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

My accounts was never late! I have had exceptional payment history with 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 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 to be removed/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I took a look at my consumer report ( attatched ) and noticed a negative account being furnished by your company. I am requesting Validation of the debt. 
I will need the amount of the debt, the creditor to whom the debt is owed, Proof that if you mailed me a statement putting me on notice that I had 30 days to respond or you would assume the debt is valid. I am aware that I was not notified within the 30 day period. and I am making it clear to your company that I am disputing this alleged debt. Because your company failed to do so, I am requesting your company to provide me with the name and address of the ORIGINAL creditor. Please be mindful that statements are not proof of claim. If you can not provide me with this, you must delete this from my consumer report immediately,.
Product: Mortgage

I am beyond upset that the SPS and or/ the investor of my loan has completely blown off any assistance in modifying my loan. It's blatantly wrong and unethical for SPS and/or the investor not to try to help work through the unfortunate setback that caused me to fall behind on my mortgage. 

The law firm that is assisting me submitted a complete loss mitigation application for me on XX/XX/2023. On XX/XX/2023, 2 days later, a denial letter was sent out. The letter gave no explanation of why it was denied for a loan modification. It just stated that I was denied due to not meeting investor guidelines. When my law firm asked SPS for the specific investor guidelines, they said they don't have them and don't know what they are which is completely unacceptable. 

It is obvious that the investor and/or SPS had zero intention of reviewing me for options to be able to keep my home. 

I was told by my law firm that when someone is denied for a loan modification or other options, there are reasons that are outlined in the denial letter, which is not the case here. They said there are certain things like too many previous loan modifications, debt to income ratio is too high, etc. None of these are true for me. I have a very large surplus of income now and have zero issues with making my payments going forward. I just need help getting the loan current through a loan modification. There is no reason I should not be approved for this option. 

I need to know all of the guidelines that the investor is using that is preventing me from getting the help that I need to get the loan current. I can afford my mortgage with no issues even if the interest rate were to increase to fair market rate. Thank you.
Product: Student loan

On XX/XX/XXXX there was a moratorium placed on freeze on student loan activity by the Trump Administration that was extended to XXXX and now XXXX by Biden administration. I received a letter unknowing from Navient in XXXX informing me i was behind on my student loan as my income was revaluated. I made Back payments and payments forward from XX/XX/XXXX till XX/XX/XXXX. It was money I did not have as pandemic closed the place I worked for. Only after resubmitting paperwork to show this was my payment re evaluated again. I went in the Hospital in XXXX  for XXXX XXXX  due to XXXX so our finances are in shambles. Upon learning about I did not have to make payments during this freeze i was informed I was eligible for a refund of those payments as they are Federally backed loan as Navient is and never have been a funder for my loan but only a assigner of it. Spoke to a Department of Education Representative who informed me that I was eligible that i would have to call provider to make request. On XX/XX/XXXX I made the call at XXXX and spoke to a CSR who informed me that I was not eligible because Navient funded my loans which is not true they were only assigned my loans from Department of ED and Navient continues to feed misinformation to its customers as I have had a lengthy issue with them to trying to lead me to forbearance instead of income driven payments to moving your dates around or somehow losing my paperwork during reupping each year. I am not working due to my condition and i feel those payments that I should not have made due to the blanket law that was passed with the exception to private loans should be refunded to me which was from XX/XX/XXXX to XX/XX/XXXX. They are federally backed loan and not private as I have never did business with Navient just had them set upon me by the interworking 's of the Government process.
Product: Credit reporting or other personal consumer reports

I RAN MY CREDIT AND NOTICED ACCOUNTS AND INQUIRIES THAT ARE NOT MINE I do not recognize this at all. 15 U.S. Code 1681q - Obtaining information under false pretenses - Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in 1 of 4 connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

PLEASE SEE ATTACHED-
Product: Mortgage

I was forced to file for a loan modification due to a hardship brought about by a divorce. I made every payment up to when I was sent a letter stating what my new payment would be and the date that the next payment was due. My loan modification specialist said that I must make these three payments for that amount, on or before the date that they were due, or my modification would either be delayed or denied. I made the XXXX payments and was subsequently modified after the XXXX monthly trial payments. I checked my credit score in the months following and found that two XXXX day late payments showed up. I have since followed up many times with the bank, only to get conflicting answers. XXXX answer I received from the bank is that I should have paid another full payment before the trail payment that they wanted me to pay. My Attached documents show that I paid every payment up to XX/XX/XXXX. I received a letter from the Bank on XXXX XXXX, stating that I would now be entering into a new payment schedule, and that the next payment was due on XXXX XXXX. Another answer was that the lates resulted from the difference between my unmodified payment and the trial payment. I was never informed that I needed to keep paying my old amount or in other terms above what they asked me to pay during the trial period. Bottom line I paid what they told me to pay, when they wanted it to be paid. I would have had no issue paying more if they wanted more. Also the late payments on my credit report state they occurred during the trial period, if this was the case the bank would have delayed or not given me a loan modification, neither of those happened.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX SSN : XXXX | DOB : XX/XX/XXXX To whom it may concern, I had a vehicle repossessed in XX/XX/XXXX because letters sent to me went to the wrong address, this was strange because i have lived at my current address for three years, and all the paper bills for the vehicle came to my current address. 

I never saw any of the documents Global Lending Services sent out regarding late payments until last week after i sent them a request to remove the repossession from credit report based upon their error, which could have been resolved had i known that the negotiations were not honored when i spoke with an agent during that time. 

I have enclosed the documents to prove the facts
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went on the car purchasing website Carvana and attempted to purchase a vehicle. Everything went smooth. Everything was doing what it was supposed to do until the very end in which Carvana tried to effectively lie and gain illegal access to my bank account for purposes of verification. However, this is not what I consented to nor is it what Carvana does. I feel deceived and lied too and I feel my financial information is at risk. I have attached a screenshot of the exact verbiage and wording and how they intend to verify my bank account. In the verbiage it says that they are going to obtain a credit report from a consumer reporting agency. It says nothing about looking at my bank account looking at the balance in my bank account, transacting on my bank account including making decisions on purchasing a vehicle. It says that they are going to obtain a credit report from a consumer reporting agency to verify that I have a bank account, thats not what theyre doing. I consented to Carvana obtaining a credit report from a consumer reporting agency. Not deceptively gain access to my banking information and other sensitive financial information.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Old address keeps reappearing on credit report for and address i haven't live at ufor years. I dispute this many times and they credit bureau says info is correct or accurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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, has violated my rights.

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

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

XXXX has deleted 2 accounts from my credit report finally. However transunion and XXXX are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted transunion today XX/XX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by transunion they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for transunion and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit
Product: Mortgage

I am one month behind on my mortgage with OCWEN Mortgage who took it over from GMAC, they additionally have us owing several thousand in " late fees ''. I have informed them both verbally and through mail that the house is being leased and they have our address where we live in XXXX, XXXX. The house that they have the mortgage on is in XXXX, XXXX. They are continuing to send CERTIFIED LETTERS to our tenants there, and today XXXX/XXXX/2015 the tenants called me this morning saying that they came knocking on the door and asking for me and telling my tenants that I AM IN DEFAULT. Which is technically true, but this is not public information and is alarming that they are openly talking about my personal financial matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my billing error notice months ago in XXXX via certified mail. I have not received any notification regarding investigation into this matter. There was no notice to any of the credit bureaus regarding this matter. The company never contacted me via mail regarding this matter and today XX/XX/23 no updates. 

Certified mail # XXXX XXXX XXXX XXXX XXXX or Certified mail XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

**Wallet Stolen and {$7000.00} stolen from me. Wells Fargo declined the claim even though I'm working with a private investigator that  has the suspects on camera** Name : XXXX XXXX Wells Fargo claim # : XXXX Situation : My wallet was stolen and collectively through credit cards and checking account. Of this, around {$3800.00} was charged to my Wells Fargo debit card. XXXX XXXX immediately refunded the other that was charged to my credit card. I was originally told by Wells Fargo I would be refunded within 7 to 10 business days. I called immediately and had to call their fraud department three times before they were able to successfully stop transfer of money and charges to account. At the end of 7 to 10 business days, they told me I was denied. I have a private investigator working on the case and she has the suspects on camera using my car. Wells Fargo is unresponsive in working with it.  Please help, I am going to school and late on tuition to pay.
Product: Credit card

synchrony bank told me that it was payment left on my account. I called HSN the person who I get the items from several weeks ago. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed to pay the full-balance on the account. They look at the account and told me it would be over 80 or 90 to pay the account. off. I notice on my credit report that I was 60 days late. 
At no time did I receive a letter in the mail from the company that anything was late. Synchrony Bank have a history of over charging people for items that was not on the account. I feel like this bank has falsely reported information to the credit company. I have neve been late on this account for over 7 years. I paid the balance in full and they told me from HSN account had been paid. 
Now Synchrony Bank has place an item on my account so it would show late. I did not owe this balance case the told me they would not report it as being late due to the fact my husband had the information and his e-mail was attached to the account. I was not aware that he has his e-mail on the account. 
He was letting his friend buy things on the account without my knowelge.. I am asking you to make this bank provide documentation that the item on the account was not paid to HSN.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE ( Bank ) XX/XX/year> This is a hard inquiry from a company that i did not authorize access to my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX allowed me during Covid to delay my payment. Then, they reported me 30 days late to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am filing a complaint about POPULAR BANK ( Account Number : XXXX ) for the inaccurate reporting of account information on my credit report. Despite numerous disputes, the incorrect information remains, which has significantly lowered my credit score and misrepresented my financial history to lenders. I have repeatedly reached out to POPULAR BANK and the credit bureaus to resolve this issue, but no action has been taken. This continued inaction is causing me unnecessary financial difficulties and restricting my ability to secure future credit.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX of Virginia, which is the parent company of XXXX XXXX XXXX, is reporting information that should not be on my consumer reports. Account # : XXXX. The debt associated with the account has been cancelled and is now considered income according to the IRS manual. XXXX is not allowed to be reported on a consumer report. 
Attached is the IRS filing copy b of the 1099 C in which the IRS has processed and accepted. 
Remove the account from the report immediately!
Product: Money transfer, virtual currency, or money service

on XX/XX/year>, i saw that there was an un-authorized domestic wire transfer from my chase bank checking account. the amount that was taken out from my account was {$19000.00} $ and was transferred to another bank account without my permission or authorization. I immediately went to my local chase bank to report fraud and closed my chase checking account and asked the bank to monitor my account daily. the chase bank said that they will do an investigation. i had alarm set up for any payments or deposits or transfers and i never received any alarm from the bank about this wire transfer. The bank never called me to confirm the wire transfer or notify me of this domestic wire transfer. i have no idea how this happened or who got access to my bank account and i asked the bank to cancel the wire transfer. the wire transfer went to some person located in another state and it was a domestic wire transfer.
Product: Checking or savings account

My wife passed on XX/XX/21 and has account XXXX with Charles Schwab Bank which contains {$100000.00}, Account XXXX with {$29.00} and I have not been able to get them to forward the funds. It is their reference number XXXX XXXX XXXX XXXX XXXX. They set up a call to me and forwarded the forms to complete plus sending them a copy of death certificate and the letters Testamentary. This was done and forwarded on XX/XX/21. XXXX XXXX is the person I have dealt with and they will not return a call. I forwarded the forms again on XX/XX/21 via fax and have had no response. 

Would appreciate any help you can give me on this matter.
Product: Credit reporting or other personal consumer reports

I recently experienced an loss of use on my property. We had to work through my rental insurance to schedule an XXXX. After confirmation of scheduled XXXX, I received a notice that my account was closed and I was no longer able to access the XXXX account due to criminal investigate that damaged my reputation with other partners. The investigation is in accurate and false with Inflection
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX