23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C. 1681. 

Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 section a. States I have the right to privacy - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C. 1681 section a. States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section d ( 1 ) ( a ). States a consumer reporting agency shall provide to any person- ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer 15 U.S.C. 1681 section c ( a ) ( 5 ). 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. 1681 section d ( 2 ). Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score.

15 U.S.C. 1681s-2 section 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: Mortgage

I have problem with my 2nd mortgage company. The house is still underwater. The payments have been in default almost 10 years. I got this 2nd loan originally from XXXX XXXX, but it was sold many times without my knowledge, Now SN Service Corporation owns it. I am current and have been trying to get my 2nd mortgage loan modified since XX/XX/XXXX, but SN is Failing to Process the Application in a Timely Manner. SN has never been processed my loan modification and instead wants me pay {$20000.00} upfront and double the monthly payment for 12 months then they will get me a loan modification. They violated loan modification law to demand me pay {$20000.00} upfront and over charge monthly payments. Now they scheduled a foreclosure sate on XX/XX/XXXX. I want them stop and cancel the foreclosure date immediately and get my loan modification approved and make sure I get best deal according to my case since the house is still underwater. I have sent all required docs to them more than 6 months ago. In short, the servicer simply doesn't review my loan modification in a timely manner. Thank you! 

XXXX XXXX Loan # XXXX SN service corporation XXXX ext XXXX XXXX XXXX. XXXX XXXX
Product: Credit card or prepaid card

In the year XXXX I enrolled in mobile alerts to be notified of various types of changes to my credit card account with Bank of America. 
From XXXX XXXX XXXX XXXX XXXX XXXX was late paying my bill. However I was not notified in the various options I had selected regarding this update to my account. Bank of America made no attempt to contact me to settle this amount, which was nominal at approximately {$30.00}. Bank of America decided to mark my payment late and submit that to the credit bureaus instead of making reasonable effort to work with me to 1-notify me and 2-make accommodations to allow me to pay.

I have been a customer with B of A for ten years and have otherwise had excellent payment history and credit experience with them.

As such I find the actions taken by Bank of America highly and unnecessarily punitive, damaging, and unethical. They have engaged in unfair credit practices with an otherwise excellent account holder over the past ten years.

In addition I suffered damages when applying for a mortgage loan, as My credit score of XXXX plummeted to XXXX, disqualifying me for top tier interest rates for my loan. I had to pay {$22000.00} in points to drop my interest rate down to qualify me for my home, I also had to put 12.5 % more down than I intended to due to the restrictions with this low credit score. 

I have requested the removal of this derogatory payment on my account twice and B of A and its reps have made no effort to rectify this injustice. In addition, I find it discriminatory for their steadfast collection efforts on a {$30.00} credit card payment while they forgive hundreds of thousands of borrowers in loan default during the same time period. 


Attached - a letter I received from B of A at the start of XXXX  stating how they want to help their customers with their goals and achieve financial success. I want to reinforce this value that they extended to me at a time that they unfairly treated my credit account and reported with haste.
Product: Checking or savings account

I HAVE NOTICED THAT I HAVE BEEN NOTIFICIED THAT I HAVE OVERDRAFT MY BANK ACCOUNT SEVERAL TIMES, WHEN I AM AWARE THAT I HAD FUNDS IN MY BANK ACCOUNT. THIS HAS OCCURRED SEVERAL TIMES SINCE I OPENED MY BANK ACCOUNT WITH WELLS FARGO.
Product: Mortgage

Carrington is saying I'm {$3100.00} past due. I have been paying Carrington since XX/XX/XXXX when they took over my loan. But now XXXX XXXX XXXX is asking permission from the bankruptcy court to foreclose on my home. I have been making {$560.00} ever since XX/XX/XXXX. My payment has increased to {$630.00} but Carrington has been letting me pay {$560.00} anyway and I make sure before I payment which amount I should pay. They record phone calls and they can do research to go back and they will have it on record them telling me to pay {$560.00}. I believe that the XXXX XXXX XXXX told them to let me keep paying the {$560.00} so they could complain to the bankruptcy court that I've haven't been making my payments. Today I paid 3 payments of {$1200.00} XX/XX/XXXX. I am really being harassed Carrington and XXXX XXXX XXXX and being retaliated against because of the complaints I have made about this problem! XXXX XXXX XXXX allowed me to make a partial payment of {$180.00} because I had some unapplied funds which XXXX   XXXX XXXX applied to my XX/XX/XXXX payment and XXXX XXXX XXXX says I am {$3100.00} past due which is 5 payments since Carrington took over. I do have the letter which XXXX XXXX XXXX sent to me about accepting the partial payment of {$180.00} which was applied to the unapplied funds, to equal to the {$560.00} payment. And XXXX XXXX XXXX still wants to foreclose on my home!
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 XXXXXXXX XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

I get a credit to be paid in one year without interest to do a dental job on XX/XX/XXXX. I was sending my monthly payment to XXXX for my XXXX XXXX XXXX Credit card, and I sent my last and pay in full payment on XX/XX/XXXX to prevent any interest. ( Check XXXX number XXXX, bur XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX TX XXXX, still sending me bill to pay " previos Balance '' all ready paid. I send them a letter but they say that I mus paid interest from the credit. 

Please help me to resolve this problem and their abuse, because I do not have any balance with them Thank you so much XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX  Citi credit card XXXX XXXX  XXXX XXXX XXXX XXXX  And they apply for different personal loans I don't know who all they went through
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

No notice lock out of home via sheriff eviction XX/XX/24. Have email ( from OVM ) 2 months prior stating mortage is in good standing, never missed payment. Paid via cashiers check for XXXX and XXXX, and they were cashed. Paid property tax in XXXX from escrow. County confirmed XX/XX/24 no taxes owed. Somehow foreclosed last year some time, don't have many details everyone is radio silent. Lost my dog permanently now and children are homeless. Ridiculous. House bought by XXXX for more than what I owe, money still in escrow.
Product: Debt collection

PENN CREDIT CORPORATION - CITY OF XXXX XXXX has been paid in full and closed. I was told that this account would be removed from all three credit reports. The balance is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent Transunion a letter demanding they investigate an inaccurate account on my credit report. I never did business with the original creditor nor have any contractual obligation with the collection agency. After 30 days, they have neither investigated nor removed the account.
Product: Student loan

I am a Service connected XXXX combat veteran who student loans are cancelled because of the total and permanent XXXX program. Nelnet will not update my report to show paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified some improperly reported items after reading my credit report. The Congress has granted me the ability to dispute and correct inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

in XXXX we asked our bank to skip a payment and add it to the back of the loan. We were told me could and there would be no penalties and there was no talk of effecting our credit. We went forward making payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX  just to bring the account current due to it stating we were behind 5 payments by 30 plus days. Al though we were making payments they were not being applied. We never signed any paper work saying this would happen.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX Experian data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Mortgage

On XXXX/XXXX/16, I ordered a billpay payment from XXXX XXXX XXXX to pay {$2300.00} for my XXXX house payment. It normally takes 2-4 days for the billpay payments to get to Seneca Servicing to be credited, and there is a 15 day grace period, and it is simple interest, so it does n't matter if I am early or late on my payment, the same interest is applied. I have used billpay for over 5 years, and they never miss payments. Seneca has not credited my payment, and I contacted them to find out why. They claim XXXX holds my money for a week or longer after they take the funds out of my account to make money from me, and then they send it off. THAT has never been my experience. Up until 3 months ago, even my Seneca payments were credited within 2-4 days. Now, it is XX/XX/XXXX, and nothing has been credited. 
I called Seneca who told me to call XXXX to see where the money is. XXXX mailed it to Seneca. They explained to me that they no longer have a relationship with Seneca, so they do n't do digital payments to them any longer, they have to mail paper checks, which they have the last XXXX checks - coincidentally, the last XXXX checks were credited, 9, 11, and 13 days after they were sent by XXXX. I called Seneca back and asked them to look for my check, the address sent to was verified, and there is no reason XXXX would hold my money - they have issued larger checks than this through bill pay, and never a problem. Just with Seneca - so the disconnect has to be with Seneca. 
They told me I now have a late charge of {$87.00} and that if I do n't send a new payment, then I will get reported to the credit bureaus for a 30 day late. I said I ca n't stop payment because you will charge me when you finally get around to depositing the billpay check, so now you want me to pay another {$2300.00} when I am not due yet, and I ca n't pay other bills because I wo n't get paid until next week. They said again, yes, we will charge a fee if the check does n't clear our bank - and yes, we will report you to the credit bureaus if you do n't pay within 30 days. I said, I paid on time, you have n't credited me. Do you look at the post mark on the envelope when you finally cash my check? We credit your account the minute we get your check, then if it does n't clear, we back it out. So we do n't look at post marks. 
I am at the mercy of Seneca 's mail room sorting my check. The check had all the same identifying information as all the prior payments.
Product: Debt collection

Skagit Bonded Collection for XXXX XXXX I asked them to verify debt pursuant to The Fair Debt Collection Act SS XXXX they sent a letter, followed by a phone call on XX/XX/2021 at XXXX XXXX  ( PAC ) time, stating that they are not required to send me anything. I sent certified letter on XX/XX/2021 notifying them that their response did not comply with the FDCPA SS809. Cease all collection activities until they comply by providing me the requested information. I will be seeking civil liabilities pursuant to section 813 for wilful noncompliance. 

I obtained a copy of my credit report on XX/XX/2021 Skagit Bonded Collection is on there.
Product: Debt collection

I am currently in a settlement agreement with Rausch Sturm Collection concerning a debt for XXXX XXXX   XXXX aka XXXX. The agreement was dated XX/XX/XXXX from XXXX XXXX, Director of Collections for Rausch Sturm to the Debt Consolidation Agency , XXXX XXXX XXXX XXXX XXXX, I am currently working with, in reference to my debt. The first payment went out on XX/XX/XXXX, per the agreement, and has continued since to this day. The last payment is expected on XX/XX/XXXX. I have been making my payments regularly and have proof. I also have proof of the settlement agreement from XXXX XXXX, Director of Collections to Rausch Sturm dated XX/XX/XXXX outlining the agreement sent to XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, Rausch Sturm XXXX Office filed a lawsuit for judgement against me. The case is expected to go to trial on XX/XX/XXXX. No one at Rausch Sturm wants to talk to me in order to resolve this issue. I am still making payments per the agreed settlement, but they still won't remove the open court case against me.
Product: Debt collection

Comenity Bank has failed to mark negative tradelines that they are reporting to all three credit bureaus as " Disputed '' within 31 days of them receiving my formal disputes regarding their inaccurate reporting on my credit reports via certified mail. 

I have receipts with tracking numbers proving that they received my certified mail enclosing my disputes. As well as copies of my credit reports, that shows they did not mark the accounts as disputed. They have failed to do what is prescribed by law. I also have credit monitoring in place that alerts me to comments, changes, etc. If Comenity Bank does not remove the items being negatively reported under my social security number I will use all legal remedies afforded to me per FCRA & FDCPA. 

FDCPA section 807 ( 8 ) and FCRA section 623 ( a ) ( 3 ) requires that ANY TIME a consumer contacts an entity questioning a line item that they placed on their credit report, they are required to contact the credit bureaus on the consumer 's behalf, and add a sentence to their credit report WITHIN 30 CALENDAR DAYS that says the consumer has disputed the negative item in question.

In my case, Comenity Bank has failed to follow the law spelled out above, they are currently reporting two negative tradelines to all three credit bureaus under my social security number, and they did not follow the steps prescribed by law.
Product: Mortgage

I have been trying to get my mortgage out of forbearance since XX/XX/2021. I have been ignored and given the run around by Freedom Mortgage, with no solution in sight. 

I recently received XXXX XXXX XXXX XXXX XXXX  service connected XXXX from the VA, and have asked Freedom Mortgage to update this to reflect in my currently monthly obligation. 

I feel completely helpless, and that Freedom Mortgage does not have any interest in helping me get back on track. I have countless emails as proof of my attempts to ask for help, and they have largely gone unresponded to. 

Please help.
Product: Credit card or prepaid card

A XXXX automatic payment to my Bank of America credit card came through on XX/XX/XXXX at XXXX. I called Bank of america at XXXX to let them know this payment was in error and needed to be reversed, at that time i was informed the payment could not be reversed and would have to call back in 4 days to ask to have it reversed again. 
The amount payed was nearly the limit of the card which had significantly less owed on it than the amount charged, and had been billed by the bank of america automatic pay. {$2700.00} is a significant amount that should not have been charged in the first place and should have been remedied the day it was reported as an error ( initiated by their auto pay ). Additionally should not have to call back and ask Bank of america a second time to fix it.
Product: Debt collection

I had been getting calls from Dynamic Recovery Solutions every few months requesting payment on a debt owed. Each time I am contacted, I request a statement to be sent to me showing the original debt and charges that are on the bill but never receive anything on paper showing what exactly the debt is for. 
I received a call on XX/XX/XXXX from Dynamic Recovery Solutions again regarding a debt owed for medical bills incurred in XXXX, totalling XXXX. The representative said that it is for a remaining balance that is owed after the insurance coverage and since it has been more than XXXX  years from the date of the bill, my only option is to make a payment plan. I requested a statement to be sent again and he said that XXXX XXXX sent on XX/XX/XXXX. I told him that I have not received it yet again and will not make a payment plan until I receive proof of what the bill is for. The collection has now shown up on my credit report and I have still not received anything proving what the bill includes.
Product: Credit reporting or other personal consumer reports

They are reporting inaccurate information on my credit report. the balance is incorrect, the past due balance is incorrect and the date opened is also incorrect. this is hurting my credit history bad. 
i would like this removed immediately please. 

Additionally, under 15 USC 1681b, a consumer report can only be accessed for purposes that are specifically authorized by law, such as credit transactions, employment, or other permissible purposes. 
I have reason to believe that my credit report was accessed inappropriately without my authorization or a legally valid purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Student loan

I took out a private loan in XXXX for {$20000.00}. I had been in school from that time XX/XX/XXXX. In XX/XX/XXXX my private loan was taken out of deferment and put in to repayment. I was informed I was in default in XXXX by a call from their recovery department. I explained that i was still in school and they advised me to contact Citizens Bank Student Loan department. When I contacted Citizens I was told that it should not have come out of deferment while I was in school but since it was written off there was nothing they could do. I talked to multiple employees and received the same information. In XXXX of XXXX I began paying small amounts to the recovery team on the loan. Every month it hits my credit report as a charge off causing my credit score to take a hit. They will not move my account back to their Student Loan department, they will not show that it is in good standing even though I am making payments, and told me the only way to remove it is to pay it in full. I believe that they made an error, as told to me by their employees, that is hurting my credit score, effecting my clearance ( I work for the XXXX XXXX XXXX ), and harming my credit report.