23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In 2012 Statebridge did a loan modification on our mortgage, we were made to understand that we will get relief for the rest of the loan term and our loan term was extended to, unknown to us, they had indicated that the loan will rest to original note after 60 months. Now the original loan was a construction loan through k bank at an interest rate of 5.95 %, after the payment started, we reached out to XXXX XXXX and the rate was reduced to 4.9 % for the rest of the 30yr term, we had trouble making payments and Statebridge modified the loan, however upon selling the loan to other servicer, Statebridge and indicated the loan to be reset to 5.95 % instead of the 4.93 %, please refer to the modification doc and review your existing term and the new term on the last page of the modification. XXXX XXXX had sold the loan to XXXX at rates of 4.93 % and the same was sold to you, why did you revert to the 5.95 % of the construction loan. Now what was meant to be a relief is now a burden, we got a relief for 5yrs and now burden for 35yrs.
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 XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, AND XXXX 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  XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I will start with my original issue with the company XXXX XXXX XXXX : on XX/XX/XXXX I purchased a vehicle and took out a loan through XXXX. That vehicle proceeded to fail Massachusetts state inspection 3+ times. The dealer and XXXX were both contacted and informed. The dealer proceeded to make some repairs and the vehicle still failed again. And again. And again. I tried returning this vehicle but unfortunately I did not go through the proper steps. that aside. XXXX never made one effort to contact this dealer. They never once tried correcting this issue and because of this. I am paying on a {$6000.00} loan with a 24 % interest rate for a vehicle that has been sitting in my yard. Undrivable since XX/XX/XXXX the day I bought it. This vehicle qualified under the Massachusetts lemon aid law MGL chapter 90 section 7n and XXXX made no efforts to see through to their end of the contract by providing me money for a vehicle that WILL pass inspection. They trapped me into a loan for a vehicle that TO THIS DAY HAS A REJECTION STICKER ON IT. So that is my first issue. 


Let me go on to my second and most concerning issue I have with XXXX, the inaccurate credit reporting. Firstly. XXXX has granted me a deferral for the payment due in XXXX. They later on said that there was NEVER a deferral given to me. Months later I found the original deferral contract ( which I have ) and they still deny it. On top of all of this. They have been reporting that I am over 30 days late for the month of XXXX. And over 60 days late for the month of XXXX. I will provide pictures of my payments. 


Please note this!!!!!! : I have a video/ audio recording of a phone call with XXXX of them acknowledging that I was not late! They told me in a phone call that my issue would be corrected and my info would correctly be reported to the credit agencies. BUT THEY NEVER DID!!! And they deny that anyone ever told me that! Also there was a confusing phone call made on XX/XX/XXXX where it was stated that I was caught up to date. Later on come to find out they tell me I was not up to date. And nobody ever told me that. So rest assure. If you find the phonyou call between XXXX and myself on XX/XX/XXXX you will clearly hear a XXXX employee tell me I am caught up to date. 



PLEASE HELP ME. I have been dealing with COUNTLESS similar issues with XXXX and it is never ending. I am on my last straw. I am in the process of filing against them in small claims court for the full price of the vehicle. XXXX shouldve voided the contract as soon as they found out the vehicle failed inspection. But they didnt and now Im trapped in a loan for a vehicle I couldnt use since day one. And not only that but they are inaccurately reporting on my credit which is INABLING ME FROM DOING ANYTHING XXXX has tarnished my credit illegally and now my wife and I are having an extremely hard time buying a house, and getting another vehicle. Because I am trapped in this loan. Please help me ( also innacuratly reporting my payoff balance to the credit companies for the entire time Ive had this loan )
Product: Debt collection

Original provider XXXX XXXX XXXX. Never sent a bill. Only found out it was there from a collection on credit report. Called insurance and they never submitted a claim. Current debt collection refuses to file on insurance wants full amount before insurance. Original provider says they cant file because they sold the debit. Current collection Avante USA. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get information as to why this company XXXX has paperwork signed by me on a debt they are unable to prove with original promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of transunion misreporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

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

Pursuant to the previous complaint filed against Security Finance, I submit to the CFPB as evidence A Redaction in the attached Cease and Desist Letter I received dated Thursday XX/XX/XXXX. 

In this letter Security Finance admits to a conversation I had with them the day before dated XX/XX/XXXX asking them to cease and desist their phone calls ... Prior to XX/XX/XXXX I had asked Security Finance numerous times to stop calling me a request they categorically and systemically ignored until I took it upon myself to contact their corporate office ... I am putting the content of the letter here for ease of reference as well as attaching it as a file for consideration. 

XX/XX/XXXX Dear Ms. XXXX : This is in response to a request we received from you on XX/XX/XXXX. Pursuant to your request, we have noted in your account below the cease and desist of collection activity and communications ... As permitted by law this letter shall serve as our first communication to you. 

Loan Number ( s ) XXXX Even though you have chosen to end contact on this debt, you are still obligated to to repay your loan. Please contact the branch to discuss your circumstances and arrange for the repayment of this debt. You can reach the branch at the address or number below. 

While we will end all future communications, all applicable late fees, charges and collection costs will continue to accrue on your account. The reporting of accurate data is an essential obligation of Data Furnishers under the Fair Credit Reporting Act, 623 ; therefore, we can not change or dele On Behalf Of : Security Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Security Finance Co. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX Date of Loan : XX/XX/XXXX Original Loan Amount : {$450.00} Amount owed as of today Monday XX/XX/XXXX is : {$540.00} for account # : XXXX This amount owed reflects a payment made on XX/XX/XXXX for {$87.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to investigate personal information as well as accounts I did not recognize on my Experian report. I sent in identifying documents such as drivers license and SSN card. I received a letter saying they were not going to reinvestigate my claims and they sent me a copy of my credit report with the same information reporting incorrectly. They also asked for me to send in ID and SSN In order to effectively handle my dispute however I had already originally sent the SSN and Drivers license in with the original dispute which leads me to think they never viewed or investigated any of my concerns instead they just sent an automated rebuttal letter refusing to fix the errors they are reporting on my credit.
Product: Checking or savings account

I have had numerous problems with this bank, M & T Bank, mostly with fees. Over the past few years I have had thousands charged to me in fees. Albeit a lot is due to overdraft charges due to financial struggle related to the pandemic, but I have had my statements changed around to depict me over drafting my account when it was actually M & T charging me account service charges. 

I have had deposits essentially go missing, in part or whole, and have never gained any assistance from the bank or even any concern over my well-being, though that is purely a customer service issue. 

Recently I deposited a $ XXXX check that was a 1 day clear check from a bank and customer Ive dealt with before so no issues of available funds from the issuer of the check. I was told the check would be available after the holiday and that the holiday delayed it, which I havent had issues with before, and then today I was told a four ( 4 ) day hold was placed on my account, although they are allowing other charges to go through and continue to overdraft my account which will cause me to have even more fees. 

I am convinced this is retaliatory, unfair and continues this trend of M & T causing their consumers to be charged fees, which in my research I have found this bank has had legal troubles in the past with this same issue. This action leaves me with no money, is inconsistent with hundreds of other deposits Ive had with this bank with no issue and is causing me even more financial hardship with the charges this will create. 

I believe this bank is acting, in the very least, unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

American First Finance is reporting inaccurate information regarding my account. On XX/XX/XXXX, they reported me as being 30 days late w/a loan balance of XXXX and a XXXX month term at $ XXXX. This has dropped my score XXXX points. My loan payments are $ XXXX, my account is current and my payments are $ XXXX. Its almost like they input someone elses information on my account in error. I have contacted them on XX/XX/XXXX and XX/XX/XXXX and the representative advised me that my issue will be routed to their escalation team and call me back. They apologized for the error and says, their credit team would fix this problem. This account was reported to XXXX.
Product: Debt collection

On XX/XX/21 I noticed this company on my credit report. I have no idea of who they are and doesn't have any outstanding debt. I have never received an bill or call regarding this bill. It has caused my credit score to fall.
Product: Credit card

I believe that I am a victim of a scam operated by Concora Credit. This company has not only denied me access to usage of my account without providing a reasonable explanation or solution, they have also charged {$300.00} in user fees to my account. 
I was approved for a credit card with a {$700.00} limit on XX/XX/XXXX. Upon notification of approval, I received a Destiny Mastercard, which I activated. Immediately after activation, I attempted to make several purchases which were declined. As a result I contacted Concora, and was informed that they had placed a block on the account due to identity verification. I was advised that I would need to provide a copy of my driver 's license to verify my identity. I quickly complied with the request on XX/XX/XXXX. As of today, XX/XX/XXXX, there is still a block on my account, and I have never been able to use the card. Despite multiple phone calls to customer service, the company has refused to provide me with any additional information beyond " the identification documents are pending review ''. Additionally, they do not send any communications regarding the status of the block, I have been told that I have to call to receive this information. 
Recently, I called again to make a payment, and to also inquire about the status of the block. During this call, I was informed by a manager that the block would be removed in 7-10 days. He was unable to explain why the block had not yet been removed. On XX/XX/XXXX I was still unable to make purchases. I called customer service again, and was informed that an additional block was placed on my account for " suspicious activity ''. During this call, the manager refused to provide me with any further information in regards to the potential fraud, and also refused to provide me with the name amd/or phone number of the department which was handling it. Additionally, I was told that I would not receive communications from the department, I would need to call periodically to receive status updates about the suspicious activity. 
It is now evident that Concora has no intention of extending credit to me, yet has every intention of collecting payments from me for their annual and monthly fees. The reasoning behind placing blocks on the card are dishonest, and false. It is highly unlikely for suspicious activity to occur on a card that has always been blocked from making purchases. The company has used deceptive practices by promising credit without ever providing it, and extorting customers to pay in order to avoid a negative report to the credit bureau. Additionally, this company abuses the credit reporting system by forcing customers to keep their accounts open to avoid a negative credit rating. Closing my account will lower my open credit amount, which subsequently will lower my credit score.
Product: Credit reporting or other personal consumer reports

I have 4 collection agencies trying to collect a debt that I do not owe them, they have improperly used my credit report to stifle my financial endeavors causing me to not have access to vital assistance from other parties. I never signed into any agreement with these companies and the fact that XXXX XXXX and XXXX is allowing access to these third party companies to damage XXXX citizens credit reports is insane. I have disputed these reports multiple times and ask for evidence that I have a signed agreement for the debt and have received nothing but a denied removal.

This was the statement I put in my dispute : I have no knowledge of who this collection agency is as I have never entered into any agreement to work with them, could I please be provided with evidence stating that I have signed into any agreement with this company.

I would also like to reference these codes 15 USC 1681b 15 USC 6802 18 USC 1028a
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :  XXXX  : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX    : :   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  T  XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on experian, and   XXXX   and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 loans on my credit report that do not belong to me I have not applied for these or used any of these I have no idea whos student loans these are or why they are on my credit report I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Product: Mortgage

So many obstacles in rebuilding my home from Hurricane Michael.  1st dealing with insurance company & then Bank had money was cause of work stoppage. Chase wouldnt cooperate with payments ask for in contract. Had to get ahold of Bank Executive XXXX XXXX XXXX Ex XXXX. Wanted XXXX & was sent XXXX & was stolen & never to complete home. Chase sold loan to XXXX XXXX & same thing, I cant get my money to finish my home. Wanting documents that dont exist. Ive spent over 200k making my home better & exceptable to pass to my daughter. Im a XXXX vet & Ive had to fight to keep my homeowners insurance because of bad bank support & contractor that was XXXX in XXXX  I have litigation against Contractor & Im getting XXXX  by the banking system. All I want is to finish this nightmare. Its hurt my health 10fold. Please help me. 
Thank you Respectfully XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kansas counselor placed an item on my credit report but didnt send anything in regards to the debt owed. They never once contacted me and refused to give me documentation of the debt owed. I then asked them for the information again it took them XXXX months to send me the information. I then contacted the original creditor and they didnt file my insurance that was given to them at the time of service. Most recently, my credit report has showed this on file for a collection and past due account. Had the debt collection done its job I would have be able to resolve the issue with the creditor in a timely manner. I would have not received a negative account on my report. When I talked to them they said it was problem to resolve and that I needed to pay this debt! This was neglect from them and should be treated as such.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain credit.It 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as accurate.
Product: Credit card

I recently was breaking down my statement and noticed that since XX/XX/XXXX my balance has not gone down. My last transaction was XX/XX/XXXX. My monthly payment has gone from {$30.00} to {$50.00}. I've noticed they charge a monthly service fee of {$15.00}, interest charge ( understandable ) and a " credit protection fee '' that has varied since last year. Based on my last statement my monthly payment was {$49.00}. I paid {$13.00} to credit protection, {$15.00} to a monthly maintenance fee and {$24.00} in interest fee on purchases. Which they are charging an interest fee on the credit protection. This totals {$52.00} a month. So leaving a - {$3.00}. So basically nothing is going into the principle balance. Yesterday I looked into my available balance and it was {$64.00}. Today it was {$13.00}. Looking into my XXXX statement payment due is {$50.00}. How is anyone going to get out of this credit card hole. No other credit card I have has ever charged these outrageous fees. I'm highly disappointed and feel this company is taking advantage of people. I've been with this card company since XX/XX/XXXX and noticed charges have varied. Attached below are all statements since I've had this account.