23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I recieved a payday loan from Speexy cash in XXXX, WA for {$350.00} and was to pay back {$400.00} on XX/XX/2019. My medical premiums have been taking out hundreds over the regular amount to the point that my company and union are all going to sit down and figure out wtheck is going on so I was unable to pay the payday loan back on time due to not expecting my check to be hundreds short. SO, payday loan day came and went but I had also given them permission to run the check and knowing my bank allows overdraft I assumed okay its going to overdraft my account and there's nothing I can do. Well, a woman named XXXX called me XXXX XXXX from speedy saying the check had been declined. I, then, explained the extenuating circumstances and said I would definitely make a payment on my next payday which now differed from original biweekly schedule ( was out on medical but then went back to work in this time. Its why i needed the payday loan ) so yes instead of two weeks from original due date it was agreed to be paid on XXXX XXXX. It was agreed to! They instead lied and continued to try and pull out entire amount and did so overdrafting every penny from my account. They by WA law HAVE to accept installments and I believe I even have 45 days to make a payment before theyre allowed to begin trying to force payment anyway are they not? Anyway, I called and they could care less and their reasoning was, " well, other people have lied and not paid them back in the past so they do this to everyone. '' They used deceptive means and lied about the agreement all together. I have all of which on recording to prove so. Her admitting to not telling me thats what they would even possibly do. I need that money back now and they can not treat me as less than human when this was completely out of my control in the first place. I can prove the medical was taken straight out of my check and that they owe hundreds when I've only just gottan back to work so they are the only ones who have lied here and royally XXXX  me after I was already going through enough! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX forbearance with Specialized, which I truly appreciated. But since the forbearance period ended, nothing but problems! I did everything right, everything they asked, paid down my mortgage even during the forbearance period, took a deferral and made no troubles. 

When my payments started up again, I set up automatic payments with my bill pay so that everything would always be on time. 

My first payment in XX/XX/2021 was applied to escrow and not to my monthly payment! I started getting notices for late payments, spent hours on the phone with them and finally got assurance that they would fix the way the payment had been applied. 

This happened again the next month, again many tedious and long phone calls and messages through the website. Sometimes I would speak to a nice and helpful staff member but usually it was a very rude staff member accusing me of not paying or blaming me for the problem. 

I had been paying this lender the same way from the same account every month for many years. There was no change, but they kept saying my payment didn't come, and then for XXXX months in a row they kept applying it to escrow or to something other than my monthly payment and I would have to go through the whole thing again! 

I had to go through the whole process AGAIN last week and when I asked the very rude staff member how we could make this stop, she said, " I really don't know. '' No apologies, no assurances about my credit score.

Yesterday I received a bill from Specialized. It had been updated to reflect my payments being applied properly but it included a XXXX dollars in late charges and penalities!!! 

Today I checked my credit score and it dropped XXXX points. I am just sitting here crying. I am trying refinance other debt and now my application will be rejected. 

I did everything right with this company. I did everything they asked and I didn't even try to modify after the forbearance, I just deferred the past due and paid on time every month. I kept in contact every time THEY screwed up, and I worked to fix the issue and be on the same page. 

Their response was to treat me rudely on the phone, to suggest that I was lying about my payments, never to apologize when they corrected the mistake, never to offer to fix the problem for good, and then to CHARGE ME FOR THEIR MISTAKE! 

And now they have destroyed my credit. 

I am a single mom trying to hold on to my house and feed my kids after this XXXX nightmare. I've spent hours and hours on the phone trying to fix their mistake. And it's still not fixed and I am still suffering the huge consequences for their mistakes. 

This is unfair and wrong.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the security freeze on my credit report. While I initially placed the freeze for security purposes, I now need it lifted as part of my loan application process, which requires a review of my credit standing.
Product: Checking or savings account

I purchased a XXXX  through 5 split payments over the internet. Once I paid for the XXXX, they would send the XXXX  to an XXXX  and i can pick it up there if i provide paperwork/ information ( background check, proof of residency, etc ) but I wasn't able to get it because there was information/papers that I needed to get that I wasn't able to provide because I just didn't have it. The XXXX  was sent back to the company because I couldn't provide what was needed and the terms and conditions said that I couldn't get a refund because it was done through 5 split payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were paid in full ; Agent stated it would be removed from credit report upon payment. 

Account was not removed ; status showing open when it should be closed and removed from report. 

Filed a formal dispute, investigation was not truly followed as upon completion, it was still reported with mismatches. Showing open on XXXX and closed on XXXX. Also, with erroneous and mismatched open dates. 

The below laws are being violated : ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my credit report that im unaware of or have any knowledge of them.
Product: Credit reporting or other personal consumer reports

I was a victim of fraudulent activity and have researched how to remove the fraudulent items from my report. I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. According to FCRA Section 605b, Credit Reporting Agencies must remove any items listed on an identity theft report with reference number XXXX. Attached are documents to assist in removing the accounts, inquiries, and erroneous personal information posted to my report. Here is the list of items opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove such items within 4 business days of receiving the request.
Product: Mortgage

XX/XX/XXXX Certificate of Service to an unknown address that I do not reside
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, 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, XXXX XXXX, 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: Credit reporting or other personal consumer reports

I am writing in response to XXXX letter dated XX/XX/XXXXXXXX XXXX XXXX regarding my CFPB Complaint ID No. XXXX. Thank you for acknowledging my concerns ; however, the explanation does not address my primary issue of misleading credit reporting claims. 

When I applied for my loan on or around XX/XX/XXXXXXXX XXXX XXXX FAQ and website content led me to believe that the company reports loan activity to more than one of the major credit bureausnamely Experian, XXXX, and XXXX. Specifically : Website Language : The FAQ sections identify Experian, XXXX, and XXXX as credit bureaus, stating that XXXX reports data about customers to credit bureaus, with no mention of specialty bureaus ( such as XXXX XXXX XXXX  ). 
My Reasonable Assumption : Because of this phrasing, I understood that payment history would be provided to at least two of the three standard national bureaus. One of my main goals was to build or improve my credit profile across multiple mainstream credit reports. 
Actual Reporting : XXXXXXXX XXXX XXXX XXXX letter confirms that the company only reports to XXXXXXXX XXXX XXXX XXXXXXXX. Since XXXX XXXX owned by Experian ) and XXXX  ( owned by XXXX ) are specialty bureaus rather than traditional ones, the loan I repaid in full on XX/XX/XXXX, only appears on XXXX XXXX and Experian profiles unaffected. 

Because the FAQ makes no reference to XXXX or XXXX, borrowers could reasonably believe credit bureaus means XXXX, Experian, and XXXX. I would not have chosen this loan had I known it would not be reported to XXXX and Experian.
Product: Debt collection

On the day of XX/XX/2024, I sent letters requesting this debt either be validated or removed. My letters have been returned to sender without any validation, removal, or changes on XX/XX/2024.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Removal of Inaccurate, Non-Compliant Account Entry - Violation of Consumer Rights and IRS Regulations Dear CFPB Representative, I am submitting a formal request for the immediate removal of an account entry from XXXX XXXX and NCB Management on my credit report due to multiple legal and procedural violations, inaccuracies, and non-compliance with both consumer and tax law requirements. 

Background and Violations : 1. Breach of Agreement and Wrongful Repossession : In XXXX, after an agreement was reached regarding the repayment terms on my vehicle loan with XXXX XXXX, the company wrongfully repossessed the vehicle in violation of our established terms. This action breached the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and fairness in consumer credit reporting ( 15 U.S.C. 1681 ).

2. Failure to Issue a 1099-C for Written-Off Debt : Following the repossession, XXXX XXXX claimed to have written off a remaining balance on the account as a loss. However, despite this claimed write-off, they failed to provide a Form 1099-C ( Cancellation of Debt ), which would have accurately reported the written-off amount as required by IRS regulations. This omission not only violates IRS guidelines but also subjects the credit report to inaccuracies under the FCRA, which mandates that reported information be verifiable, accurate, and up-to-date ( 15 U.S.C. 1681c ). 
3. Misrepresentation and Privacy Violation in Account Transfer to NCB Management : XXXX XXXX then transferred the account to NCB Management without my authorization and with inaccurate information, which includes an incorrect account balance. Such transfers, conducted without explicit consumer permission, constitute an unfair invasion of my privacy under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, which requires that debt collectors respect consumer privacy and handle debts accurately and transparently. 
4. Age of Debt and Reporting Violations : Given that the original account dates back to XXXX, and the repossession occurred in XXXX, the account is approaching the XXXX mark for reporting under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ), beyond which it should no longer impact my credit profile. 

Request : Due to the significant inaccuracies, legal non-compliance, and procedural breaches related to this account, I request that the CFPB direct both XXXX XXXX and NCB Management to remove all negative entries related to this account from my credit report. This removal request is based on : Violation of FCRA provisions for accuracy, timeliness, and verifiability.

Failure to comply with IRS regulations in the issuance of a 1099-C. 
FDCPA privacy violations resulting from unauthorized account transfer. 

Please take immediate action to rectify these issues, remove this account from my credit report, and uphold the integrity of consumer rights and fair reporting practices.
Product: Mortgage

My loan was transferred to Valon Mortgage from XXXX XXXX XXXX on XXXX. I contacted Valon on XXXX because I was unable to access my new account online. This access issue was due to me being in an active XXXX XXXX  Bankruptcy so I understood and accepted that. I was able to reach someone and they told me I would have to make payments over the phone or through the mail and that I needed and authorization signed by my attorney. My attorney sent that over on XXXX. I received a call from the original rep I spoke with on XXXXXXXX  He advised that they had the authorization and he could process my payment. I made that payment over the phone with him. The XXXX payment. The ONLY payment that was due. They drafted 2 payments, over {$3000.00} from my account that day. I only discovered it when I overdrafted on XXXXXXXX I have sent emails and left messages all day today. None have been replied to. I was able to reach someone who said they would send back the overpayment in 2-3 business days. IT DIDNT TAKE THAT LONG FOR THEM TO GET MY MONEY. I asked for it to be wired. He said a wire would take that long. I took the time to educate him that a domestic wire transfer in the US is guaranteed same day. Are they not in the US? This has been a HORRIFIC way to start a business relationship. I want my money back today. I need it back today. I gave permission for one payment of XXXX to be deducted from my account and they took double. Where I come from that is called stealing and nobody seems to care how their theft is impacting my life. I wish we could opt out of servicing transfers. XXXX was amazing... ..valon is a total trainwreck full of thieves and liars from what I've experienced and its only the first week .....
Product: Debt collection

XXXX XXXX XXXX XXXX recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX . They sold the debt to Troy Capital, LLC and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.
Product: Credit reporting or other personal consumer reports

12 years ago in 2012 i lost my wallet with my id and social security card. My information was used to open up fraudulent account which has cost me me financial hardship and poor living. i deserve to live the american dream like everyone else. because off this i have been turned down for jobs and apartments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked  XXXX , Experian and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected my  credit score and ability  to obtain a home mortgage.
Product: Credit reporting or other personal consumer reports

XXXX failed to fulfill legal adoration on the defect credit act FCRA to conduct a reasonable and read, and we investigate the dispute informed credit reports leaving an inaccurate and unverifiable accounts unresolved the consumer customer financial protection bureau has recently found the lawsuit against Experian and alleged somatic issues such as fail to customer provided evidence to furnishes, accepting unreliable response, and failure to adequately notify customers of dispute outcome these phase align with my experience where experience has either corrected or removed dispute items despite the evidence provided causing Outgoing harm to my credit standing request. I am questioning immediate corrective action to remove or amend to dispute account as experienced in action, violets federal law, and my right as a Customer
Product: Checking or savings account

There is too many transaction to count.It is affecting othee accouts. I also reieved a call from the fraud department as well but still have NOT see any of the money being credited. In mean time put be in a financi burdem on my otheraccpunta making it seem not payment being recieved. Alsoe bunch of reversal charges done on my account that makes no sense
Product: Credit card or prepaid card

My nephew graduated in XXXX from XXXX XXXX, XXXX Graduation set for XX/XX/XXXX so we had to pay {$210.00} on XX/XX/XXXX for cap and gown, venue, and picture. 
The school postponed ceremony to XX/XX/XXXX My airline flight non refundable was scheduled for XX/XX/XXXX My XXXX expires in XXXX on XX/XX/XXXX Thus I need to leave and not attend ceremony Assumption asked me to contact credit card and get chargeback as Admin is out of office ( due to Covid ), all next semester on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I have attached XXXX FTC reports including ALL OF THESE UNAUTHORIZED ACCOUNTS and UNAUTHORIZED INQUIRES that need to be removed. LAW FCRA Section 605B states my permission is needed to place items on my report. 

The accounts are as followed : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The unauthorized inquires are as followed : 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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX