23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

apply for a PayDay Loan with Advance America on XX/XX/XXXX in XXXX XXXX WI. 
The amount was for {$1500.00}. I worked with XXXX XXXX. She toke the application. On the application there was a stop about bankruptcy I mark yes. I didn't think about it until I was reading on the internet and in a Law book that if you are in bankruptcy you are not to apple for a loan. I called them right alway about this. I talked to XXXX, she looked at the application and yes we check the box. She told us that we should not received the loan. At that time I asked if she would stop the ACH. She said to come in to sign the paper to stop it. We talked to her about what will happen now. She told us if we could pay {$50.00} or {$100.00} dollars on the loan. That after 3 months they would call us and work out something with us. The XXXX   payment the let go. But in XXXX we got a call from XXXX about the payment of {$330.00} that they would be taking it out of check account tomorrow. I say oh know you won't that we stop the ACH. She said she had to check on something and would call back. Later in the afternoon she did call back and said they would not be do that. 2 weeks later in XXXX we get a call again from both XXXX and XXXX. Two days apart. Went thru the whole process again with taking out the loan out of check again. This time my wife talked to them and she was just so upset with this calling all the time. She did tell them that it was getting to be harassment when the call so many times. My wife called the home off in South Caroline and filed a complaint with them. We received a call from a XXXX don't know her last night. She is the person that covers the WI area that this office is in. Talk to her about the loan and about XXXX hanging up on me. Which she should have I was a really XXXX  to Her. After talking to her for a while she said that on XX/XX/XXXX and XX/XX/XXXX they have payments for us and On XX/XX/XXXX. She said the they are refunding us the {$960.00} and then we will have to return the money to them. Will we never paid them on either day. Plus we stop the ACH. We were told that the money with be in our account the next day. Call XXXX back two days later to fine out about the money and she said it was on the way. I knew she was not telling us the truth. When I talked to her again. Now this time she said that on XX/XX/XXXX they pulled out money from our checking account. An it looks like the stop it. 
I talk to our bank. There has been nothing coming out or try to take money from our account. Now the story chance again. Now I get calls every week to see when we can start paying them back or make some kind of arrangement to pay. My whole thing is they gave us the loan when on the application it said we have a bankruptcy. Also I don't like it when you give me a story : like they have been. Please help My wife is not on this loan but I put her down as Additional Account Holder she know alot about this.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mi XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Removal of Paid Collection from Credit Report Dear CFPB Team, I am writing to formally dispute the continued reporting of a collection account on my credit report, despite the fact that it has been fully paid. The account in question is detailed below : Original Lender : XXXX XXXX Name : [ XXXX XXXX XXXX ] Date Assigned : XX/XX/XXXX Original Balance : {$250.00} Current Balance : {$0.00} ( Paid in full ) Under the provisions of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair reporting of their credit information. The continued listing of this account as unpaid is inaccurate and misleading. 

Enclosed, I have provided proof of payment for this debt, demonstrating that the balance has been satisfied in full. I kindly request that this inaccurate entry be promptly removed from my credit reports with XXXX, XXXX, and Experian. 

Failure to address this issue XXXX result in further action to protect my rights as a consumer. I trust that the CFPB will help ensure the compliance of the credit bureaus and the reporting agency with federal laws. 

Thank you for your attention to this matter. Please feel free to contact me directly if further information is required. 

Sincerely, [ XXXX XXXX XXXX ] Enclosures : XXXX of the credit report showing the collection account Proof of payment for the collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are not my acount and have been reporting over 7 years. I never had these accounts. My parents passed away during this time and i wasnt working. How could I get a credit card? I reported ove 100 ftc reports the.banks are ignoring me. This is against my fair rights. They are threatening me. They both said my credit will continue to me ruined until I pay them. Its not there problem This account was closed on XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Reported balance Credit limit {$500.00} You're using 165 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} Opened PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$820.00} Worst payment status No Info This account was closed on XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$930.00} Reported balance Credit limit {$700.00} You're using 134 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$930.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor  XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent TransUnion a dispute letter demanding to remove 3 accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXXXXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with XXXX and XXXX and same accounts, except XXXX has a account XXXX XXXX {$840.00} that I also demanded to be removed.
Product: Student loan

My payments are being allocated incorrectly. I'm almost {$10000.00} ahead of schedule and when I make an excess payment I select to have 100 % of the excess payment go towards my loan with the highest interest rate. I assumed that when I make that payment it would first pay off all the interest for all loans in the account and then pay the remaining balance towards the specified loan. However, when I looked at the payment it paid principal and interest to all loans in the account. 

For example, on XX/XX/XXXX I made a payment of {$1000.00}. I specified that I want 100 % of the funds to go to loan token XXXX. And my default excess payment preference is set to 100 % of the excess to loan XXXX as well. Below as you can see only {$690.00} went to the loan I specified which is 75 % .. 

XX/XX/XXXX Payment {$1000.00} Principal - {$920.00} Interest - {$73.00} Late Fees - {$0.00} Balance - {$25000.00} Applied to Loan Token XXXX Applied to Principal {$29.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$2900.00} Applied to Loan Token XXXX Applied to Principal {$37.00} Applied to Interest {$8.00} Applied to Late Charges {$0.00} Unpaid Principal {$3700.00} Applied to Loan Token XXXX Applied to Principal {$8.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$830.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$10.00} Applied to Late Charges {$0.00} Unpaid Principal {$4600.00} Applied to Loan Token XXXX Applied to Principal {$690.00} Applied to Interest {$13.00} Applied to Late Charges {$0.00} Unpaid Principal {$2100.00} Applied to Loan Token XXXX Applied to Principal {$47.00} Applied to Interest {$12.00} Applied to Late Charges {$0.00} Unpaid Principal {$4700.00} Applied to Loan Token XXXX Applied to Principal {$17.00} Applied to Interest {$4.00} Applied to Late Charges {$0.00} Unpaid Principal {$1700.00} Applied to Loan Token XXXX Applied to Principal {$6.00} Applied to Interest {$1.00} Applied to Late Charges {$0.00} Unpaid Principal {$610.00} Applied to Loan Token XXXX Applied to Principal {$18.00} Applied to Interest {$5.00} Applied to Late Charges {$0.00} Unpaid Principal {$1800.00} Applied to Loan Token XXXX Applied to Principal {$19.00} Applied to Interest {$6.00} Applied to Late Charges {$0.00} Unpaid Principal {$1900.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
XXXX XXXX inquiry date XX/XX/year> 2024
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$480.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a 1099 would you be so kind to send me a 1099 or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX M & T bank called me and stated my account was hacked for {$2000.00}. I took the rest of my money out and M & T staff told me to file a police report. I did file the report and never heard back from the bank or the police.
Product: Mortgage

My home loan was recently transferred from XXXX XXXX XXXX to XXXX XXXX XXXX ( Originator ) and Shellpoint Mortgage ( Servicing ) on XX/XX/XXXX. According to 2 Shellpoint Customer Service Agents and Shellpoint 's Web Site, Shellpoint is missing records of my XXXX and XX/XX/XXXX payments to XXXX XXXX XXXX. Shellpoint asked me to wait on making my XX/XX/XXXX payment until we resolve this matter, but meanwhile my account continues to show that I am behind on 3 payments totaling XXXX. 

I called Shellpoint to try to resolve the matter on XX/XX/XXXX. I sent proof to Shellpoint via email on XX/XX/XXXX of both my XX/XX/XXXX and XX/XX/XXXX payments in the form of screenshots of my XXXX XXXX XXXX Payment History Page and my bank statements all showing a payment to XXXX of {$3600.00} on XX/XX/XXXX and a payment to XXXX of of {$3600.00} on XX/XX/XXXX. I called Shellpoint to again to try to resolve the matter on XX/XX/XXXX. Shellpoint indicated to me that they received my email, but did not receive my email attachments. I have a screenshot of the email I sent to Shellpoint with email attachments. 

The matter is still not resolved and Shellpoint continues to blame me and ask me to work with XXXX to resolve the matter. I find it very interesting that Shellpoint 's website shows that they have every single details about how much money I owe them, but is missing all details of how much I have paid them.
Product: Credit reporting or other personal consumer reports

I was utterly shocked and devastated upon discovering unauthorized accounts and and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each accounts including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each. Please see the attached file for what I am complaining about!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is claiming that I am the owner of an account that was charged off back in XXXX. The total amount that was charged off in my name is {$1000.00}. I never opened this account therefore i had no knowledge that it ever existed. Given that many years have passed, I can longer obtain a police report. My credit was fraudulent used in XXXX and went through great length to get it resolved and XXXX is the only that is not willing to remove. I believe this to be a XXXX attempt because I am XXXX and they want to deny us from obtaining credit. I will never have an XXXX card and they have proven to be XXXX   because of my XXXX name. Please help.
Product: Credit card or prepaid card

I purchased a XXXX XXXX XXXX online through XXXX on XX/XX/XXXX.  However, I changed my decision about this purchase shortly, and contacted the XXXX customer service via phone requesting them to cancel this order. They, however, were not able to cancel the order, since it was already being processed, and assured me that I can simply return it online once the item arrives. As soon as the item arrived on XX/XX/XXXX, a return request was initiated through XXXX online return center, since it was no longer needed/wanted. However, on XX/XX/XXXX, I received an email from XXXX that my return request has been cancelled, due to a return policy violation ( which they did not disclose ), and that they reserve the right to deny any return, even though the item was still factory sealed, and according to the XX/XX/XXXX return policy, I have 14 days to return the merchandise for a full refund from the date it was purchased, and my return request was still within that window. Please see attached, all the email communications between me and XX/XX/XXXX, as well as the XX/XX/XXXX full return policy. 
On XX/XX/XXXX, after multiple unsuccessful tries to resolve the issue through XX/XX/XXXX customer service, I requested Bank of America to start the dispute process on the {$3500.00} charge that was posted on my Visa credit card ending in XXXX on XX/XX/XXXX from XXXX XXXX. I also provided them with the full explanation as to why I was disputing the charge, as well as all the documentations/emails that I had from XXXX. On XX/XX/XXXX, however, I received a claim denied later from them saying that they are not willing to issue a charge back and pursue the dispute, since the item has not been returned to the merchant, which is exactly the main reason I was disputing the charge in the first place since XXXX was not willing to stand by their own return policy, send me a return shipping label, and issue me a refund. On XX/XX/XXXX, I contacted Bank of America via phone after receiving the letter, providing clear explanation for a second time as to why I was disputing the charge. However, the agent on the phone told me that they can not issue a charge back and continue with the dispute, since there is no billing error and the merchandise is still in my possession ( even though this is XXXX fault for canceling my return request and not sending me a return shipping label ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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: Payday loan, title loan, or personal loan

My name is XXXX XXXX. My XXXX XXXX checking account number is XXXX. In XX/XX/XXXX, I applied for payday loan for {$1000.00} at The Check Cashing Store store # : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX . The first payment was paid on XX/XX/XXXX in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. On XXXX XXXX the second payment was paid in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. On XX/XX/XXXX the third payment was paid in the amount of {$330.00} in person at the following location : The Checking Cashing Store XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XX/XX/XXXX, the four payment was paid in the amount of in the amount of {$260.00} to DFC Global Corp from my XXXX XXXX checking account. I was told I only made one payment on the loan however, I made four payment towards the payday loan.
Product: Student loan

I went to a XXXX. I took out a private loans that the school owns. I transferred to another school my XXXX semester because the other XXXX school had XXXX loans. while I was in XXXX at the new school my XXXX loans were now in repayment I was thought that while i was in school my loans would not be on repayment. I had XXXX more years of XXXX. I am now in default for XXXX loans with XXXX. I just graduate XXXX XXXX,2015. I did not get into XXXX. I am currently looking for a job.My mother has been paying {$50.00} a month direct deposit. AES took out over {$3000.00} without my monther permission
Product: Student loan

Back in The beginning of XX/XX/2022 I made a call to Navient trying to lower my payments ( as I have done many times in the last couple of years ). I have never received any assistance in lowering my payments and was told they could only reduce it by probably {$40.00} at most. I was always asked the question how much can you afford to pay followed by is that all. When returning to the line it was always there is very that we can do to help if any help at all. Ive explained several times that I am a single parent that receives no financial aid from the father so I dont understand how I can pay for roof over my head and afford student loans. Navient has this suit going on and I dont know if I qualify simply because I always scraped up what I could to pay so Im unsure if Ive ever been delinquent for 7 straight months. I was always tricked into forbearance but interest always grew so I could never lower my amount. How is it that people who allowed their accounts to become delinquent get all their loans paid off? Were they even trying? Had I even let mine go that far I would have been called 20 times a day.
Product: Mortgage

I have XXXX loans with Bank of America. They were originally VA loans via Countrywide. BOA handles the servicing of the loans. Shortly after taking over the loan from CW, BOA began adding escrow reserve to my escrow account. My loan does not require me to use escrow servicing, it 's voluntary. Upon adding escrow reserve, BOA raised my minimum pmt. While paying the correct amount, BOA began to claim my payment was short of full. This lead to payments being considered late, late fees, etc. 

Additionally, BOA 's escrow servicing has repeatedly paid insurance to XXXX incorrectly. Payment from XXXX property made to a wrong XXXX. This lead to overpayment to XXXX and a refund to me ; meanwhile leaving the unpaid insurance account short ( as it was never properly paid ). This lead to a repeat of all said above in late fees, etc. 

Most recently, they began foreclosure proceedings on one of my rental properties. This despite having record of sufficient payment made each and every month. The first trustee called off the sale and sent the file back to BOA after I provided them my records. Now a new trustee has been appointed and they 've postponed the sale to review my information. I 'm quite tired of this continual process. 

I have a file XXXX '' thick of letters sent to BOA with minimal response and never any serious attempt at resolution. In my paperwork sent to BOA is included a spread sheet displaying all loans, payments for each year with taxes and insurance and my payments. It quite clearly shows that I 've paid more than was required. Despite this, they have each loan in error and it 's a complete mess. 

This is not the first occasion. In 2009, BOA admitted wrongdoing of all the above and corrected my accounting and all was set current. However, shortly thereafter the whole process began again. 

I 'm not sure if it is a predatory business practice or not, but I 'm sure I 'm not the only one experiencing this. My credit has been ruined and I 've been unable to close on transactions and lost hundreds of thousands of dollars. 

I 've pleaded with BOA to have someone at high level work through the file and find resolution. No success.
Product: Checking or savings account

So I put half the money in the bank I only owned {$8.00} and some change they charged me to {$34.00} twice For {$8.00} dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.