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

Pursuant to 18 USC 8, l ) owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 16814.

XXXX
Product: Credit reporting or other personal consumer reports

AXOS Bank falsely reported that I didn't pay my mortgage to the three credit bureaus. The bank did not credit my account with the payments each month making it look like I didn't pay. Their failure has damaged my credit and financially negatively affected me as I applied for car loans during this period. I want the credit reports corrected and I want financial compensation from the bank because I am paying a higher interest rate on the auto loan as a result of their gross negligence.
Product: Payday loan, title loan, or personal loan

Unfair discriminatory practices.
Product: Debt collection

Without any written information, the company Hunter Warfield Inc placed a negative remark on XX/XX/XXXX for debt collection of {$24000.00} on my credit score which had a significant negative impact on my credit report. This company has made multiple phone calls to my husband 's phone with no follow-up. 

The debt collection is claimed to be from our previous property management, charging us invalid fees due to the early termination of our lease. 

On XX/XX/XXXX we've informed by email by our former property management company we would move out on XXXX XXXX, XXXX, our lease was meant to expire on XXXX XXXX, XXXX. They have informed us that we would have to pay early termination fees as such : Provide 45-day notice in writing Our leasing team will find a new tenant. A leasing fee of 70 % is billed back to the tenant ( s ). 
Tenant is responsible for rent until the new tenant ( s ) moves in. 
Termination fee. Equivalent to one month 's rent. 

We stated that our move was due to job relocation and explained those fees would have exceeded the amount of the remaining months of our lease, and the conditions within the house have severely impacted my health and my son 's health, causing XXXX XXXX due to water infiltration they never took care and we reported multiple times. We were left with no choice but to leave as early as possible due to our son 's XXXX and my then XXXX. so we asked for mitigation which they denied. We paid a prorated amount for the month of XXXX. 
On XXXX XXXX XXXX we informed them that the property was vacant, and there were no keys to return since the house lock with a code. They stated that this represents a breach on our lease and we would still need to pay the remaining months of rent until a new tenant would be found. 

On XX/XX/XXXX, they sent us by email a statement including several items ( see attachment of the statement ) with a balance of {$24000.00} ; including repairs for the neglect of the pool charged for {$22000.00}. They threatened us to close the balance within 30 days or the bill will be sent to collection. Although we have taken care of the maintenance of the pool by ourselves each month and paid for the necessary supply to do so, our lease never expressively stated that the tenant was responsible for the pool/spa maintenance ( see lease attached ). In fact, there is a mention of an addendum that we never signed. We also informed them on multiple occasions that the pool was deteriorating due to a lack of updates ( see email-HOA Notice for details ). 

Between XX/XX/XXXX and last week, my husband and I received multiple calls from a debt collector which we never responded to. Last week I noticed a negative remark on my credit report with a debt collection of {$24000.00}. 

I'm disputing the statement sent by the property management, the amount charged, and the responsibility of the pool maintenance and neglect. Note that we have proof of excellent payment history so far and they have never taken into consideration our request to trim the trees surrounding the pool causing a constant deterioration of the chemical balances of the water that we had to take care of.
Product: Checking or savings account

I have 6 accounts that were previously under Simple Bank that were depleted of funds in order to close prior to transition to BBVA. Due to delays with transfers, we were required to close the accounts with BBVA instead of Simple. The transition took place XX/XX/XXXX, and since that date I and the joint account holder have tried repeatedly to call BBVA during available customer service hours to speak with a representative about closing the account. I tried 2 times the first day ; both times I received a recording that said their system was down, and I was hung up on. The following days, I was able to make it through the initial automated system only to be hung up on every time I was sent to a representative. This morning I attempted to call 4 times with the same result. Ive attempted to find any other way to contact them to discuss this matter to no avail.
Product: Credit reporting or other personal consumer reports

I did not authorize these hard inquires resulting in XXXX XXXX COMMENITY BANKXXXX XXXX XXXX please have these inquires removed from my account as possible
Product: Vehicle loan or lease

I purchased a car and financed with the Nissan Corporation. commencing on XX/XX/XXXX with an original maturity date of XX/XX/XXXX. At the start of my car loan in XXXX I ran into some unexpected money issues. I called Nissan Corporation to look into a payment extension. I was informed that yes this was available and that the loan would be extended and the payment would be paid at the end of the loan term. Which meant extending the maturity date.During the life of the loan I took advantage of the payment deferment 2 more times for a total of 3 extensions. Moving my loan form an original end date of XX/XX/XXXX to XX/XX/XXXX. To my surprise at the end of the loan I was hit with a {$1000.00} accumulated interest for those payments. I don't ever remember being told this would happen and would have definitely opted to make late payments on the loan rather than incur large amounts of interest over the life of the loan. I did received letters ea time the payments were deferred and I don't recall seeing anything about the extra account that would be set up somewhere I could not see or access. They have double dipped on the interest. The money was not removed off the account it was simply moved and extended the life of the loan which means they were already collecting interest on the loan amount, and the extra extension time. It was never made clear that there was a separate account collecting and growing in funds. My statement and online account always showed a depreciating amount. I was taken advantage of and could have easily made other arrangements, or made extra payments when I was able to, and I would have not proceeded to extend the loan 2 more times had I been properly informed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 are 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 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Debt collection

Capital auto account is no obligation of mines 15 usc 1692b. I did not open this account FTC file. Creditor keep reporting the information is accurate with of complete a full investigation, 15 use 1681 ( A ) ( E ) - you have to do an interview with my family associated and neighbors and this was not done this account is also in violation of 15 usc 1681b, 15 usc 1692f, 15 usc 1692e, 15 usc 1692d, 15 usc 1692j
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

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

if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Student loan

My new loan servicer ( Mohela ) is showing a balance due on 2 loans that were paid off to the prior loan servicer ( XXXX ). I have written to Mohela twice ( XX/XX/XXXX and XX/XX/XXXX ) and provided documentation of payments which were made toward these loans. I requested a complete list of how all payments made were applied, including payments which were made while the loan was still being serviced by FedLoan Servicing. Mohela has not provided a substantive response to this request. Despite contacting them as soon as they took over my loans and then again a year later, and providing documentation of the payments that were made toward these loans, they have failed to rectify this problem and they still show that I have a balance due on these 2 loans. It is not clear what XXXX did with the payments I made toward these 2 loans. These payments were made manually, separate and apart from the auto payments being made toward my consolidated loans. Additionally, I designated how each of these manual payments was to be applied toward these 2 loans and at the time, XXXX showed these 2 loans as having been paid in full. Unfortunately, I can not access my XXXX account information and it is not clear why the information transmitted to Mohela was incorrect. Nonetheless, Mohela has wholly failed to respond to this situation.
Product: Credit card

I have been a credit card holder of Citi XXXX XXXX for XXXX years. I have NEVER had a late payment in my XXXX years! My current APR is 22.49 %! My APR should have never been this high XXXX years ago. Citi sent a letter that my APR will go up to 27.74 % on XXXX. I contacted Citi about the unfair increase and they should lower my current APR. Citi stated that they can not do anything until after XXXX. I really think that was an excuse to blow me off! I will contact them again looking for a different result from a different representative or manager!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a federal tax lien withdraw from Equifax. My  XXXX  score was  XXXX  I requested and paid for an updated version of my  XXXX  score and it went up  XXXX  points only  XXXX  what 's wrong with that picture a negative item that was paid was removed and it impacted the score practically nothing Are they playing games with the consumers?      XXXX  17  tax lien was removed  XXXX  17  paid for and updated score at  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY KEEP GIVEN OUT MY INFORMATION TO THESE COMPANIES AND PUT THEM ON MY CREDIT REPORT WITHOUT CONTACTING ME FIRST WHICH IS AGANIST THE LAW HAVE NO CONTRACT WITH THEM PLEASE PRODUCE A CONTRACT WITH MY SIGNATURE ON IT OR TAKE THIS OFF AGAIN AND DO NOT PUT IT BACK ON THERE
Product: Debt collection

I had a collections on my account from XXXX  this collection was with XXXX and was found not to be mine and was taken off my credit report once addressed. I recieved a email notifying me it was removed from my credit report. It was resold to waypoint, and put back on my credit report and is now holding me back from certain opportunities.
Product: Mortgage

On XX/XX/XXXX, Wells Fargo sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by Wells Fargo according to the three major credit reporting agencies. 

When I called Wells Fargo in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from Wells Fargo as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your help with this issue.
Product: Credit card

I've been having credit card with Bank of America for years and I just heard that this bank has been improperly charging extra fees and withholding reward. I think I'm one of these victims.,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report Equifax has not let me get into my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reviewed my credit report and found several inaccuracies i believe to be fraudulent. In XXXX i was a victim of the XXXX XXXX security breach by way of XXXX XXXX. I am requesting this information to be removed and blocked according to the FCRA.
Product: Student loan

I was calling to get my forgiveness Or cancellation from, from what Joe Biden the president sign into law and XX/XX/XXXX forgiveness supposed to last for 5 years, I was qualified for it, I contacted him back in XXXX about it, they said they heard nothing about it I've never received anything, as far as with the XXXX XXXX that I even send that with in, that I have another complaint about, Heres whats included in the stimulus packages that might benefit current or future student loan borrowers : Suspension of all payments through XX/XX/XXXX No interest will accrue until XX/XX/XXXX The suspended payments count towards loan forgiveness programs, including PSLF and IDR forgiveness ( XXXX, XXXX, XXXX ) Taxes are eliminated on forgiven student loans through XX/XX/XXXX Employers who contribute to their employees student loans receive a tax break up to {$5200.00} ( through XXXX ) Borrowers in default will have their months of suspended payments count towards the nine months needed for loan rehabilitation No collection, wage garnishment, or seizure of tax refunds will happen ( backdated to XX/XX/XXXX ) Slight increase in maximum Pell Grant Incarcerated persons can now receive Pell Grants Over {$1.00} XXXX in institutional debt of HBCUs has been discharged Students may now continue to receive a subsidy on certain subsidized Stafford loans for XXXX for a longer period of time Employers may contribute up to {$5200.00} each towards their employees student loans, with this program set to expire in five years now instead of at the end of this year. 


P H E A said they never heard of this law Or if are it being signed into law
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy and information on my credit report for bankruptcy. Both Transunion and XXXX told me that this information was verified with the courts but the information was untrue. I received a notice from the courts that they do not report to any credit reporting agency. I have attached the notice from the courts. Also, the name on the document from the court is not my name. I want both of these credit agencies to remove this from my credit file.
Product: Debt collection

The debt collection Medicredit has violated HIPAA. 
They sending me mails to pay the amount they say i owe I sent them a certified mail asking them to send me a validation of the debt. 
They sent me copy of procedures and X amount charged.

They're violating HIPAA i DID NOT authorize them i DID NOT SIGN a HIPAA form authorizing this collection agency to access to my medical records they are VIOLATING HIPAA they are VIOLATING MY RIGHTS my privacy has been violated
Product: Credit reporting or other personal consumer reports

Has an incorrect address & thinks my mortgage is closed or never happened. 

As a result other companies are unable to pull my credit file because the address is incorrect, and the mortgage isnt reflected so my credit isnt correct.
Product: Credit reporting or other personal consumer reports

XXXX Hard Inquiries that I did not apply for : Barclay Bank Delaware Barclay Bank Delaware XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have two student loans under MOHELA, a direct subsidized loan of {$3500.00}, and a direct unsubsidized loan of {$1100.00} ( at the time of me attempting to pay the loan off ). I sent a payment of {$4700.00} ( the full amount to pay off both loans ) through an online bank transfer to MOHELA on XX/XX/year> with allocation to pay off both loans in their entirety. While the money was initially shown as in processing for a day or two there is now no sign that the money was received by MOHELA at all in my account, even though their website indicates it would take only a few business days to process. There is no recent payment history about the transfer in my account portal, and my unsubsidized loan is still accruing interest.

I've also made two other smaller transactions of {$1.00} to test their system and these amounts have been posted to my account. 

I've contacted MOHELA multiple times through their messaging service ( with no response ), and I've called multiple times. After being put on hold for hours over multiple calls, the representatives either claimed to not have the ability to look at my account because they were trainees or they claimed that they couldn't verify the exact amounts they had received. I also contacted the department of student federal aid but so far they have been of no help. At this point it has been over a month and a half ( XX/XX/year> ) and while the money has long since gone from my debit account I still have active loans on all my records.
Product: Mortgage

Shellpoint Mortgage and XXXX  XXXX XXXX continue to push the envelope attempting to defraud the consumer. 
Shellpoint Mortgage continues to state XXXX XXXXXXXX XXXX assessed the disputed charges of {$2500.00} in XX/XX/XXXX. I have attached copies of our account history and the transactions posted history neither of which supports Shellpoint Mortgages claim. Shellpoint Mortgage assessed those charges to our account subsequent to XX/XX/XXXX which is the date they purchased and transferred our mortgage. 
Weve been told this is a Forbearance Fee, recording fees, filing fees, late fees and inspection fees, etc.. This is just another indication they are attempting to defraud us. 
Shellpoint Mortgage continues to tell us this is a non-interest bearing fee and has no impact on our account. However on XX/XX/XXXX they sent us a NOTICE OF DAFAULT AND INTENT TO ACCELERATE. On XXXX XXXX our XXXX payment and the disputed amount of {$2500.00} was outstanding. Weve been told these fees are not considered past due and will not trigger a default. 
We should not have to hire an attorney at our expense to defend ourselves against blatant attempts to defraud us and take our home.
Product: Credit card

I had a Capitol One credit card that I opened in XXXX. In late XXXX, I lost my job. My credit card was maxed out and I could n't make payments on it. I spoke with Capitol One and a collections company representing them, and we came to a settlement. The account would be closed and I would make a payment of {$50.00} a month toward the balance of the charged off amount. I have held up my end of the agreement every single month. The payment was not late one time, as it was taken out automatically every single month. When I checked my credit report in XXXX of XXXX I noticed that not only was the account reporting as open, it was showing that I had XXXX ( roughly- at that time ) late payments at XXXX days. I was shocked. The account was only open for XXXX months and I only had XXXX late payments, so how could I have that many late payments? It was both impossible and inaccurate. I had called, written, and disputed several times. I called all three credit bureaus and capitol one every single month since I noticed this in XXXX of XXXX. Each and every time I was told that this is correct. If anyone would take just 5 minutes, they would see it is not possible for this to be correct. I just do not know what to do at this point, as no one at Capitol OneXXXX is willing to help me. Please just take some time to review the information provided and help me adjust the information to be correct. It should state XXXX late payments ( as shown ) and not XXXX as displayed on my credit report. I sincerely appreciate all of your time and assistance. It not only means so very much to me, but it improves my life and living situation. 
Thank you again.