23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I had entered a payment plan of {$20.00}. I have been successful in all 13 payments. I am going through a hardship currently, and on a fixed income, barely making it my expenses have increased. I made a total of 13 payments of {$20.00}. I would like to consider what I have paid and settle this account. My increases. My expenses have increased and my income is very fixed that Im barely getting by trying to catch up on bills and other obligations.
Product: Mortgage

My loan with Ally was paid in full on XX/XX/2020. I have not received my escrow balance refund. 

On XX/XX/2020, I inquired with Ally 's customer service about the status of my escrow refund. On XX/XX/2020 I was told by XXXX XXXX, their email representative, that it was disbursed on XX/XX/2020 and to allow 7 to 10 days for it to arrive at the mailing address. When looking at a calendar, XX/XX/2020 was a Sunday when mail isn't processed. 

The history on my account shows the escrow disbursement is dated XX/XX/2020. When I called back I was told that it was generated on XX/XX/2020 and mailed on XX/XX/2020. 

To date I still have not received it. When I called again today, I was told that the refund was generated on XX/XX/2020 and the customer service representative named XXXX ( who couldn't provide me with her last name ) said she couldn't tell me when it was mailed or provide me with any mailing information. 

The information being provided by their associates seems to all be inconsistent. 

Escrow refunds should be mailed within 30 days of the loan being paid off. Ally is out of compliance and their customer service is very unhelpful to say the least.
Product: Mortgage

I have complained to cfb Complaint # XXXX-XXXX and the company returned the request that they were not the appropriate company to address my issue, but they are foreclosing on my home through the law firm of XXXX, XXXX  XXXX XXXX under the name of XXXX, but XXXX  is on the Assignment of the Mortgage and JPMorgan Chase bank is the servicer. 

It is impossible for me to know which company is foreclosing on my home. The documentation is in question and the endorsement of the assignments have been endorsed by XXXX XXXX XXXX and XXXX XXXX XXXX which the US Attorney General has fined and forbidden the firm to act or continue to be involved in the foreclosure of properties unless certain criteria is being met. 

There is no note, and the Certificate of Merit presented to the U.S. Supreme Court by the plaintiff 's attorney, XXXX, XXXX, ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX ) documents may possibly contain forged signatures and robo-signing and the company on the Assignment of the Mortgage, XXXX, denies that they are responsible for the foreclosure sale on my property. 

My question is that as a consumer, do I have the right to know the company foreclosing on my home. Is it XXXX, XXXX , XXXX XXXX or JPMorgan Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. <P/>EQUIFAX YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. <P/>ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST. <P/>1. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY. <P/>2. XXXX XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3. XXXX ON XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do what they are expected do. Equifax is knowingly reporting an account that can not be completely validated or verified. 

XXXX XXXX XXXX XXXXs reappear on my credit report without notice. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX was removed and has been reinsurted without a letter of reinsertment. 


Please see attachment
Product: Credit reporting or other personal consumer reports

According to the ( FCRA ) 15 USC Code 1681 all accounts on a consumer report must be accurate with all XXXX Credit Bureaus. TransUnion, XXXX, and XXXX. The following accounts have been deemed invalid on either XXXX, or XXXX or both. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF LAST ACTIVITY TRANS XX/XX/XXXX XXXX XX/XX/XXXX. CLOSED DATE XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX DATE OF LAST ACTIVITY TRANS XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING 3X ON CONSUMER REPORT ALL UNDER DIFFERENT DATES XXXX  # NO ACCOUNT NUMBER XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from Navient student loan company and I ca n't understand why when I was in forbearance.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Hello, the last time I spoke to my Private Student Loan Lender ( Navient ) was in XX/XX/2016. I was about to begin a Master 's program that would place my loan on hold payment. In that conversation, which was one of over a dozen on this topic, I inquired about my balance. I couldn't understand how I had been paying so much money toward my loan and the balance was increasing -- yes, INCREASING. To date, I have paid {$39000.00} toward my private student loan which had a beginning balance of {$75000.00}. According to the company, only {$6000.00} has gone toward the principal balance while the remainder has gone toward interest. Even if this were a true statement, that would mean my principal balance would have decreased by at least {$6000.00} ... instead it has INCREASED over {$30000.00}. The loan is now at a balance of $ XXXX ... my payments do nothing. The loan will never get paid off. It only continues to go up. Please, help me.
Product: Debt collection

I don't have a log of phone calls but they have excessively been calling and when I answer they hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a total of six hard inquiries with no details as to where or how they got there. I would like these six credit inquiries to be removed from my credit report immediately. please and thank you.
Product: Mortgage

I asked this mortgage company Select Portfolio Servicing to remove the escrow account because my loan did not have an escrow account when they purchased it. I already paid my taxes for the year. To resolve the problem they removed the escrow account on XX/XX/XXXX and then put it right back on XX/XX/XXXX! So the escrow account needs to be removed again!
Product: Mortgage

Informed by CHASE bank that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by CHASE bank that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. CHASE bank also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. CHASE letter provided a number and address of XXXX and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. CHASE says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop. CHASE sabotaged my mortgage account and forwarded my loan to a closer ( forecloser ) with incorrect information and refuse to provide the details of their inappropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally sent a letter for debt removal all accounts in my letter and all non account holding inquiries older than 30 days to TransUnion by certified mail. Which mean the bureau could process the letter because it was mailed by me. The tracking number states that the letter was received by agent on XX/XX/XXXX and it was never processed. Which further held damage against my credit report. The incompetence of TransUnion is damaging to me improving my credit profile.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. 
Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) the company is required to block and remove the identified transactions on the attached documentation, within 4 days.
Product: Debt collection

I paid the original amount off with debtor XXXX XXXX. I also turn in the equipment. I find out the person in the apartment next door. Was using my info I report him. It was a fraudulent account. XXXX says my account is zero paid off and delete. But The collector is abusing me saying I owed {$200.00}. Calling me and writing me.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I attempted to wire transfer money to a new account through my CitiBank Checking account. Upon attempting to do so, I was unable to not only add the recipient to the list, but I learned my account was STILL frozen, even after I was assured the account was to be cleared. I have called numerous times, talked to too many employees at CitiBank, and there is no resolution and I have no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian and XXXX   credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX ) Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/year> 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 seven years.

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: Debt collection

Threatening emails concerning money never loaned to me from scamers. Company name used is Speedy Cash and they don't loan money to people in Georgia. They are aware of scams & told me to ignore, which I have. I received first email from XXXX XXXX & second today from XXXX XXXX but I am sure that is not their real names. attempted to forward to your given email site XXXX but they would not forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third submission of original complaint from XX/XX/22 The following is the correct data on revolving credit utilization as appearing on XXXX XXXX report : Primary Cards Usage Card Usage History You're using {$25000.00} out of {$54000.00} total credit limit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  100 % 98 % 97 % 92 % 30 % 50 % 100 % View all accounts Charge cards not included in calculation {$25000.00} / {$54000.00} = 46 % revolving credit utilization Experian is falsely showing 100 % revolving credit utilization from the same figures and falsely reporting XXXX XXXX as XXXX points lower than it actually is
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach that resulted in the unauthorized use of my personal information to open fraudulent accounts. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that all fraudulent accounts associated with my identity be blocked and permanently deleted from my credit report. 
List of XXXX Accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$1200.00} XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Cavalry portfolio servic theyre trying to collect a debt that doesnt belong to me for {$620.00}. I believe its from a XXXX credit card I need this item to be removed from my credit report I dont have any knowledge of this it was already Removed from my XXXX now Is showing in my XXXX and XXXX. Credit reports my phone number is XXXX my name is XXXX XXXX XXXX the last four digits of my social are XXXX
Product: Credit reporting or other personal consumer reports

i an writing to formally request the immediate removal of inaccurate information from my Transunion credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts and inquiries are listed incorrectly and are causing significant harm to my credit worthiness. I have previously disputed these items with TransUnion, the items still remain on my report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. I kindly request that the Federal Trade Commission intervene to ensure that TransUnion remove these inaccurate items from my credit report immediately. The erroneous imformation is adversely affecting my ability obtain credit and causing undue stress. Thank you for your prompt attention to this matter. i look forward to a swift solution. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Debt collection

I received a letter from Alpha Recovery Group regarding a debt from XXXX XXXX XXXX with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to Alpha Recovery Group within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, XXXX XXXX XXXX has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
Product: Mortgage

Today is the XXXX day post payment and nothing has been done. Wells Fargo has not provided a confirmation letter as they initially stated they would. Continuously getting told a different story each time I call with insignificant 15+ days hold/delays prior to closing out the account and providing release documentation. Too many excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my behalf, XXXX XXXX, there is no third party involved. I reviewed my credit reports to find unauthorized inquires. I do not recognize, nor I did not give consent for these transactions/inquires to be reported. The integrity of the credit reporting agencies are extremely questionable if they are ok with allowing just anything to be furnished on a consumers report.
Product: Checking or savings account

Date : XX/XX/2022 Total Amount : XXXX There were 4 times in 1 day my account got unauthorized transfer through XXXX to the same email address : XXXX. The receiver name is XXXX. I don't know this person at all. 

I normally will receive text message from BANK OF AMERICA whenever there is a XXXX transaction. I did not receive any notification from bank on XX/XX/2022. I talked to the bank after I realized the problem. But they said it was my fault and money was initialed from my device. I don't know how and why it happened. was my device hacked? or just the bank error? I tried to call the fraud department again and all I received " there is nothing we can help ''. I hope you guys can help me or at least I can raise my voice about this issue. Appreciate that.
Product: Credit reporting or other personal consumer reports

For 3 months Ive attempted to get account information corrected. For multiple USAA accounts, not only are the accounts reported as charged off debt, but also being shown as a late payment each month. For one account, utilization is being reported as XXXX XXXX  even though the account has long been closed and charged off- there is no longer utilization, its closed and marked as bad debt.