after submitting an application in good faith. This is discrimination. Regardless of the reason for denial, being denied my credit is in violation of the equal credit opportunity act, and XXXX finance protection act. Also I was informed that a down-payment of {$40000.00} would be a requirement. According to XXXX XXXX XXXX, finance charge is sum of all charges, and is not payable in an equal cash or any other form of currency. It is a credit transaction. They've also based they're decision on what they're opinion of credit worthiness is and not based on what XXXX defines credit worthiness as being. Again, This is discrimination. 
As defined by XXXX, XXXX, Federal Reserve XXXX, and Bill OF Exchange Act, the application is a security. Keeping my application where from witch I received no value in exchange is securities fraud and XXXX carry civil and or criminal liability subject to fines and imprisonment pursuant to consumer law. 
XXXX denied access to my extention of credit not only has left me in financial hardship, it has taken its toll on me emotionally and physically due to stress, worries, sleep deprivation and lack of apatite as a result. I am willing to take this matter to the XXXX XXXX if it can not be resolved. I am offering XXXX hrs allowing you opportunity to cure before I begin the administrative process.
Product: Money transfer, virtual currency, or money service

I HAD SENT THRU XXXX MONEY MONTHS AGO BUT THEY COULDNT CANCEL TRANSACTION. {$1000.00}. ALSO MONEY WAS SENT TO SOMEONE I HAD PUT IN A CONTACT BUT NEVER SENT THE MONEY. DID IT ON ITS OWN. XXXX
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Mortgage

I was put in a forbearance plan from Covid/19 by ShellPoint and was promised for the loan to continue by them because I am XXXX impaired, and could not answer the phone. I was informed that I would not have to call back till the 18 month would expire and at that point I would do a loan modification. At the 3 month period, after having no knowledge of ShellPoint, they moved me into forclosure without any communication, no letters, no certified letters, but only called me going against the ADA act knowing I am deaf/hearing impared. They are violating the Fair Credit Reporting Rights because I am hearing impaired, my ADA rights have been violated as well because of the inaccurate reporting of Shellpoint on my report. I have not been able to get a loan because they have reported me late on my last XXXX payments. I have spent hours trying to fix this with Shellpoint. My Aunt, who has spoken with ShellPoint multiple times has recorded messages of them admitting their fault and telling that they will fix my credit that they ruined and after speaking to the last ShellPoint manager, they declined fixing the issues they did against my credit so i can move forward to get a loan. ShellPoint sent me proof that I made my payments, but declined to admit that i was in a loan modification and forbearance after all the proof I have. I have recently sold my home, because of the fear of them putting it in foreclosure again. Now because of ShellPoints error, I can not get a loan to get another home due to ShellPoints errors. I DO NOT HAVE A HOME, AND I TAKE CARE OF MY XXXX XXXX XXXX GRANDMOTHER. If you need any proof of letters, bank statements and recorded phone calls proving they apologized for their errors and would fix it and make it right on my credit and proof that I was in a loan modification and forbearance plan feel free to contact me. PLEASE HELP ME! I DON'T WANT TO BE HOMELESS, LIVING ON THE STREETS WITH MY GRANDMOTHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX and spoke with agent about the late payment history on my mortgage account. 

I was in forbearance in XX/XX/XXXX to XX/XX/XXXX due to Covid and being furloughed. 

I paid all past payments that were in forbearance in XXXX of XXXX when i returned to work. 

I was told by XXXX the forbearance allowed my payments to be late due to being furloughed due to covid and would not reflect and ruin my credit report its being reported to trans union that my account shows late payment. trans union stated on XX/XX/XXXX that the information is correct. 

My account should not reflect late payments. 

Can you please help in getting this corrected?
Product: Credit reporting or other personal consumer reports

Good morning, my name is XXXX XXXX. I am writing to address the issue of identity theft and fraudulent accounts still appearing on my credit report. Despite notifying TransUnion about these accounts, submitting copies of my police report, FTC identity theft report, proof of identification ( birth certificate, Social Security card, Ohio driver 's license, and a utility bill ), and even writing a letter about the identity theft, they have failed to block, delete, and remove the fraudulent accounts from my credit report. 

The following are the fraudulent accounts that are still being reported by TransUnion, even after being notified to block, delete, and remove them due to identity theft : - Account Name : XXXX XXXX XXXXXXXX, Account # : XXXX, Amount : {$190.00} - Account Name : XXXX XXXX XXXX, Account # : XXXX, Amount : {$6400.00} Both XXXX and XXXX have already deleted these fraudulent accounts, and TransUnion needs to do the same immediately. I have attached a letter with all the necessary information to file a complaint with the Better Business Bureau. I urgently need these items to be removed and blocked from my credit report.

According to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after receiving such information from the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting the same account on my Transunion credit report twice. It's the same Account same balance same account number they have reported it with two different dates. Please have them to remove the incorrect filing. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo class action lawsuit XXXX I received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never seen this account and dont know what it is
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Checking or savings account

My account is showing a negative available balance, but it also shows a positive balance for current and unbucketed funds. 

Per Ally banks statement regarding unbucketed money " This represents the amount of your available balance that you haven't already allocated to your buckets ''. 

I spent 45 minutes on chat with a representative who initially told me it was being transferred to another account to cover a negative balance.. Then she said it was being held until the other account balance was brought positive. 

Then I had a 20-30 minute call with a representative who said that the money was being held because of a check that had not processed through yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent experian an FTC report on or about XX/XX/2022. experian refuses to block and remove the accounts itemized in the FTC report. I sent notice stating that This Identity theft report was not done in error or a material misrepresentation. If EXPERIAN believes i have received goods or services please have a senior executive certify under the penalty of perjury that i have in fact received goods or services as a result of these transactions. 
Experian refuses to remove fraudulent items that are DEFAMING the consumer and causing the consumer much stress due to fraudulent accounts reporting late payments causing my credit file and reputation to be tainted.
Product: Credit reporting or other personal consumer reports

XXXX failed to complete an investigation that would have them interview loved ones and neighbors and people who have first hand knowledge of the transactions being reported, and I am the only one who has first hand knowledge of any transaction between me and another party. And I did not verify or validate this fraudulent account to be reported to my credit report.
Product: Money transfer, virtual currency, or money service

I am the XXXX over an estate account that I set up at Bank of America, on the day of XX/XX/year> I sent a wire to my personal account at XXXX XXXX XXXX XXXX from the estate account at Bank of America. The wire cleared on XX/XX/year> and the day after I went to withdraw money at XXXX XXXX XXXX XXXX branch where they discriminated against me and locked my personal account that has now been locked for an Entire Week! Every time I call XXXX XXXX they are saying that all they have been waiting on is Bank of America to send a SERVICE REQUEST MESSAGE To them ( XXXX XXXX XXXX XXXX ) for a week now and BANK OF AMERICA TO THIS DAY XX/XX/year> STILL HAS NOT SENT THEM THAT INFORMATION SO THAT XXXX XXXX CAN RELEASE MY FUNDS AND UNLOCK MY ACCOUNT! I feel like every time I call BANK OF AMERICA, I'm not being heard, they shove me to the side, give me incorrect information and has even lied to me just to get me off the phone. THEY HAVE SERIOUSLY DROPPED THE BALL AND I DEMAND TO GET RESULTS IMMEDIATLY! I HAVE BILLS THAT ARE NOW PAST DUE AND AT RISK OF GOING TO COLLECTIONS BECAUSE IT HAS TAKEN THEM MORE THAN A WEEK TO SEND XXXX XXXX A SIMPLE SERVICE CONFORMATION MESSAGE SO THAT XXXX XXXX CAN UNLOCK MY ACCOUNT!! THIS IS UNACCEPTABLE!!!
Product: Credit reporting or other personal consumer reports

I was looking to purchase a house until I was notified about all the damaging things on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX