23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received this email regarding my PPP loan forgiveness " Sent : Friday, XX/XX/2021 at XXXX XXXX From : " Bank of America '' XXXX To : XXXX Subject : We are paying a portion of your first draw PPP loan Bank of America logo We are paying a portion of your first draw PPP loan We are here to support you through the Paycheck Protection Program ( PPP ) loan forgiveness process so you and your business can focus on moving forward. 

As we mentioned in a previous communication, under the Small Business Administration 's ( SBA ) program rules, a portion of your first draw PPP loan is not eligible for forgiveness from the SBA. Bank of America has decided to pay a portion of your PPP loan in the amount of {$3900.00} ( the " Bank of America payment amount '' ). This amount does not need to be repaid and is not considered part of your PPP loan. '' Bank of America is playing game and has not paid this loan per the email as of today. This PPP loan should have been forgiven per PPP guidelines, but this corrupt bank is fraudulent denying this.
Product: Debt collection

AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to capital one. Upon their review they acknowledged receiving about {$11000.00} in payment from XXXX. However, they continue to show this account as open charge off. This account was an accepted payment due to the vehicle being worth only {$12000.00} at the time it was totaled. The company continue to report incorrect information. If an account was paid off over 90, should it not reflect this amount based on the Fair credit reporting act?
Product: Mortgage

We were supposed to close on house on XXXX XXXX XXXX NJ with XXXX XXXX Mortgage company on XX/XX/XXXX XXXX XXXX mortgage said loan was approved then before closing they said XXXX/ XXXX XXXX told us day before only that there is issue with appraisal We have sold our old home and boxed our house stuff and now they are not giving us the date or any final closing related information It appears that XXXX XXXX mortgage company is not well established and doesnt follow standard practices and they shouldnt be allowed to be in market We also know few people in community where they have issues with XXXX XXXX mortgage company Please call me if u need additional details XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX**** Collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX : UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX, XXXX, MA
Product: Mortgage

Freedom Mortgage Corporation has denied me access to their online portal, because the loan I have is an assumed loan. This was not disclosed in any documentation from Freedom Mortgage during the loan assumption. This included online access to my account information, my tax documentation, online payments, and auto-payments. I have done nothing to violate their TOS. 

After loan my VA assumption in XX/XX/2024 that took 8 months to complete. I attempted to sign up for the online account to manage my loan. Six attempts to create an online account with Freedom Mortgage either by the app or website, with 2 customer service calls. One made XX/XX/2024 instructed me to use the website rather than the app to sign up. This was incorrect information and the website directed me to call customer service. During phone call with their customer service on XX/XX/2024, the customer service rep informed me that loan assumption accounts will not be able to have online account access with Freedom Mortgage. I asked if I would be able to get one later, and the same line was repeated, offering no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 602 ( A ) Right to privacy 15 U.S.C. 1681 604 ( A ) ( 2 ) No written instructions 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) inaccurate information ( pg 86 ) Acct # XXXX XXXX XXXX XXXX ( XXXX ) : receipt proof vehicle was never delinquent in court file. 

Acct # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : Inaccurate info after quarterly attempts to contact XXXX XXXX XXXX XXXX XXXX listed on XXXX Credit Report as follows : XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : Phone number not available Inaccurate info on XXXX XXXX XXXX unable to contact me Acct # XXXX XXXX XXXX XXXX failure to accurately report credit transaction over billed in addition, failure to send all payments made to my account. only one payment sent after requesting to be corrected. 

Acct # XXXX Dept of EducationXXXX XXXX XXXX 15 U.S.C. 1681 602 ( A ) states I have the right to privacy.

15 U.S.C. 1681 604 ( A ) Section ( 2 ) states a consumer report 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 ant of the following items of information any other adverse item of information, 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently announced a data breach in which my personally identifiable information was obtained by an unknown external party. I am attempting to place credit freezes on my report with all three reporting agencies, and each of these agencies will charge me {$10.00} for this freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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

Navient acknowledged my payment for XX/XX/2023 on the second of XXXX. Later in XXXX I was notified that my XXXX payment was overdue. I pointed out that I had received a confirmation. After repeated calls from them requesting that XXXX payment ( The one they had confirmed they had received ) finally they acknowledged that problem but said they couldn't fix it right away. 

For most of XXXX I received payment requests for the XXXX and XXXX payments so I was unable to pay XXXX on time. 

In early XXXX I was able to make a XXXX and XXXX payment. 

Now I am checking my payment records and see that they have included a {$3.00} late payment with all my payments, most infuriatingly two {$3.00} payments for XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Reporting To The Credit Bureaus To Whom It May Concern : I received a copy of my credit report about the bankruptcy below.

{ account_number } I was told from all 3 credit reporting agencies that you all report Bankruptcy to the 3 credit reporting agencies XXXX.Transunion, and XXXX. If so that is a private matter Especially if you didn't report it. Any account thats reporting on a consumer credit report must list the agency who is furnishing the account and list your name as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true please. As I know that forgery of your name onto my credit report if you didnt report it directly as the furnisher. 
Thank you for your time and help in this matter. 

Sincerely, _____________________________________ XXXX XXXX
Product: Mortgage

Hi, I am in a very time sensitive process of home buying. I am under contract and was locked in with a lender at XXXX rate with no points bought. My loan documents showed an anti steering disclosure that told me I could buy down rate to XXXX for {$10000.00}. While this is a big amount, I see value in this option and expressed interest, asked follow up questions and my loan officer told me I could buy the rate if I choose to do so. However, during underwriting my loan officer insists that's not an option anymore, he says that number shouldn't have been there and that he didn't like the anti-steering document as. I think my lender is trying to push me to get a rate that is beneficial for him knowing all too well that I am outside my due diligence period and can't back out of the house or change lenders as the market interest rate has changed in the last couple weeks. I need my lender to abide by the anti-steering law. 

I asked XXXX if I can talk to a manager or someone about this and he said that they would redirect to him since they are not licensed officials. 

In the many times I talked to XXXX about buying points he never mentioned the lender credit offered on the loan documents would go away, he also says there will be additional loan origination fee I will have to pay if I want to buy down rate. I think this is made up with no legality to it. I am afraid my situation is being abused since they know I will have to go through the home purchase or pay the seller {$3000.00} and all closing attorney fee. 

Please guide me on how to navigate this. I need immediate help. 

My lender is united wholesale mortgage llc, XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage , LLC PHONE ( XXXX ) XXXX BROKER XXXX Loans XXXX  LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a Hard Inquiry was run on my credit through XXXX. The personal loan company name is Onemain Financial Services, and they can be reached at XXXX. 

I called, and the representative determined that there may be fraud on my account. The representative called the specific branch and let the lenders know that the inquiry that they requested was fraudulent.

The representative from Onemain told me to contact the credit bureau to dispute the inquiry ran on my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - BALANCE {$1600.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - BALANCE {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$6000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - BALANCE {$410.00} - DATE OPENED XX/XX/XXXX
Product: Debt collection

XX/XX/2018 RE : XXXX XXXX Dear Transworld Systems Inc.,  and XXXX XXXX, I received an invoice from Transworld Sytems Inc. stating I owed XXXX XXXX money in the amount of {$400.00}. TRAnsworld File # XXXX. Transworld has three telephone numbers and three different addresses on their collection bill. When I called trans world and tried to get XXXX XXXX on the line with them in a thruway they hung up. I accused them of fraudulent billing practices. 

I called XXXX XXXX and they said this was a fraudulent collection and XXXX XXXX sent me a XXXX balance of XXXX owed. XXXX XXXX opened a case # XXXX and a XXXX # XXXX for this billing from Transworld Systems. 

I am reporting this to the Government Authorities of unlawful collection. 

XXXX XXXX will not be in my complaint as they were very helpful in the fact of informing me they did not have any balance owed by me and they sent me a XXXX balance and stated I never owed them anything that they never sent anything for collections. 


Please be advised TRansWorld Systems you are being reported for unlawful collection practices. 

Sincerely, XXXX XXXX Attached in this correspondence is a XXXX XXXX   XXXX balance statement and the TRansworld Systems Collection Bill File # XXXX Transworld Telephone # XXXX they wanted me to send the payment to XXXX. XXXX XXXX, XXXX, DE XXXX. 

XXXX XXXX XXXX, Case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Credit reporting or other personal consumer reports

I was recently applying for a loan for a project to help improve my community and its come to my attention that the missed payment on my record could hurt my ability to qualify. This is very frustrating because I have been bringing this to the credit bureaus attention for months. 
They are reporting in XXXX and XXXX of XXXX and XX/XX/XXXX which I have NEVER been late prior or after these claimed moments. These claims are violating several of my federal protected rights under the FCRA. 


Under XXXXongress, Pursuant to 15 USC 1666B, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' Also under 15 usc 1692 under the FDCPA If there was a late payment then I was not properly notified of this late payment so how can I address something I never knew anything about?

15 USC 1681 under the FCRA this is not reporting 100 % accurate and every time I send in a dispute the bureaus update certain things but still isn't 100 % accurate. 

I would hate to hire an attorney to sue the company for willful violation of my consumer rights, defamation of character and financial injury.
Product: Credit card or prepaid card

I opened a U.S. Bank Cash+ Visa Signature Card in XX/XX/2018 because it looked like it had good benefits for a 'daily use ' card. It also offered 0 % interest on balance transfers, so I opted to transfer a balance from another card, hoping to 'consolidate ' my accounts into US Bank , since I already had checking and savings through them. 

When it came time to make a payment I did what I thought was correct to avoid interest and paid my purchases + minimum payment. 

Here is what their website ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) says about applying payments : " We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. '' Unfortunately a little further down there is this information : " Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Unlike every other card with a 0 % promotional offer I've ever had - if you make any purchases it basically voids the 0 % interest on the promotional balance. This is very surprising and confusing to me. This seems to be confusing to their representatives, too. I called in XXXX when I got my first statement that included an interest charge, as I didn't understand why, since I'd paid purchases + minimum payment. I spent 45 minutes on the phone with a very pleasant representative who told me to pay 'purchases + minimum payment + interest ' to avoid interest charges. She didn't mention the little gem that says the entire balance needs to be paid, I think she wasn't aware of it. 

As I mentioned, I was pretty sure I had paid purchases + minimum payment, but the statement was difficult to parse since the balance transfer was listed on it, so we assumed I had missed something, and I said I would take her advice going forward. 

As a result, I paid the purchases + minimum payment + interest for my XXXX payment. 

I received my XXXX statement only to find another interest charge. I called again and spoke with a nice representative who told me the same thing, " Ma 'm, you need to pay the minimum payment + purchases + interest '' and I said - let 's walk through the math on the XXXX statement and as you can see, I did pay that. He agreed and said it didn't make sense. He consulted a supervisor and they told him, in the disclosure ( which I am now waiting 10 business days to get a copy of ), it states that you have to pay the full statement balance ( including the balance transfer that is supposed to be subject to a promotional interest rate ) to avoid paying interest. 

I feel like this is very deceptive, the statements are not clear and the representatives don't even seem to be aware of how this card works. 

Why offer a 0 % balance transfer with a daily use card if using the card for daily purchases then means that you have to pay the entire balance including the transferred balance to avoid interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied the best insurance rate by XXXX which relied on a report from LexisNexis. I contacted LexisNexis and requested a copy of my consumer report and referenced the inquiry from XXXX as the reason for my inquiry. After some time, LexisNexis wrote me informing me they could not authenticate my identity which is strange given they did so to XXXX. Thereafter, I completed another request for my file online. This time LexisNexis sent me an email asking to click on a link in order to verify my email address ... .however the link they sent does not work and returns a message that an error occured ... .once again quite strange. 
Clearly, LexisNexis is making it difficult, if not impossible, for me to access my file by claiming they can not authenticate me and then sending a broken link. It is very unfortunate and illegal for them to behave in this manner. 
Simply, send me a copy of my file as per the law and stop placing undue burdens in the path of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the fraudulent hard inquiry on my credit report from XXXXXXXX XXXX from XX/XX/2021. Attached is the letter from XXXXXXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 : XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$520000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$12000.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$51000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1300.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$460.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$460.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Debt collection company making robocalls to random people based on just a last name match. I have a common last name! They call everyday!