23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am contacting you in reference to my loan # XXXX with AmeriNat and the questionable customer service which Ive received. 

On Friday, XX/XX/XXXX, I signed into your website ( https : //www.amerinatls.com/ ) in order to look into my existing loan with your institution. At which time I discovered that in spite of my making nearly 2 years of payments, my principal balance had only decreased by a little over {$2000.00}. As I have a median interest rate and loan amount, I found this dismal pay-down to be strange, so I called in to your customer service group with questions about my : loan, balance, interest rate and per diem. The first young lady whom I spoke to seemed to not know what a per diem was, as each time I asked her to calculate my current per diem, she replied with AGAIN giving me my interest rate. I ended this phone call due to frustration and instead utilized your website to explore my payment history myself. 

After going to XXXX and finding a basic formula for calculating daily interest and doing the math, I called into your customer service once more. The gentleman whom I spoke to was at least familiar with the term per diem and knew how to calculate it. After doing his own math, he agreed that the way my payments were applied seemed odd. At this point, I assumed that Id get a ticket or reference number for a review of my account and payment history, but no such luck! I was told that this young man would put my request in his pile and later review it with his manager before calling me back by XXXX. Unfortunately, I did not receive a callback or any other type of follow up for my concerns. Im disappointed that your institution seemingly doesnt have any escalation department or process to assist borrowers with this type of inquiry, so I am sending my complaint in writing and including the OCC and FTC in the thread. 

I have attached a spreadsheet of my loan history, and would like an investigation into my payment history & a breakdown of how my payments were applied going back to this loans inception. 

Here are just a few of my concerns with how my payments have been applied : I made 2 payments in XXXX on 2019 in the amount of $ XXXX/each. How is it that my principal and interest breakdown are the exact same for both payments? Please explain your math in calculating {$210.00} worth of interest when my records show that accrued interest should have been under {$160.00} I started routinely overpaying my loan by $ XXXX/month in XX/XX/2019. These overpayments do not appear to have been applied to principal, where are they?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Capital One Auto Finance ( XXXX XXXX XXXX XXXX, TX XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One Auto Finance to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I saw my credit report this morning, I was shocked to discover inaccurate accounts. I check my report often, and it's never been an issue before, but today, there were discrepancies that caught me off guard. I thought maybe it was a browser error, so I refreshed the page, but nothing changed. Now, Im requesting that my submitted documents are thoroughly reviewed to ensure this problem never happens again.
Product: Debt collection

i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an entry on my credit report pertaining to an account with a {$0.00} balance. The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.

The details of the disputed account are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX It has come to my attention that the inaccurate reporting of this account as a charge-off with a {$0.00} balance is adversely affecting my credit score and financial well-being. This erroneous information is not only misleading but has the potential to hinder my ability to access credit and financial services when I need them most.

I have made every effort to rectify this situation by ensuring the account is fully paid, and it no longer carries any balance. Consequently, the reporting of this account as a charge-off is wholly unjust and misleading. I am in complete compliance with my financial obligations and deserve an accurate reflection of my creditworthiness.

In accordance with the Fair Credit Reporting Act, I kindly request that you promptly investigate the accuracy and completeness of this entry. Furthermore, I request that you provide me with the results of this investigation within the stipulated time frame, as outlined by the Act.

I understand the importance of accurate and up-to-date credit reporting and its impact on my financial life. Therefore, I earnestly request your immediate attention to this matter and a swift resolution, resulting in the complete removal of the erroneous charge of entry.

I appreciate your prompt response to this dispute and request that you provide me with written confirmation of the removal of this entry once the investigation has been completed.

Thank you for your cooperation in resolving this matter and ensuring the accuracy of my credit report.
Product: Student loan

In Fall of XXXX, I enrolled in law school at the XXXX XXXX XXXX I held previous student loans from XXXX that were coming due for repayment in XX/XX/XXXX. Prior to repayment beginning on XX/XX/XXXX, I submitted a request for the SAVE Plan and requested to be taken out of in-school deferment. The reason for this request is that, due to my low income, under SAVE my monthly payments would be {$0.00} and my interest would not accrue because of the {$0.00} qualifying payments. 

Despite my timely application, MOHELA did not process my request until late XX/XX/XXXX. The message stated that my request to be taken out of deferment would take effect in XXXX. This means that I accrued hundreds of dollars in interest for XXXX that I otherwise should not have had to pay under SAVE. 

In XX/XX/XXXX, I was immediately told that I was put back into in-school deferment. This means that, to date, I have never received the benefit of the SAVE plan AND I was told I had to resubmit the application for SAVE again and it would take 60+ days to process. This essentially means I'll have to repeat the same process again throughout my time in school and I will be charged exorbitant amounts of interest that I shouldn't have to pay, since I'm eligible for the SAVE plan. 

I have called numerous times and am always transferred to a supervisor. Once this happens, I either face several hour long wait times and nobody ever answers, or I get sent straight to voicemail. 

MOHELA refuses to waive my interest fees from XXXX despite the fact that I shouldn't owe them under SAVE. They also sent me a bill saying I owe $ XXXX now, but my payment should be {$0.00}. I get transferred and can never get anyone on the phone to help me adjust my monthly payment, and they even said when they tried to adjust it, the system says I am not eligible for SAVE.

Every agent tells me something different, I am accruing thousands of dollars in debt due to their negligence, and nobody will assist me. I have been trying since XXXX. It is clear that they do not know what they are doing and I will be financially harmed if this continues.
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. 
Company : EQUIFAX Account : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> has violated my rights. XXXX5 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 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. My information was impacted in the Equifax data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Product: Consumer Loan

I am utterly discussed on how my account is being handled - we have an auto loan and recently had a collision. My insurance who I pay issued the repair check in the name of my husband and Santander. I called and spoke with XXXX who told me where to mail the check and to include either the estimate or the letter from the insurance company that the check was issued based off an estimate and they would endorse the check and mail it back to us. I called to check on the status of the check and was told they did not receive it yet but they would not be returning the check either. I was told that is not their policy. I was told they will hold the insurance check until damages are repaired and then they will release the check to the Body shop and we will have to go there to sign it. Upset with this the next day we called our insurance company to find out that the insurance check was cashed! It was a double endorsement check and it was NOT signed by my husband. The monies were applied to the principal balance on the loan!!! When I called and spoke with XXXX she then states that is their policy and they will pay the body shop when damages are repaired and it will not be the same check from the insurance company. Any overages I was told I would have to pay and if the charges were less they keep the money on our balance ... .. I was told several times that Santander owns the vehicle and that 's their policy. Well Santander you do n't pay my car payment every month nor do u pay my car insurance. This is fraudulent in cashing a check that was not endorsed properly. I have contacted several body shops and they will not repair my vehicle in the situation. I am stuck with a damages car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I reviewed a copy of my credit report and I noticed a account that is the result of fraud I contacted the creditor and asked to verify this account and it wasnt done I also requested a block of this information from my credit report from XXXX equifax and XXXX per fcra subsection b and 15 usc 1681 c2 and I never received a response back for this request Please block this account immediately XXXX XXXX XXXXXXXX Amount {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  Account number XXXX Has violated my rights. 

DEPT OF ED/XXXX Account number XXXX has violated my right. 


XXXX XXXX XXXX Account number XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. states a consumer 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. 15 U.S.C 1681 c. ( 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

XX/XX/2020 : Synchrony bank closed my XXXX XXXX card, {$900.00} credit limit. Care Credit card, {$15000.00} credit limit. XXXX XXXX card, {$35000.00} credit limit and Belk Rewards card, {$1500.00} credit limit. 
When I called they reported that based on my credit report, I was high risk. I have paid all my bills on time. When I received the letter, there is not an agency listed and a credit report was not utilized in making the decision. The letter indicated the reason as activity on accounts with Synchrony indicative of high risk of failure to pay. I have always paid my accounts off. When they closed them, all my accounts had a XXXX balance. I have multiple other cards ( XXXX XXXX, XXXX, XXXX ) that my limits have increased. I feel that I was discriminated against. My credit score dropped XXXX points due this. I am in the process of buying a car and this has affected my process. This has caused me stress and anxiety, in a time where stress and anxiety is higher due to the pandemic and uncertainty in this world. When I called Synchrony Bank, they informed me that the decision was made based on the credit report they pulled. The only option they stated I had was to reapply. This would decrease my score even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX due to XXXX  from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from my credit report
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting duplicate student loan account to the credit reporting agencies.
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 XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

DATE OPEN XX/XX/2019 {$14000.00} ORIGINAL BALANCE {$18000.00} NOW BALANCE
Product: Credit reporting or other personal consumer reports

CLUE XXXXXXXX XXXX XXXXXXXX  are both reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX any other information is incorrect. You have an obligation to report account information. You are also required to provide me with a report every year and you have not. There is so much information you could potential have wrong causing me damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Im attaching the required FTC Report for you again ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

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

In accordance with the XXXX XXXX XXXX Account, XXXX XXXX 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 a account without my written instructions
Product: Mortgage

On XX/XX/XXXX I requested that my mortgage held with LoanCare be removed from the COVID-19 Forbearance program. All required documents had been sent in then I confirmed that had been received. I was told the process should take 30 days to complete. I followed up on XX/XX/XXXX and was told they have no update and it was not even worked on yet. called again end of XXXX requested they open a case to investigate what's taking so long and call back in 10 days. Called at the start of XX/XX/XXXX and was told the same thing. The Representative said, " my file was being escalated via his supervisor '' would receive a call back in 4-5 biz days. No call no update. Called again on XX/XX/XXXX and XX/XX/XXXX again on XX/XX/XXXX told to call back in two weeks for an update. Finally, on XX/XX/XXXX I receive a packing in the mail saying my Forbearance request was processed and completed. Four and a half months later a process that I was told should take 30 days was completed. During those 4.5 months, Loancare continued to report my loan late because it was late at the start of the forbearance program. Those 4.5 months should never have happened if they processed my request in a timely fashion as promised by LoanCare. I find it unreasonable as a mortgage lender to operate this way and impact customers in a negative way further hurting my credit report when i no longer needed the assistance program. 
I have already contacted them directly and via the XXXX Their response on both occasions was they reported my loan correctly to the credit aggency. Yes, that statement is correct ONLY because they took 4+ months to complete a request I was told would take 30 days. If this was handled properly my loan should have been brought current in XXXX and thus XXXX, XXXX and XXXX would have then reported my loan as current and not late. 
I would like transcripts sent to me as soon as possible for the calls to LoanCare by me Starting XX/XX/XXXX to document Loancare 's actions and mishandling of my loan. Th This appears to be a violation of LoanCares duty under the CARES act. 

Loancare XXXX XXXX XXXX, Virginia XXXX, VA XXXX https : //www.loancareservicing.com/