23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To whom it may concern, Im hoping to get this credit reporting issue resolved asap. There are 10 different accounts with XXXX reporting on my credit reports, XXXX, XXXX, XXXX, and other reporting angencies such as XXXX. These loans are currently showing closed and have all been transfered but have late paymens on each loan from XX/XX/XXXX-XX/XX/XXXX. The loans went into default in which I was unaware of. These loans should have never went into default because they were suppose to be in deferrement/ forbearance at the time they went into default. Once I became aware of the loans being in default, I was told I could do the loan rehab and make 9 payments of $ XXXX  monthly and the loans would be back in good standing. I enrolled into the program and set up automatic payments. I have been trying to get this information corrected for quite some time now. Everytime I call in to XXXX, I speak with a different person who seems to give different information and or tell me steps to take to get the incorrect info removed. Starting back in XX/XX/XXXX, XX/XX/XXXX, I spoke with XXXX and explained the negative reportings showing on my credit reports which was incorrect. He was able to pull up my loans but told me that he did not see any negative reportings and that usually if there were any negative reportings that once the rehab was complete, all negative reportings/ failed to pay would be deleted. My next conversation was with XXXX on XX/XX/XXXX, who pulled up my loans and stated that all the negative reportings had been deleted and that i would need to dispute the incorrect information with each credit bureau. I did exaclty what XXXX advised me to do. I gathered my latest credit reports which still showed late payments/ failed to pay and disputed through each credit bureau. On XX/XX/XXXX I received the dispute results saying the information had been verified and was accurate. At this point, on XX/XX/XXXX, I call XXXX again, this time I spoke with a XXXX. Explained to her the late reportings and that I had already disputed with the credit bureaus and that the credit bureaus would not remove the incorrect info because they said the information was verified as correct. She stated she didnt see any negative reportings and sounded a bit confused as to what was going on and why the credit reporting agencies would say the info was verified. She then told me I needed to fill out the XXXX direct dispute form and mail it in. She told me she would mail me the form, verified my correct address, however she did not send me the form because I never got It. I went on XXXX website, printed the dispute form and mailed it in along with a letter explaining my issue. I sent the form and letter by certified mail on XX/XX/XXXX which was confirmed delivered on XX/XX/XXXX. As of today, I have yet recieved any responce back from XXXX which is very unprofessional. I have been back and forth with XXXX, have done everything they have asked me to do and yet my issue is still not resolved. I will attach the letter I sent with the fedloan dispute form. Please either remove the late payments or remove the accounts all together. Thank you.
Product: Credit reporting or other personal consumer reports

My credit was ran at CREDCO without my knowledge and resulted in a hard inquire on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXXthey were deleted from my files stating they could not verify the status of my loan from XXXX XXXX. I contacted XXXX XXXX on XX/XX/XXXX and the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXX XXXX  and XXXX XXXX  EST. Dont send me no mail whether its USPS , XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our mortgage loan was transferred from  XXXX  to a group called Bayview Loan Servicing , LLC back in  XXXX   XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount  that Bayview Loan Servicing i s claiming as a  Deferred Amount. When we call Bayview the y claim that it is from a modification from  XXXX   XXXX ,  XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we  wo n't get it.
Product: Vehicle loan or lease

1. Payments made arent applied properly.

2. Incorrect credit reporting.

3. Credit Acceptance obscured the true cost of its loans to car buyers, leading to severe financial distress for me.

4. Aggressive debt collection tactics on loans its own systems predicted that borrowers cant afford to repay.

5. Impossible to pay off loan due to manipulative tactics to set up me up to fail.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Goldman Sachs was supposed to send me additional documents to verify my identity. I was told when I applied that this would be sent to me during the application process. Instead, I have been declined because they claim they can not verify me but never sent any additional documents. I have received many different answers from a number of associates. Based on their lack of solutions or help, it is apparent to me Goldman Sachs is discriminating against me for some reason. Very shocking given my XXXX credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage reported my mortgage as delinquent by 120 days when I was in Loss Mitigation. There was a processing error on their part but I was told while it was being reviewed for Loss Mitigation that it would not be reported negatively on my credit report and I want it updated. My attempts have been unsuccessful and with Covid the call volume has been extremely high.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE
Product: Credit card or prepaid card

On I had {$90.00} return payment. I had issue with my XXXX XXXX. Which did get resolved. I quickly called XXXX to let them know I had gym payment that came out twice but I was getting refunded for the amount. I spoke to rep name XXXX in ach. I had ach issue before and she help me handle that problem. Since the previous issue was correct. I did n't want this small things to become and issue XXXX advised that she would watch my account to see when the return payment would happen. On XX/XX/XXXX Monday I call and she stated it probably will be Wednesday before it show up. I advised I would be going out of town for work. I would try to deposit cash in ATM at a branch or non branch here in my town. I was n't advised that a deposit at non branch would take several days to post. On XX/XX/XXXX I deposit {$180.00} into XXXX checking which would cover the return amount plus add additional money to my account. I was n't as sued this and that caused an issue as well. OnXX/XX/XXXX I made a {$140.00} payment over the phone with a rep and the rep used the wrong account. I was very frustrated. As this was n't fault of my own but the represent I had funds in my account XXXX not XXXX. I 'm just truly frustrated. I was told after 3 return payment the method to use transfer is suspend. Now my account is suspend again after 2 payments
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to process a payment from my PayPal account for {$21.00} into my granddaughter account for cookie dough. A very unsuccessful, numerous attempts, never had access to a link or button to confirm or cancel payment. Therefore I tried to send a {$21.00} payment to my granddaughter using a different account. CC. Again, there was NOT A LINK OR BUTTON TO deny CONFIRM & /or process the payment. 

PayPal accessed both accounts and deducted {$21.00} from each account without consent!! On XX/XX/XXXX & XXXX hrs with XXXX supervisor, {$21.00} was refunded back into my CC accounts. Then PayPal sent {$20.00} into my account ( from an undisclosed business? ) then deducted an e check from My connected account to an undisclosed business???!??? 

Nevertheless, the {$21.00} e check is showing as a deduction XX/XX/XXXX. @ XXXX XX/XX/XXXX XXXX ( PayPal XXXX  ) stated payment was made to unknown sources. I asked for my account to be permanently deleted. Her response was we will send you a link to close my account. DOES THAT MEAN I CAN NOT PERMANENTLY DELETE MY ACCOUNT & all my information??? What why I have the right to have my information deleted from an unethical company PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are still reporting XXXX XXXX XXXX without my consent. My court has provided a letter stating that information was not shared with the credit bureaus. I have disputed the information and they are failing to do their job stating it is being reported by XXXX XXXX. XXXX XXXX stated they have also submitted a dispute with the credit bureaus to remove it from my credit report, as they have deleted that information from thwart system, Also, XXXX has deleted it as well. 

15 U.S. Code $ 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These Public Record should be furnished in my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b Permissible purposes of consumer report ( s ) any consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delinquent accounts listed removed immediately.
Product: Credit card or prepaid card

I contacted XXXX regarding the credit card issued by Goldman Sachs. In my correspondence, I explained about billing error and asked them to send me documentary evidence for this account. 
They have responded with an email that does not address my correspondence to them. I have called them and no one seems to be able to assist or act like they don't know what I am talking about. 
I have also sent them an endorsed coupon which they received ( everything was in the same envelope ) They have not contacted me to let me know whether they will honor it or not, neither have they returned it, yet the balance has not been updated. 
They continue saying they are a paperless company and continue to violate federal laws, as 12 CFR 1026.13 ( a ) ( 7 ) clearly states the creditor must mail statements to the last known address. 
They have also received my billing error notice package and signed for it on XX/XX/2022 by XXXX XXXX at XXXX ( see attached ). On the email I received XX/XX/2022, XXXXXXXX XXXX they do not address any of the Billing Error Notice I sent, therefore this does not constitute as acknowledgment of the correspondence I sent as required by 12 CFR 1026.13 ( c ) ( 1 ). They also continue collection action on the disputed amount as of the moment I am typing this complaint, nor have they sent documentary evidence for this account as requested. I also requested them to refund all monies paid until this moment, and that has not been addressed either. I requested them to give me access to my open-end credit and I zero it out at the end of every billing period, and still they have not done so.
Product: Credit card or prepaid card

I am a natural person/consume/creditor. On XX/XX/22, I extended credit to Macy 's XXXX XXXX in good faith pursuant to 15USC1691 ( 3 ). Pursuant to 15USC1602 ( l ), a consumer credit transaction was created upon giving my credit card number. This transaction did not benefit me as the consumer according to 15USC1602 ( p ). The customer associate gave me a record of transaction stating that I'd receive a letter in the mail from Macy 's credit department about my application.

Imagine the hurt and disappointment I felt walking away from that customer service counter, especially with others being witness to this transaction. It was utterly humiliating. I extended credit in good faith that I'd receive credit, because the law clearly states only twXXXX reasons for denial : insurance and employment. This transaction did not involve either. I was in a bout of depression all weekend. 

On XX/XX/22, communication of adverse action came in the mail from Macy 's. The denial was for number of credit burea inquiries based in whole or part on information obtained from XXXX. I did not extend my credit to XXXX ; I extended my credit to Macy 's. I never gave written consent for these parties to share my personal information. 

Macy 's blatant disregard for my rights and their boldness to break the law has resulted in this complaint.
Product: Mortgage

Fay servicing took over from XXXX XXXX  on XX/XX/XXXX and their first mortgage statement and subsequent statements have been substantially in error from the beginning. In XXXX of XXXX we were granted a COVID Forbearance by XXXX XXXX due to unemployment. Despite this forbearance we brought the loan current in XX/XX/XXXX although unemployment continued. We were informed by XXXX that COVID forbearance was granted for 180 days with an opportunity to extended another 180 days if necessary. However, when an extension was requested and unemployment support documents on XX/XX/XXXX were submitted that request was ignored. On XX/XX/XXXX, XXXX requested a fresh " wet ink signature '' from XXXX XXXX. It was immediately submitted. On XX/XX/XXXX additional documentation including bank statements and unemployment award letter were submitted. We stated at that time that we had 2 payments in savings and new income lined up. On XX/XX/XXXX we received a welcome letter from Fay Servicing. We immediately made contact with Fay customer service and explained that we were in Forbearance and expected to begin regular payments on XX/XX/XXXX and needed to have a repayment plan for the Forbearance arrears amount. On XX/XX/XXXX we submitted a borrower assistance form and pointed out that the Fay monthly payments and arrears amount on their statements is in error. On XX/XX/XXXX We filed an appeal after receiving an offer of Deed in Lieu of Foreclosure rather than a repayment plan. 

The following is a copy of the appeal to Fay Servicing on XX/XX/XXXX which captures the essence of our complaint : 1. The monthly payment amount listed in our Fay account after transfer from XXXX is significantly in error. The stated payment amount in the Fay account is {$7600.00}, which ties to no aspect of our original mortgage note or any modification since, with a past due amount of {$91000.00} while the actual billing amount from XXXX has been {$4300.00} which would make the arrears amount {$51000.00}. I have previously sent copies of the XXXX statement to XXXX XXXX and asked that this mistake be corrected. We do have the asset base and income to service a payment of {$4300.00} plus an additional amount if the loan were modified or a repayment plan established. However, if underwriters used {$7600.00} as the monthly payment amount they yielded a decision about forbearance repayment based on erroneous information to begin with. Nobody at Faye has been able to state where their billing amount comes from.

2. No opportunity to cure the loan has been given since the COVID Forbearance period ended. Payments have been offered by us at the correct {$4300.00} amount. However Fay has refused payments because their system shows the incorrect amount due. A reasonable opportunity to cure the loan after COVID forbearance with accurate payment information is a legal requirement.
Product: Debt collection

XXXX  / XXXX / {$97.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Checking or savings account

On XX/XX/XXXX, I deposited XXXX in checks at the branch ATM, as it was after business hours. On XX/XX/XXXX, my online banking was locked, and I went into the branch to explain what the purpose of the check deposit was. The banker was telling me that I had a history of depositing money orders, but this was the first time in my life I had deposited any checks at TD bank. 

Later in the day i returned to the branch, and I provided all of the money order receipts for verification. I explained how I bought these money orders at the XXXX XXXX XXXX, using a debit card serviced by a XXXX. The fintech allows funding via a credit card, but the only method of withdrawal is spending via their debit card, hence the method of buying money orders as a means of withdrawal. When doing so, I followed all KYC requirements required by the XXXX when buying these. 

There are also simple methods of verifying the validity of the money orders, such as checking the serial numbers on the XXXX website. Instead of doing so, TD bank immediately panicked and went the route of potentially closing my account. 

I need these funds in order to close on a cash home purchase on XX/XX/XXXX, so I would really appreciate if my account was unfrozen.
Product: Mortgage

6-8 months ago, my mortgage company, US Home Bank Mortgage, marked my house vacant for an unknown reason. Even their own associates could not understand why it was marked vacant or how it was marked vacant. Since then I have been unable to get them to remove it. They even sent a company to change the locks on my house!!!!!! I was in bed at XXXX when I heard a knock on my door from a man who had gone into my backyard already and seen that there were still items there. This is causing so much more trouble because if I try to make a partial payment on my mortgage they will not accept it. An example of why I would make a partial payment is as follows : I am currently going to school full time and my XXXX is helping me financially while I attend school. A part of that financial help is that XXXX a semester they send me a housing check to help me pay for my current housing. The check is made out to myself and the mortgage company. I am supposed to sign the check and then send it to them. Because my house has been marked vacant, they are telling me that they will most likely reject the payment. And I can not make a partial payment for the extra amount owed after the check is processed. I either have to pay all or nothing. This is how it is constantly. I once fell behind on my mortgage and was trying to get caught up as I could. I would try to pay a few extra XXXX here and there as I could but they refused to take my payment, stating again that it had to be all or nothing. Also I was n't allowed to make payments online it had to be over the phone, even after I was caught up, and then they would charge XXXX dollars every time to process my payment. This is completely absurd and made it almost impossible for me to get caught up. I 'm still trying to get caught up on all the late payments they have charged me. Also because they marked my house vacant my insurance company has tried to drop there coverage numerous times. These people are vultures and their customer service are completely incapable of helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit report from unknown sources.