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

In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent XXXX to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for an Allegiant Airlines Bank of America card. I was approved and received the card in early XXXX. When I had not received a bill, I called the customer service line and was told I had a payment due on XX/XX/year>. On XX/XX/year> I learned that they reported a 30 late payment because my payment was due on XX/XX/year>! I never received a bill or any notification whatsoever that a payment was due. I feel this is unfair and Bank of America did not have my back as a consumer. I am paying off the card and closing it.
Product: Mortgage

Planet Home Lending ( PHL ) is currently servicing my home loan. They are claiming that I signed for a trial loan modification based on these terms ~ {$1100.00} payments due XX/XX/2019, XXXX XXXX & XX/XX/2019. They are claiming the modification documents were sent out on XXXX and you returned them on XXXX. PHL never modified the loan on a permanent level, which is a violation of CFPB and HUS servicing law. Instead they have pushed the case into foreclosure and have set a foreclosure sale date for XXXX. PHL also claims that they do not have records from the prior servicer, since they took over this loan XXXX, which is a violation of RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), They also do not show any record of the IN 32-30-10.5 mediation hearing notice or the FHA face to face meeting notice requirement was met. Both of these are violations of Indiana State Law and The False Claims Act ( FCA ) aka Qui Tam. Since PHL is refusing to cooperate on this matter, I am seeking your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX reporting date Opened XX/XX/2017 amount {$2100.00} i sent dispute letters several times
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA an

d Metro 2 data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. In light of this deplorable situation, I formally d
emand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the XXXX  XXXX XXXX XXXX XXXX ( XXXX ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with Metro 2 standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and Metro 2 standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 



Your immediate attention to this matter is non-negotiable. Act swiftly.
Product: Debt collection

In 2020, the property management company that managed XXXX XXXX XXXX charged me me for something I didn't agree to after I moved out of the apartment. The company proceed to hand the false debt to a collection company, resulting in a massive drop in my credit score. The collection company 's name is Columbia Debt Recovery LLC, dba Genesis.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute XXXX late payments reported on my credit reports by XXXXL during XXXX XXXX XXXX period. 
These payments, marked late on : XXXX XXXX 30 Days Late.- XXXX XXXX 30 Days Late.- XXXX XXXX 30 Days Late.- -XXXX : - Account Number : XXXX Have been inaccurately reported by both XXXX, XXXX and Equifax have severely impacted my credit score. I am seeking assistance for their removal based on protections outlined in the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 
Background of the Account : Due to financial hardship during the XXXX pandemic, I encountered unexpected challenges that made timely payments difficult. During this period, I understood that creditors were encouraged under the CARES Act to provide accommodations for those financially impacted by XXXX, including continuing to report accounts as current when payments were deferred, or forbearance was granted. XXXX, XXXX and Equifax, continued to report these payments as late, despite the economic strain caused by the pandemic and the expectation of flexibility. 
Request for Immediate Correction under the CARES Act : The CARES Act specifically mandates that creditors offer accommodations to consumers impacted by XXXX by maintaining current account status during agreed-upon relief periods. I believe XXXX, XXXX and Equifax failed to follow these guidelines and, as such, has inaccurately reported late payments. 
Given that these late payments occurred during a pandemic-related hardship ; I am requesting that these entries be removed from my credit report. 
Violation of Fair Credit Reporting Act ( FCRA ) Standards : The FCRA mandates that all information reported to credit bureaus be accurate and fair. Reporting these payments as late is not only inaccurate given the conditions of the CARES Act, but also fails to reflect the reality of my situation during a federally recognized period of financial strain. Reporting these late payments, when they should have been classified as current under accommodations, is therefore misleading and in violation of FCRA standards. 
Truth in Lending Transparency Issues : The Truth in Lending Act ( TILA ) requires creditors to act with transparency and fairness, particularly in times of economic hardship. During the pandemic, XXXX, XXXX and Equifax did not adequately communicate options for accommodations or relief, despite the extraordinary circumstances. As a result, I was not provided with fair access to options that could have helped me avoid these late payments. 
Resolution Requested : Considering the CARES Act, FCRA, and TILA guidelines, I request that the CFPB review this case and require XXXX, XXXX and Equifax to remove the XXXX late payments from my credit reports. 
Thank you for your time and assistance in correcting this matter. I look forward to a prompt resolution that accurately reflects my credit history. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a reservation with the XXXX XXXX XXXX XXXX for the nights of XXXX. In the process of making the reservation I went to the site of reservations.com ( XXXX ) due to their misleading listing at XXXX and their the primary position of their listing. I realized it was not the hotel after I had put in the dates and stopped the inquiry. On XXXX I realized We also needed a XXXX  for XX/XX/XXXX and again mistakenly went to XXXX. I put in the night of XX/XX/XXXX and completed the transaction. The next thing was an Email from XXXX saying I had reserved for XXXX and that it was non cancellable. I did not and would not have made a XXXX  for those nights since the XXXX  I had was for {$300.00} less. I also would not have knowingly agreed to a non cancellable XXXX  given XXXX and our ages and in fact due to heath problems we had to cancel the trip. I asked Chase Visa to reverse the {$1300.00} charge in 2 submissions. and supplied them backup. In the second I advised them that as of XX/XX/XXXX no reservation had been made by XXXX at the hotel. This over 2 months after the supposed XXXX  was made and 6 days before our arrival. Chase Visa 's response was to deny and attach XXXX 's Reservation form. They never responded to the allegations I made and I believe they never read them
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Managment Services - Says its in collections for {$2900.00}. With XXXX  NCB Managment Services -  Same thing - With XXXX XXXX XXXX {$890.00} Says it is in Collections With XXXX XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely not mine
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have tried to create an account with Equifax online and by phone to correct personal information that is incorrect and also dispute an account that is incorrect.
Product: Mortgage

Planted home lending acquired my loan thru a modification process. They were supposed to write off a certain amount. I am not positive of the exact amount, but I know it was in stages if I kept current ( XXXX, XXXX and then another ( {$200000.00} ). Not XXXX XXXX certain of exact amount. They did indeed remove the first amount. But never the second. At the time my interest was XXXX XXXX. Now it stands at XXXX XXXX. During the XXXX XXXX XXXX I was unemployed. Not able to make my mortgage payments. Once the grace period ended I started paying and found it different to continue. They started foreclosure proceedings. I borrowed {$40000.00} and wired it to planet home lending. I have been paying my mortgage until XXXX of XXXX, when they raised my payment by {$1500.00} making it impossible to pay. I am requesting a forensic analysis of my mortgage documents to see if there are any discrepancies ( planet stated I have a {$29000.00} escrow short ) Thankyou XXXX XXXX
Product: Debt collection

I wrote to XXXX Hospital and Credit Control in XXXX XXXX, Virginia because I have several medical accounts that were included in bankruptcy in XX/XX/XXXX. Most accounts were updated and said included in bankruptcy until the discharge. I spoke at length with the collector, XXXX XXXX back in XX/XX/XXXX, prior to the discharge which prompted her to create identical accounts under each hospital or doctor name as collections and then as Credit Control, doubling the collection accounts. Now, after receiving my annual credit report there are still all of the original accounts, credit control accounts and a triplicate listing with no creditor info, no dollar amount, but a new collection account. I wrote to the hospital in question, since I had no luck talking to XXXX XXXX at Credit Control, she is just antagonistic and cruel, because she knows she 's dealing with sick patients who ca n't afford to pay their bills. The bills, for the most part are as follows : Please correct several accounts on all three of my credit reports that are in error and need to be removed because they were included in Bankruptcy and when I spoke to one of your collectors they agreed to remove the items once I provided information. The last XXXX of my social is XXXX and dob is XXXX/XXXX/XXXX. There are several locations, some items are not identified as XXXX but have the same account number structure : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX Ex XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/Credit Control Listed 3 Times XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/Credit Control Listed 3 Times All accounts are listed multiple times on each credit report and I would like all entries removed. Please acknowledge my request by email as soon as the corrections have been made. 
If you have any questions or find any additional errors when you investigate and correct, please correct those items as well. 
Thank you, XXXX XXXX When I called to follow up, XXXX XXXX began screaming at me, telling me she had no idea what I was talking about, she remembered me, and had no intention of removing the inaccuracies. She kept hanging up on me and then threatened to call the police. This company is totally unwilling to correct the items, there should not be any open items on my credit. I asked them to correct and they said, they did. That is not true. 
Per XXXX XXXX XXXX, Compliance Officer Credit Control Corp. ( CCC ) XXXX XXXX XXXX XXXX, VA XXXX There are no inaccuracies, there are, but they refuse to report fairly. 
I would like assistance to correct the items and hope to have most or all entries deleted as they are no longer valid debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Care Credit closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. In fact, I often pay it off soon after a charge. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX  XXXX  and have been caring for patients in serious conditions due to COVID. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Care Credit and as I said earlier NEVER late making payments on my credit card.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/year>
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe this practice is unfair and request an investigation into my account transactions.
Product: Debt collection

I received a call from an individual who refused to identify themselves at the beginning of the call. When pressured, the party indicated they worked for Avante USA and identified the call as an attempt to collect a debt. I advised them I have stellar credit and all my bills are paid so they must be mistaken. The caller insisted I owed an unpaid medical bill which I again proceeded to correct them. I advised them I have never received any form of communication from Avante and they must be mistaken. I asked the caller to not call me again. 

Today, I received a credit alert on my credit report indicating this company had placed an account on my credit report alleging I owe {$150.00} to The XXXX XXXX XXXX despite my having informed them this was an error and I have not received any notification from them. 

I would like to point out, my husband and I work for The XXXX XXXX XXXX and its parent company XXXX XXXX. As a result, all of our bills are either paid directly or drafted from our paychecks. Attached, I have included proof I obtained from The XXXX XXXX XXXX indicating there is no balance owed and in fact, thanking me for " staying on top of my bills ''.
Product: Mortgage

My mortgage servicer, SLS Servicing sold my mortgage to XXXX XXXX on XX/XX/18. I made my mortgage payment to my new provider. 

SLS Servicing had been withdrawing my mortgage payment from my checking account on the XXXX of each month. On XXXX XX/XX/18 they withdrew {$1400.00} ( mortgage payment ) from my checking account, which is after my account was closed with them. I have made numerous phones calls and have received a different story from each employee of this company that I spoke to. This withdraw has caused a negative balance in my account and I have accrued overdraft fees. To date, after 11 days has passed since they withdrew this money, I still do not have it back.
Product: Debt collection

I would like to inform you that I received this notice from your attorney on Friday, XX/XX/2023 via XXXX. Along with the notice was a reimbursement for my check I sent. The date on the check is for XX/XX/2023. However, the notice is dated XX/XX/2023. The letter states the amount of {$2000.00} does not resolve the balance. That is the exact amount that was stated in the first notice from your attorney. I called the number listed on the letter and I find it odd the number is disconnected. I called the number on the first notice and that was the law firm but it is the housing foreclosure department. The lady on the phone directed me to the correct department. Your onsite staff and now your attorney are running scams. Nothing on these documents sent by your attorney are legitimate. Nothing your onsite staff has sent me is legitimate. 

I have been locked out of my account so I can't see the total rent and utilities due When I ask your staff how much is due the amount changes every time When I try to pay via XXXX it's declined because I do not have access to the correct exact amount that is due. 

When I drop off a payment no one is there to accept it and there are checks falling out of the drop box When I mail a check to corporate it gets lost and not posted to my account Because I can't see the amount due because I am locked out of my online account, I have to wait for the 10 day notice By the time I am able to reach you all to pay what is listed on the notice you add additional fees No one will state what is actually included in legal fees. First you said legal fees were {$620.00} then you changed it to {$650.00}. 

I would like to know why the first notice received from your attorney on XXXX XXXX states I have until XX/XX/XXXX to pay or dispute the charges owed. The numbers listed are for the incorrect department. 

I would like to know why the check amount that I sent was reimbursed on XX/XX/XXXX and I didnt receive the check until XX/XX/XXXX, which was my last day to dispute or pay. Also, your attorney had my check in possession during my court date XX/XX/XXXX. 

I would like to know why I received my payment back on XX/XX/XXXX with a notice dated XX/XX/XXXX? The notice has a disconnected number. 

Additionally, I have been told since Monday that the attorney would reach out to me to answer the above questions. I called today Thursday, XX/XX/2023, and left a voicemail on the office number and cellphone number listed in the email the attorney sent me. I then received a call back stating that the attorney was proceeding to file the writ today. The attorney still has not sent me any sort of written documents.