23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay servicing respond to the complaint, and only resolved 1/2 of the problem.  BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on 7 occasions ). This ongoing issue with Fay is hurting our credit score and the ability to get a mortgage.
Below is the email that I sent to Fay on 4 occasions, going back to XXXX, 2017. 
Hello XXXX, Once again thank you for sending the summary / account activity report on our account. 

Please note the following as to our account. 

We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years.
Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account.
The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. 
In closing the following corrections should happen to our account.
1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments.
2. Our account should not show ANY late payments.
Thank you in advance for correcting these errors on our account.
Please feel free to contact me with any questions.
Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!!
Product: Debt collection

Began calling on XX/XX/XXXX, called me 3x and left messages not informing me of what they wanted, but demanding I call immediately ( messages are saved ), called my father and lied about who they were on XX/XX/XXXX as well as claiming I gave them permission to contact him and called me still not leaving info on who they were the same day. 
I called and left a message on XX/XX/XXXX telling the callers not to contact my family and to stop claiming they had permission from me as they explicitly did not have permission to contact anyone other than myself and after a brief time I spoke to XXXX that same day who was rude and threatened to sue me, garnish my wages and said they had already damaged my credit by filing twice on my credit. She initially would not tell me who she was or what it was for until I confronted her when she admitted it was for a 3yr old debt to a school I went to. She claimed I owed over {$200.00} and I said I would contact the school and handle it directly with them. This call should be recorded as she claimed it was. 
I spoke directly to the school they claimed they were collecting from and was told I had no debt, after pushing for more information from XXXX I was informed I did have some books I owed money on and that the debt may have been sold. I requested to handle it directly with them since the company was claiming I owed more than what the school was and due to the harassment. The school said they would contact me via email or phone to confirm I could pay them directly. 
Contacted my sister and lied about who they were as well as also telling her I gave them permission on XX/XX/XXXX after I had already told them to stop harassing my family. 
I received more calls on the XX/XX/XXXX myself as well as the XX/XX/XXXX and XX/XX/XXXX. 
The company also harassed my aunt on XX/XX/XXXX and refused to identify themselves to her. 
At date I have not heard back from the school and have refused all further contact with the debt collectors. 
I'm happy to pay my books off, but not to the company that is harassing me and my family.
Product: Bank account or service

In XXXX of 2014, I had inquired about opening a personal savings or checking account with TD Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account. 

When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted. 

I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company. 

I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the " under balance fee '', if not the {$1.00} per month paper statement fee.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan with one main financial about XXXX ago roughly. Unsure of exact date. upon taking out this loan I was forced to pay child support as well as arears child support, my house payment increased by upwards of {$400.00} a month, my house had a slab leak and flooded and was not covered by insurance due to the age of the home which was unware to me at the time of purchase of the home and insurance policy. This was a {$5000.00} repair not including cleanup. On XXXX of XXXX I owed {$11000.00} somehow now a year later XX/XX/XXXX while making set up half payments with them at 30 % or less interest I currently owe {$11000.00}. They call me all hours of the day and even nights and weekends. At home, work, even on my work cellular. I have phone records for proof. Sometimes before the due date. Even after I try to set up an installment plan I can afford or asking for deferment options they continue to call and harass. I have even given them dates to which I will be paid and tell them I can make a full or partial payments on a certain date. They will continue to call and harass me, my job, and my work cellular phone. When a partial payment is mentioned I am threatened with the loss of the collateral as it is not a full payment. I have tried numerous times to have my payments amended to something more affordable but continue to be harassed when paying what I can. As before mentioned I have been contacted XXXX or more times a day on all numbers after or on the due date when payment is not received. I have explained numerous times I have a wife and XXXX children and have to have a home therefore that payment must be paid first and have been told they didn't so much care for that as long as their money was paid back but after making over XXXX years worth of payments the loan started at {$12000.00} and is Currently at {$11000.00} and from {$11000.00} the previous XXXX ( XXXX ) until the recently passed XXXX ( XXXX ) have only gotten {$23.00} worth of credit towards the loan. Any help with this issue would be greatly appreciated as I am doing all that I can to provide for my family as well as fulfill without my obligation preferably not being harassed day and night at home and at work.
Product: Credit reporting or other personal consumer reports

I tried correcting my address on my own, but they never corrected it, so I hired someone to help me, they send me an email, stating that I didnt send the information myself, and they were unable to respond. Where do that leave me. I cant despite any information without my address corrected. ( XXXX ) XXXX XXXX. Thank you. I cant apply for credit or mortgage without XXXX updating my address.
Product: Checking or savings account

Call chase Bank after I was affected by a fraud doing XXXX I send the money and after 2 min they call me that they hacked my sisters phone, I try to get myoney back as soon as posible I did the claim but they told me it wasnt possible since XXXX is cash. 
I blocked everything and got off from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion credit reporting company will not remove fraudulent information, XXXX XXXX XXXX XXXX
Product: Mortgage

Fifth Third uses fuzzy math. I do my calculations with the computer XXXX program for accuracy. 

Fifth Third table shows actual escrow balance {$2700.00}, when XXXX subtracts the {$1500.00} reimbursement, the balance is {$1200.00}. 

Fifth Third XX/XX/2019 statement shows escrow balance of {$1000.00}. 

This is short {$110.00} I also get the same math results of {$110.00} by using paper and pencil Issue a reimbursement check of {$110.00} Pay my homeowner 's policy on time in XX/XX/2019 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following inquiries, which are associated with the breach, be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions entitle me to have fraudulent or unauthorized inquiries removed from my credit report. 
Inquiries for Blocking and Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the XXXX data breach 1. my name is wrong or exaggerated under all 3 bureaus.

2. there are erroneous mailing addresses ive never lived at.

3. there is a social under transunion ive never seen 4. there is a giant list of phone numbers that have never belonged to me. 

there are SEVERAL XXXX dollars that i never authorized nor signed to open accounts with : I am not liable for these debts with XXXX I do not have a contract with XXXX. They did not provide me with the contract as requested for the following XXXX. XXXX acct XXXX with {$6500.00} in unauthorized charges US CODE 1681 I am not liable for these debts with XXXX XXXX XXXX. they do not have a contract with me as i have requested they provide for the following : 1. XXXXXXXX XXXX acct XXXX {$5800.00} in unauthorized charges US CODE 1681 i am not liable for these debts with XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX acct XXXX {$5000.00} in unauthorized charges US CODE 1681 2. XXXXXXXX XXXX acct XXXX {$880.00} in unauthorized charges US CODE 1681 3. XXXX acct XXXX {$2700.00} in unauthorized charges US CODE 1681 4. XXXX XXXX XXXX  acct XXXX {$1000.00} in unauthorized charges US CODE 1681 5. XXXXXXXX XXXX XXXX acct XXXX {$2300.00} in unauthorized charges US CODE XXXX 6. XXXX XXXX XXXX XXXX acct XXXX {$1000.00} in duplicate account charges US CODE 1681 7XXXXXXXX XXXX XXXX  acct XXXX {$580.00} in unauthorized charges US Code 1681 XXXX XXXX acct XXXX with {$1400.00} in unauthorized charges US Code 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$900.00} in unauthorized charges My information was compromised in the XXXX XXXX breach XXXX claim number XXXX XXXX and several of my accounts were sold illegally, and unauthorized charged were charged on my accounts. And my information has been confirmed as being on the dark web thank you for your assistance in this matter as well as your time and patience
Product: Money transfer, virtual currency, or money service

My phone wallet was stolen and there was numerous fraud instances on the cards and accounts. XXXX honored the fraud claims, but Zelle ( which I have never personally used ) did not honor, despite the fact that there was a police investigation and a clear perpetrator to the crime. I reached out to Zelle more than 6 times and each time they said they were investigating. The XXXX was XXXX, XXXX XXXX XXXX XXXX ) XXXX and the case number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my Equifax Credit Report # XXXX which is in response to my dispute to four accounts of XXXX  XXXX, XXXX AUTO and XXXX that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Equifax is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on XXXX XXXX!
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been a victim of identity theft and have filed the necessary paperwork to dispute all accounts such as a police report. However I have been attempting to dispute an account with Macy 's for over 8months and have provided the necessary documents with no success. They stated that they received the documents but never initiated the dispute.
Product: Student loan

I called an requested to be set-up with an income-driven repayment plan. I provided all the information required and was approved. I provided the information to have the payments deducted from my checking account. Navient was able to withdraw the first payment without an issue. All subsequent payments were rejected due to Navient entered the banking information incorrectly. I requested that Navient reenter my banking information and paid the current amount that was due as well as payments that were missed due to their error given that I escrowed the missed monthly payments. That payments was successful withdrawn. I am now being told I do not qualify for the amount agreed upon. They stated that I get a monthly bonus from my job after reviewing my bank statement. This was the farthest from the truth. Many of the agents are difficult to deal with given they have little knowledge of how to set-up payments in their system or make changes and corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I established a store credit card with XXXX XXXX XXXX XXXX XXXX the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as a manager of an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America . After realizing that I had gone severely DQ, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

Experian is reporting non mailable addresses on consumer delete immediately per Privacy Act 1974 see list below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Report only current address.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report today without any clear reason, which is incredibly concerning. I regularly check my report, but this time, there were strange discrepancies. Refreshing my browser didnt resolve anything, and the inquiries remain. I am extremely frustrated and demand that my documents be reviewed promptly to ensure this issue is permanently resolved.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, filed a dispute with XXXX regarding the XXXX XXXX  payment history not reporting correctly. On XX/XX/19, XXXX  sent results stating the investigation was complete and they verified with the XXXX   XXXX that the data was reporting accurately as " in deferment '' However, XXXX refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX  on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

XXXX refuses to update my credit file. I am still awaiting the letter from XXXX XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If XXXX does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EQUIFAX }. I believe these late payments are erroneous and do not accurately reflect my payment history. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX XXXX requirements.
Product: Credit reporting

My home went into foreclosure in XXXX of 2009 and both the mortgage holder and the XXXX ( XXXX ) signed off on the agreement. XXXX used XXXX XXXX XXXX as their servicing agent. A copy of the agreement is attached. I have made many attempts, but Equifax refuses to remove the XXXX debt listing from my credit report, thereby preventing me from obtaining a favorable interest rate on a home loan I am trying to obtain.