23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was in the process of applying for a modification or repayment plan with the servicer at the time, XXXX XXXX, I was approved but my trial payment was set to begin on XX/XX/XXXX. I could not accept the offer bc I was under a stay at home order and unable to go pick up my mail & find a notary, at that time the State of emergency was at its height. I also could not accept bc I lost my job in XXXX due to COVID 19. I appealed the decision and also applied for COVID forbearance. Making that my second request and notification to the lender that I was affected by COVID. 
While in the middle of that process, I was given until XX/XX/XXXX to sending additional documents, my loan was transferred to Faye Servicing.

I received a notice from Faye, A Notice of Default & Intent to Accelerate. I immediately contacted XXXX XXXX. A XXXX representative & advised him that I was unable to pay as a result of COVID. I was told not to worry that I was in a COVID forbearance & there was a halt on foreclosures. Then I started to receive letters from an attorney representing the servicer, threatening me w foreclosure. I kept getting letters & when I would call I was told not to worry. 
In XX/XX/XXXX I was offered a trial modification by Faye, but I advised them that my place of employment was still closed, I was having difficulty with my unemployment benefits, as our State EDD office was overwhelmed and that based on my current financial situation I needed to stay on a forbearance. 
I contacted Faye Servicing in XX/XX/XXXX and was told that I needed to call back AFTER my forbearance ended to discuss a workout option. I was receiving letters still & I started panicking. I sent in a WRITTEN request for the status of my forbearance, and to explain a letter I received in XXXX saying that Faye no longer serviced my mortgage and had only serviced until XX/XX/XXXX. I was told someone would contact and they did not. I called again on XX/XX/XXXX and was told that I was in foreclosure, there was no record pf COVID request for help and that it was likely bc the previous servicer did not complete the process. All this is so confusing and inconsistent with what I had been told before. I was told that my loan was transferring AGAIN in the middle of my assistance request and I was no longer eligible for any COVID relief because it was too late. Most upsetting is that the servicer, Faye, XXXX, XXXX XXXX and XXXX are all subsidiaries or have joint ownership at some point or in some way and that my COVID requests were ignored and blamed on the previous servicer. I am attaching a serious of letters that I believe highlight how negligently my loan has been handled & this has made it impossible to obtain assistance. Constant run around. XXXX sent me letter XX/XX/XXXX that my loan was transferred to FAYE on XX/XX/XXXX. XXXX also sent me a letter XX/XX/XXXX that my loan was transferred to XXXX XXXX on XXXX a letter from an attorney on XXXX naming Fay as the servicer. No wonder no one has my COVID request & my requests have been lost in service transfers & errors by the servicers.
Product: Credit reporting or other personal consumer reports

It is a violation to report transaction history. 
Per 15 USC 1681 ( B ) ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

The Privacy Act of 1974 in conjunction to above referenced U.S. Department of Justice Office of Privacy and Civil Liberties THE PRIVACY ACT OF 1974 5 U.S.C. 552a As Amended 552a. Records maintained on individuals ( a ) Definitions For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of Title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments und
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then 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: Vehicle loan or lease

Hyundai motor credit is reporting on my credit reports that this account was paid for last and written off this account was paid in full and needs to be deleted off my credit report they report it one minute that it was paid in full then they put that I hadn't paid I need this delete it today from all three of the credit reports
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and discovered various mistakes and information reported on my credit report, I've reached out to the companies on several occasions to update this information.
Product: Credit reporting or other personal consumer reports

A student loan from XXXX is showing up on my credit report. I have never taken out a student loan. Ive tried multiple times to contact XXXX, but cant get through to an actual human being. Every time I attempt to dispute this loan through TransUnion they send me an email saying that I dropped the dispute, even though I didnt drop it. Im extremely frustrated that it feels like my hands are tied in this matter. XXXX should make it easier to contact them on matters like this. My credit is going to end up being destroyed and I will end up being forced to pay back a loan that I didnt take out. Nobody should have to go through this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransWorld System Inc XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.
Product: Checking or savings account

Already reported Capitol One 's egregious and fraudulent overdraft fees for XXXX payments, 4 fees charged for a total of {$170.00}. Wrote a complaint to CFPB, and bank then refunded the fees since I did transfer XXXX the day before. They never sent me the letter posted on CFPB, I NEVER received the {$25.00} customer service credit either! 
Please help me get the {$25.00} credit they promised to send to me that they never sent. I also want them to mail me this letter they only sent to CFPB and not me. Disgusting bank practices. Not happy with this bank or their services!
Product: Credit card or prepaid card

An XXXX XXXX account with a {$20000.00} limit was opened on my Bank of America account without my permission, knowledge, or consent. The card was mailed to my old address. BofA said the application was sent in on XX/XX/23. I noticed it on XX/XX/23 and contacted BofA to shut down the card. I also froze all my credit and changed my passwords, as directed by BofA.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Universal Fidelity has to yet to send the payment to the creditor XXXX. The payment was paid on XX/XX/2024 to Universal Fidelity they have yet to send the payment to XXXX who is the actual creditor.
Product: Debt collection

Procollect accepted the terms of the payment sent which were VERY clearly stated when they posted the payment to the account. The terms of the agreement should NOW be followed.
Product: Debt collection

XXXX   XXXX   ... ..    XXXX   XXXX     XXXX   gcservices    XXXX    XXXX   XXXX  called  XXXX  I returned the call from a different number.  XXXX  started giving out my account info after giving out all my account info. I feel my privacy rights were violated.
Product: Credit reporting or other personal consumer reports

I had filed a complaint that this account should not be on my personal credit report because it is a business account, and I had requested from the company to proof otherwise. The company provided an account statement that clearly shows that it is a business account and it had my name on it. I am the owner and the director of the company, and that is why my name is showing on the account. However, the company has no proof whatsoever that I had signed any personal guarantee on the account and that I am personally responsible for the account. I had applied for the card on behalf of the company, and the card was issued to my company as a business credit card and not as a personal credit card. I am requesting a legal document, not just an account statement, stating that I am a personal guarantor on the account and signed by me. Thank you.
Product: Payday loan, title loan, or personal loan

I first contacted Speedy cash in XX/XX/2019 to stop ACH payments. They took a payment.out 3 days later I contacted them a 2nd time and they said the email didn't come from the email on file although a read report said they opened it. This time I sent it again from the correct email address. They again took took money. I called and stayed on the line till they confirmed they got it. They took money yet again in XXXX. They said they would refund the payment from XXXX to my bank account. After a week with no refund I contacted them once again. They said I would have to pick it up in the store. I was out of town for two months. When I returned from my business trip I went into the store where I took the loan. Speedy Cash called the store to issue my refund but the store refused saying they had to contact the district manager. I want the loan voided and all payments returned for my trouble. They over drafted my accountant multiple times and left me with out money for food. The store that I took the loan from was Speedy Cash on XXXX XXXX in XXXX Tennessee
Product: Debt collection

I do n't owe this debt, I do n't know who this company is, and I would like them to prove that I was under contract with them. If they bought the debt from some other company, then that would be a violation of HIPAA. Regardless, I do n't owe this company anything, and they must be removed from the report.
Product: Credit reporting or other personal consumer reports

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/year> and they still are not reporting my loans as paid off and as agreed. 
See below Group Total Applied Applied to Principal Applied to Interest Applied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
DEPTEDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$790.00}
Product: Credit reporting or other personal consumer reports

THIS HAS BEEN AN ONGOING ISSUE WITH CREDIT REPORTING AGENCIES REPORTING INACCURATE INFORMATION TO CONSUMER PROFILE, REGARDING THE XXXX  ACCOUNT. 

WITHIN THE LAST 30 DAYS A LATE PAYMENT WAS PLACED ON A CLOSED ACCOUNT WHICH IS COMPLETELY ILLEGAL AND IN VIOLATION OF 15 USC 1681EB EACH AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER PROFILE.

I HAVE PLEADED FOR A 1099C FORM FROM THIS CREDITOR AND HAVE BEEN DENIED THIS DOCUMENT, IN ATTEMPT TO CLAIM THIS ON MY TAXES.

PER IRS, ONCE THE ACCOUNT HAS BEEN CLOSED AS A PROFIT/LOSS, THE CREDITOR MUST ISSUE A 1099C FORM AND THE DEBT IS NOW CONSIDERED TAXABLE INCOME. REPORTING INCOME AS DEBT IS ANOTHER VIOLATION. 

I AM EXHAUSTED WITH RESOLVING THIS MATTER WITH THE REPORTING AGENCIES ( XXXX, EXPERIAN, AND XXXX ) I AM NOW SEEKING LEGAL ACTION AND MONETARY COMPENSATION AGAINST EACH REPORTING AGENCY FOR VIOLATING MY CONSUMER RIGHTS AND REPORTING INACCURATE INFORMATION. I AM SEEKING {$1000.00} PER VIOLATION FOR VIOLATING 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint about errors on my personal consumer reports. There is currently erroneous information reporting on my credit report. I will attach a screenshot of it. I tried resolving the situation with the company many times. It seems all I kept getting was automated answers when I wrote them. When I got an employee over the phone, they never followed through with what we discussed. This is an ongoing issue that is affecting me and which I have mentioned to them. Any engagement I have tried with them did not fix the errors. 

The XXXX  Credit Report shows inconsistencies in the reporting. What XXXX is reporting is not what XXXX  and XXXX  is reporting. XXXX  is reporting that I was 30 days late in XX/XX/2019, while it shows on XXXX  and XXXX that I was late 60 days in XX/XX/2019. I went and checked my bank statement and I have the autopay draft shown deducted in XX/XX/2019 at the regular base rate while on XX/XX/XXXX it showed the draft payment include a past due charge. How is it that autopay is being assessed a past due amount? What is their policy for autopay failing? I have never received any notification of adverse actions that would be included on my report from VW. I thought that was something they were supposed to make me aware of and afforded an opportunity to rectify. I nearly had perfect credit which reflect I am trustworthy, and it is inconsistent with my behavior patterns to be paying late. I mentioned how I have never been late in 25 years of leasing. I believe all the written answers I was getting from them was from a machine. Since I have not been able to get a response from a human in writing from the company, I figured I will complain and express my confusion here to get some answers. 

Im including excerpt of when payment was drafting from XX/XX/2019, XX/XX/2019, XX/XX/2019, and a bank statement showing the itemization of the XXXX payment. Altogether, those documents will reflect the regular base pay, which was consistent in XXXX and XXXX at {$820.00}. The transaction in XXXX show a total of {$880.00}. Another thing that raised concerns was the past due fees was the same as the sales tax at {$54.00}. I am wondering how they managed to attach past due fee to an autopay, let alone figure out in what accordance they are calculating those past due fees. All I have been requesting as a solution is a reversal of those late payment remarks to reflect my true credit worthiness. It is already a difficult time that we are in. And I have noticed they annotate it in my report that this account has been affected by natural disaster. However, that is not helping the issue as my only late payment on record are outside of that window when Covid 19 started. It is a mistake completely unrelated that is lingering and adding to the tough time we are all experiencing. I would like for VW to investigate my file further and realize that my request is reasonable with past payment history that goes beyond 25+ years. Not one late payment from no other creditors during that time. This is truly a misunderstanding my family need corrected.
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS RESET MY CREDIT REPORT AND REVERSE THE ACCOUNTS THAT ARE CLOSED UNDER MY NAME AND PUT THEM BACK AS A OPEN ACCOUNT AND USED A OLD DATA BACK ON XX/XX/2023 THESE ACCOUNT THAT WERE CHANGE FROM CLOSED TO OPEN AS OF XX/XX/2023 XXXX XXXX DISPUTE THIS AS FRAUDLENT ACCOUNTS THIS ACCOUNT IS CLOSED NOT OPEN XXXX XXXX BALANCE {$390.00} THIS ACCOUNT CLOSED WITH A ZERO BALANCE PLEASE DISPUTE IT AS A PAID OFF ACCOUNT XXXX XXXX XXXX DISPUTE THIS AS A CLOSED ACCOUNT WITH A ZERO BALANCE {$0.00} THIS ACCOUNT WAS CLOSED A MONTH AGO CURRENT XXXX BALANCE {$32.00} THIS ACCOUNT IS CLOSED AS ZERO BALANCE DISPUTE THIS XXXX XXXX XXXX XXXX THIS ACCOUNT IS FRAUD PLEASE DISPUTE AND BLOCK THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report I noticed that there were multiple inquires that were listed that didn't belong to me. I've never applied for anything with these companies, nor have I ever even heard of them. Here are the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX