23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is serviced by XXXX XXXX ( XXXX ). InXX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, XXXX, put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending sinceXX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please REMOVE the following inaccurate items in my report : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureau reports, Lobel Financial is reporting that I am missing payments each month since ive had car repossessed. I have called multiple times to Lobel Financial and they have told me they have no record of them reporting missed payments or that my balance has been increasing each month. I have disputed with all credit bureaus informing that my balance should be the same as it was when it was first reported and that my score shouldnt be changing in regards to these " missed payments ". Lobel states my balance has not changed in their system and is showing XXXX for my balance and not XXXX which is showing on the credit bureaus. The credit bureaus are getting information directly from Lobel so my concern is the company is not reporting correctly. I do not know what to do from here.
Product: Debt collection

The company has been calling me everyday at work and home. All of my debts have been cleared ( paid off ) but this company ca n't seem to get it together. My credit report is free of any collection accounts because I have paid off the accounts I owed. This company is harassing me and when I tell them not to call, they say they will call anyways.
Product: Credit reporting or other personal consumer reports

To whom this letter reaches, it has come to my attention after looking over my XXXX and Transunion XXXX reports. Experian report # XXXX and Transunion report # XXXX that the following accounts are not mine and incorrect and according to the FCRA XXXX to be removed from my credit file within 15 days of receiving this notification. 

These creditors listed below do not belong to me nor do they belong on my credit file. In accordance with the Fair Credit Reporting Act, Account Names and # XXXX : XXXX. ) XXXX XXXX # XXXX ( Account does not belong to me, and I've never done business with XXXX XXXX nor signed any contracts with this company ) XXXX. ) XXXX 's # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). 
XXXX. ) XXXX # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). These listed creditors have blatantly lied and violated my rights. 

Under the FCRA, Credit Bureaus such as yours and Lenders by LAW must ensure that the information they report is 100 % accurate and truthful. Also, the following laws state 15 U.S.C. 1681 section 602a States that I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 623 : A furnisher must NOT furnish inaccurate consumer information to CRA 15 U.S.C. 609a : Requires consumer reporting agencies to upon request disclose ALL information in consumers file at time of request and the Sources of information ( Which I have requested from all listed and NEVER Received ). 

Please update my XXXX XXXX XXXX and Transunion XXXX XXXX with a DELETION of all listed items within 15 days of this letter due to the files being incorrect, untruthful and ownerless. They are NOT my debts ; they dont belong to me and are not my doing. Please understand that I am suffering great damage to my credit because of these bureaus neglect. I will be escalating this matter with the attorney general if not handled correctly under FCRA law. 

I appreciate your prompt attention to this matter and look forward to having this corrected.
Product: Debt collection

They ( Synchrony Bank  - Amazon Credit )  call multiple times per day 7 days a week. Sometimes calling more than once in the same hour. They have never left a voicemail. The calls are so intimidating, I do n't even want to answer the phone to discuss my account with them.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : unsubstantiated Amount Charged Off : unsubstantiated I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid off by the unemployment Insurance that the loan carried and it does currently show as paid 100 % the the account went into my default on XXXX then the company re reported on XX/XX/XXXX witch is not the correct information and should be removed by the FCRA this information needs to be removed. In Equifax the last payment was recorded as XX/XX/XXXX and in XXXX  last payment was recorded on XX/XX/XXXX this show that the XXXX XXXX it's failing to report accurate information to my credit files this is a violation of the FCRA and this item must be permanently removed from my files by law or otherwise will suit the company for reporting inaccurate information on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent Experian a letter informing them of unauthorized collection on my consumer report. I requested the unauthorized collection to be removed from my consumer report they have not responded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance {$17000.00}
Product: Checking or savings account

I experienced fraud and a security breach at Chase Bank. Fraudsters has breached Chases customer service phone number and managed to access my online banking credentials. They tried to wire transfer $ XXXX ( my entire bank balance multiple times ) over the course of two months. 

B/c I've been banking with them for XXXX years, I tried to work with them in changing my debit card info, also closing my older checking account, but Chase has been unable to stop the repeated attempts. I was told Friday XX/XX/XXXX, that their customer service system was breached. It took two months for them to disclose this information to me. 

I finally closed my checking account, changed my cell phone number ( got a number cell number form a different carrie ) and I am now getting Chase customer fraud care calls on my number cell number and text on this new number. I did not give this number out to anyone, my husband doesn't even know this new number. However, this morning I received a call from " Chase customer service '' and a Chase mobile number asking me whether I authorized a charge and asking for verification. I gave Chase the local bank branch my new cell number. 

This has been a two plus month ordeal and Chase is not telling the public or anyone about the breach. This seems really irresponsible and not ok.
Product: Vehicle loan or lease

I purchased a new car on XX/XX/2018 from XXXX XXXX XXXX XXXX, who sent the payoff and a subsequent extra lease turn in fee to Honda Financial Services. Honda Financial Services refuses to post the payment and close my account. They are calling me daily to threaten me with late payments fees and reporting.
Product: Bank account or service

Bank of America starts to charge my checking account a maintenance fee I have never been informed about. I talked to them multiple times and they simple say they MUST have informed me. I know I have never been told about this fee because I asked about maintenance fee when I opened the account. This kind of dishonest practice should not be tolerated in a lawful society.
Product: Credit card

Since XXXX, I have been trying to verify and activate my target red card. Every time I have done so, it has given me an error screen. Upon calling customer service, each time I am redirected to a different number in which I am given three options to choose from, all of which do not help me. 

Last week I finally got into the website to pay, and my payment was refunded and my balance due is still shown. I have been charged with an extreme amount of interest during this time and my credit score has tanked. 

Now, there is no window to actually pay the card. Instead, I am given a bunch of links to reset my passcode, the same phone number that doesnt help me, and a few unhelpful instructions.
Product: Debt collection

Mandarich Law Group , LLP sent a summons for an alleged credit card debt amount. However, they violated the FDCPA regulation F that states, " ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; '' They used a rushed and improper method, and therefore did not follow proper protocol, resulting in a faulty court trial case.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME REACHING OUT TO THE BUREAUS. THESE INQUIRIES ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I DIDNT AUTHORIZE THESE ACCOUNTS AND THEY ARE VIOLATING MY RIGHTS ACCORDING TO THE FDCPA. THE CREDIT REPORTING AGENCY CONTINUES TO VIOLATE MY RIGHTS ACCORDING TO 15 USC 1692. I AM REQUESTING THAT THE CREDIT REPORTING AGENCIES STOP REPORTING THESE FRAUDULENT INQUIRES AND VIOLATING MY RIGHTS ACCORDING TO THE 15 USC 1692.
Product: Student loan

I graduated University  XXXX   XXXX  on  XXXX ,  XXXX  I had taken out a substantial amount of student loans to pay my balance, six months after graduation,  XXXX   XXXX  ; I get a lette r ( Works & Lentz ) an d I call company that implied they were lawyers reviewing my debt owed to  XXXX - I informed them I was seeking employment within my field of study and I was yet to get formal employment however all my   XXXX   debt was going to be consolidated.  Works and Lentz (   XXXX , Ok )  officer fai led to inform me this debt was due to a student balance I had with  XXXX  and that it did not qualify to be consolidated. I never heard from them again. Later I get paper work consolidating my debt and I assume everything is fine.   On  XXXX   XXXX ,  XXXX  I get a phone call from a  Works and Lentz stating  they are an attorneys office-officer told me they represent  XXXX  for this debt.   I explained to them all my debt is consolidated, they said not this one and that they 've had this outstanding debt since  XXXX .   I asked them why have n't I been contacted sooner, the lady said " this is your debt not ours ''.   I spoke to  XXXX  who can not inform me as to why they did not give me the chance to settle this debt with them. The week my grace period was over after graduation they just forward me to a collections agency.   I also ask them why d id Works & Lentz  contact me 1 year and 10 months after I first made contact with them ; the lady at  XXXX   XXXX   XXXX  said they are n't responsible to provide accurate contact information to Works and   Lentz.
I requested a letter from Works and Lentz-   they are charging me for just requesting the letter ( which does n't event give me an account summary, letter states I have to submit it in writing ). The letter is giving me 5 days to pay the balance in full.   What is the urgency, they have been the once that taken 1 year and 10 months to contact me regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written six ( 6 ) letters to Comenity Bank regarding their reporting of a fraudulent XXXX XXXX account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX and XXXX XXXX credit reports. The only communication that I have received from Comenity Bank was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Comenity Bank.
Product: Credit reporting or other personal consumer reports

I never received any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

Allegro credit closed my account with one payment remaining. Have been making payments each month for about 20 months and am ahead of billing. Now, I go to make the last payment and account login doesn't work. They also do not pick up their phone even during their scheduled business hours and it just says not open for business. I think they are perpetuating a scam and trying to make me late or not accept this last payment in order to bill tons of interest. Similar complaints are on the XXXX  website. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

For many years Bank of America visa has been sending convenience checks to my mailbox. I never use them. I have no need to use them and they go straight in the shredder. On XX/XX/XXXX I flew to XXXX  on holiday and on XX/XX/XXXX XXXX of those checks was written for {$500.00}, and definitely not by me. The most likely explanation is that my mail carrier delivered the latest tranche of these XXXX checks into someone else 's box and they spent one. This is concerning on many levels. I fail to see how such a check could be spent by anyone, anywhere, without identification, and given that I've not misplaced any identification it would've been impossible for any fraudster to present it. 

I filed a dispute which in and of itself took way longer than it should, but it finally was accepted, and the charge and fee was removed from my account. A couple days ago the {$500.00} charge was put back on my account. I also requested a copy of that written convenience check and understand to whom it was written. That has not been provided to me. 

This is the second time in two months that I've had to deal with astonishingly bad customer service from a bank I've been associated with for 34 years. It's time to find a new bank.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX FIN XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that I was reported late to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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