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

On XX/XX/XXXX I faxed a complaint to XXXX XXXX  due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter. 
Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period XXXX would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel XXXX is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
Product: Debt collection

Company continues to report negatively on my credit reports, despite being told it is not my debt numerous times. They had 30 days to provide proof of ownership which they failed to do
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/year>2019 Balance {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting

I recently got my credit report which showed my credit scores. TransUnion and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for Full Access Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX XXXX XXXX XXXX as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the XXXX that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
Product: Credit reporting

In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX / XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with TransUnion. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
Product: Mortgage

The current mortgage company has been giving us trouble since they took over the loan last year. The previous mortgage company did a loan modification with us, the new deal was they gave us a balloon payment of {$15000.00}, to be paid at the end of the loan, so we signed the agreement. The current mortgage company demanded that we pay the balloon payment the XXXX month they had the loan, it took us almost 1 year to straighten this out, every time we called there was someone new assigned to our loan. I believe they charged us interest on the balloon payment during the dispute period. Every time we ask for paperwork they say we have to submit the request in writing and when we call back after a month they say they already mailed it and we must resubmit the request again. 
We made a payment on the principle last year but they still show the same payoff date on our statements, and the interest payments are n't going down in size by very much. 
We made another payment this year on the principle and we asked them the same questions and they say we must request information in writing, so again we requested the payment schedule from them and we called them back after a month and they said they had already mailed it XXXX XXXX and today is the XXXX and they said on the XXXX they would mail it again and we still have n't received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

They TransUnion told me the information is accurate but it can't be. I feel they don't have all the information as the other credit bureaus and it's causing me to not be able to find housing because every housing pause from different credit bureaus and this is hurting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, XXXX I started to access my credit files to see which accounts were showing, and noticed that XXXX XXXX XXXX XXXX reported I opened a XXXX card account. Immediately I reported to the Credit bureaus that the account was not mine. That it was fraud and I wanted the card account to be removed from my credit files. For {$27.00} that was showing account balance my credit score went down XXXX points!!!!!!! In the meantime, i also contacted XXXX XXXX XXXX XXXX by phone to dispute the validity of that credit card account. They started to investigate and finally sent me a letter dated XX/XX/2022 that they disagreed with my claim that the account was opened fraudulently. I offered to pay the balance due just to get rid of the account I did not open. Still they insist the account is mine, the card was used in XXXX, XXXX but I live in XXXX, XXXX I am asking your office to intervene in this matter and XXXX XXXX XXXX XXXX XXXX to accept my claim and erase this account from my credit files as if it never existed. My address with them has always been in XXXX. By no means I used the car in XXXX, XXXX They ruined my credit report without considering the facts I presented. I did not apply for the XXXX credit card.
Product: Checking or savings account

In XX/XX/XXXX I made a Bill Pay dispute with Bank of America. I filed a police report and sent in all the requested information so that they could begin their investigation. A year and a half later, on XX/XX/XXXX, I received a message in my online Bank of America message portal that they have received the necessary information needed for us to process the return of your funds and that the funds would be credited to your checking account within 3-5 business days. 

It is now XX/XX/XXXX and I have not been credited the {$1600.00} to my checking account. I have called multiple times within the past XXXX weeks to understand why they have not complied with the timeframe they designated, and no one can give me an answer. I get passed around from one agent to the next, with several disconnections. 
Please note that I responded to the online message in my bank portal, and no one has responded to my multiple inquiries about the delay. Additionally, I requested a copy of the documents that they relied upon during their investigation both online and over the phone and I have not received them. 

I feel as though I have exhausted all my options with the bank and need support so that they can comply with their own finding. That is, that I am entitled to a return of my funds in a timely manner.
Product: Checking or savings account

Currently, I use bill pay with pnc banking, however I questioned there accuracy with my account. A couple of months ago, I noticed that my account was charged twice and the bank refunded the account after a few complaints. On XX/XX/2021 I scheduled a bill to paid out on XX/XX/2021, however the bank forward the check earlier than instructed. Next, I noticed that the payment was mailed on XXXX and was paid on XXXX, however the bank is stating the the payment was never paid out on this date. Meanwhile, I have documentation that the money was already set aside and removed from my account with a confirmation number. The bank still denies my statements telling me I am confused. 

On XX/XX/2021 another payment for the bill was posted as pending ( second time ). However when I checked my bill pay activity nothing was pending and the payment was marked as paid.
Product: Credit reporting or other personal consumer reports

I have been sending disputes to the credit bureaus since XX/XX/year> and not once have I had any deletions nor have they even sent me any documentation that they are even processing my disputes. This is utterly sad that the credit bureaus are NOT DOING THEIR JOBS!!!!!!! I am going to the XXXX  Next. 


See attached
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a letter was mailed to each company concerning the inaccurate information. The XXXXhree major credit bureaus were also contacted concerning this information. No reply or response was received. On XX/XX/XXXX, another round of letters was sent to the credit bureaus concerning the inaccuracies. This fraud activity has made it so that I can not obtain my annual credit report from XXXX because the system can not verify me.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Dispute of Derogatory Accounts and Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple derogatory accounts and credit inquiries listed on my credit report, which I believe are a result of identity theft. Enclosed are copies of the relevant documents supporting my claim, including a police report and fraud affidavit. 

Below are the details of the accounts and inquiries in question : **Derogatory Accounts : ** 1. **Account Name : XXXX  XXXX XXXX  XXXX XXXX XXXX* - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$880.00} - Remarks : Charged off as bad debt, In Collections/Charge-off 2. **Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$640.00} - Remarks : Placed for collection 3. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$260.00} - Remarks : Account information disputed by consumer 4. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$1800.00} - Remarks : Placed for collection 5. **Account Name : XXXXXXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$2500.00} - Remarks : Account information disputed by consumer **Credit Inquiries : ** 1. **Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX 2. XXXX : XXXX XXXX Services** - Inquiry Date : XXXX XXXX, XXXX I request that the Consumer Financial Protection Bureau investigate these accounts and inquiries and take appropriate action to rectify the situation. I have reported this identity theft to the relevant authorities and have also contacted the creditors associated with these accounts. 

I affirm that the information provided in this letter is true and accurate to the best of my knowledge. Enclosed are copies of the supporting documents for your reference. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Prepaid card

I received a {$100.00} VISA gift card from my employees for my birthday. I used the card once for {$12.00}. I tried to use it again for an XXXX online order, but it did not appear to work. 

I went to the card website to check the balance and was locked out. I called the number on the back of the card and tried to obtain the balance and was told the card was not registered to me, and that the information I gave them was incorrect. I was surprised as I did not believe I had registered or needed to register the card in my name. It's a gift card. 

I then tried to use it as a store, thinking that if I had the correct PIN it might work, but it didn't. It said not authorized and confirmed to me that the card was shut down. 

I called again and they told me the card was compromised, and that I needed to send in a copy of my driver 's license, and a letter saying it's my card. The company did not sound solid on the phone, and I don't want to send my driver 's license to them. I also don't want to give up the balance to this card company that may be scamming.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes regarding the inaccurate and discrepant negative accounts listed on my credit report. Despite my repeated efforts to have these errors corrected, I am frustrated that the issues have not been fully resolved. The persistence of these inaccuracies is deeply concerning, and I demand immediate action to rectify this situation.
Product: Credit reporting

I have disputed the information as provided in Case number : XXXX & XXXX number : XXXX with this Credit agency several times - only to be faced with we do n't have the information necessary to reverse any information, you will have to contact XXXX XXXX. All of which leads back to a dead end of my credit report having this false debt. I have provide Experian, all the information I have to prove my claim, only for them to tell me, it is up to XXXX XXXX to correct the information. Even though the information I have provide shows CLEAR inaccuracy - the agents i have spoke have repeatedly sent the same information back to XXXX XXXX for verification, only for XXXX XXXX to reply with providing blank updated information. Where is the investigation, what are the results of the investigation, What and Who said what, when and where?????
Product: Credit reporting, credit repair services, or other personal consumer reports

During a loan modification after a forbearance period ( both covered under CARES act ) the mortgage company reported late payments to the credit agencies. When I disputed the report and stated that the modification period was covered under the cares act, the company denied my dispute. All details follow : Date : XXXX XX/XX/XXXX. 
-- >Initial request previously sent : XXXX XX/XX/XXXX. 
-- ->Denial of request received by phone on XXXX XXXX. 
Company : Shellpoint Mortgage Servicing ; XXXX XXXX XXXX ; XXXX, SC XXXX. 
Subject : Dispute of credit report information and request for credit correction, in compliance with the CARES Act. 
Account number XXXX. 

My account was incorrectly reported 30 and 60 days late for XXXX and XX/XX/XXXX ( see page 4 of attached credit report ). My CARES act COVID-19 related forbearance ended in XXXX. I had already applied for loan modification which was approved on XXXX XXXX ( attached ), which qualifies as a protected accommodation under the CARES act.

-- Excerpts from attached Consumer Financial Protection Bureau ( CFPB ) CARES Act FAQ and Statement on enforcement --.

The CARES Act addresses accommodations to consumers impacted by COVID-19. For purposes of the CARES Act amendments to the Fair Credit Reporting Act ( FCRA ), an accommodation includes agreements to modify a loan.

Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation : if the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. 
-- end excerpt --. 

Records of the trial payments ( from XXXX onward ) were previously submitted and are again included here. I now have completed the loan modification, as of XXXX XXXX. Documentation is attached. 

I initially requested this to be fixed on XXXX XXXX ( record attached ), and was told that it would be fixed once my modification is complete ( it is complete now ). I made a second official request by email and by the mortgage company 's online form on XXXX XX/XX/XXXX ( record attached ). 

Attachment 1 Credit report, reference page 4.

Attachment 2 Loan modification request approved/initiated, XXXX XXXX. 
Attachment 3 Records of the trial payments ( from XXXX onward ). 
Attachment 4 Loan modification complete, XXXX XXXX. 
Attachment 5 Initial request for credit report to be fixed, XXXX XXXX. 
Attachment XXXX Second request for credit report to be fixed, XXXX XXXX. 
Attachment 7 Consumer Financial Protection Bureau ( CFPB ) CARES Act FAQ.

Attachment 8 Consumer Financial Protection Bureau ( CFPB ) Statement on enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance on a closed account XXXX XXXX XXXX # XXXX was paid in full and show as charged off 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.

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: Credit reporting, credit repair services, or other personal consumer reports

I closed an account and its still showing that I just opened it and yet they still never showed that I payed it off TEN TIMES
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Cap One made an unauthorized fraudulent hard inquiry to my XXXX  report. Attaching my victim statement/police report for identity theft. XXXX  instructed me to contact each company making fraudulent inquiry, individually.
Product: Vehicle loan or lease

I was enrolled in Auto-Pay with Credit Acceptance, and they, without telling me beforehand, unenrolled me out of my auto-pay for my monthly billing. I'm afraid they'll unfairly charge me, ruin my credit, or repossess my vehicle.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. XXXX  account # 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 an account without my written instruction 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