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

Pandemic Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX Subject : Dispute of Inaccurate Reporting and Violation of 15 USC 1681 S-2 ( F ) and 15 USC 1666B ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. This will be my second attempt regarding this matter of the inaccurate reporting of my accounts, which is in violation of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 S-2 ( F ) and 15 USC 1666B .

I reviewed my credit report and discovered that late payments were reported from XXXX XXXX XX/XX/XXXX. I would like to list XXXX XXXX XXXX and Capital One, to bring to your attention the fact that these late payments occurred during the period covered by the CARES Act, which provided temporary relief for consumers facing financial difficulties due to the COVID-19 pandemic. Not only were these late payments covered, but I called XXXX XXXX XXXX and Capital One, due to the hardship, made accommodations, and was assured the account would remain in good standing during this time frame. I am hoping this is a billing error, however it is still in violation of 15 USC 1666B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, SD   XXXX  Inquiry Date : XX/XX/2018
Product: Credit reporting or other personal consumer reports

It's incredibly XXXX, and you can't imagine how bad it is. I'm an honest person working hard, but when I look at my credit report, all I see is false, incorrect, and inaccurate information under my name. As a consumer, I know I have rights and protections, but it feels like a lie. I want to uphold my rights under the law, even though these errors are already negatively impacting my life and credit. I need your help to fix this. I'm sick and tired of living paycheck to paycheck and having my credit applications denied because of these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up with a previous report I submitted regarding FRAUDULENT INFORMATION. I DO NOT KNOW WHY THIS INFORMATION HAS NOT ALREADY BEEN BLOCKED AND REMOVED FROM MY REPORT.I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX data Breach in 2017. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for
Product: Mortgage

I refinanced my home in XX/XX/XXXX with XXXX. The collected taxes due - {$1800.00} - were to be paid from the closing proceeds. They also collected {$600.00} initial escrow for making my homeowners insurance payment which was due in XX/XX/XXXX. Before I could make my first payment, the loan was sold to LoanCare ( a XXXX company ). Everything seemed fine until sometime in XX/XX/2017, I received a notice that my homeowners policy has been cancelled due to no payment received. After a call to LoanCare, they made payment to restore my insurance. It was at that time, I noticed my escrow balance was in the negative by over {$1000.00}. I was unsuccessful getting any explanation from LoanCare, so I contacted XXXX to insure my initial escrow balance was transferred, which it was. I confirmed that with LoanCare later. It was at this time ( probably XX/XX/XXXX ), I was informed that LoanCare had paid my tax bill in XX/XX/XXXX. So I subsequently called the XXXX County Revenue Dept and they confirmed they had received two tax payments ( one in XX/XX/XXXX from the closing proceeds and another XXXX in XX/XX/XXXX from LoanCare ). They further informed me the duplicate payment had been returned to LoanCare on XX/XX/2017. I called LoanCare again ( this was about two weeks ago after I received my statement still showing a negative XXXX escrow balance ). The " customer service '' rep informed me their escrow payments are processed by a 3rd party who could not be contacted but that it takes 30-60 days to process returned payments. They could n't provide a contact at the 3rd party nor could they confirm they had even received the returned payment. Their website does n't provide escrow balance information so I can not confirm if it has been processed yet ( 60+ days later ). I also emailed their customer service department to request this be resolved and with the additional request that I take control of making these payments since they are so inept. No response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  and experian and XXXX XXXX have all illegally reported transactions that are inaccurate and they never had my consent and I am a protected consumer by federal law and I have a right to privacy and I have to be notified that i have the right to opt out due to my right to privacy act of 1974. 

they have been reporting and causing me to have a lower score, damaging my to credit and violating my right to privacy and they are not to report without my expressed and written consent 15 usc 1681 and I need this account to be updated and deleted as I have NO COLLECTIONS. They are violating the FCRA and the FDCPA. I have a right to privacy and they are violating me.
Product: Debt collection

They keep reporting a car I never had and they violated the cease and desist multiple times
Product: Mortgage

As of XX/XX/XXXX, I have paid my mortgage on time for the past 36 months, in which the HAMP program required and they took XXXX off each year i paid on time. ( I had ACH withdrawals ) ' My mortgage was XXXX, now its down to about XXXX and I requested the mortgage company to set up Bi Weekly payments as of XXXX payment. 

I have been paying since XX/XX/XXXX on this home and they have gotten almost double. 
They told me in XX/XX/XXXX that in order to set up bi weekly payments, my account would have to be paid 30 days ahead.. I sent the paperwork in and they sent me a letter stating it was too late the Bi weekly account couldn't be set up because the paperwork did not arrive in time. I asked if I could fax the paperwork in a make another payment to put my account up and they said yes and then changed it to being 31 days ahead.. On XX/XX/XXXX I faxed the paperwork in and made a payment. 

XXXX ( XXXX XXXX fax phone XXXX option XXXX XXXX ) took another payment and set the bi weekly payment up for XX/XX/XXXX and XX/XX/XXXX.to be exclusively watched over by her. The 1st ACH will be withdrawn in XX/XX/XXXX. 

I recieved the same paperwork again that OCWEN mailed on XX/XX/XXXX stating they couldn't set up my BI weekly because the account was not 31 days ahead and when i called and told them XXXX had physically taken out the payment on XX/XX/XXXX and I had made another full month, they stated that the XX/XX/XXXX payment had accidentally been applied to the Principal. and the account needed to be 31 days ahead to set up bi weekly payments. This is so crooked and dishonest. 

I have been in this house since XX/XX/XXXX and have paid double what its worth. OCWEN is AKA as a PREDATORY LENDER
Product: Credit card or prepaid card

On XX/XX/XXXX I made a charge {$10000.00} on my Fith Third Bank card. Then again on XX/XX/XXXX a charge of {$5000.00} totally {$15000.00}. I made the purchases with XXXX with the understanding that if i did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 

Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted XXXX XXXX customer service no less than 4 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where a dispute case was opened. The requested information and additional information supporting my situation was submitted via mail. I recieved two letters via postal mail dated XX/XX/XXXX requesting more information and another dated XX/XX/XXXX a denial to the resolution. I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. She asked for additional information to be sent. I emailed and mailed the requested information again. On XX/XX/XXXX another denial letter was sent. AS it turns out, more information was needed. Fith Third will deny and close the case immediately after sending a letter for further infomation and will only reopen the case if the consumer calls in to find out why? 
My call to Fifth Third to the second denial was on XX/XX/XXXX. I spoke with XXXX who connected me with XXXX in the Denial Department. XXXX said yet again, more information was needed. I asked how would I have know further information was needed if it's not on the letter? Her reply was " You don't. You will have to call in and ask. '' This company made the disputing process very difficult for the consumer as they only correspond via USPS. Plus the constant " false '' denial letters are distressing as that may be thier goal. Whatever thier culture is, it is not to be on the consumer 's side. I still have yet to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit card or prepaid card

On XX/XX/XXXX my teenage son and I went to get cash from a XXXX machine using his Bluebird Card. He inserted the card into the machine and requested {$40.00}. The machine generated an error code and then reset with no cash dispensed. He tried a second time and this time it worked. The women ahead of him also had issues with the machine before he did. When we got home, I looked and he had two {$40.00}  transactions debited. We immediately contacted the credit card company the they started an investigation. After two weeks of not hearing, I called and they told me that they were not credited him back {$40.00} for the first transaction. No cash was dispensed for the first transaction that ended in an error message at the XXXX machine.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Mortgage

Received a forebearance from loancare due to a natural disaster. The term was 3 months ending in XXXX. In XXXX I tried to contact loancare and was unsuccessful, I finally reached them in XXXX and was told that there systems were down due to a glitch.I spoke with a representative and asked to review options to reinstate, I chose deferring payments to the end. I supplied the requested documents in a timely fashion and asked for a timeframe I was informed it could take 15-30 days. I was assured again that my credit would not be affected. I received a letter stating On XX/XX/XXXX that I was in default.I called and again was informed that when my forebearance ends as long as Im in the resolution stage I would be ok. I called today XXXX est to ask for a progress report and again was told my credit would not be affected when I informed the representative that her information was incorrect I was put on hold and when she returned her words were I just learned something new I at that point asked to escalate. I spoke with XXXX team leader I told her my predicament and that I had done nothing wrong and supplied all documents. I asked why my credit was affected and told her all her representatives had told me it wouldnt. Her words were you received correspondence and anything anyone tells you is incorrect follow the correspondence not the employee. My position is and always was resolution and a clean credit report. Her answer was write a letter disputing the negative report. I feel Im being treated unfairly disrespectful I also feel Im carrying the burden of misinformed employees and systems failures. My credit is now affected causing major issues and I have no resolution in sight. I feel Im being discriminated against due to my race Im preparing to escalate further.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I Made a payment of {$3000.00} through PayPal for marketing services for my business. I tried getting my money back because there service was never delivered and the merchant ignored me. I tried to contact PayPal and they say they could nog help me and the fraud department could not help me. now I lost money I don't have and PayPal is harassing me to pay my negative balance on my account that occurred because my business partner payed me the {$3000.00} to advertise and made a dispute against me. 

I have tried everything to show that the other company scammed me.
Product: Bank account or service

U.S. Bank has consistently charged overdraft fees to my account when there was in fact money in the account. On the most recent occurrence on XX/XX/2017, the account was never negative. They indicated that they charged an overdraft fee because there was a pending charge that could have put the account in a negative state if it cleared before the check in question.
Product: Debt collection

all of the above- refuses to dismiss as fraud when the company decieved me. 
onemain has not proven that they bought the account from a 3rd party collector.
takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. 

since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. 

therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.
Product: Debt collection

The company LVNV Funding also Known as Resurgent Capital Services L.P. has been contacted several times for verification of the debt the claim I owe. I have sent several letters to try and resolve this alleged debt they claim I owe, and there has not been a resolution to this matter. Over the course of two years several letters that was sent to them had came back as undeliverable. A letter was sent out on XX/XX/2020 and was returned two weeks later as undeliverable. They are damaging my XXXX  credit report by incorrectly reporting I owe a debt in the amount of {$790.00}. There has never been any contractual agreement between myself and LVNV Funding. In addition, this alleged debt they claim I owe is past the statute of limitation in the State of New York.
Product: Money transfer, virtual currency, or money service

I went into a store paid cash for a Net spend card. I listened to the instructions and provided all my information. After I tried using my card with XXXX and, trying with XXXX. Being unsuccessful in receiving a ride. After the next day I tried to use card, and was directed to there call system where they provided a subject number asking for the information I already gave and asking me to send through a email. I've never had difficulty in the past and I'm suspicious of there activities
Product: Credit reporting, credit repair services, or other personal consumer reports

i recieved a letter from XXXX XXXX  XX/XX/XXXX stating they were removing my discharged Bankruptsy from my file, i will attach the letter. I sent this notice to XXXX they deleted, my XXXX Bk from there file. i sent the same letter to Experian and XXXX. i disputed this item over and over, sent in proof of tne letter fro m XXXX XXXX, the XXXX from XXXX still remains on my file. in fact on most of my disputes, the resukts page they are unsure what exactly i am requesting of them. i called XXXX XXXX, they said tnat my bk from XXXX has been deleted off their verified system. They were filing a Description of Procedure amd disputing it be deleted from the unverified file system. after learning this i filed another dispute with experian and XXXX. i received a letter from XXXX XX/XX/XXXX i will forward. they explained to me that my bk acct was verified with XXXX XXXX as accurate and would remain on file until XXXX? how can they verify an acct as accurat that has beeen deleted off the verified and unverified ; files? i called XXXX in late XXXX, the associate that answered my call told me they dont even need to forwrd the dispute to the 3rd party verifier as long as it shows that the informatuin at some point was verified? that doesnt seem right? what must i do to get this file deleted off my report. i hope you are able to help with this situation. i also feel that only being able to use 100 and 200 words in a consumer statement to clearly describe a situation hardly enough to have you fully undersdtood
Product: Debt collection

WHEN I CHECKED MY CREDIT REPORT, I NOTICED THIS ACCOUNT THAT DOES NOT BELONG TO ME
Product: Checking or savings account

XXXX of 2022 my unemployment account was hacked on 2 different occasions. Ive talked to there fraud department on numerous occasions. I still have not received any feedback from Bank of America
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 Acct # XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of education/XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct XXXX XXXX XXXX  Acct # 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: Debt collection

WILLIAMS AND FUDGE INC has been calling me multiple times per day regarding a past due to tuition amount from XXXX University. This past due amount was previously paid for via my federal student loans. 

I have already paid back the balance still due for tuition directly to XXXX University. This company should not be contacting me at all nor placing a collection on my credit report. 

I have not received any notification in writing from this company stating I owe the amount of {$1600.00} as stated on my XXXX credit report. This means I am not able to dispute this debt nor am I able to assert my rights. 

I do not wish to be contacted 10x a day via phone as like many people during this pandemic I am working from home and consider these calls to be the same as contacting me at my place of work and disturbing my ability to work.
Product: Credit card or prepaid card

I currently hold the bank 's XXXX XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the XXXX XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I became aware of these changes on or around XX/XX/XXXX. On XX/XX/XXXX, I contacted the bank at the 800 number listed on the back of the card and was referred to my banker for further discussion. My banker advised me that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not. 

In my previous experiences with other nationally recognized banks, a grace period would be extended following the billing of an annual fee to a card account. This provides the cardmember with some time to consider whether the product has been a good fit, and whether or not said cardmember is interested in renewing for another year. In light of the above changes which were not disclosed prior and for which adequate time was not provided for customers to consider, the very least that City National Bank can do is offer such a grace period to its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days since my dispute, and I received a computer-generated stall letter from the credit company.