23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Harley Davidson ( XXXX ) has been calling my cell phone number repeatedly, looking to collect from a person named XXXX XXXX, who, it seems, listed their number incorrectly when purchasing something. I was very polite at first, letting them know they had the wrong person, and they should find another way to get in touch with that person. In the last XXXX weeks, I believe I have received XXXX calls from them ( sometimes XXXX attempts in a day if I don't pick up ). I have now spoken to them at least XXXX times, now demanding that they remove my number and stop calling. But the calls persist. I am at a loss at this point as to what action to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Checking or savings account

Wellsfargo is constantly charging me overdraft fees one right after another. I remember in a span of not even a full week they charged me 6 overdraft fees. First off if someone is already short on funds why would you charge them so much, especially 6 in a week. There should be a cap limit. Also when I called they said that I would have been notified to fix my account before being charged a overdraft fee. Yet I am never notified until it is too late and my account has already been charged. All of wellsfargo notifications come late as well as deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. DEPT OF ED/XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX / XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

RE : Making Home Affordable Incentive Payments With the addition of the {$5000.00} Principle reduction incentive payment ( see here : XXXX ) XXXX issued a letter ( see attached ) notifying lenders/servicers that they send a notice to borrowers who qualify of the option to reamortize or recast their loan. The document specifically states : The servicer must ... 
provide written notice of an option to re-amortize the UPB, excluding deferred principal, over the remaining term of the mortgage loan if at the time of the notice the mortgage loan is in good standing. 
The written notice must be provided at least 60 days, but no more than 120 days, prior to the sixth anniversary of the XXXX HAMP modification effective date ; give the borrower at least 30 days, but no more than 180 days, from the date of the notice to respond to the re-amortization offer ; notify the borrower of any changes to principal and interest payments as required by applicable law ; specify changes to the payment schedule as a result of the re-amortization and total interest to be paid during the remaining term of the mortgage loan after the sixth anniversary of the XXXX HAMP modification effective date, both with and without the effect of the reamortization ; and include the contact information of the servicer and instruct the borrower to contact the servicer if the borrower has questions or concerns about the re-amortize offer. 
Not only did I NOT receive the letter from Ditech, I 've called many times and they will not send the letter. Further more, I was told on the XXXX/XXXX/XXXX when I called in by a supervisor, that my loan did not qualify for a recast! Their customer service reps as well as their supervisors are uneducated on the matter or playing dumb. Of course the consumers can only gain from the recast lowering their monthly payments and the date the PMI falls off which means less money for Ditech. I shudder to think off uneducated borrowers missing out on this opportunity simply because the folks at Ditech refuse to be in compliance with XXXX guidelines. I should have received notice XX/XX/XXXX but I did n't. And I was also told by a rep. that they were not required to send the notice of recast until the incentive payment was applied which is a lie. 

Ditech needs to be investigated and fined for their mishandling of this as well as perhaps thousands of other consumers.
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 confidentially under 15 USC 1681. Act Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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

I have about XXXX different student loans that is currently with Mohela/Dept of XXXX ( at least that is how it is reported on my credit report as of XX/XX/XXXX ). All XXXX of the loans reflect a late payment in XXXX of XXXX of 90 days past due. My problem with this inaccurate information is that my credit report is reporting that the XXXX and XXXX of XXXX payments are in good standing/on time. 

How can XXXX of XXXX be 90 days past due without XX/XX/XXXX being 30 days past due and XX/XX/XXXX being 60 days past due? 

I have raised this issue with Mohela and all XXXX of the credit bureaus and no one can seem to provide me with a reasonable explanation. I believe the problem comes from the prior loan servicer inaccurate data. 

Since loan payments are paid monthly and this one loan payment is reflecting as 90 days late, but I have XXXX loans listed on my report, this inaccurate error is impacting my report XXXX.
Product: Debt collection

I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages.

I was not sent a letter of Judgment, Affidavit of Service or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is not have I been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.

Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Today I spoke with the COMPANY CREDENCE RESOURCE MANAGEMENT REPRESENTATIVE XXXX XXXX they informed me that I had an XXXX XXXX in the amount of {$190.00}. and it has been placed on my consumer report dated XX/XX/2023 this company has stolen my identification, they have placed the fraudelent account on my consumer report without notifying me by phone or written communication per 15 usc 1692 c ( b ) they are supposed to have communicated with me before placing anything in collections on my consumer report. They also informed me that they are debt collector agency which is also a violation of 15 usc 1692. They have not only violated consumer law they also have committed identity theft as well.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( 2 ) ( a ) ( i ) A charge off is considered ordinary income. Since ordinary, transactions or experience are not allowed to be on a consumer report. They have to be removed. Here are the 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. Also not one of these accounts have sent a 1099-c forum for any of these accounts. Please remove immediately.
Product: Debt collection

Got a mattress from mattress firm 2 years ago through synchrony bank and somehow after 2 years of paying on time every month my balance was only {$40.00} lower than the original. So I inquired about this and was told I had to pay it off in a certain amount of time or get charged {$400.00} plus back interest. This was not told to me upfront. So I said yea I'm done with that. Now they call multiple times a day and on Sundays.
Product: Debt collection

Had a Auto loan with XXXX. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that XXXX charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with XXXX on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family lives in XXXX and when XXXX attacked XXXX I was obligated to fly to XXXX to save my family and help them run from there to not to die. 
The situation was horrible there, the building were my family was living was bombed. I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXX.I contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AUTOTRAKK. I have always made my payments on time yet there was a 30-day late and collection state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, collection, and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for several months been disputing with the credit bureaus on inaccurate information on my credit report from the creditor. However to no avail I have not made any progress. 

I am writing to challenge the reporting and compliance on an account with XXXX that is being reported on my credit report with incorrect information. 
More specifically, I am referencing the fact that bureaus are reporting inaccuracy in the length of late pay on this account prove of who validated this account from the wrong payment/amount owed, date opened that does not match with TRANSUNION, XXXX  & XXXX. This improper procedures is highly damaging to my credit score. 
I have complained about XXXX bank on several platforms and through CFPB as well to find out that its the same result.My biggest concern is with all the documents i have submitted through the CFPB on these errors the bureau is allowed to keep updating and correcting these errors that are clearly wrong without proper verification. This account should have been deleted from my credit profile. I showed the errors in late payments, inaccurate dates of when this account was open as well as amount due through this platform and it comes back verified. I asked for prove of verification and it comes back verified with no prove. I thought that all information reported must be in good faith and lawfully correct. How can i have one bureau claim i paid on time and the other stated 60 days late verified after i file a complaint through your department. 
However, all reported data must be completed, correct, and proven if challenge. I dont know how the credit bureau validate wrong information without adequate compliance of state and federal laws being applicable throughout.
Product: Credit reporting or other personal consumer reports

I send a opt out letter to on XXXXXXXX XXXX XXXX to Volkswagen credit base on 15 USC 6802 not to have my nonpublic personal information reported to the CRA 'S. They respond stating that my request was frivolous or irrelevant.
Product: Mortgage

am writing XXXX XXXX to inform you of a significant error on my account. In XXXX of XXXX, my account went into forbearance because I was ill with XXXX and could not pay my loan. I did not make any payments on my loan for XXXX year. In XXXX of XXXX, I received a letter from XXXX XXXX stating my escrow was negative {$1800.00} and that my monthly payment would go up due to the escrow being shorted. On XX/XX/XXXX, a payment of {$1800.00} was received with words stating it apply to the escrow account ; however, the payment was held due to the account being in forbearance. On XX/XX/XXXX, I applied for XXXX XXXX XXXX, and the application was successful on XX/XX/XXXX. On XX/XX/XXXX, I was notified by the XXXX XXXX XXXX XXXX my application XXXX had met the qualification and requirement for the program and would be notified when funds have been transferred to my mortgage servicer XXXX  to bring my account current as of XX/XX/XXXX. I contacted XXXX to verify if funds had been received and they had not ; however, I spoke to someone in the escrow department, and they let me know that I was short {$39.00} for the payment that was received on XX/XX/XXXX, and that if I paid over the phone, it would be applied to my escrow and an escrow analysis would be completed on the account. The mortgage payment should return to the original mortgage of {$2700.00}. On XX/XX/XXXX, I received an email from the XXXX XXXX XXXX stating they disbursed to XXXX a {$35000.00} payment that would bring my account current to XX/XX/XXXX, making me responsible for my XX/XX/XXXX payment. However, I have spoken to many supervisors and loss ligation representatives where there is a disconnect. XXXX XXXX XXXX received their final numbers from XXXX ; XXXX provided them with the amount that would bring my account. My account is currently delinquent because there is a missing payment. XXXX told me they would fix this, which has yet to be fixed. 
I was told by a supervisor I would need to contact the XXXX XXXX XXXX and reapply, which I did and was denied based on my qualifications. XXXX XXXX has yet to try to resolve the situation with the payment, which is causing hardship on the account. There is a payment that needs to be included. XXXX communicated with XXXX XXXX, stating there was no overage. They will not pay the additional funds due to XXXX mistake. I am asking for this to be handled promptly, 30 days from the date of this letter. Otherwise, attorneys will be involved. I have attached a copy of the email from XXXX  XXXX of the amount paid and that it would bring the account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy not being updated, reporting my full s.s. number and violating my right to privacy. There should be a signed letter by me stated it's ok to share my personal information.
Product: Debt collection

I sent a debt validation request to Hunter Warfield on XX/XX/year> via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They received it on XX/XX/year>XXXX  but failed to provide validation. Instead, they updated the account on my credit report on XX/XX/year>. I sent them a follow-up letter with a Notice of Violation via certified mail on XX/XX/year>. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are required to cease collection activities, including reporting to credit bureaus, until they verify the debt. Since they failed to provide validation but continued reporting, I am requesting that the CFPB investigate and require them to remove this account from my credit report immediately.