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

Copy of email of issues, sent to ThirdFederal Savings and Loan about Mortgage Credit Reporting under Covid-19 and it's Forbearance customers : To whom it may concern, my account is XXXX, In the beginning of the forbearance, as seen in my email below, dated XX/XX/2020. I specifically asked about the process with no penalty. 
It has come to my attention that you have posted remarks on my credit report saying " affected by the Natural Disaster '' with zero payment, and no payments for several months ( see images below ), which is a subtle but direct way of reporting a negative to my credit report as not payment to others : mtg reportXX/XX/XXXXXXXX ( see attached ) mtg report-XXXX  ( see attached ) This action by Third Federal is a violation of the CARES ACT. I demand that these remarks and non payments for several months be corrected immediately, to avoid legal action potentially class action. Your actions have caused me injury to my financing activities because you have used a tricky way of reporting me behind on my mortgage. When this is not the case under the CARES ACT. 

Additionally, if Third Federal was going to report these negative remarks and gap in payments, which by law it can not, it should have explicitly explained this to its customers so they would have full disclosure. 

The law states, according to : XXXX XXXX XXXX  " New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

These basic CARES Act rights translate into the following technical implementation, as guided by the standardized Metro 2 format developed by the Consumer Data Industry Association. This Metro 2 format is explained at NCLCs Fair Credit Reporting 6.3.2.

When a creditor reports accounts as current, the Metro 2 reporting format includes both a payment history field and an account status field. If the CARES Act requires the account to be reported as current, one would assume that both fields should be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. See NCLCs Fair Credit Reporting 6.3.3.3.4. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, and TransUnion has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I completed an application through TransUnion Smartmove. This was a completed the SmartMove screening request for a property that I planned to rent. I submitted my Social Security Number as well as current address, previous address, phone number, income, email address, and personal information.I also paid a {$40.00} application fee. Once the application was submitted, I received a confirmation email that " No action is necessary on your part - you will be notified by the landlord/agent with a final lease decision. '' The landlord contacted me and told me they received a report of a criminal record, and asked for an explanation. I have never been arrested or been to jail and have no criminal record. I called Transunion customer service to inquire about the inaccurate information that was reported. The customer service rep. told me there was nothing they could do because it matched my name. The criminal report did not even provide the date of birth or social security number of the criminal. So they did not actually match this to me, they said 'it could be me '' So they are reporting someone else criminal record because they have the same name but they have not made any other critical connection, like social security or date of birth, they excluded that information from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR NAME : SANTANDER CONSUMER USA AMOUNT : {$8900.00} DATE OPENED : XX/XX/2019 ACCOUNT NUMBER : XXXX
Product: Credit card

On XX/XX/2025, I contacted Bank of America to request the reinstatement of my credit card, which was recently closed. The account had been active and in good standing for 13 years. The account was closed due to inaccurate information that had been reported to the credit bureau by XXXX XXXXXXXX XXXX  regarding my mortgage, as well as loans of all their customers. This misinformation negatively impacted my credit report ( my score was previously XXXX and subsequently dropped to XXXX after the erroneous reporting ) and led to Bank of Americas decision to close my credit card account. I have no other derogatory actions on my credit report. 

I have since addressed the incorrect reporting with XXXX XXXX Bank, and they have acknowledged the error, which was subsequently resolved with the credit reporting bureau. However, when I contacted Bank of America to request reinstatement of my credit card, the representative informed me that their policy does not allow for reinstatement of closed accounts under any circumstances, even when the closure was based on incorrect information from another party. 

This situation is deeply frustrating, as the account closure was not due to my actions or financial behavior, and I was not given the opportunity to resolve the issue before Bank of America took action. What's more, my credit score has dropped again due to Bank of America closing my account that had been in good standing for 13 years, which also decreased my available credit. My only recourse is to re-apply for a credit card, which would be a hard inquiry and would cause further detriment to my credit. I need Bank of America to reinstate my credit card.
Product: Payday loan, title loan, personal loan, or advance loan

To this point, I have made 8 of 9 {$240.00} payments as required by the contract. 

I called on XX/XX/24 requesting to cancel my XXXX auto payment of {$240.00}. I attempted to pay the " pay off '' amount of {$210.00}. My request was not honored for an unknown reason. 

On XX/XX/24, I reached out inquiring why my payment for {$210.00} was not charged to my bank account. I was told as I was now in the 48 hour window before auto-pay on XX/XX/24. ( No mention of this window in the contract ) I must call back XX/XX/24 to straighten this out & at minimum receive a refund for the difference between the Payoff cost of {$210.00} & the contractual payment of {$250.00}. This was not honored either. 

On XX/XX/24, I reached out & had a 45 minute conversation with a supervisor. The supervisor acknowledged this is predatory loan with an arbitrary somewhat contradictory contract. He refused to provide me information on the next steps to give through the company 's arbitration process. I was told I must reach out to my own legal council.

Below is a subsection of this " Promissory note & Disclosure Statement. '' " 10. PREPAYMENT. You may prepay this loan in full or in part at any time without penalty. Early payments will reduce the amount of interest you must pay. Late payments will increase the amount of interest you must pay. If you prepay in full, the amount due on prepayment will vary depending upon the unpaid principal balance at the time of prepayment and any other fees or charges due. Any prepayment will not reduce the amount of subsequent installments you must pay until the loan is paid in full. 
"
Product: Student loan

I received a student loan repayment detail dated XXXX XXXX XXXX. Paperwork was very confusing and listed a repayment obligation schedule. It says payment start date XX/XX/XXXX for {$120.00}. I assumed that meant the XXXX of the month I am to make a payment. I made the first payment by hooking this up to my bank. When the next month rolled around I did not receive any billing on for it. I specifically request a hardcopy so I can keep track of the documents with a physical copy rather than online where sites can crash, etc. I called Mohela who I have my loan with and discussed this, and expressed my confusion as to why I am not receiving bills although I was told I have repayments beginning XXXX They told me I should be receiving bills in the mail ( they double checked my address, etc. ) they said they have sent it but I never received anything for the month of XXXX or XXXX. They tried to convince me to pay through their site and only receive billing through electronic even though I expressed that I want hard copies. By the time I realized I was not getting a bill and got connected with MOHELA costumer service, it was around the same time as the due date. They told me I wouldn't receive any extra charges or interest because of this. However, now for the month of XXXX I had finally received a bill for my federal student aid through MOHELA for the {$120.00} but the bill said {$0.00} due for XXXX The instructions and billing I receive do not make sense and no one on the phone gives me a clear answer as to what the deal is. Again the issue I was having was them not even sending me my bills even though I clearly stated to them several times I wanted bills in the mail.
Product: Debt collection

Got a letter in the mail from XXXX XXXX XXXX saying I owe and they are collecting for synchrony bank. I called and reported a fraud claim because I never bought anything from the company they are claiming the debt came from. I called again because who ever opened this account used my maiden name and when I tried to get in the account online with the information on the paper I got in the mail I had to use my last XXXX numbers of my social and when I put them in it didnt recognize them. So I called synchrony bank and they passed me around and couldnt even find an account. Then said they found my account but none of the information matched the paper from the debt collector. So an hour of no one telling me anything or helping me they hung up on me. Now I am writing to you.
Product: Credit reporting or other personal consumer reports

I am filing a complatint against Equifax because my credit profile was exposed in Data Breach. This has caused me all kinds of financial problems, and has inpacted my life. I live with the fear, of someone using my credit. Being a victim of Identity theft is something no one should have to endure. I am so afraid of what will happen to my credit in the future I have sleepless nights, due to this life altering issue.
Product: Credit reporting or other personal consumer reports

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent
Product: Debt collection

There was a collection put on my consumer report by Harris & Harris LTD on XXXX XXXX in the amount of {$11000.00}
Product: Credit card or prepaid card

Step 1 : What is this complaint about? - Payment allocation Step 2 : What type of problem are you having? - payments are not being applied towards  the older balance ( purchase balance ) on my credit card. 

Step 3 : What happened? As of XX/XX/XXXX my credit card purchase balance was {$1100.00}. On XX/XX/XXXX, I did a balance transfer of {$3000.00} to my Wells Fargo credit card, per their promotion of 0 % until XX/XX/XXXX on balance transfers. Since then I made the payments as follows, to pay off the balance accumulating interest. However, my payments are not being applied entirely to the oldest balance, which is accumulating interest. Rather, they are applying part of my payment towards the promotional balance and part towards the purchase balance accumulating interest. With the payment shown below ; i should have paid the balance accumulating interest off, but that is not what is happening, and i believe these are bad business practices, as they are not allowing me to pay off the older balance which is being charged interest. 
XX/XX/XXXX - paid {$200.00} XX/XX/XXXX - paid {$100.00} XX/XX/XXXX - paid {$90.00} XX/XX/XXXX - paid {$85.00} XX/XX/XXXX - paid {$80.00} XX/XX/XXXX - paid {$600.00} XX/XX/XXXX - paid {$200.00} Total {$1300.00} - which should have paid my purchase balance in full, and any overage towards the newer 0 % promo balance. 

Step 4 : What company is this complaint about? - Wells Fargo Credit card Step 5 : Who are the people involved? XXXX in customer service and a rep from their credit card escalations dept. ( don't remember his name ) I spoke to them both on XX/XX/XXXX, and both told me my payments can not be reallocated to pay off the older balance, and that i could pay {$440.00} today and that would satisfy my purchase balance accumulating interest and then my future payments would be applied all towards my promotional balance. I believe they are doing this, so they can continue to charge me interest on a balance that would have already been paid in full. 
Additionally, they charged me a late fee for my XX/XX/XXXX due date, when the payment was made a month early on XX/XX/XXXX. They waived the late fee, however i feel like they will charge me a late fee on any future payments made before my due date, which i am sure i would have to call in and have them remove ; like i had to do today.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company below is a fraudulent account that is reporting to my Eperian credit report. Im requesting this account be deleted from my credit report immediatley Date Opened : XX/XX/XXXX from XXXX  XXXX XXXX XXXX AMOUNT OF COLLECTION IS {$2000.00} BALANCE UPDATED ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I received a letter about a debt that isn't mine from a company named Convergent. 

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX The letter stated I owe Convergent {$870.00}. This is not my name. The letter had my address but not my correct name. 

The date of the letter : XX/XX/202 Creditor : XXXX XXXX Original Account : # XXXX Convergent Account : # XXXX Original Creditor : XXXX ( South Dakota ), XXXX. 
Reduced Balance Amount : {$300.00} I do not have any outstanding unpaid debt with this company.
Product: Debt collection

To Whom It May Concern,My initial dispute letter was sent on XX/XX/XXXX, to XXXX XXXX they did not respond within 30 days. The second letter was sent XX/XX/XXXX, to XXXX XXXX no response. The third letter was sent XX/XX/XXXX to first credit services and on XX/XX/XXXX a letter was sent to XXXX XXXX credit reporting agency, again no response from first credit services, and XXXX XXXX verified it as accurate. On XX/XX/XXXX I sent the fourth letter to first credit services and they did not show proof that they had a right to collect anything from me. XXXX XXXX or the collection agency first credit service had proof that this account was mine. Please investigate and delete this from my credit file Immediately!
Product: Credit reporting or other personal consumer reports

In late XXXX  I was a victim of identity theft. I reached out to all credit bureaus to report the invalid information and applications for credit to my account. I reached out specifically to Goldman Sachs as an Apple Card was opened in my name fraudulently. They have yet to remove the inquiry for my credit bureau report causing me harm financially as IIn late 2023 I was a victim of identity theft. I reached out to all credit bureaus to report the invalid information and applications for credit to my account. I reached out specifically to Goldman Sachs as an Apple Card was opened in my name fraudulently. They have yet to remove the inquiry from my credit bureau report causing me harm financially as I am in the process of applying for Car and home mortgages. Theyve sent me letters saying that they have confirmed that the account was open fraudulently. Theyve closed the account even. They have yet to remove the inquiries, and I am now filing a formal complaint.
Product: Credit card or prepaid card

On XX/XX/2017 I printed out the Discover Card promotion, 0 % interest 18 months and spoke to the sales department at Discover Card, agent XXXX, ID # XXXX. XXXX   confirmed the promotion and that I qualified for the promotion, confirmed my already opened account which made the balance transfer I intended to complete easier to complete. He also said, " Its a good thing you are doing this today as the promotion ends tomorrow. '' We completed the transfer and he said I would receive a confirmation in 7-10 days. 
When the confirmation arrived, it was not the above promotion but a 4.99 % balance transfer promotion. I called and asked why I was given the wrong promotion and was told I did n't qualify as I am not a new customer. I would not have made the transfer if I did not quality for the 18 months promotion and by now the money had been transfered. 

I spoke to at least four people up the ladder who all said they would listen to the recording and get back to me. No one ever got back to me. I had to call back each time but each time I was told the same thing, " I listened to the tape and you did n't qualify for the promotion. '' I asked for them to play the recording for me as I know that if they listened to conversation they would have heard the comment XXXX made quoted above. Each time they told me the recording is proprietary and they did not need to play it for me. 

My concern is that they will delete this quote by the agent XXXX so if you would not give them XXXX 's name and ID up front but wait for their reply before revealing who the agent is.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments associated with my XXXX XXXX XXXX account for the dates of XX/XX/XXXX and XX/XX/XXXX. This information is negatively impacting my credit report and, consequently, my means of living.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report while 15 U.S.C. 1666b Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.
Product: Debt collection

Enhanced Recovery of XXXX, Florida XXXX XXXX XXXX, FL XXXX has been repeatedly calling my home claiming i owe a XXXX bill of XXXX from XX/XX/XXXX. I explained that i was a sprint customer since XX/XX/XXXX and my same account from them is still active. The person then stated the debt was from XX/XX/XXXX and I am like that 's 15 years ago and regardless if it was my account or not, the statue of limitations has expired. The person told me they were not a 3rd party debt collector and I told him then you work for XXXX? no comment. 
They never at anytime in the last 15 years put it on my credit nor has XXXX ever been on my report either. This a white collar scam!! 

I asked him to stop calling me and he said they will just keep calling so i hung up. They call at least twice a week and this must stop. They have never sent any mail nor registered / certified mail to my address which i did confirm with them. Please Help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I already had an active life insurance policy. For the 2nd time the life insurance company had some unexplained glitch and it drafted from my checking account approx. 10 times the monthly premium. No real explanation, I was very angry and did a lot of leg work on my own to investigate, in the mean time they said the auto system had cancelled me for not paying the {$400.00} something which was wrong. I explained that it all made me so nervous, what if I died? is this what my family will experience, I did speak t underwriting and they advised to just apply for a new policy, they gave me a new agen after I requested to keep my original agent. Then it took months, a whole application process, exposed to walk into a Lab, all of it again!! I later got covid!! then they declined me for some XXXX I had XXXX  years ago that was resolved back in XXXX! and also declined me for having had XXXX!!! Then I learned about the MIB and the universe headquarters where all my applications were getting the same info to DECLINE me. 
I have tried working with my hospital ; medical records, because apparently I also lived another nightmare with HIPPA and my Medical records ; had other peoples printed pages in my files. They supposed to have had a 700 plus page audit, they emailed me a pdf but i dont know all the medical terminology. Except the way my doctors office has had glitched too ; old system and new system So now my XXXX note from my resolved XXXX with XXXX XXXX reappeared as " history of " they read it as if I am having the same ongoing treatment, which I never did, just XXXX, no XXXX etc. 
The new insurance agent seemed very sloppy too helping me. I feel they all mis lead me to just get rid of me, I have waited to resolve this issue from XXXX to XXXX. They never called to ask if I had been in hospital for covid, lived or died. MIB doesnt have any covid info for XXXX. It all feels very very wrong, I am recovering from XXXX but I have been home, I will be okay. Covid is new to all and our doctors are still developing a list of what symptoms are with various treatments, we do not have all the information yet. We are all falling into these new lists and so I do not understand how I was marked as declined " with ... .and Covid '' There is a lot more to my story. I have ne dangerous life style, I have a good background since I am a XXXX XXXX XXXX XXXX. I live a healthy life and all I want is my life insurance policy back! I feel trapped into fighting to get it back since all the roadblocks are already set up against me!