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

Re : Formal Complaint Against XXXX XXXX, Mortgage Account Number : XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against XXXX XXXX  regarding the mishandling of my mortgage payments and the subsequent reporting of a late payment to the credit bureaus. 

Background Information : Account Number : XXXX Mortgage Holder : XXXX XXXX Date of Incident : XX/XX/year> Mortgage Payment History : 42 on-time payments with XXXX ( none late ) ; no late payments across multiple mortgages with other banks. 

Summary of the Issue : In XX/XX/year>, I was enrolled in autopay for my mortgage with XXXX XXXX. However, without my knowledge or consent, XXXXXXXX XXXX system inexplicably turned off my autopay, resulting in my mortgage payment not being processed on time. 

On or shortly after the first of XXXX, I received a call from XXXX XXXX  informing me of the missed payment. I immediately provided the XXXX operator with instructions to process my payment. The operator assured me that the payment had been processed and that everything was in order. 

However, the following month, I was shocked to receive another call from XXXX XXXX, this time informing me that my XXXX payment was now over 30 days late. I once again provided the same payment instructions to the second XXXX operator, who assured me that the payment was processed correctly this time, and indeed it was. 

This situation arose due to two critical failures on the part of XXXX XXXX  : Autopay System Failure : XXXXXXXX XXXX system inexplicably turned off my autopay without my knowledge, which led to the missed payment. 

Operator Error : Despite my prompt action to rectify the situation in XXXX by providing payment instructions, the XXXX operator failed to process my payment as promised. 

As a result of these failures, XXXX XXXX  reported my XX/XX/year> payment as 30 days late to the credit bureaus. This reporting is unjust and inaccurate, given that I took immediate action to resolve the issue and relied on the assurances provided by XXXXXXXX XXXX representatives. 

Steps Taken to Resolve the Issue : I have made multiple attempts to resolve this issue directly with XXXX XXXX, but my concerns have been dismissed. Despite my long history of on-time payments and responsible financial management, XXXX XXXX  has refused to take responsibility for their errors or to correct the inaccurate credit reporting. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist me in compelling XXXX XXXX  to withdraw the late payment report from the credit bureaus. This erroneous report has caused unwarranted harm to my credit standing, and I believe it is essential that XXXX XXXX  be held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I am, as it stands currently, a student at XXXX XXXX XXXX XXXX in XXXX, MA ( at least until they drop my classes come XXXX XXXX ). XXXX is the number XXXX XXXX school in the country and costs close to {$60000.00} per year in tuition, fees and housing. As you can see, financial assistance is in almost every case necessary and I was n't born into a wealthy family. However over the course of my adult life I have taken steps to turn the tides on my family 's financial situation. So, with excellent credit, I had no need for a cosigner when I first borrowed money from Discover Student Loans in XX/XX/XXXX. Now, in XX/XX/XXXX, the only thing that has changed for my credit is the nearly {$80000.00} I have borrowed from Discover to pay for my first two years of school via their self-described student loan program. 

With less than 60 days before my next XXXX payment is due and after close to two years of financing me, Discover suddenly decided I am in need of a cosigner. For some students this would be a non-issue, but for me it 's a devastating conclusion. None of my friends, family or extended family have been able to get approved through Discover to be a cosigner. Not only that, but they were refused for Parent Plus loans through the university. I have utilized all of my available subsidized, un-subsidized loans and Federal XXXX XXXX options amounting to about {$8400.00} per semester ; and was depending on Discover to finance the balance, as they did in my first year-and-a-half, to cover XXXX 's tuition of approximately {$60000.00} per year. 

There should be no reason why a student with good credit history, who is only indebted by Discover Student Loans who agreed to lend them money in the first place, should be denied the funds to finish his or her education. With two years left to go for my XXXX degree and this last-minute demand for a consigner, I find myself too late for scholarship deadlines and with no financial options. Without my XXXX degree and the earning power it would provide me, it will be a struggle to even begin to repay the money already borrowed from Discover. 

I would like to see Discover Student Loans bound by 4-year degree contracts with their clients that state Discover Student Loans can not terminate financing until a degree is completed or the four years concludes, whichever comes first. Regardless of the need for a cosigner, Discover should not be able to plunge a student into debt by trying to renegotiate their contract midway through and without the promise of a degree. 

Discover has the right to change its policies but should not change things up arbitrarily and suddenly for students who are proven good customers and who they know have no other options. Imagine buying a house or a car and only getting half of the loan necessary so you ca n't actually buy the house or car but still have to pay the bank for something you never actually received. It is bad policy for a financial institution to renege on its obligation to a student halfway through the pursuit of a college education.
Product: Credit card or prepaid card

I found unknown charges in my business account at the bank that services my business in small amounts as debits in the mount total of {$780.00} when I questioned the debits was told they were charges from a XXXX XXXX that had been paid and were not to be contested or refunded to me. Since I had not applied nor received a card statement or any record I found out XXXX is a card service of Wells Fargo Bank I found a phone number XXXX XXXX XXXX I called and spoke to a XXXX XXXX who told me was going to E Mail me account agreement, statements etc. but I never received it, I called again and spoke with the same request to a XXXX XXXX who said was sending me the requested information but after several weeks I had not received the information. 
So at this point I believe I have been defrauded by both banks. 
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Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, XXXX, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed Portfolio Recovery Associates and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.
Product: Credit card or prepaid card

I received a bill from Comenity in XXXX for {$100.00} for charges I did not make. There were 11 transactions made all on XX/XX/XXXX with the description XXXX XXXX XXXX XXXX. I did not do anything when this was received as I am not familiar with Comenity and do not have an account or card with them and thought this was a scam. XXXX I received another bill from Comenity now {$130.00} as they added on a late fee & interest to the bill. XX/XX/XXXX I spoke to a representative at XXXX XXXX XXXX XXXX and they told me Comenity is a bank and they showed an account with them from XX/XX/XXXX and I would need to file a dispute with Comenity. XX/XX/XXXX I contacted Comenity and was told this credit card was XXXX and in XX/XX/XXXX transferred to Comenity. We never received a card from Comenity and thought we cancelled the XXXX card. We cancelled the Comenity card then and filed a claim with Comenity. Was told to make a Fraud report to the Federal Trade Commission and their website directed me to the Consumer Financial Protection Bureau. I am still waiting confirmation of the closed account and outcome of the claim.
Product: Mortgage

On XX/XX/XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XX/XX/XXXX, Chase approved me for a Trial Payment Plan ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). 

At page XXXX, paragraph XXXX of the Trial Payment Plan, it explicitly states that once the modification is complete, " Chase will report the modification to the credit bureaus as modified under a federal government plan or loan modified based on the modification type and will report my loan as current if payments are received within 0 to 29 days of the due date ''. I complied with the terms of Chase 's Trial Payment Plan, and Chase did not report to the credit bureaus. 

XX/XX/XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

Chase 's Agreements contain various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to both parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to not comply with the terms of the Agreement regarding reporting the modified loan to each credit bureau. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer and breach the terms of its Agreements. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the Trial Payment Plan and Modification Agreement. These payments are from XX/XX/XXXX going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
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.

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 c
onsumer 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 XXXX 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: Credit reporting or other personal consumer reports

These Accounts doesn't Belong to me : 1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On or about XX/XX/XXXX- Capital One Bank made a hard pull of my credit without consent or application for a " XXXX '' card product in my name. I was alerted to the situation via XXXX and XXXX credit monitoring to which I subscribe. 

I contacted the bank and reported to them that I did not make application for the card. Bank representative asks several questions in regards to whether I was sure it was not me, I confirm it was not myself and report to them that the application must be fraudulent. 

The bank representative agrees and states that the account will not be created and no card will be mailed and the bank will rescind the credit pull with the credit bureaus to correct any negative effects on my credit. 

I begin to ask several questions about who could have applied for this card or where it was being shipped. The bank representative has no answers only stating that the account will not be activated so there is nothing more that needs to be done. 

I then report to all credit bureaus a fraud alert on my identity on XX/XX/XXXX. 

On XX/XX/XXXX I receive a Capital One XXXX card in the mail, to my home residence, with my name on it. 

As of today, XX/XX/XXXX, the credit pull inquiry from Capital One Bank still exists on my credit report for all bureaus.
Product: Student loan

RE:XXXX Letter apology sent by Citibank on XXXX/XXXX/2017 admitting a mistake and that say account will be deleted, but it still showing as deferred on my credit report as of XXXX/XXXX/2017.
Product: Debt collection

Professional Finance Company called me and would not verify anything regarding their call. I do not know who these crooks are or what amount they believe I owe. I have received no information via mail nor telephone.
Product: Student loan

I 'm on an income based repayment plan, they never notified me when they needed me to update my information for the year. I was told all that information was on their old website and I never would have gotten notification of it unless I specifically asked. I was put in forbearance for 2 months while they figured it out and I submitted their information, then I started getting notifications that I was behind on payments and they had no records of the dates I was giving them. It ended up putting me in forbearance for another couple of months while things got straightened out.
Product: Debt collection

They are calling my cellphone. I ride a motorcycle. My headset answers calls automatically so my family can reach me. I can not hang up without pulling over. The distraction is most dangerous. 
I have not been able to talk to a human at the company ( gulf coast collections ).
Product: Debt collection

On XX/XX/2021 at XXXX I received a call from the telephone number XXXX there was an automatic message that said this was my last chance to pay them and solve a problem or they were going to sue me and withhold money from my paycheck. The recording said if I wanted to speak with a live agent to press the # 1. I did so and XXXX at extension XXXX came on the line. XXXX said that he was with XXXX XXXX XXXX XXXX. He said that their company pays all three credit bureaus to hold accounts with them and that they had the ability to collect. He said that his company had all of my information including my social security number, bank account, and where I was employed. I tried to explain to him that I do not owe a debt with them or Allied Cash Advance. He still insisted that I did and continued to threat that they will take action. They are making false statements and representation, trying to collect wrongfully on a debt that is not owed. They threatened to contact my employer and withhold money. They continue to contact me after I have asked them not to.
Product: Credit reporting or other personal consumer reports

According to the federal Credit act this creditor Has violated my rights On the fifth teen 8 c section 602 that I have the right To private. And it also states that I that a Creditor can not furnish an account without My written instruction. A tread creditor can not treat payment Or credit card account under an open Credit plan as late For any purpose.
Product: Debt collection

Hunter Warfield Inc put and debt on my credit for {$110.00} XX/XX/XXXX on behalf of XXXX XXXX  - The XXXX located in XXXX XXXX, XXXX. The original date stated was XX/XX/XXXX. It was wrong. I contacted them on XX/XX/XXXX when I received a strange email stating I owed money. I already disputed this action before I had no idea what they was talking about. So when it was placed on my credit again for the second time and they sent me a letter to my correct email. I sent them the receipt of payment from XX/XX/XXXX after I called around to find out who this company was. The company went in and changed the original letter after receiving my receipt and still are saying I owe when I never did. It should have never went to collections. Also the company that sent it out no longer exist due to fraudulent activity confirmed by new owners. Hunters Warfield placed this on my credit two times effecting it by XXXX points both times with a total of XXXX points. They was very rude, inconsiderate, and sent out another set paper telling to go to the police station and fill out a report. I paid my invoice and showed my proof, I shouldnt have to go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

On or around XX/XX/XXXX, Acceptance now at XXXX XXXX in XXXX XXXX Va was advised via a phone call that payment would be made on XX/XX/XXXX. They proceeded to make two phone calls on XX/XX/XXXX and left two voice mails on my cell phone. One at XXXX and another at XXXX. In the 2nd message the man stated " calling in reference to my commitment to make a payment today still need to get that payment in today call us back at XXXX ''. Never stated his name and made reference to a debt owed on my voice mail. When I called back and requested to speak with the man who had just left the message on my phone, I was not given his name as he would not give it to me, only kept saying what can he do for me. I advised him I told them the payment would be paid on this date and they have called me twice and left two messages on my voice mail. The day is not over yet and the payment has been made. He never apologized for the multiple messages or his disgusting attitude towards a customer. I would never recommend anyone to do business with this company.
Product: Checking or savings account

I depoisted a check into my XXXX XXXX XXXXXXXX XXXX ON XXXX XXXX SINCE I RECENTLY OPENED MY ACCOUNT I WAS TOLD IT WOULD BE A HOLD OF FUNDS UNTIL XXXX. ON XXXX I CHECKED THE ACCOUNT AND THE FUNDS WERE NOT IN THE ACCOUNT. I CHECKED THE ACCOUNT ACITIVITY AND SEEN THAT MY DEPOSIT WAS MADE ON XXXX, AND ON XXXX THE CHARGES WERE REVERESED.I CALL THE BANK AND WAS TOLD MY CHECK WAS INVAILD AND NOT GOOD. I RECEIVED A LETTER IN THE MAIL ON XXXX SAYING MY CHECK WAS INVALID AND IT WOULD BE RETURNED IN XXXX DAYS. WELL TODAY IS XXXX, I STILL HAVENT RECEIVED MY CHECK BACK OR A CREDIT TO MY ACCOUNT. THE CHECK IS A CLASS ACTION SETTLEMENT SO I KNOW THE FUNDS ARE THERE AND CHECK IS GOOD. NO ONE CAN HELP IN THE BRANCH LOCATION OR OVER THE PHONE
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to XXXX, XXXX, and TransUnion multiple times and they have yet to respond to me with the proper verification of the bankruptcy they are reporting on my consumer reports. Sometimes they won't even respond at all. It has been over a year, and they have yet to remove this bankruptcy. Last year in XXXX 2024 XXXX stated they verified the account with XXXX XXXX. XXXX XXXX replied saying they could not locate the bankruptcy that XXXX is claiming to verify. They sent me a letter showing it was not found. So how can these companies continue to report this on my consumer report. I Sent a new letter XXXX. They have no permissible purpose and it simply states in 15 USC 1681b these companies must have permissible purpose. I also contacted the US Bankruptcy court and XXXX they both responded that they do not provide XXXX, XXXX, and TransUnion with any information. These companies are violating my rights as a consumer and the CFPB is supposed to protect me from companies like these.