23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally 2nd dispute against Transunion regarding inaccurate information reported on my credit file of XXXX XXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the XXXX pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : Transunion Account Status Inconsistencies : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). 

High Balance Discrepancies : Transunion reflects XXXX $ as the high balance, this is inaccurate. 

Actual balance discrepancies : XXXX reflects XXXX XXXX XXXX reflects XXXX XXXX Transunion reflects XXXX XXXX that is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Transunion ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section 4021 ), creditors were required to provide special accommodations for consumers affected by the XXXX pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. 
These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law.

Requested Action : Immediately correct every single discrepancies on this XXXX XXXX account. Correct all late payment entries during the period covered by Cares Act 4021 from XX/XX/XXXX of XXXX until 120 days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " High Balance, '' " Date Reported '' and " Account Status '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file. 

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the XXXX pandemic receiving the Unemployment Benefits from New Jersey State in my XXXX  XXXX XXXX  Account in the same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the 30-day timeframe allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, XXXX is also reporting data that is false
Product: Bank account or service

I received a check from Citizens Bank in response to a consent order you filed. The the check was made out to XXXX XXXX XXXX which is my business which I closeda few years ago. It was a sole proprietorship and they still show me in their records. They would not cash the check at the bank because the business is closed. They would not reissue a check in my name when I called the number in the letter they sent with the check - XXXX.
Product: Vehicle loan or lease

I got a quote from autopay.com for a refinance loan. Their estimated price for the product I selected was $ XXXX/month. After I was " approved, '' the price jumped to $ XXXX/month and included gap insurance I specifically had UN-selected in my application, a {$1700.00} service contract I wasn't even given the option to select or un-select, and over {$500.00} in taxes and fees I had not been told about up front. The price after application vs when I prequalifed rose by over 42 %! Now, I know that these payments do fluctuate based on creditworthiness, but my score is in the 800s, so there should not have been such an alarming hike in the price. This bait-and-switch if I've ever seen it.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax and XXXX by mail on XXXX separate occasions about correcting my personal information. I have sent in multiple copies of my identification card and my mortgage statement showing the correct name and address. They are refusing to update this information which is linked to multiple negative accounts that DO NOT belong to me! This is damaging my credit report as I have not been able to apply for anything in the past 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report with Transunion for over a year now they have incorrect information on file with my bankruptcy they have deleted some Information but not everything before they claimed that they verified it but wont ever tell me how it was verified or who verified it. I contacted the bankruptcy court I filed with and they said they do NOT share full social security numbers or any personal information on a bankruptcy so how was it verified? also I checked XXXX  for any information that is public and they do not share social security numbers or any amounts owed or anything which Transunion is reporting and these amounts are also incorrect on my report now they reply with a letter saying this dispute doesnt look like you and wont check on any of my disputes or anything I have letters for this as well Im the photos I attached are the letters that they have sent for the last 2-3 disputes wont verify or answer any disputes, and the other 2 are whats include which are names only of each company not amounts or dates and does not show a full social security number so if the court doesnt verify any of this information then how did they get it?
Product: Debt collection

I see Spring Oaks capital LLC on my XXXX  report for {$650.00}. I've tried disputing this twice and nothing happened. When I looked this company up online, I came across XXXX. When I searched Spring Oaks Capital, I saw that they were banned from collecting debt in the state of New York where I reside. I have no idea who these people are or what they want or how they got my information.
Product: Checking or savings account

On XXXX separate occasions my Wells Fargo XXXX account was hacked and I am requesting my money back for a total is {$2600.00}. 
These were not approved and I want my fund returned to my account.
Product: Credit reporting or other personal consumer reports

Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error. 
The following items must be amended to " Paid as Agreed '' on my consumer report : XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX XXXX ) Payment Status for Month of XXXX, XXXX Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.
Product: Mortgage

Since XX/XX/XXXX we have been actively attempting to obtain a payoff quote for our HELOC held by PHH Mortgage so that we may payoff and avoid foreclosure proceedings. The HELOC matured in XXXX, XXXX while we were in Chapter XXXX reorganizational bankruptcy ( filed on XX/XX/XXXX and discharged on XX/XX/XXXX ). We have been trying to work with Ocwen Financial the HELOC holder, now PHH Mortgage ( XX/XX/XXXX ) to resolve. We were advised by Ocwen/PHH that modification and payments would not be accepted. The only resolution to avoid foreclosure was to payoff the loan in it's entirety. 

We have secured loan funding which is ready to close but we have been unsuccessful in obtaining a valid payoff quote. We were advised that a payoff quote was forthcoming on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I requested a verbal quote I was told it was not available in my file. I was also told a Relationship Manager was assigned but have been unable to reach or receive a call back. Instead I was placed in a holding queue receiving inaccurate or conflicting information at every call. I was advised on XX/XX/XXXX that a payoff quote was issued and would be faxed to our Escrow Officer. The payoff would be good through XX/XX/XXXX. I was advised again today, XX/XX/XXXX, that the quote was faxed to Escrow Officer on XX/XX/XXXX - it was not. They also could not provide the figure of the payoff verbally, We have also tried to contact XXXX XXXX, XXXX the Foreclosure Attorney leaving a voice mail ( only option provided when voice mail box was not full ) to no avail. I have spent in excess of more than 30 days and over 24 hours of cumulative hold time spent trying to avoid foreclosure proceedings and payoff the quote. Please note the 'Notice of Default ' that was filed on on our property on XX/XX/XXXX only provided PHH contact information by which to obtain a payoff quote and lists 90 days to resolve. The payoff figure listed showed a good through date of XX/XX/XXXX ( we received on XX/XX/XXXX ). We are nearing the expiration of the Default with foreclosure impending. Again, we have loan funding at the ready to close but can not get a payoff quote. I find this to be completely unacceptable and as such have filed a complaint with the XXXX XXXX County Consumer affairs. I will also be filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel. I respectfully request escalation of this issue with immediate resolution in the form of a payoff quote.
Product: Credit card or prepaid card

Comeity Bank which is used for my Lane Bryant has had a system outage since XX/XX/XXXX it is now XX/XX/XXXX and they keep with drawing money from my account. I can not get a hold of customer service for 10 days as there system has been out.
Product: Credit card or prepaid card

On XX/XX/22, someone fraudulently applied for a credit card with Bank of America in my name. I was alerted by XXXX via text of the Credit Inquiry attempt. 
On XX/XX/22, I received a text from Bank of America stating that my credit card application had been approved and I would receive my welcome packet in the mail within XXXX business days. 
On XX/XX/22, I received a text from XXXX that Bank of America had successfully inquired into my credit. 
On XX/XX/22, after receiving the text, I contacted XXXX about the fraud and had a freeze placed on my credit. I also contacted Bank of America to alert them to the fraud. I was told someone opened a credit card on XX/XX/22 in my name, using my current address. The card had been issued and {$3000.00} had already been charged for an XXXX. Bank of America has placed an entire block on the card ending in XXXX so it can't be used for any other transaction, be it a credit charge, ATM withdrawal, etc.
Product: Credit card or prepaid card

I attempted to reach a rep with Comenity Capital Bank earlier this evening, was unable to reach a manager due to staffing levels with current pandemic. This is in regard to a possible settlement amount, if paid in full. I was prepared to accept a settlement amount say up to 30 % of balance, again if paid in full. I am currently experiencing financial difficulties and would like to save by pay off account in full at a discount. The account is on a hardship program with no interest, however, I will pay off the account in full if a reasonable settlement amount is offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has committed fraud and falsely reported accounts, addresses, inquiries, and employers on my consumer report.
Product: Payday loan, title loan, or personal loan

I have had a title pawn with XXXX  XXXX for 2 years and I pay XXXX a month..but if I'm late I pay XXXX per day that I am late. For the last 3 months I have really struggled..the payment has went from XXXX to as much as XXXX per month. Last month I informed the store manager that I would be late and she said well XXXX you are always late and this is an ongoing problem. I said yes I am late but i always pay all fees associated with the account. So the store manager say come in on Friday but I can't extend your loan. And that was on XXXX the XXXX..and I asked for another extension..but it was denied. This is a trap for a person to never get his or her title back.
Product: Credit card or prepaid card

On XXXX XXXX, I made a purchase from XXXX XXXX Jewelry in XXXX XXXX, NV, of a wedding band that was to be made to fit with my engagement ring. The jeweler 's representative talked me into signing up for deferred interest financing of the purchase, which under normal circumstances would be fine, however this was not a normal transaction. Within 72 hours, I contacted the jeweler 's representative and asked to her to cancel this the wedding band, as it was determined by my husband and myself that purchasing both rings at one time would be too expensive. 

The jeweler claimed they could not cancel the purchase, that it was special order. However, the wedding band would be required to be made AFTER the engagement ring so it could fit properly next to and under the engagement ring. I insisted the order be cancelled and reiterated that cancelling at that point, less than 3 days after the purchase, would not cause the jeweler any harm as there is no way the ring had been started since it would not occur for at least 21-30 days from the time of purchase to allow time for the engagement ring to be made. They continued with the process of making the engagement ring and ignored our future requests to cancel the wedding band. I made multiple attempts to contact the owner of the company to discuss the matter, however we were always told he was out of town. It wasn't until we left a negative online review of our purchase that the owner decided to send a threatening email which stated he would have his attorney file libel charges for making false allegations against him online. 

The jeweler took over 90 days to make the engagement ring, and despite insisting multiple times to cancel the wedding band, they stated they made it anyway. However, the engagement ring was sent but we never received the unwanted and cancelled wedding band order, DESPITE BEING CHARGED IN FULL FOR BOTH. 

The jeweler charged us IN FULL, for BOTH rings on the date of purchase, which had a 12 month deferred interest promotion. We have disputed the wedding band portion of the purchase several times with Synchrony Financial, the credit card issuer, and each time they NEVER contacted me despite providing them with proof of cancellation request shortly after purchase. The issuer also continued to count the time during dispute as part of the 12 months of the special promotion period, even though we fully dispute the purchase. 

We have even gone so far as to travel all the way from our home in Florida all the way back to XXXX XXXX to resolve the issue, however the owner refuses to give us equal compensation for the wedding band purchase. We have gone above and beyond in attempts to resolve this, yet the credit issuer, Synchrony, refuses to protect us as consumers, from an unscrupulous Jeweler. Its been 15 months and we are still being charged for an item we did not want, do not have, and now we have been charged deferred interest on the purchase by Synchrony Financial. This is just not right, we deserve to have rights when making purchases.
Product: Debt collection

As a follow up of complaint ID XXXX. 

After reviewing my recent consumer report, I have noticed that Fed Loan Servicing has failed again to comply with the federal law. They have furnished numerous late payments to my consumer report from their company. 

They have stated and I quote, " Effective XX/XX/2022, your Direct XXXX Loans transferred to a different servicer, XXXX. Because FedLoan Servicing no longer administers the account, no further action is planned at this time. If you wish to pursue this matter further, you would need to contact the new servicer directly. '' Thus meaning, that this company committed an act that they want me to contact another company to resolve. 

As of XX/XX/2022, Fed Loan Servicing is in violation of the federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ). 

In addition to transferring my personal and private information to another company without my consent, Fed Loan Servicing needs to provide the original instrument of indebtedness with my wet signature or proof that it still exists. Please confirm that what you are sending states that I am the obligated party for repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & TransUnion have not removed a disputed debt currently owned by XXXX XXXX XXXX reported on my credit report. XXXX  purchased the alleged debt from XXXX XXXX. 

XXXX  has done their proper due diligence and has had the incorrect debt removed from my credit report.
Product: Mortgage

This Home Equity Loan was originated XX/XX/XXXX with XXXX XXXX XXXX which was acquired by Wells Fargo in XX/XX/XXXX. It is a twenty year loan with a fixed rate of 6.79 %. The monthly payments are contracted to be in the amount of {$770.00} per month. There is no prepayment penalty. After the transition to Wells Fargo, I noticed that the monthly payment statements reflected a lower ( and always changing ) Total Amount Due. I also noticed that the addition amount that I was paying, was not being applied toward the principal. On the statement, the addition amount paid is listed as " unapplied ''. Also, the amount due on the monthly statement, does not reflect what the bank representatives have on their computer data base, making the payment process extremely difficult, as well as financially detrimental to the borrower. For example, one month the amount due on the ( mailed ) Payment Statement, was a lesser amount than what was on Wells Fargo 's computer data base. The bank representative informed me that if I had paid the total amount due on the Payment Statement, the account would be deemed delinquent. I have contacted Branch Managers as well as Wells Fargo Headquarters requesting a audit of my account, as well as a payment history, to ensure that all additional payments have been applied to the principal. I received " screen shots '', none in order by date. After multiple requests for an audit, they refuse. It appears that the additional amounts paid have been " rolled over '' each month and not applied to the principal. I took the " screen shots '' to a XXXX  XXXX XXXX, who reported to me that there were many discrepancies, and advised that I should file a complaint.
Product: Debt collection

In accordance with Fair Credit Reporting Act : This creditor has violated my rights. 

Under 15 USC 1681 section 602 ; States I have right to my privacy.

15 USC 1681 section 604A section 2 ; Consumer reporting agency can not furnish my account without my written instruction.

15 USC 1666B. A credit agency should not treat a payment on an account XXXX XXXX XXXX XXXX XXXX  ) under an open and consumer plan as late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX military member that recently came home from XXXX XXXX orders. All of my payments are up to date and never more than 30 days late. Wellsfargo my home mortgage company just reported me for late payment over 30days. These payments were to be automatically deducted from my account. It seems that they tried to withdraw the funds from my account but it didn't go through. Wellsfargo then stopped accepting my automatic payments. I did not know this had occurred because I'm signed up for paperless billing. Once I noticed by signing into the account. I immediately paid the account. 

We are also in the middle of a pandemic. Transitioning from XXXX XXXX to civilian life has been very challenging during these hard times of the pandemic. I understand they are not allowed to report late payments during the pandemic. As you can see from my credit report I've never been late on any payments. This reduced my credit rating by XXXX points. 

I need this to he removed immediately as I'm trying to refinance my home and will greatly impact the results. Could you please help?
Product: Credit reporting

I have been trying to obtain a Harp Loan for several months, getting nowhere. I checked my scores in XX/XX/2016 had all incorrect information corrected. In XXXX I began my search for a mortgage company. XXXX was the holder of my lien and I was desperate to get out from their control. 
I had previously filed a complaint against XXXX for breaking the law, withholding evidence, taking deceptive measures to avoid being exposed for their culpability in preventing the arrest of this person which lead to my loss of thousands of dollars. 
When I checked my scores a few weeks ago, XXXX had accessed all XXXX credit agencies and added a " Fraud Alert '' along with a statement I made sometime in the last 3 years when I told them if any accounts are accessed again by scammers, thieves, or whatever action resulted in my loss, I would never repay the loss on fraudulent checks again. 
I am amazed they would attempt this soon to wreck my credibility. This is what happens to good people when banks are not held accountable. 
In your report to the OCC you mentioned the high number of complaints against XXXX not giving Executors and family members access to deceased records which is their legal right to obtain. XXXX gets away with noncompliance consistently. What gives them the right to access my credit report and post a FRAUD ALERT on a whim. Could it be they wanted to keep me from getting a refinance in order to keep my loan with them? 
I disputed what they did with Transunion and the comment was removed immediately. 
However, when I received my letter from them saying it was removed, I asked them when it was originally posted and by whom, they said that information could not be disclosed. I found a way to access who posted it but their was no date. I have no idea how many companies read my report. 
Knowing from experience that it does not matter how much documentation you spend your time on proving your case, it really does n't matter, if ever needed, I will provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.