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 unde

r 15 USC 1681. The letters are stated with items and issues. 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: Mortgage

I am XXXX XXXX XXXX and Flagstar approved me for for an affordable loan modification but the payment was {$7000.00} per month. My original mortgage payment was {$3000.00} per month and while I knew the payment would increase I never thought it would more than double. They knew that I would not be able to make such a payment so the modification was a bad faith attempt from flagstar to capture my property through foreclosure. They would not negotiate until I reported them to the Consumer Financial Protection Bureau ( CFPB ). They promised to send a new more Affordable modification payment but they never sent the updated contract/agreement. 
Instead they made me continuously apply for modifications requesting more and more documentation as if they forgot that they already approved me and THEY WERE SUPPOSED TO SIMPLY SEND ME A NEW CONTRACT WITH A LOWERED PAYMENT. 
My property has a new scheduled foreclosure sale date for XX/XX/year>. I have no new modification agreement although they promised me XXXX. 
On XX/XX/year> FLAGSTAR Bank sent me a letter with a Single Point of Contact person by the name of XXXX XXXX, that would supposedly help me to get my modification in order. Ive called her to no avail and have now been told that there is No Such person working in the Flagstar Loss Mitigation Department! The Bad Faith and now Fraud continues to plague the whole process of me keeping my home! 
After realizing that I was being defrauded and distracted while the XX/XX/XXXX Foreclosure sale date nears, I sent In a new modification application on XX/XX/XXXX which they claimed can not be processed because its less than XXXX until foreclosure sale- although I was already approved? 
My home is currently in jeopardy because of XXXX intent to continuously use deceptive practices to take my home. They are using Elder Financial Abuse tactics and I need help!
Product: Vehicle loan or lease

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

GM FINANCIAL XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried endlessly to fix the problems I am having with the reporting of these erroneous items on my credit. With no response, validation or help from the major reporting Bureaus I don't know what else to do. These accounts are really effecting me and stressing me out because of the way I am judged by the wrong reporting of these Bureaus because of them violating compliance when reporting. The accounts that have not been validated and are effecting me negatively are, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Please delete these accounts immediately or I will be seeking litigation.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I continue to face two issues with MOHELA that I can not get resolved. I have tried to call them at least a dozen times but never get any resolution and have only spoken to a representative once or twice and they can't figure out what is wrong with my account. Typically when I call the wait time is over an hour and I will request a call back but they never call back. My two main issues are as follows : 1 ) I am, and have been, enrolled in auto-debit but the loans do not reflect the .25 % reduction in interest rate and continue to accrue at the higher rate. I have sent MOHELA messages asking that they update my loans to reflect the proper rate and refund me for the unlawful accrual at the higher interest rate. 

2 ) The amount owed monthly vs. the amount that auto-debit withdraws vs. another amount MOHELA states I owe are all different amounts and I can not get a straight forward answer of how much my actual payment is each month. I have no idea if I am overpaying, underpaying, or paying the correct amount. In XXXX, the MOHELA account overview said I owed {$370.00} on XX/XX/24 but on the same page it says auto-debit will withdraw {$430.00} on XX/XX/24 ( I do not have auto-debit paying any extra per month so this amount should reflect my payment method ) and further down on the same page it says I owe $ XXXX. Currently the MOHELA account overview now says I owe {$300.00} on XX/XX/24, but it says auto-debit will withdraw {$430.00} on XX/XX/24, and again further down on the same page it says I owe $ XXXX. 

There is over {$100.00} difference between these numbers with no explanation as to what is the correct number and why there is a discrepancy. I have attempted to call MOHELA many times but the one time I talked with someone they said something was messed up with my account and to wait until the payment posted ( which I did ). I do not believe MOHELA is providing an accurate accounting because they are providing literally three different accountings of what is owed and can not articulate which one is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account Number XXXX and Account Number 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/2023 I sent PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX a debt validation letter via certified mail. I instructed PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to cease collection of the alleged debt while efforts are made to obtain verification. Until they resolve this error with the creditor any reporting of this matter to credit reporting agencies is premature. Until they have investigated my dispute, they should not relay negative information to any credit reporting agency. PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been consistently breaking federal law! It has been well over the allotted time need to address my demands and they are intentionally and deliberately disregarding my notices.
Product: Mortgage

Our mortgage statement indicates that there is no late payment until the XXXX of the month. XXXX, even though I make the payment before the XXXX we receive statements that are issued prior to the XXXX and indicate a past due payment. This adds to the overall cost of the mortgage. I called company about this and I was told that there are no additional costs to the mortgage just because the new statement does not include the latest payment. For example, I paid XX/XX/XXXX payment on XX/XX/XXXX. I paid current payment and added payment principal payment of {$150.00}. Statement dated XX/XX/XXXX ( attached ) and received on XX/XX/XXXX shows a past due balance. 
Seterus consistently issues monthly statements prior to the XXXX of the month, causing the perception that the payment is late, thus allowing them to omit applying most recent payments and incurring a higher mortgage balance as a result. If there is no grace period and the payment is in fact late, why does the late fee begin after the XXXX. This policy has negated all of the extra principal payments we have made, although Seterus denies it, but simple math indicates otherwise.
Product: Mortgage

I 'm writing to report illegal interest charges on my mortgage account with Freedom Mortgage. I refinanced with Freedom Mortgage, and my closing date was XXXX/XXXX/2016. On XXXX/XXXX/2016, I sent in payments totaling {$6300.00} to cover my statements due for XXXX 2016, XXXX 2016, and XXXX 2016. In addition to sending in these advanced payments, I e-mailed the company to ensure they knew that my payments were meant to be put towards future months, and that as a result, I should not be charged interest for the months of XXXX and XXXX because I 've paid for those months in advance. However, for the past three weeks, I 've been calling Freedom Mortgage because they 've applied my payments incorrectly and have charged me an additional {$1700.00} in interest for the months of XXXX and XXXX, which have not even arrived yet. At the time of my payment on XXXX/XXXX/2016, I had n't even reached the XXXX/XXXX/2016 due date for the XXXX payment. When I called in to speak to several supervisors ( XXXX, XXXX, XXXX, XXXX, and XXXX ), they each have told me that even though I 've paid for XXXX and XXXX well in advance of those months accruing, they are charging me interest regardless. There have been exactly XXXX days between my XXXX payment and my XXXX and XXXX payments, which means that I have accrued exactly {$0.00} in interest for those months based on the terms of my loan, however, it is nearly a month since I 've been going back and forth with this company to have this corrected. XXXX even told me that I was not allowed to send in more than 3 months of payments in advance towards my account. I would like to file a formal complaint with the State of New Jersey and all appropriate government agencies related to this problem. Please contact me as soon as possible to help me resolve this problem.
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 XXXX # XXXX15 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. The date of service is XX/XX/XXXX and also XX/XX/XXXX 2019
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 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting

I was involved in a real estate investment over 10 years ago. I lost XXXX property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate personal information on my credit report. The address, phone number and multiple names are inaccurate. I provided them with the correct information and they have not updated it yet or removed the invalid information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i received a copy of my credit report and seen i had some mistakes listed. i sent out 3 letters out to the credit bureaus stating there had wrong address listed. I have not heard or seen any results its been 30 days. I have not received anything in the mail or via email that it is even being investigated here is a copy of the letter as well as the tracking numbers to the certified mail.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT To Whom It May Concern : I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by XXXX XXXX XXXX/ Account info Account number XXXX Balance {$6900.00} Balance updated XX/XX/2024 ( Original Creditor ) in the State of Alabama XXXX on or, and resold on or about DATE. Under the laws of the State of ( XXXX  ) UCC and State XXXX  and XXXX  statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC Article 9 remedies. Sincerely, XXXX
Product: Debt collection

KIMBALL TIREY STJOHN has tried to collect a debt that I dont owed
Product: Vehicle loan or lease

I was not credited for some payments made by ACH. One of the payments was credited then almost 2 weeks later reversed. I called numerous times to inquire and the customer service reps were unable to tell me what happened or why. So, in writing I requested an audit of the loan.I never received a response back, then they sued me for Breach of Contract. They also had a repo come and take my truck. I went the next day and got the truck back, because I am the Secured Party and have first lien rights to the truck. I am a Secured Party Creditor.This was XX/XX/2018. In XX/XX/2018 I submitted a Bonded Promissory Note for XXXX to discharge the full amount they said was due. Almost 1 full month later I received a letter from them that they do not accept Bonded Promissory Notes, but they did not send it back to me. If they don't accept them, they should have returned it within 72 hours according to REGULATION Z TRUTH IN LENDING ACT. Instead, they sent me a copy of it. So, I wrote them again, requesting the instrument back, un-endorsed, if they don't accept them, they need to send it back. They did not. I wrote them 2 more times requesting it back, no response. In the meantime, there is still an open court case, 2 years later. They are still reporting it on my credit report. I wrote to the attorney representing them, notified them that I had tendered payment 2 years ago and was never credited. They have never responded. Also, the Uniform Commercial Code / U.C.C. 3-603 states that when Tender of Payment is made and is refused THERE IS DISCHARGE. Even if they never credited it, they received it, admitted they received it, so I should have been credited for it. I just want this thing resolved. I don't think it's right for them to take me to court, do nothing, but keep the case open and keep reporting it on my credit. I would really appreciate some help. Thank you
Product: Debt collection

I noticed a debt line on my credit report for a collection account. It apparently belongs to Portfolio Recovery Assets, with whom I have never been in contact with or know. I have no contracts with them nor understand who they are. I disputed the reporting on my credit reports, and their " verification '' was a printout that was illegible with what was supposed to be my signature. They have absolutely no proof that I have any account with them or how they came to the amount they claim I owe them. This is seriously impacting my life as it has ruined my credit. I want them to remove this from my credit report immediately and stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.