23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have recently been diagnosed with a XXXX. I can still work most of the time but at times it causes me to have to not work. Im taking cate of my XXXX XXXX XXXX mother with XXXX and her home. We became behind on our mortgage. I applied for assistance. Our company is SPS Servicing out of Utah. Our original payment was {$1400.00}. They approved us for a repayment plan instead of a modification since we had gotten one some time back. The payment they approved us for was {$2800.00}!! If I struggled with {$1400.00} how can I do {$2800.00}? So their letter says you have the right to appeal within 30 days. I called my relationship manager who said to go ahead and appeal. Never did she tell me, nor is it in the letter that if you appeal they will VOID the option you were approved for. So now Im looking at a foreclosure when all I was trying to do was get the payment a little lower. Can your help me? I have read so many negative articles about this company. We dont have good credit so I dont know if thats why we have to deal with them.
Product: Checking or savings account

I am a XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  ) with 20+ years experience working for the renowned XXXX 

I had been a satisfied customer with Bank of America ( BOA ) for over 25 years. Then suddenly and without provocation ( on my part ) BOA closed all of my accounts ( checking, credit cards, savings ) with their institution. 

I was astonished as I have maintained my accounts in good standing, and have a credit score over 800. 

Needless to mention, this action caused me emotional distress, a distrust of financial organizations and several sleepless nights, I am contacting your organization to alert you of this misdeed and ask that you assist me in getting restitution.
Product: Credit reporting or other personal consumer reports

I filed against them for inaccurate reporting and a several XXXX XXXX accounts that were NOT mine. They have proven they are posting inaccurate information ( see attached ) with balances reporting in all old accounts that were discharged in a XXXX XXXX  Bankruptcy. Also they only removed XXXX Capital XXXX account instead of all like XXXX has- There is a XXXX account not mine they have on my credit claiming that its been verified with NO proof, documents nor how they found this to be verified. See attached .They have an address XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX I requested to have moved its not my address. They continue to report and not fix the issues and inaccurate information. 
They are reporting accounts with balances that were discharged in XXXX XXXX XXXX
Product: Debt collection

I have recieved 19 calls in the last 3 days ( XXXX, XXXX, and XXXX ) from Comenity Bank. All but one time they hung up on me when I answered. They were a mix of calls labeled XXXX numbers, restricted and private numbers as well as Comenity Bank. I finally had someone talk to me when I answered a restricted labeled call and they said I was past due on my payment. I had was 2 weeks past due and planned on paying the debt off on payday. I did that today XXXX. I have not missed a payment prior and I feel that I was harassed at all hours of the day interrupting my work, sleep, and family time. I feel that the tactics have been aggressive and accesive. The website to pay the bill was not accessible and I had to jump through a lot of avenues to satisfy the bill. I feel that paying the bill is so complicated that the average person would be incapable of doing so.
Product: Student loan

I was never notified that my loan went out of deferment which is now showing as late payments on my credit report. I am trying to buy a home for my family and these are standing in my way! I never received a phone call about it as well.
Product: Credit reporting

An address appears on my credit report that does not belong to me. I recognize the address to be that of where my ex-husband lived following our divorce. He was not financially responsible and I do not want to be associated with his financial decisions following our divorce, including the potential that he failed to be responsible to a landlord. He intentionally accepted personal property and the debt associated with the property in our divorce settlement and did not follow through with the financial obligations accepted with each debt nor did he refinance the items without my further financial obligation. Therefore, he affected my credit score as well. I had to take legal action to prevent this negligence from continuing and have worked hard to rebuild my credit score. A judge did hold him liable and he took care of the issues after he destroyed my financial reputation along with his own, which was his intent. I do not want any of his financial decisions, home of record included, to follow me any longer. XXXX makes the information easily accessible, which I appreciate because in the years past it was a difficulty feat to just obtain my information. However, it remains difficult to resolve a dispute of inaccuracies on my reports. I 'd like to seee this process simplified as well.
Product: Checking or savings account

I have been a customer with Bank of America over 5 years during that time I can only recount being refunded an overdraft fee once. I had a deposit go into my account for {$69.00} on XX/XX/XXXX, it was an instant deposit via cash app. It reflected in my balance immediately. The following day that deposit was removed and I was hit with 2 overdraft fees. I searched through my transactions for that deposit and it was nowhere to be found. When I went back to look later it was returned to the account and I also had a transaction from another merchant which was billed on the wrong date. I contacted BOA and they refused to waive the fees or explain the disappearing and reappearing deposit. I dont have a history of doing this and I am on a fixed income. {$70.00} is about 10 % of my monthly income.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, alleging systemic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.
Product: Mortgage

We are representing a home owner in initiating a Short Sale for his home. We submitted all documents to get the sale date postponed and we were told that the date was postponed for 45 days. The sale date was set for the following day before confirmation of postponement. The property was then auctioned off to a third party. We were never told that the property was going to auction or that they canceled the extension. Now we have been trying to get the lender to rescind the property but they are not reaching out to us after informing us that it was in fact their mistake. We have reached out to managers, escalation dept, liquidation dept and to other high level corporate supervisors. We still have no resolve and have not heard from anyone in over 10 days. Despite several failed attempts, emails and voicemail left. The lender involved in this complaint is Shellpoint Mortgage. Now that we are constantly reaching out to the lender it almost feels that all representatives in their office have been advised to not cooperate with our office. We have been told by several agents that the notes in their systems reflect a postponement of 45 days. Any help or insight with this matter would be greatly appreciated. The homeowner, myself and our firm are continuously being given the run around with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Capital One Bank a dispute back in XXXX, regarding an account reporting on my consumer credit report from XXXX and XXXX, and they sent me a letter stating that the account ending in XXXX, with a balance of XXXX had been removed. Capital One has violated my consumer right. Attached is the letter sent to me that the account has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to the credit bureaus to update this balance however they refuse to. This balance has been paid off for 3 months now and none of them will update it to the correct balance.
Product: Money transfers

I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.
Product: Credit card or prepaid card

XX/XX/2021 payment was not reflected and shows missed! Ive had the card for 4 years and not missed a payment! I called customer service and they agree the payment would be cleared! Its not fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past year, I have made repeated attempts to XXXX and the other reporting agencies, to report inaccurate balance reporting by Rise CREDIT LLC, where I have shown, that my account was up to {$3500.00} lower than you were reporting. However, you persisted to fraudulently report inaccurate balances, even when you were advised by the reporting agencies, that my balance was much less. Your actions were/are an on-going criminal-enterprise, with reckless disregard '' for my personal finances, happiness and peace of mind, where you continue to violate my rights, with malice aforethought, causing me hardship, stress, and financial cost, and legal hardships, with reckless disregard for my well-being and enjoyment of life. Please be aware, that I intend to pursue all legal remedied available to me, for this continued pain, distress, suffering, and mental anguish, caused by all parties, including, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I logged into my bank and saw that my direct deposit from my employer was not present. I went to my XXXX account where my payroll is managed and saw that someone changed my banking information. I took a picture of the banking information and looked up the bank. ( XXXX XXXX XXXX XXXX XXXX The customer service rep confirmed that they received a direct deposit in my name in a MoneyLion bank acct. I contacted moneylion because I don't have an open account with them. After waiting on hold for over 30 minutes they confirmed that I had previously opened an account on XX/XX/XXXX but immediately closed it. I never received any monies from them at all and I never gave them authorization to change my banking information on my XXXX account. Their representative ( supervisor ) named XXXX stated that since my account was closed my deposit would be sent back to my employer and that they have NO idea how my banking information was changed, which is a lie! Not only did they change my banking information violating my privacy, but they also stopped the email that I would get when they made that change. Today is day 4 and I still have NOT received my paycheck.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I got an alert through my credit monitoring service that a new collection had been placed on my report with the three credit bureaus. 

It is my understanding that Debt collectors are required to send a " Debt Validaton Notice '' that affords me 30 days to dispute the validity of a debt prior to furnishing the debt to the bureaus. I NEVER received a Debt of Validation notice that is required by law which would have given me 30 days to dispute the validity of your claim to collect on this debt! Neither did I receive a phone call. This is a serious violation of federal law. If Central Portfolio Control would have sent proper notice, I would have had the opportunity to challenge this alleged debt before it was furnished and causing my score and reputation to suffer significant damage. This is a violated of section XXXX which requires the debt collector to contact me prior to furnishing the debt with any of the bureaus informing me of the debt. 

Furthermore, I called the debt collector who furnished the alleged debt on my reports on XX/XX/2023 at XXXX to confirm the address as to where I could send a Debt Validation letter and the employee at Central Portfolio Control lied about the address. She gave me a different address than what was listed on my report AND XXXX. When I questioned the discrepancy with this employee, she told me the address listed with the bureaus and XXXX were incorrect. So I used the address she verbally gave me. However, when I went to the post office on XX/XX/2023, the post master told me that the address I was given was invalid. We had try and locate a publicly listed address on XXXX in order to get a workable address for this collector. This wasted my time, the post office 's time, and held up the line. This employee lied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX XXXX account with proof of payment and it was updated with a higher balance and as a charge off which dropped my score 74 points when Im in the process of buying a home. This account was paid in full at closing when I sold my home. I provided the credit agency the check that cleared the bank proving it has been paid. I have recently disputed it again with them.
Product: Vehicle loan or lease

We purchased Tesla model XXXX XXXX XXXX XXXX We paid XXXX XXXX down, traded one car and took a loan of {$45000.00}. The contract was between me, my wife and Tesla motors Inc. The contract specifies terms of loan and when the payment starts. It does not mention any 3rd party that will service this loan. Till date there is no communication from Tesla that our auto loan will be serviced by 3rd party and who is that 3rd party. Since we paid 50 % down Tesla had my bank information and we were told that we will have auto pay for the loan. 

Last week when checking my XXXX XXXX I realized that around XX/XX/XXXX my score is severely impacted. I could not find any details, so I logged into XXXX and found that XXXX XXXX XXXX has put charges on me as I was 90day past due on auto loan. Then I searched for communication from XXXX XXXX and found an email from them in spam around XX/XX/XXXX saying that they will service our auto loan. It could have been any other bank and we would not know as Tesla did not tell us who will service the loan. We get tens of promotional emails from XXXX XXXX every month and it goes in spam. My wife also did not receive any email from Tesla motors on 3rd party loan service or from XXXX XXXX that our loan was going delinquent. 

I called XXXX XXXX on XX/XX/XXXX and they told me that my loan contract is cancelled in XX/XX/XXXX when we were 90 day late and I have to pay the full loan amount of {$45000.00} + pay off amounts. Then I checked my email around XXXX XXXX to check whether XXXX XXXX sent me any delinquency notice before cancelling my loan. There was no email from XXXX XXXX during that period. They have not send me any email since then. 

Similarly Tesla has not communicated till date that XXXX XXXX will service our loan. 
How do we know that XXXX XXXX is legitimate. If I pay them {$45000.00}, and tomorrow some other bank comes and say that I owe them money then what will I do. 

This is gross communication negligence that has impacted my credit score and will impact me financially. Paying the loan was not an issue, but we need clear communication from Tesla as to who will service the loan so that we can keep an eye for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When a bank or creditor tries to pull my equifax credit report they say its locked or frozen. Ive called equifax multiple times and every time they say theres no problem. This has been goin on for over a year
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against OneMain Financial for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other pertinent federal regulations. These violations pertain to their mishandling of my personal financial data, improper reporting practices, and disregard for my rights to privacy and financial autonomy. 

XXXX. Violations of FCRA and GLBA ( 15 U.S.C. 6801-6805 ) : Under the FCRA and the XXXX XXXX ( XXXX ), financial institutions are required to safeguard consumer information and provide clear opt-out rights regarding the sharing of sensitive data. OneMain Financial failed to : Provide me with adequate notice and an opportunity to opt out of sharing my data for promotional or transactional purposes. 

Illegally report transaction history to consumer reporting agencies without my consent, violating my rights under the FCRA and 16 CFR 313.

2. Violations of 16 CFR 433.1 and 433.2 ( Preservation of Consumers ' Claims and Defenses ) : OneMain Financials utilization of my financial information appears to contravene federal requirements to maintain fair and transparent practices in consumer credit. Specifically : They reported transaction histories, despite the limitations imposed by federal regulations. 

Their practices do not reflect the standard of care expected under 16 CFR 433.1 and 433.2, which mandate the preservation of consumers ' claims and defenses.

3. Misinterpretation of IRS Guidelines on Charge-Offs : According to IRS guidelines , charge-offs represent a certificate of indebtedness and are considered taxable income for the creditor, not the consumer. Reporting charge-offs as derogatory marks on my credit report misrepresents the nature of these transactions and violates the FCRAs provisions against inaccurate reporting. 

XXXX. Violation of Privacy Rights Under the Privacy Act of 1974 ( 5 U.S.C. 552a ) : OneMain Financials practices have infringed upon my privacy rights as outlined in the Privacy Act of 1974 by : Sharing or using my personal financial data without explicit authorization.

Failing to adequately secure sensitive personal information, thereby exposing me to potential identity theft and unauthorized usage.

5. Negative Impact on Creditworthiness and Financial Stability : These violations have significantly damaged my creditworthiness, reducing my ability to access credit and hindering my financial autonomy. The illegal reporting of my transaction history and derogatory marks have resulted in higher interest rates, denial of credit applications, and an inability to secure financial products vital for everyday operations. As a federally protected consumer, I have been unjustly burdened by these actions, which undermine my legal rights and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of this account on my credit report. I have fully paid off all child support balances yet my TransUnion credit report doesnt reflect that. How are there two different balances on the XXXX XXXX  XXXX XXXX XXXX account? Also, I have never made a late payment but you guys are reporting 21 dates of late payments. Lastly, you guys are reporting that Ive been past due for 120 days which is also incorrect. 

Reason for dispute : XXXX XXXX XXXX XXXX XXXX XXXX is Inaccurate XXXX Balance : {$1500.00} XXXXXXXX XXXX Balance : {$92.00} ( Balance is inaccurate ) All payments are up to date and should reflect a XXXX balance. 

XXXX XXXX XXXX  XXXX XXXX Payment History is inaccurate Transunion is reporting late payments on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( All payments were made on time )
Product: Debt collection

1st complaint-Date:XX/XX/2018 Amount : {$830.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX 2nd complaint- Date:XX/XX/2018 Amount : {$400.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX
Product: Mortgage

Specialized Loan Servicing is the lo an servicer for my mortgage. They sent me a paper notice that they had messed up my escrow balance in early  XXXX . Since then, I have received no follow-up mortgage statements, as I normally do, to pay my monthly loan balance. I tried to pay the balance online but no one can explain to me how/why I can not pay online. I have called and tried on several occasions to pay the monthly balance of my mortgage and I 'm concerned that they are trying to make me late on my payments and/or have inaccurately accounted for my loan.
Product: Credit reporting or other personal consumer reports

I just received a letter from XXXX still avoiding to do as I ask which was to give me a copy of my consumer file and to place a security freeze on my account. I have made repeated attempts since last year ton obtain my file. They claimed they could not verify my identity although I gave them all of the necessary documentation for them to be able to do so. They insisted that could not verify my identity. How do they have a file on me if they dont know who I am? This is contradictory within itself, but I digress. By them stalling to place.