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

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX. The payments were set to auto pay XX/XX/2016 - until. After 18 months it stopped without my knowledge. XXXX failed to notify me by mail or phone and repossessed my vehicle. I paid late payments the very next day when I was finally notified after the repossession. I explained to them of their mistake ( WHICH THEY FAIL TO ADMIT ) and they still reported it to credit bureau and ruined 20 plus years of good credit. When trying to resolve with staff including supervisors some were extremely rude and not willing to resolve the issue. One even admitted they understand my point but still was unable to resolve. After filing complaint they continue to report this to credit bureaus. This is MAJOR BULLYING on their part as I only have a few resources to go up against them.
Product: Debt collection

Account Control Technology XXXX has been contacting me wrongly for many months ( over 4 ) at times between XXXX-XXXX from a Wisconsin number ( XXXX ) multiple times a week. 

The thing is, they are looking for someone who shares the same Surname with me, but it 's not me. I do n't even have any outstanding debts as I write this now. 

I explained the mix-up previously, but they continue to call. I have just recently explained it again ( 2 months later ), with a little too much passion and was hung up on. 

Either way, they are wholly incompetent on this matter and it is downright shameful they have any effect over any individuals, let alone their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 Alison states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I opened a dispute on a charge as soon as I found out there was an issue. I was notified via XXXX XXXX who XXXX contracts with that the rental we reserved was no longer available a few days before we were supposed to be going to XXXX with our children. This caused us to spend XXXX  of dollars to make last minute changes. We booked the hotel months in advance and filed a dispute immediately after trying to resolve it with the merchant. USAA accepted the dispute on XX/XX/2023 and told me there would be temporary credits posted to the account within 10 days. This never happened and after 7 phone calls to the bank I finally had to file a lawsuit just to get someone to call me back in late XXXX. They then closed the dispute with no communication and reversed the credits they placed on the account on XX/XX/XXXX  they state because it was not handled within 60 days. THEY did not handle it within 60 days.
Product: Money transfer, virtual currency, or money service

My mother ( XXXX ), had sent a $ XXXX payment to a XXXX  I no longer have access to due to someone stealing my bag, phone, and ipad in the midst of being homelessness. During the period of my housing instability. I had fallen behind on phone payments leaving me unable to recover any and all accounts registered with that number. This person must have changed the phone number linked to the account because I do not recognize the number that it shows ending in XXXX. XXXX has refused to accept any and all forms of identification including social security card, state id, birth certificate, bank statements, XXXX identity theft forms, etc. And refuses to cancel payment and issue a refund to my mother. This has been ongoing for 4 months and they ultimately have stopped responding to calls messages and emails.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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. 
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, 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Debt collection

Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XX/XX/2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!
Product: Debt collection

I called the number provided to settle a debt that was paid off, but the phone number I found was the wrong number for the original company. The person acted like a representative of Wakefield, the original debt collector, but they were a scam artist pretending to be with Wakefield and Associates. I gave them my social security number and debit card number, but luckily the card had no funds for them to take. They tried to get me to use a different card, but then I realized they were asking way too much information. When I called the scammer out, he immediately hung up the phone.
Product: Consumer Loan

This is about Hyundai auto finance company ... .they got my cell number from who knows where ... ..I have NEVER had a loan or ANYTHING with them, but they keep callllllllling me at least three four times a day sometimes more ..., ... they call when im on conference call and when they do, my conference cll drops ... and I have to redial in ... ..Ive sent them email telling them to " cease and desist '' ... ..and they talk to me like im the one infringing on their time ... ..they do n't leave messages, just call and call and call ... .its annoying ... .Ill NEVER buy a car from these people based on their behavior ... ..Ive never had dealings with them, a loan, nothing!! I HAVE TO PICK AN OPTION BELOW TO GET THIS THROUGH, BUT IVE NEVER HAD A LOAN OR NOTHING WITH THESE FOLKS ... ..I want them to stop calling me and or anyone else they are harassing! when u ask them to stop they do n't. then u call them they act like YOURE stupid.
Product: Checking or savings account

I was with JP Morgan Chase Bank since XXXX. I have multiple accounts with Chase bank, including a savings, money market, my XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX where she receives my fathers XXXX VA benefits. I have direct deposit from my employer go to this account and am not overdrawn or having excessive ( more than 1 in an 12 month span ) overdraft fees. Suddenly, on XX/XX/XXXX I received a text from Chase Fraud saying they needed more information about 4 of my accounts, or they might be closed. Within 2 minutes of receiving the text I called the number from my mobile app and was instructed my primary debit card was closed. I immediately drove 10 minutes down the road to a local Chase branch where I was told they simply needed to verify my identity, then they informed me my accounts were all restricted and would be closed within 10 business days, and I was not allowed access to my funds at all. I asked multiple times why my accounts were being closed, with no answer whatsoever. I spoke to multiple people, including a XXXX in Texas, XXXX in branch complaints and have been told I will Never get answer. I was told my direct deposit would be returned the next day to my employer, it was not returned, but they refused payments on multiple accounts that were on automatic withdrawal, while funds were still in the account. They refused to grant me access to my funds. They finally allowed my mother to get her funds, but did not allow my son to access his funds when he is away at college more than XXXX miles away with no access to money. They refused to give me a tracking number on the checks they supposedly sent, they cant even give me a timeframe of when I should receive them past 7 business days. Im being treated like Im a criminal when I have done nothing wrong. When I have asked repeatedly what happened, if there was fraud on the account, if there was cause on their part, when I asked if it had to do with the hack that happened with XXXX XXXX XXXX  the month prior, I was stonewalled and told I will Never be told the reason for the closure and they dont ever have to provide a reason. I believe this is is discrimination.
Product: Debt collection

HUNTER WARFIELD AND XXXX APARTMENTS. I have disputed a debt because the apartment I lived in did not comply with sending me the required information and then the apartment complex changed the amount I owed from {$1600.00} to {$2400.00} for the bed bugs. I do not owe and have disputed the debt twice, but they continue to contact me AND they have reported me to a credit bureau. The last time I sent emails, letters and copies of my move out charges. The credit bureau is the final straw.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX lending. these are all unauthorized inquires and the company refuses to remove them
Product: Payday loan, title loan, or personal loan

I applied for a Personal Unsecured Loan with First Tech Federal Credit Union on XX/XX/XXXX in the amount of {$5000.00} under installment of {$130.00} per month for forty-eight ( 48 ) months, due date on the XXXX of the month before the closing date of the XXXX of the following month per approval by First Tech Federal CU Representative Customer Service agreement to avoid a late fee and past due on installment payments. Since First Tech Federal CU is an online Bank in my State of XXXX, NC, I mail my monthly payments of {$130.00} plus {$15.00} late fees totaling {$140.00} by United States Postal Services 2nd day Priority Mail to received before the closing date of the XXXX of each month since I am a Retired XXXX  Employee from the XXXX for XXXX XXXX XXXX XXXX over 48 years & received my retirement benefit on the first of each month. I tried on three attempts with First Tech Fed CU Representative to set up an Electronic payment Plan per application online to be debit from XXXX XXXX XXXX XXXX Checking Account but First Tech Fed CU did not accepted agreement. Therefore, I mail payments by Certified Mail per month and First Tech FCU is fraudulently reporting account past due since XXXX until present of XX/XX/XXXX ignoring my dispute. Balance is {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Experian alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Experian including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Experian to advise them of the results of my debt validation request. 

I believe that Experian has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX  and need your urgent assistance to survive. Thanks
Product: Mortgage

On XXXX/XXXX/2010, my mother took a Reverse Mortgage Home Equity Conversion Loan with XXXX XXXX XXXX , XXXX whose address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. My mother received a sum of money from XXXX XXXX but left {$95.00}, XXXX in equity on the property. My mother has passed. Currently, the loan is being serviced by Champion Mortgage whose address is XXXX. XXXX XXXX, XXXX, TX XXXX. The telephone # is : XXXX. The loan # is : XXXX. The problem that I am having is that two months ago, I found out that I am the mortgagor on the loan. At the time the loan document was drawn up, I was never told that the loan was in my name. Additionally, I was told that the {$95.00}, XXXX equity that my mother left in the property is probably worth {$20000.00}. I was also told that the remainder of the equity died with my mother. I was told that there is nothing that I can do at this time but to sell the property. However, I am writing to you because I feel that my mother was frail and vulnerable at the time she took the loan. Moreover, I was not given information about the type of loan and the pros and cons of a reverse mortgage that was subject to a life estate in my mother 's name. I do not want to sell my home and would like an opportunity to continue to live in my home. As a result, I would like to know if I am covered by the reverse mortgage since the loan was in my name.
Product: Mortgage

" This complaint and been filed with the OCC as well ''. 
I have issues raised in my previous complaints that have not been appropriately addressed. Please consider this XXXX complaint as a detailed enumeration of my loan file serviced at Select Portfoliio Servicing, ( SPS ) Loan # XXXX. 
My mortgage loan was referred into the foreclosure process in XXXX and remains seriously delinquent to date. XXXX foreclosure action of my property, is not consistent with the lending statues, regulations and other policies that should 've been applied. Furthermore, XXXX XXXX did not conduct an Independent Foreclosure Review ( IFR ) on my loan file, which I should have been part of. Neither did XXXX supervise nor oversee the loan servicing companies e.g. XXXX XXXX XXXX, who also serviced my loan between XXXX to XXXX unknowingly to me, according to my title records, XXXX XXXX has been the trustee and beneficiary of my mortgage loan. 
Around XXXX XXXX XXXX, I received a XXXX check of {$300.00} on behalf of my servicer at that time XXXX XXXX XXXX. XXXX XXXX XXXX had a settlement in XXXX, so they informed me that the IFR was never conducted even though I had brought my loan file defects to their attention. Shortly thereafter, in XXXX XXXX, I received a phone call from Select Portfolio Servicing Inc. ( SPS ) I discussed my concerns with the rep and I was told someone will follow up with me, which never happened. XXXX XXXX has failed to provide ownership of signed endorsements, recorded assignments and other obligatory documents. The negligence of my loan file has gone on for so long. XXXX goal is to foreclose on my primary residence, while their harmful errors and malpractices get swept under the rugs. A foreclosure sale date has been scheduled for XXXX/XXXX/XXXX ( XXXX XXXX XXXX TS # XXXX ) I'am currently in a stable financial position and can afford to make mortgage payments on time if enabled an opportunity for a loan modification, deferment, or any other affordable home retention option. ( see application and my review results ) My financial package was recently reviewed by SPS for home retention options, shortly thereafter it was denied with no recourse as reflected in the denial letter attached. When I reached out to the ombudsman team, they just parrot back to their loss mitigation 's response, which was so obvious that they do not have access to my loan file fo them to conduct an independent investigation. One SPS rep also verbally informed me that XXXX just denied it and they do n't have to give any explanations. SPS is also illegally servicing my distressed loan file under the present situation with XXXX XXXX. SPS 's incompetencies is causing me farther more financial harm. 
Most troubling, neither the servicer ( SPS ) nor the investor ( XXXX XXXX ) is following the legal guidelines in their loss mitigation /foreclosure review processes. I 'm seeking a resolution to the malfeasance actions of XXXX XXXX and its third party contractor companies. I intend to keep My home for my family, even though its 100 % underwater as SPS appraisal and tax assessor records may reflect.
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX  **** Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Suttel & Hammer opened this case in XXXX, the case was dismissed in XXXX. I received a notice from the clerk 's office stating that this case was dismissed. I received a Writ of Garnishment from my job in XX/XX/XXXX while I was on maternity leave, I reached out to Suttel & Hammer they stated that XXXX canceled the garnishment, so I ended up getting a refund for the amount from my employer. I was under the impression that this was handled. A few days ago I received another Writ of garnishment in the mail and they said nothing can be done to stop this. They couldnt provide any information about this account and they wouldn't allow me to set up a payment play or settlement. I also reached out to XXXX directly and they had no clue what I was talking about.
Product: Credit reporting or other personal consumer reports

I told these companies that I did not open this account, nor did I approve this account. I am not okay with the damage that has been done to my credit. I feel as though I have been a victim of someone's cruel attempt at a come up.
Product: Credit reporting or other personal consumer reports

I was checking on my credit report the other day and found that there were inquiries reporting on my file that are not authorized by me. I don't remember approving any of these being reported in my account and it is causing me so much stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXXXXXX XXXX Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights.

15 USC 1681 Sec. 602, States I have the right to privacy. 15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.
Product: Checking or savings account

PNC Bank offered me a checking account, which I opened with a {$100.00} deposit in XX/XX/2019. After receiving my ATM card, I tested it by depositing {$10.00} cash into an ATM. Thereafter, I received a letter with no explanation from PNC stating that my ATM card was closed. In addition, PNC did not make the {$100.00} nor the {$10.00} available to me. OnXX/XX/2019, PNC Bank 's " claims department '' withdrew my {$110.00} and kept it. 

PNC Bank refuses to discuss the account. PNC Bank violated the terms of the deposit agreement and the Funds Availability Policy. 

I engaged in no action to warrant PNC 's breach of fiduciary duty. 

PNC also appears to have used consumer reporting agencies without disclosing the identity of said agencies in contravention of the Fair Credit Reporting Act.