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

I filed a complaint already and it has been closed. 
On the previous complaint they attached a letter that at one point said I owed them 1 payment that they took out of the security deposit. They sent me that payment back after I called, the reason for this is because XXXX XXXX in XXXX VA paid that amount. I called Ally and they confirmed this and realized they were wrong. 
Ally did fix my credit on XX/XX/21, unfortunately today ( XX/XX/21 ) they put the delinquency back on my credit report. 
Ally has confirmed with me multiple times that ALL payments were made and on time. 
This has wasted a lot of my time and has caused a lot of stress in my life.
Product: Student loan

I am concerned regarding a breach of privacy and rights regarding my Mohela Loan Vendor, and involving the bank XXXX XXXX XXXX. 

In XXXX of this year, I received a letter dated XXXX stating my auto debit bank account information had been changed after a request made by my bank. 

This action negated a previous change I had made to my auto-debit account information on XXXX/XXXX/2016 and had been processed by Mohela for my XXXX 2016 loan payment. 

The information provided by Mohela in the letter indicates that they changed my auto-debit information without my consent back to an old account number that existed with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been absorbed by XXXX XXXX XXXX and my account number with XXXX was/is no longer valid. This is what started the whole process of changing my auto-debits in XXXX, 2016. 

After being contacted by Mohela I reached out to them and was told that I had followed all procedures correctly for my change in XXXX of 2016 and they verified the change became active and successful for my XXXX payment. They then told me that despite this I would have to reinitiate a change back to my preferred account because the information that I entered in XXXX was no longer in the system due to this contact from XXXX XXXX XXXX. When I called XXXX to discuss why they would change this information without my consent, and why they would use an old and invalid account number, I received no answers. They claimed there was no record of them initiating a change, but they would look into the issue. I have not heard any more on the matter from XXXX. 

My issue is twofold. First, I have to repeat a time-consuming process that I have already completed. But, more importantly, I am making loan payments to an institution that seems to have very loose controls on my account information. After following their process, giving my consent, and waiting for the change to enter their system all this work was negated by one phone call that did not come from me -- the only authorized user of my account. Not only did they make the change without my consent, they did not verify the change with me, instead choosing to notify me by letter of what had happened without my knowledge. 
I do not understand who is at fault most primarily in this situation, and however - neither Mohela nor XXXX requested my consent for any changes and for that fact, I feel there has been an egregious privacy breach by both institutions regarding my personal information and preferences. It has at times elevated my level of XXXX in my quality of life and marriage, and going forward gives me little faith in the privacy rights I have with Mohela. 

Thank you for reading.
Product: Credit card

I applied Amex Platinum credit card on XXXX XXXX EST through XXXX XXXX link that directed to American Express XXXX XXXX ( See attached screenshot ) The website contains information about XXXX membership reward as welcome bonus offer. I see the offer and click the application link, and then filled out my personal information under the application link. My application got approved straightly and I did not receive any warning or notification message in terms of my welcome offer eligibility. I received the approval email and digital card number a few minutes later. 
I also received confirmation message suggesting that my XXXX bonus points welcome offer is eligible through live chat with American Express customer service representative whose name is XXXX on XXXX XXXX EST. ( See attached screenshot ) But later when I talk to the customer representative through phone call, and I was told the welcome offer was declined and I am not eligible for the bonus points. By the time I have already spend {$3900.00} using the platinum credit card, which is nearly halfway to the required purchases listed on the welcome offer conditions. 
American Express is abusing misleading online Advertising information to trick their customers to open their credit card and withdraw the promised offer later without notifying customer or getting customer consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid. 
I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item. 
According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease. 
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. 
Furthermore, you have the ability to change the listing since you are the information furnisher. 
Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP! 

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Product: Credit reporting

Transunion is violating the FCRA, ( SECTION 1681 i of 15 U.S.Code ) .Attached exhibit A says Transunion may add 15 days to the 30 day investigation period if the credit agency receives additional information from me during the 30 day period that is relevant to the investigation.Transunion did not receive any RELEVANT INFORMATION FROM ME DURING THE 30 DAY PERIOD.Exhibit B, a transunion response to the CFPB ADMITS that they exceeded 30 days, yet they mistakenly say '' I ADDED INFORMATION ON XXXX/XXXX/2016 '' WITHOUT IDENTIFYING IT.ON PHONE CALLS REGARDING THIS ISSUE TO TRANSUNION FRAUD AND SPECIAL SERVICES DEPARTMENTS, THEY SAY I STARTED ANOTHER INVESTIGATION ON XXXX/XXXX/16 BY PHONE BUT THIS OTHER INVESTIGATION HAS NO RELEVANCE TO THE FIRST PREMIER AND XXXX INVESTIGATIONS BEGUN TOGETHER ON XX/XX/2016.I DID ANOTHER INVESTIGATION BY PHONE ON XXXX/XXXX/2016 ON A TAX LIEN.EXHIBIT C is my phone log of both telephone calls to XXXX AT XXXX XXXX XXXX, TRANSUNIONS TELEPHONE LINE FOR DISPUTES.Exhibit D is the results of investigation and the new credit report created on XX/XX/2016.IT IS NOW UNLAWFUL FOR TRANSUNION TO REPORT THIS ACCOUNT for their own errors in economies of scale, computer errors or for whatever reason.MY RIGHTS ARE PROTECTED BY LAW BY THE FCRA AND THE CFPB WILL ENFORCE THAT LAW.SUFFICIENT EVIDENCE HAS BEEN SUPPLIED HERE TO PROVE THAT TRANSUNION HAS VIOLATED THE FCRA AND LIED TO ME AND THE CFPB IN CFPB XXXX ACCOUNT XXXX # XXXX MUST BE IMMEDIATELY DELETED ON THE NEXT UPDATE UPON RECEIPT OF THIS INFORMATION.
Product: Debt collection

My family and I've been having XXXX since XXXX and hadn't had any problems until recently : on XX/XX/XXXX, 5 months after I'd turned in the leased/previously-used XXXX XXXX XXXX to a dealership, I received a letter from Alltran XXXX stating that I owed {$100.00} to XXXX XXXX for 'one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above that allowed by your lease agreement ', and no specifics. 
I called XXXX XXXX about this, and they said they couldn't answer my questions and insisted that I talk to Alltran XXXX regarding this matter, and I was transferred over to Alltran 's XXXX XXXX, a rep, who asked me for the last 4 digits of my SS #!! .for identification purposes. First of all, XXXX XXXX failed to protect my private info by disclosing my SS # to a 3rd party, and breached my privacy and confidentiality rights! Then, when I refused to give out the last 4 numbers of my SS #, I told her that I had Alltran ID and  the Account #, she said that these won't work and asked for my home address. After I provided her w/the address, she located my account but still wasn't able to tell me what I was being charged for. After some more searching and putting me on hold, she answered that it was for wear and tear. I explained to her that in XXXX I had leased then-already-pre-owned XXXX XXXX, and had returned the car in exactly the same condition as I had gotten it in ; there were some minor dent and scratches on the car by the time when I had leased it from the dealership. I then asked Ms XXXX to send me an itemized detailed report on the car damages, for which XXXX XXXX was charging me. The Alltran 's rep 's response was : " Prove that you surrendered the vehicle in a good condition otherwise we'll report failure-to-pay to the credit agencies, you have just a few days left. ' Based on all above mentioned, I've filed a complaint w/XXXX XXXX XXXX and Im now reporting them to The Consumer Financial Protection Bureau. I view the whole situation as fraud and extortion. Im financing my currently leased XXXX through XXXX XXXX again, and I dont want any more surprises and I do not want this company to ruin my perfect credit history because of their fraudulent claims and manipulative approach to get me pay for so called damages that weren't there when I was surrendering the car to the dealership. Please help me to resolve this problem.
Product: Mortgage

Originally, my VA mortgage was with XXXX XXXX. After several months, XXXX sold my VA loan to TMS ( The Money Source ) Bank. I did not want to do business with this bank in the first place because I had never heard of it and was satisfied with XXXX. 

Secondly, I had an agreement with XXXX that all payments over the regular, required, monthly amount would be fully applied to my principal balance upon payment. When TMS acquired my VA loan, I was told, in writing, that " Nothing would change '' and that I had the same agreements as with my previous loan servicer, XXXX XXXX. 

I then continued to make very large payments, 2 to 3 times the regular monthly amount. Instead of applying the extra amount to my principal, TMS applied all extra amounts as if they were individual, additional monthly payments, taking full interest and escrow amounts out of each divided payment. This, in effect, was not only violating my previous agreement that I had with XXXX XXXX, but also violating the specific contract term that I would not be " penalized '' for early payments. 

TMS Bank has now taken more than {$5000.00} in extra payments and applied nearly 25 % of it to interest and escrow amounts instead of to my principal balance. TMS bank now has deducted more interest and escrow in just seven ( 7 ) months than I should pay the entire year. This has been happening since XXXX, 2021 and continued until now. So far, TMS has charged me {$4800.00} in XXXX and {$3300.00} in interest in just six months. My total annual escrow payments only come to about {$2800.00} per year!

It took me 3 months just to get them on the phone because they did not have anyone answering the phones, just playing " excuse '' messages about Corona Virus staffing shortages. When I did finally get someone on the phone about 3 or 4 weeks ago, the " Customer Service Representative '' stated that I would have to include a special written note with every payment for extra amounts to be applied to principal. When I told him that was NOT acceptable because I make all payments through XXXX XXXX XXXX XXXX System which does not allow any special notes, and I did not ever have to do such ridiculous extra process with any other bank, and I have dealt with numerous banks before, owning three other properties in my life.

TMS has done all that they could to continue to illegally take my money and place it toward their profits and beneficial usage, gaining interest off of my money the entire time, while making me pay a far higher interest rate than I should be paying. They were notified by phone and by written letter. The only response was that it would take them another 30 days to give a final " decision ''. THERE IS NO DECISION! IT IS MY MONEY, and they should apply it THE WAY THAT I WANT TO MAKE PAYMENTS or be sued and fined.
Product: Vehicle loan or lease

So there is a charge off that is posted on my XXXX and my XXXX XXXX and my experience credit report I have requested to. the Wells Fargo management team. at the executive at the Executive Office to delete and remove the charge off being that the charge off is a closed account. It's zeroed out and they're not supposed to be collecting on the balance because they charge the debt off and receive the 1099C for the debt. So how are you charging me a balance for something after? you said you charged it off which in fact they did zero the account out and they did close the account but still will not remove the account from my credit report which is harboring me from being able to get approved for credit cards and loans and lines of credit for my business Now the charge off is still resonated on my credit report, and it is stopping me and I am getting denied with a XXXX credit score on all three reports. My. profile is built properly and its structure properly because this charge off has not been removed and deleted. I can not get approved for anything as of right now and this is stopping me and holding me back in my business. I had a conversation with the executive chief manager XXXX XXXX  and she told me and made. sure that I understood that if I made a settlement payment of {$5700.00} that the debt of the charge off and the account of the charge off would be deleted entirely from my credit report. So I did make the settlement payment of {$5700.00}. I have the proof that the payment was made and still even after that they did not keep their word and the charge off is still slated on my credit report and still denying me of the things I need for my business. So she was false and misleading and telling me that they would delete this account once they got the settlement check. But yet this the account is still on my credit report in a negative. you know as a negative account. I've asked many of times I've sent dispute letters. I've disputed the account and they will not delete it off my credit report. This is also causing me pain and agony and discomfort and XXXX as well due to the. fact that I have goals that I'm trying to meet and I can not meet those goals because of the charge off account that is affecting my credit even though I have a XXXX credit score and a bill profile that is Immaculate. This is the only negative account on my credit report as well as three credit inquiries. The inquiries are not connected to any open accounts that are furnished on my credit report and they need to be deleted because per. law if the inquiry is not connected to an open account that is deemed frivolous. It shouldn't be on there and I never gave permissible purpose for those inquiries to be furnished on there in the first place. I am looking for help through the CFPB as I've sent many of certified mail letters. I have sent many disputes through the CFPB and I'm not getting any. help at all.
Product: Credit card or prepaid card

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted Experian, XXXX, XXXX and the original creditor XXXX  XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.
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.

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.
Product: Credit reporting or other personal consumer reports

I sent certified mail return receipt and they did not correct the inquires I did not give anyone permission to pull my credit file
Product: Payday loan, title loan, personal loan, or advance loan

A solar installer called XXXX XXXX XXXX lied to me and gave me a contract fr XXXX to go solar with them and their business partner Sunnova. They installed on XX/XX/XXXX. They promised me my contract. I requested it over a dozen times until XX/XX/XXXX when they actually read it to me over the phone and then filed bankruptcy the next day. They sold my 25 year contract to their business partner Sunnova who refuses to help me get my installation contract or pay me the XXXX I agreed too with their solar installer XXXX XXXX XXXX. I requested my contract over two dozen times. Sunnova said they might help if I send them my contract. I think they know I m have issues getting it. I need help getting my contract from their bankruptcy attorney. Then see if sunnova will help or remove the solar panels from my home due to failure to execute or perform on my installation contract. I am a XXXX year old XXXX veteran. They are playing games with me. I know XXXX XXXX XXXX in XXXX New Jersey and Sunnova in XXXX Texas are having legal fraud scam issues now. I need help. Regardless I want my contract from slthe installer XXXX XXXX XXXX now. That's a great start because then I can discuss with sunnovw or do that they are telling me to do.. have my lawyer contact their legal team in XXXX. They have me in a bad situation as a consumer. 41 solar panels didnt get on my roof without a contract and they know this. Scammers know how to scam. These people have done this to thousands of people..see XXXX sunnova complaints group 3000 plus people. I need help. XXXX XXXX Ph XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to let you know that the information you report are different from each other. There are accounts that you are reporting as late when it is not truly late compared to other Credit Bureaus. When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts and I need you to have them corrected. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting calls from the National Credit adjuster almost every day when my account was under collection. I paid off my collection back in XXXX of 2018 and was promised that my account will be updated on my credit report. However, they never closed the account and the account is still listed and open in the collection account. I have called so many time to try and have this problem resolved but was always transferred to the credit report team which are the team that is supposed to resolve the issue. Sadly, that team never answer the phone and always ask to leave a voicemail. I left so many voicemails but never got a callback. 
This an unfair and unethical business practice. I was being harassed with calls when I owed, and after I paid off, you did not do your part of closing and reporting the account properly. I kindly have been reaching out since 2018 to get this updated and never able to get a hold of someone in the credit report department.
Product: Debt collection

Eastern account systems account # XXXX Did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature!
Product: Mortgage

After filing my complaint with cfpd Pennymac contacted me. Once I recieved the letter detail all but one of my request. I contacted the agents phone number listed but they have not responded to my cal over a month and a half ago. My question had to do with the borrower who has refinance FHA-to-FHA and the refund of my Up Front Mortgage Insurance Premium. According to the FHA Loan Handbook, HUD 4000.1, The UFMIP is not refundable, except in connection with the refinancing to a new FHA-insured Mortgage but only within a certain time limit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is fraudulent this is not my account and according to FCRA section 605b it is illegal to report information on my credit report without my permission please remove Thank you