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

I am writing to bring to your attention a series of unfortunate events that have significantly impacted my ability to manage my account with XXXX, culminating in a situation that I believe warrants special consideration. Issue 1 : Failure to Update Email Address Firstly, I requested an update to my email address, due to concerns about hacking or unauthorized access. Despite these requests, my email address was not updated as needed. This failure in updating critical contact information on your part has led to significant communication gaps. Issue 2 : Payment Method Failures Consequently, the payment method linked to my account, originating from encountered issues. The bank had placed a hold on my account, which directly impeded payment transactions for my loan with XXXX. This was not a result of negligence on my part but rather a security measure taken by the bank because of my email being hacked the email you have on file is " XXXX '' which is incorrect so i never recieved this email i ahd updated XXXX my new email which was never updated or documented resulting in miscommunication causing fincial harm as i notifed the bank to make sure auto pay will continue they told me it would but not also having access to that email at the time out me into blind spot its only one late payment which is a result of indenity theft. Issue 3 : Account Closure and Payment in Full Despite these challenges, I have acted in good faith and paid the remainder of my loan agreement in full, leading to the closure of my account with XXXX. However, the aforementioned issues significantly hindered my ability to manage my account effectively. Concerns Regarding the Truth in Lending Act ( TILA ) Furthermore, I believe that the lack of clear communication and failure to update my contact information may constitute a violation of the Truth in Lending Act ( TILA ). TILA mandates the disclosure of certain information in credit transactions and emphasizes the importance of clear and timely communication from lenders to borrowers. I appreciate your prompt attention to this matter and look forward to a resolution that reflects the challenges I have encountered and my commitment to fulfilling my obligations under our loan agreement. Violation of Fair Credit Reporting Act ( FCRA ) : The FCRA, under 1681s-2 ( a ), mandates the accuracy of information provided to credit bureaus. The lack of a clear reporting policy in our agreement could lead to inaccuracies in my credit report, potentially violating this act. Concerns Under the Equal Credit Opportunity Act ( ECOA ) : ECOA 1691 ( d ) requires lenders to provide certain information to borrowers. The absence of credit reporting policies in our agreement might contravene these requirements, affecting my ability to understand and manage my credit. Consumer Financial Protection Bureau ( CFPB ) Regulations : According to 12 CFR Part 1026 ( Regulation Z ) of the CFPB, which implements TILA, lenders are obligated to provide clear disclosures on credit terms. The omission of late payment reporting details fails to meet these transparency standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since TRANSUNION REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XXXX. XXXX MY ACCT WAS FREEZED, IDK WHO DID THIS, XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. TransUnion notified me " XXXX XXXX XXXX. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX  XXXX A nor XXXX XXXX XXXX XXXX. I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  for an amount of {$2100.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. TransUnion failed to produce any documented evidence of how XXXX XXXX XXXX, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX XXXX XXXX XXXX XXXX XXXX. Also known as XXXX XXXX XXXX XXXX as the original creditor that is an error. TransUnion remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.
Product: Checking or savings account

BOA instead of declining my debit card for being {$8.00} short on the charge to XXXX 's they charged me a {$12.00} overdraft fee. I have had this conversation with them several times and have told them to always decline the card if there is not sufficient funds in the account to cover the debit and the rep assures me they will. I talked to a very rude supervisor XXXX @ XXXX XXXXct after holding for 15 minutes and she declined my request. I asked for a supervisor and she told me it would be a very long wait time. I decide to get help this way instead. As you can see on the uploaded document the transaction is still pending yet they have deducted the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX   emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK XXXX OK OK Equifax OK XXXX OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting

I sent dispute forms to all XXXX credit reporting agencies notifying them that I have consolidated and paid off this student loan and to update the account, I received back a letter saying the debt have been verified.
Product: Checking or savings account

my money was stolen off my card in a withdraw ( direct express /Comerica ) a credit was given after failure to provide the paperwork to fill out the money was my non-garnishable SSI check fyi. i had to complete a handful of tasks. they gave me a credit mid-investigation where there knew all the facts then took it back 1 month later {$700.00} making it impossible to pay rent bills ect. i am launching an investigation if my funds stolen by direct express are not returned i already know they illeagaly work out of the united states.
Product: Debt collection

Received notification of a collection agency Receivables Management Systems out of XXXX XXXX, VA for a missed Patient First co-pay debt I was not aware of for {$25.00} and the collection agency wanted to included a {$40.00} collection fee. I called but they refused to discuss the account unless I used my Social Security number or part of it for verification. Every scam wants to use your Social Security number, every cyber security training and warnings teach not to use your social security number even for verification. The company Receivables Management Systems would not offer or provide any other method even after explaining to them the issue of using a social security number in part or whole. They refused and stated that is the only way they " are able '' to verify and discuss. Asked for alternative method but they refused. 
Disputed the {$40.00} fee by mail but they returned back with verification of the original debt and no information about the fee and their " requirement '' to pay that fee as well. 
Called again on XXXX XX/XX/2024 and again refused to communicate the " account '' with other means of verification other then sensitive PII such as social security number and they offer no other way to communicate or discuss the issue.
Product: Credit reporting 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX  XX/XX/year> XXXX 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: Debt collection

I pulled my credit report and noticed that Equifax only was reporting a XXXX XXXX collection on my account. The date listed was XX/XX/2019 in the amount of {$550.00} by a company called XXXX XXXX XXXX XXXX in XXXX FL. I have no recollection of this XXXX XXXX and contacted Equifax to dispute the XXXX XXXX and find out more information. Equifax refused to remove it and said I had to contact the collector. I contacted the collector, XXXX XXXX XXXX XXXX, at phone number : XXXX. After review of the account, the address they had on file was incorrect and never was my address ( same street and home number but totally different city and zip code ). I then informed them of the incorrect information and asked for This to be removed from my credit report. I also sent in a notarized letter to both Equifax and XXXX XXXX XXXX XXXX with my most recent bank statement and my drivers license to prove my addresses at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX Equifax Dispute XXXX XXXX. XXXX XXXX XXXX GA XXXX I still have not heard from either company and request that this be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cash App specifically failed to take timely and effective measures to prevent and address fraud on their platform leaving my bank account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and a great financial loss on numerous occasions, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Approximately XXXX got a vehicle through Prestige Financial Services originally living in the state of Kansas. Hardship occurred. As Clients myself and husband tried selling the property and working out a deal but no resolution. Vehicle was repossessed and although I was not the primary on this account. This company has tried calling different employers of mines and my husbands impersonating HR Personnel, Maintenance Staff, & Insurance Agents, trying to obtain information. Reporting inaccuracies to the credit bureaus and at this point harassing us for an old debt, that I would think is in statute of limitations at this point since debt originally occurred in Kansas and over 7 years old. They continue to have their representatives call leaving aggressive messages on my voicemail.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation. 


Account Name : XXXX XXXX XXXX. 
Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was involved in a car accident which caused me to be out of work and in the hospital for months. I received two late payments during that period in XX/XX/XXXX and XX/XX/XXXX. I submitted my hospital records over to them and was told even though I was legally incapable of paying the late payments could not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent proper paperwork to have this debt that I did not authorize be removed from my credit report as well as sending proper paperwork including a notarized affidavit, an XXXX XXXX profile, police reports stating that I am a victim of identity theft to the actual creditor which is XXXX XXXX XXXX & the credit bureaus. This said documentation was sent in XXXX XXXX XXXX & now I am reaching out to them again. I am picking up a police report from XXXX XXXX XXXX and will be sending out another affidavit. Id theft report and police report to XXXX XXXX XXXX and the credit bureaus because this is ridiculous! I have rights!
Product: Debt collection

I received a form collection letter from a company called Penn Credit Corporation stating I owed {$160000.00} in back taxes. I immediately called the company as I do n't owe the State of Maryland anything. According to the company 's form this goes back to 2009. I live in MD for four months temporarily in 2009, my employer filed the -2 and my tax accountant filed all the necessary tax returns. I can not get this company to call me back. I only get a recording that does not announce their name and asks the caller to leave a message. I was becoming more suspicious of this company/activity as I researched further. I called the State of MD Controllers office and they put me through to Tax Services. I gave them the information on the form letter and the woman on the phone said that this must have something to do with the audit of the Stats of Maryland and they could n't find documents. I asked her when that became the taxpayers problem that they could not locate records and she of course was less than useful. I asked her where balance due came from on the collection notice I received and she said " they just put my income in there ''. I asked her again where the income on the collection notice came from where because I did not make that much money in the state of MD and wish I would have. Again no help, no answers. This is unacceptable and as of today, Tuesday, XXXX XXXX at XXXX I have not heard one word from Penn Credit Corp .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose
Product: Mortgage

My wife and I took advantage of fully allowed mortgage forbearance for 18 months ( from XX/XX/XXXX thru to XX/XX/XXXX ) due to the CARES act and Covid -19. 
Our forbearance plan is due to end XX/XX/XXXX and normal/ regular payments are due to resume/ due date XXXX. 
Since, the process began, we were led to believe, that we could defer our forborne amount to the end of the existing loan, i.e it then being payable at the maturity of the loan.

However, the company ( RoundPoint Mortgage Servicing Corporation ) in question has since " revised '' their website and we can not see our payment history anymore. Thankfully I printed out a " history '' of transactions from XX/XX/XXXX up to and including XX/XX/XXXX, which shows the principal balance owed at that time. 
However, I was about to set up my XX/XX/XXXX payment due, yesterday and to my dismay our, " new '' mortgage balance has increased by approximately {$11000.00}!!! 
I spoke with the company many times over the last 18 months, to ensure that " nothing ' with regards to the amount owed would change, as we did not want a loan modification, even though they have sent us a letter as recently as yesterday XX/XX/XXXX ( dated XXXX ) saying that is what we have done??? We can afford the mortgage payments and do not need a loan modification, but their ability to explain this is futile ( last phone call yesterday, ( XXXX ) to the company I requested to be transferred to a supervisor, that promptly got hung up on!!! ). Therefore, I feel that due to lack of transparency and inappropriate increases to our mortgage balance, I had no other choice to make a complaint.