23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am behind on my mortgage due to COVID-19 related hardship- change in pay, increased and unexpected expenses, etc. I have been contacting my servicer ( Fay Servicing ) by phone since XXXX and they have consistently failed to provide me with accurate information about the status of my account. For example, in XXXX they still had not updated my payment forbearance for XXXX ( so my account showed that I was 60+ days in default, despite the representative telling me that the forbearance was approved ). Last month they mailed me an extensive application and demanded several financial documents from me, in order to provide the forbearance assistance. I emailed my account manager and asked her why all the documents were required, since, according to what I have read in the CARES Act, XX/XX/XXXX owned mortgages are supposed to be eligible for forbearance assistance without the need to provide any additional documents. The account manager did not reply, so I emailed her again the following week. She did not reply then either. This week ( close to three weeks after my first email regarding the forms / documents ) I received a letter from the servicer that seemed to be an escalation on my late payment status. The letter was " hand '' -delivered, taped to my door. The same account manager 's phone number was listed on the letter and I called her immediately and left her a voicemail message with my account information. I never received a call back. I called again and left another message, which was not returned either. Today I called and asked for a different account manager or servicer, and the account manager I spoke with basically said that they require the documents and that was that. I asked her about whether she was familiar with the CARES Act and the stipulation on requiring documents, she said yes, but could not give me any further explanation as to why they were not complying with that. 

I am extremely concerned about how they are reporting the missed payments and whether they have started any forclosure measures. I am also concerned about how they will handle my upcoming payments- whether they will be applied to late fees first, how the payments will be reported to the credit agencies, and whether they will impose any other penalties.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with this company for {$2000.00}. In order to receive the loan, they used my vehicle as collateral, this then caused me to have to start completely over with my vehicle at {$13000.00} when I initially only owed {$4000.00} more to pay off my vehicle. The vehicle is now currently worth {$5000.00}. I never missed a payment with this company and have made all on time payments. The car still cranks but has an issue with it, I talked with them the day after making my payment so that there was plenty of time before my next payment was due. The company is refusing to pick up my vehicle as collateral and has now applied the full balance not including what I've already paid to my credit report. I am disputing an incorrect amount as this is affecting my credit score by causing my debt to be a high balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times both online & writing that the delinquent payments during 2020  with XXXX XXXX XXXX were made under the 2020 " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of XXXX. 

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020 on my XXXX XXXX XXXX  Account! 
This is XXXX and XXXX. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have XXXX payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all XXXX credit bureaus without correction to my file. 
I have even contacted the CEO of XXXX XXXX XXXX XXXX XXXX Chief Executive Officer XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & Customer Experience Officer, of XXXX XXXX, and XXXX XXXX XXXX Executive Director, Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX. 
Still, TransUnion refuses to remove these negative/late payment remarks for 2020.
Product: Money transfers

On XX/XX/XXXX I went to a Bank of America ( BoA ) branch on XXXX XXXX XXXX XXXX XXXX MD to set up an automatic bank transfer to XXXX XXXX to pay my landlord their rent. On XX/XX/XXXX the funds were extracted out of my account and transferred to the account set up on the bank transfer. On XXXX my landlord notified me that they had not received the funds and the information they provided for the account transfer ( routing & account # ) was wrong. I immediately contacted BoA national office and was told they needed to check and I would receive a call back. On approximately XX/XX/XXXX I returned the call, having heard nothing, and was told there was nothing they could do but I could reach out to the local branch to find a resolution. On XX/XX/XXXX I took off of work to make an appointment with BoA in XXXX XXXX. There I worked with an associate who, after 3 hours of work and getting the run around by BoA, was able to draft an unofficial letter requesting the funds. This letter was faxed to XXXX XXXX. Unable to receive any more information, on XX/XX/XXXX I called back to the local branch and was told that XXXX XXXX claimed it was not the correct letter. They needed a " letter of indemnity '' from BoA. On XX/XX/XXXX BoA generated what I was told was the most official letter they could provide. This letter simply stated that funds were transferred out of my account to XXXX XXXX. Again, XXXX XXXX said this was not enough. It is now XX/XX/XXXX and this issue is still without a resolution. I know that it is illegal for individuals to spend money that they received incorrectly. So I am just looking for BoA to work with XXXX XXXX to retrieve the incorrectly transferred funds.
Product: Credit card

First I receive a credit card from chase I did not apply for and was told to create a fraud alert with one of the credit agency 's, which I did. Then today I am at a restraint trying to pay with a different credit card from chase and it was rejected. I spent over an hour on the phone going threw XXXX different levels answering the same questions correctly three times. The last Chase agent who was rude and totally insensitive decides to close my account
Product: Credit reporting or other personal consumer reports

I am writing to dispute and formally report unauthorized activity on my credit profile. I recently discovered that my credit report reflects several inquiries and activities I did not authorize. After reviewing my credit report in detail, I believe my credit profile may have been used fraudulently. 

These inquiries include attempts to run my credit on multiple occasions, none of which were initiated or authorized by me. This unauthorized activity has raised significant concerns, and I would like to take immediate steps to resolve this issue and protect my creditworthiness. 

To address this issue, I have made efforts to contact the companies responsible for the inquiries, as well as the credit reporting agencies. Despite my attempts, I have not received the written explanation I requested regarding these unauthorized activities. This lack of response has further complicated the situation and heightened my concern. 

To support my claim, I have included copies of my recent credit report highlighting the unauthorized inquiries in question. I request that you : 1. Remove the unauthorized inquiries and any related inaccuracies from my credit report.

2. Investigate the origin of these fraudulent activities.

3. Provide confirmation of the resolution in writing.

For additional verification, I have enclosed copies of my government-issued ID and proof of address. If further information or documentation is required, please do not hesitate to contact me directly at [ Your Phone Number ] or [ Your Email Address ].

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if there are any additional steps I should take to ensure this issue is resolved. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Enclosures : - Copy of recent credit report with unauthorized inquiries highlighted - Copy of government-issued ID - Proof of address
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I had made a payment agreement with D2 Management, LLC and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.
Product: Debt collection

They brought me court papers but no case number, court date or name of judge. And once I got all my research done I found out that their client 's were negligent in handling a co-pay and insurance at the XXXX XXXX XXXX XXXX. I gave them the facts of my side of the issue. And the lady followed by the thing in which they are a male but not XXXX XXXX XXXX  material per-sey. YELLED at me and BELITTED me and told me that I have ZERO rights to a lawyer or to any kind of a fair court hearing. And they REFUSED to take any of my evidence and such into consideration. So, I'm getting endlessly harassed with their phone calles with their rude, unprofessional, unpleasant and condescending employees who are just horrible. 

Just a little update, they dragged me through the courts. And refused to let me even know that I had to pleade to the judge. And they made it so that I had a failure to pleade in court. And now I have to somehow come up with XXXX XXXX and pay ot all or nothing and if I don't, I will suffer the consequences. They have continually harassed me each and every morning causing me to be around XXXX hours late for a few months, even causing me to miss entire days of work. And it has resulted in a considerable amount of lost wages. I am a low income earner, and they more or less don't care and they screamed at me for lying about being a low income earner and states that I am making XXXX  an hour when I'm making around XXXX an hour. And this is on minimal part time hours. 

They XXXX XXXX Collections company who they are obviously in bed with refused my XXXX dollar a month payments and they kicked it back in my face refusingthe payment and money that I was giving them. And the lady just shouted at me highly unprofessinally and she cussed me out big time. I have filed earlier today with the XXXX. So, they more or less aren't willing to work with you and be accommodating with you. They just want to make themselves a horrible financial burden. And make you suffer. 

One more thing, when I was working on disputing the initial debt, I was served more papers showing that a promissory agreement contract was signed in my name. I never signed it, looking at the signature collected, it isn't mine, it's a forgery.
Product: Credit reporting

Equifax is showing a red flag in Fico due to Mortgage XXXX account " Acct Status : PAYS 91-120 DAYS '' This account is over 7yrs old. I am no longer liable for this account but Equfax will not delete it. Please help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, Experian is reporting incorrect negative credit information regarding my mortgage with XXXX Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with XXXX, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both XXXX and Experian.
Product: Vehicle loan or lease

i had surrender my car to the finance company due to circumstances that were beyond my control. The company had since wrote it off as a charge off/ loss of profit but in my credit report its stating that i am past due.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.My Report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINAN LATE PAYMENT Balance {$30000.00} Updated on XX/XX/2022 2022
Product: Student loan

My student loans are under the servicing of Mohela. 

For over two months ( beginning in XXXXXXXX XXXX  ), Mohela has claimed that my loans have " begun to transition to our new loan servicing platform ''. In the interim, they have not provided me any access, be it online or over the phone, to my loan information. I can not see account balances, interest rates, payment due dates, etc. There is no information available to me regarding my loans. 

However, the company has nevertheless sent me notices that I must make payments ( unclear what amounts or when to pay ), that my accounts are " deliquent '' ( although there is no ability to understand or confirm this information whatsoever ), and they have claimed they have sent me important electronic correspondence for my review- but without any account access, there is no ability to read this correspondence. 

I fear for my credit and my financial stability because the company has refused to allow me lawful access to my federal student loans. Calling the company leads to no access to my information and no one is able to provide any way to resolve my situation. Thus, I am forced to file a complaint with the CFPB regarding this untenable situation which seems, from a consumer 's perspective, to either be negligent or possibly predatory. 

I hope the CFPB will help protect my credit rating. 

I am very much able and willing to make my loan payments, but I am exasperated in trying to do so without any information being given to my by my loan servicer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a IDR with XXXX XXXX over 3 months ago and on XX/XX/XXXX XXXX XXXX sent me a message saying that my score dropped 98 points due to late payments with them. I immediately contacted XXXX and they said that I didn't answer question 12 correct. I said that I had taxable income and I don't because I have not worked for 2 years. I thought child support counted as taxable income, but they never notified me that it was wrong. I am now in a 30 day forberence and I have refilled out the paperwork and sent it out yesterday. I am trying to move and need a XXXX credit score to do this. Help me please! XXXX had me on paperless billing and I only asked for actual paperwork in the mail. I am a visual person and I need to read things. I never received anything about this incorrect paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased A used vehicle for the amount of {$25.00}, XXX and payed it off on XX/XX/XXXX and had the title to the vehicle along with A letter stating that the loan had been PAID IN FULL mailed out to me on XX/XX/XXXX And yet the account is still showing up on my credit report as A negative account. I have reached out to the financial institution as well as the three major credit bureaus in regards to this issue, and have not gotten satisfactory results
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and spent several weeks trying to get it resolved two months ago and they said it wouldnt happen again.Well it happened again and this time it is worse.My credit report doesnt populate outside of Equifax online system.The mortgage lender and credit monitor service that I pay doesnt have my equifax report.it says no data found or accounts.I have several accounts such as student loans and car loans.I called each account and they all said its reporting fine to all three .I asked the lender and they said they can pull XXXX and XXXX but no data or account populate for Equifax . I could not get a straightforward explanation and now its causing an issue for me to apply for anything. I can even get a free credit report from annual credit report website.I had to go through Equifax website to get one but its not detailed at all its like a summary.Im not sure what Equifax is doing but it needs to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a loan from XXXX XXXX on XXXX i have closed that loans and taken XXXX also but still showing in XXXXl, XXXX, Experian sites i have all closure letters
Product: Bank account or service

I 've taken action during the past 60 days, to date MIDLAND FUNDING has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not bee successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX
Product: Student loan

For years I have issues with my Private student loan servicere XXXX/Navient. Just in the recent years, while working with Navient, I have gotten inconsistent information. There have been instances where I have set up payment plans via auto pay and the amounts deducted from checking account have been different from what I have instructed them to do. My payments have also been missapplied to my loans. I have more than one loan with Navient, some having different interest rates. My payments have been applied to various loans, different from what I discussed with the service rep. I have even had several instances of my checking account being overdrawn because an amount was debited incorrectly due to Navient 's error. 

Navient has also refused to offer realistic payment options based on my circumstances. In response to that I have done my best to make arrangements to meet their requirements within my means. It is very frustrating to stay on the phone for hours at a time discussing my options and making plans to meet their ridiculous requierments, and then they still make the " mistake '' of debiting the wrong amounts. 

Their website is misleading when it comes to repayment options. They have repayment options listed on their site, but when you call they say that option is not for my type of loan. My issue is that Navient has it nearly impossible not to default on these private student loans.