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

I recently received a copy of my TransUnion consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Account # : XXXX Dates Of Late Payments : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; UPDATE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT TO ( CHANGE AS AGREEDED ) or ( OK ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

I have informed this company on several occasions that I am not allowed to receive phone calls at work. I spoke to a representative on XXXX/XXXX/15 who assured me he would remove my information from their system and I would receive no further calls at work. He transferred me to an office manager who asked me to verify my social security number. I refused and asked to be mailed information, and he hung up on me. Today, XXXX/XXXX/15, I received a voicemail on my work phone from this same company stating that my claim had been escalated to litigation as I had refused to contact the company and make a statement on my own behalf. Once again, they have left a message on a phone that my supervisor has access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX  leave from XX/XX/XXXX to XX/XX/XXXX and I was not receiving my full pay during that time. What I did not realize was that due to me now getting paid my regular full paycheck and those full paychecks stopping in XXXX the correct amount was not transferred into the account that had automatic debits scheduled monthly to pay the mortgage. Since my payments were always automatic and my account had overdraft protection, I was not aware that my mortgage payment was missed until my credit score was affected. I was never late on any payments prior and have already brought my mortgage payments into being current so I have asked my lender Homepoint Financial to do a one time curtesy late payment removal. I have explained that I am a XXXX  mother and during Covid it has been hard to be financially stable and I have still managed to be current on my payments until that one time. They have denied this request. My credit score is very important to me so this one time late removal is very critical to me and my financial future.
Product: Mortgage

I was on a trial modification & my final payment was never applied, I immediately contacted the Servicer ( email attached ) who told me that it was too late & my trail was cancelled. They believed I sent the payment to the regular payment address. I have a witness who mailed the payment at work & can confirm it was mailed to the address previously used. I filed a complaint w the CFPB & submitted an appeal w the servicer. I received no response for the appeal & was told that they were still working on the cfpb complaint. However I have a sale date in a few days, so I requested that it be placed on hold pending the result of my complaint & appeal. This was denied. I was advised to submit a new complete assistance package, at least 5 days prior to the sale, which I did via email. When I called to follow up, I was told that it has not yet been uploaded & it may take 3-5 days. This seems unfair, that if I sent it in prior to the 5 day deadline, the servicer will take so long to upload, possibly after the sale date or without enough time to be reviewed. Previous complaint # XXXX
Product: Credit card

I was charged for services from a XXXX XXXX nang that was not pervided. I attempted to resolve the issue with the merchant to no avail. 
I provided photos of the equipment not working, numerous complaints to the man that i signed the agreement with. The services were not provided. I showed proof of the conversations with the merchant on my behalf. 

I submitted a complaint with my amazon credit card Chase Bank XX/XX/year> for the amount of {$240.00}. 

I received the letter from Chase Bank Amazon credit card stating that I lost the dispute and the amount would be placed back onto my credit card. 
I did not receive the services promised.
Product: Credit card

Ever since I've closed my Amazon Store card I still continue to receive calls regarding this debt. XXXX  ( s ) included ( Violation of Consumer Protection Act ). These are all " robocalls '' while in fact the number listed on the account ( which should be closed ) is listed on the U. S. do not call registry. these continued and unanswered calls are a form of harassment. XXXX has economic tort laws and remedies in in place for restitution in which I will seek restitution against Synchrony for damages for each offense unless I'm offered a remedy on their End. 
Thank you, - XXXX XXXX
Product: Mortgage

I reach out to my mortgage company New American Funding about my financial hardship they advised me to fill out a ( RMA ) Request for Mortgage Assistance Application, I sent in the application XX/XX/XXXX and I was ( Denied ) for all work out options. 
I tried calling XXXX XXXX left several messages and their was no response back, I was able to speak with a home retention supervisor to get a explanation on the denial, she disclosed to us the Loan Modification was denied because I had a previous Loan Modification within the past 24 months, she advised that if I would like to fill out and send another ( RMA ) I would be past the 24 month seasoning period and she said they should approve your modification basis on your facts. I sent another ( RMA ) in XX/XX/XXXX and I received another denial letter for all work out options. Under the Loan Modification column they checked off ( Other ) with a explanation that was not fully completed. We called on XX/XX/XXXX to get a explanation on the denial we reach out to XXXX XXXX no answer on her direct line, we spoke with a agent at home retention department he explained to us the Mod. was denied for having a FHA claim paid with 3 years. That does not disqualify me from obtaining a loan modification according to FHA/HUD guidelines, FHA/HUD guidelines are 2 years seasoning period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Product: Debt collection

I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996
Product: Credit reporting

Step XXXX above did not provide a choice that covers my issue : Equifax used the " Inquiries that do not impact your credit rating '' from my credit report as " hard inquiries '' ( their term used when I questioned them over the phone ) when coming up with my credit score. Key factors listed as adversely affecting my credit score on a recent residential mortgage credit score notice included " too many inquiries last XXXX months ''. On my Equifax credit report, I have XXXX inquiries listed under " Inquiries that may impact your credit rating '' and there are XXXX inquiries listed under " Inquiries that do not impact your credit rating ''. I did not initiate any of those XXXX inquiries. I believe all of those XXXX inquiries to be marketing related. Equifax is not being truthful in the wording on its credit report. When I questioned this practice, instead of acknowledging that the wording on the credit report states that these XXXX inquiries should not impact my credit rating, they tried to sell me their monthly credit report privacy service at $ XXXX/month as the only way to resolve this type of thing from happening, or I was told I would have to contact each of the companies making the XXXX inquiries not to access my credit report. There is no way to dispute this with Equifax in its dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified my local law enforcement about an identity theft where a long time ( former ) friend had used my information to fraudulently obtain a large student loan in my name, when she was supposed to be helping me through a medical crisis. During that time, a separate fraudulent account opened with XXXX was also discovered. The original account that resulted in the initial police report has since then resolved and cleared from my credit. However, during the past two years, XXXX has made it extremely difficult to have the fraud removed from my credit reports and there are still fraud based negative reports on two credit reports that they are still refusing to remove. XXXX has been provided copies of the original police report through US mail, which they claim they have not received, and email correspondence. I have made several phone calls to XXXX fraud, the most recent dated today, and additionally XX/XX/XXXX, and XX/XX/XXXX ( three phone calls ) to resolve the issue. This doesn't include the numerous previous phone calls. XXXX claims that they have not deemed the account as fraudulent because, based on their policy, their company is not listed on the original police report. However, my credit reports state otherwise, with XXXX collection accounts having been removed on all three credit reporting agencies, and the original XXXX account removed with XXXX. However, during my XXXX PST phone call with XXXX fraud this XXXX, their representative advised me that the remaining original accounts will not be removed from Equifax and XXXX until the police report is amended or a new one is made to reflect their name specifically on the report. I am in contact with my local law enforcement and waiting for a reply from a deputy, although their dispatch is absolutely in agreement that the level of care that has been taken in the matter is not only greatly lacking but, basically, XXXX. I have also been in contact with the credit agencies and was advised by Equifax representatives, on Thursday, XX/XX/XXXX, that I have to contact law enforcement to find out the outcome of the fraud investigation to have the credit company remove it from my report. I asked how that is possible when the report was forwarded to another state and becomes confidential information and was told, basically, that was their policy and my problem to figure out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ad. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

False Advertising complaint against XXXX XXXX. They consistently advertise VA Mortgage Loans as {$0.00} Downpayment without providing details of who actually pays the lender closing costs and prepaid items ( insurance, tax escrows ). You must submit all of your information and then have the explanation provided by a Realtor that they refer the lead, who pays a portion of their commission to XXXX XXXX, which may be a separate issue regarding Lender Rebate programs. 
The VA Mortgage product is at best a 100 % financing option ( based on the Veterans Entitlement and loan amount chosen ) with Closing Costs typically paid by the Seller in negotiated concessions in the sales contract. Lenders may also build these costs into their rate but based on XXXX XXXX published terms that does not appear to be the case.
Product: Student loan

Navient cashed my check of {$7000.00} on XX/XX/XXXX.  When it didn't credit my account, I called and was told that the payment was sent to the wrong address and that it would take 4-6 weeks to get my refund. 

Refund NOT received by XX/XX/XXXX. Told that refund was sent to department of treasury on XX/XX/XXXX and that processing takes 4-6 week before I receive refund via US mail. I will receive refund by XX/XX/XXXX. **Requested letter that documents this, but the letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that the check was approved by Dept of Treasury on XX/XX/XXXX. I should wait another week and call back. 

Refund NOT received by XX/XX/XXXX. Told that the check was processed incorrectly and will be another 2 weeks. They will send money electronically to speed up process. **Requested letter to document this, but letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that my account does not show that the check has been sent. The US Treasury has approved the payment, but we have to wait on them. Told to call back tomorrow. ***Said a " manual '' letter, documenting this problem has been drafted ( but I have not received any letters as of XX/XX/XXXX. )
Product: Vehicle loan or lease

I have received numerous emails from the company always from a different person about my loan. I am not even a month behind and paid half a payment this month because of financial hardship. I told a person earlier today through email that I would pay the other half plus get caught up completely as soon as I got my pto payout from my former job and should not have any more issues after that if they would be patient for approximately another 30 days. Later this evening I received another email from a different person telling my my car is on the national hot list for missing cars and repossession has begun. The email stated that there is a XXXX out on me and the car. I have asked them to call me instead of emailing me also. They say they want to work with me yet they continue sending emails. This last email was totally unprofessional and threatening. I simply asked for some time and a change of due dates and an extension but this has not worked.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that underscores serious shortcomings with the platform. Despite being a frequent Zelle user and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was told that recovering the lost funds was not an option and that tracking the transactions was impractical. The CFPBs findings reveal that Zelle has failed to safeguard consumers and has allowed repeat offenders to exploit the system, leaving users susceptible to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and NAVY FCU with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

Comenity Bank used 4 different numbers, including an unknown number, in 4 hours to contact me while I was at work, was rude and combative on the phone when I complained about this blatant harassment.
Product: Debt collection

I sent a certified letter to Harley davidson financial on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. in this time they sold the account to a collection agency that sent me a collection notice on XXXX XXXX. By law, Harley did not supply the info within the 31 days required by law validating the dispute. Also in this time, there is a hard inquiry showing that Harley was notified that was disputed also. this was not validated in the 30 days either
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that is listed on my Credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Department Of Treasury # XXXX 15 U.S.C 1681 Section 602 A. 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XXXX, I was accepted by the State Department to work as a XXXX XXXX in their foreign service. In XXXX, I was posted to XXXX XXXX, XXXX XXXX, so I had my mail forwarded to my diplomatic address. Within a month or so, I receive a letter from US Bank mortgage company basically saying that if I was living outside of my house I was out of compliance with my loan. I called to try and find out what it was all about, but the number that they give in the letter is the general customer service number, and the only clarity that the person was able to give was that it " may '' have to do with the fact that my loan is an FHA loan. I was informed that the address I needed to send my responses to was the address of the department that handles FHA loans. They had no phone number or email address to give me to facilitate communication. 

So I responded with a letter explaining my situation and asking to see if there was some kind of exception or exclusion, since I'm sure military personal serving overseas don't lose their homes because they are in the service, I figured there had to be something for me too. I sent the letter and proof of my current employment with the XXXX. 

In XXXX, I got a letter dated from XXXX that said I would get a temporary extension for a year, but I needed to respond in 30 days with a copy of a non-occupancy insurance coverage and a sale or rental agreement for the property. I received the letter basically a day or two before the deadline, due to how COVID-19 has affected international flights and mail service. I kind of freaked out since my only way to respond would likely take another 30 days. According to the USPS tracker, it still has not arrived ; its been a couple weeks. So I called the customer service number again, hoping for help. 

But they weren't able to give me any. The customer service guy, very friendly and genuinely sounding concerned, had to inform me that he had no way to contact them himself, so he couldn't even call that department to ask for help or guidance. Especially since, by that time, I realized that the FHA stipulations on residing in my house had long been met, since I bought the house in XXXX and have lived in it continuously and exclusively, until XXXX of XXXX. 

I guess what my complaint has to do with is that this very important part of the bank, that is basically threatening me with having broken my mortgage contract has NO WAY to communicate with me in a way that didn't exist in the last Century! Imagine? The ONLY way to deal with these people is through a letter. A LETTER?! Not even an email with a scanned document or a FAX! 
I feel like I'm in a Dickensian tragedy.
Product: Credit card

On XXXXXXXX  I applied for the XXXX credit card online. They use Comenity Bank. After I applied and was approved, i never received an email with the card information. I also noticed there was not one hard inquiry on any of my credit reports. Due to not receiving an email showing my account info i did not have the ability to use my new credit card until i receive it in the mail. This costed me my {$15.00} off first purchase first day with XXXX. 

On XXXX i called comenity bank. They stated i should have received the email when i got approved for my card. We confirmed that my email information was correct. I asked for it to be resent. They said they do not have the ability to do so. They said there was nothing they could do but for me to wait up to 10 days for the credit card to be sent in the mail. 

On XXXXXXXX  I called back to cancel the card. At first they said that was not possible until i got the card in the mail. After jumping through some hoops i got them to cancel the card. I have no verification of that though. No email. They said they will send a letter. 

I had a terrible experience with comenity bank. They obviously do not report to the credit bureau in a timely manner, seeing i never saw a hard inquiry. 

Now i am worried what will happen on my credit report! Also. Not knowing my card number means this report will not be sent to comenity! They should not be able to so this to anybody.