23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother has a VA Loan. During the pandemic she filed for a forbearance under the Cares Act. We were told that there were plenty of work out options. We were told Rocket would work with us. Nothing has been further from the truth. With less than 30 days until her forbearance ends- they have not sought any work out options. They have only demanded a lump sum payment. This is a violation of the Cares Act and two VA Circular Notifications. XXXX XXXX XXXXXXXX XXXX XXXX XXXX As well as the partial claim program : XXXX XXXX XXXXXXXX. On XX/XX/XXXX - XXXX was told by a gentleman on the Accounts Resolution team we needed to pay the lump sum. I inquired after receiving a certified letter in the mail on XX/XX/XXXX. The gentleman was not aware of any of these regulations and stated he was not a lawyer. This was stated after asking about the two VA Circulars. Why Federal Law did not supersede any arrangement they say my mother agreed to ( which she did not agree to a lump sum payment ) She did not! 

On XX/XX/XXXX - we were told that our forebears be wasnt under the Cares Covid Act and fell under hardship. The cares act states direct or indirectly affected. My mother could not get a part time position with everything closed in our small town. She was also an at- risk patient at that time. To this date Rocket has not offered a partial claim - even though we qualify under VA guidance and Cares Act. Each time I call- they also try to state I am not qualified to speak on the loan when I am - intentionally making it difficult to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX  and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX  which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
Product: Debt collection

XX/XX/XXXX. 2020 they called me a total of 7 times back to back i have told them before that I would make them payment towards the end of the month and frequent calls throughout the day are not necessary or needed
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Capital One to advise that I had been charged 5 to 6 times by XXXX in XXXX and XXXX for over {$15000.00}. XXXX XXXX waived all the fees and finance charges and online it stated my next payment of {$830.00} was due XXXX even though the minimum payment still included the the wrong charges from XXXX. I call Cap One on XX/XX/18 to advise that I couldnt see my reward points. They advised me that my account was passed due so I couldnt use or see my rewards points. I advised them that I had over {$15000.00} in charges that were not mine but that XXXX was refunding to me. They basically said to bad you still owe us the minimum payment even though it was based on this charge from XXXX. I was advised by XXXX XXXX that there are no managers to speak to and her no answer was the final answer from Cap One. So they are making their customers pay payments on charges that are fraudulent or in error.
Product: Credit reporting or other personal consumer reports

I saw a delinquency on my credit report. I went to XXXX credit bureaus that could not provide details. 
I found details through Experian. There is a delinquency from XXXX  for XXXX missed car loan payment through XXXX XXXX. I recalled speaking with the bank and explaining the reason was that I moved residences from XXXX XXXX XXXX because of employment. I didnt receive the bill and when I thought of it, I was XXXX passed. I spoke with the bank and made restitution as soon as I realized it. The loan was paid in full and account closed. 
The delinquency still appears on my credit report. 
I attempted to contact the bank prior to initiating the dispute but the number on the Experian website for XXXX XXXX  is out of service. I called a toll free number for XXXX but they could not help me without an account number of some sort. I no longer have the account number from XXXX. 
I initiated a dispute through Experian and also called them to explain the situation, and that the number they have for the bank is incorrect. 
They repeated call the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had set up a FORBEARANCE for my student loans with XXXX. They had told me about a program they hard that would base my monthly payment from my income. So I agreed to the program, and they told me to fill out the information for the program from a package they were going to send me in the mail. Months had went by and I continuously called the customer service telling them about the packet that had not came in the mail. They kept telling me to remain patient and that it would be there. I didn't receive the packet until the summer of XXXX. After I filled out the packet and returned it back to XXXX I was accepted into their program. The problem that I have is on my credit report there are two times, XXXX of XXXX, and XXXX of XXXX, that both show 90 days late payment and that is false information. I was continuously on FORBEARANCE until I was accepted into their income program. I first called XXXX about this and they agreed they would make the necessary changes and never did. Now recently they gave my account over to a different company, DEPT OF EDXXXX XXXX. I contacted them about this situation, and they have refused to honor what I was promised by XXXX. I have wrong and inaccuracies on my credit report and it is hurting my credit score, and they are not doing anything to fix this wrong.
Product: Payday loan, title loan, or personal loan

Entered into agreement to purchase hearing aids for my husband.  At time of purchase I was offered interest free for 1yr. First payment was in the amount of {$100.00}. I paid {$150.00} for the next 11months. Those dates were from XX/XX/XXXX to XX/XX/XXXX. Total amt pd at this point was {$1600.00}. I then sent them on XX/XX/XXXX another {$150.00}, I sent another {$150.00} XX/XX/XXXX, I then called to get the final payment amt. to close this acct. I was informed that I needed to pay {$540.00} for bk interest as the free interest was only offered for 11 m.I immediately over the phone gave them my debit card to pay the {$540.00} to satisfy this loan. 13 months later I am receiving a bill in the amt of {$100.00}. I have sent letters, I have called them numerous times. At this time my original contract was in the amt of {$2000.00}. As of this writing I have pd Synchrony Bank formerly known as Allegro Credit {$2400.00}. As of this writing I feel they owe me {$400.00}. They have been harassing me by phone at least by 57 calls. I have written to them only to receive nothing in return.
Product: Mortgage

I have an automatic payment ( from my bank XXXX ) going to Freedom Mortgage every month on the XXXX for my mortgage payment of {$1700.00}. In the past, I've also made additional payments to principal outside of this automatic mortgage payment. Here is what happened chronologically. 

XX/XX/year> - {$1700.00} XXXX automatic payment sent to Freedom Mortgage. 

XX/XX/year> - {$1700.00} Freedom Mortgage applied amount to principal. 

XX/XX/year> - Freedom Mortgage payment due ( {$170000.00} ) XX/XX/year> - I log into Freedom Mortgage and by chance noticed what happened. I immediately send in payment of {$1700.00} ( again ) as well as principal of {$4700.00}. 

XX/XX/year> - I email Freedom Mortgage through their secure system and ask why they applied my XX/XX/year> payment to principal instead of the XX/XX/year> mortgage payment. The response was that they applied the XX/XX/year> payment to the mortgage payment ( due on XX/XX/year> ) and the XX/XX/year> payment was applied to principal. This did not answer my question. I asked again, and got the same answer again. I then asked a third time, which has not been answered yet. Each time the answer comes back days if not a week later and they say they need time to investigate. Each time the answer makes no sense why the XX/XX/year> payment wasn't applied to the XX/XX/year> mortgage payment due date. 

XX/XX/year> - Freedom Mortgage waived late fee of {$70.00}. I don't know when they had charged me a late fee and if this affected my credit score. 

My personal feeling is that this is potentially a method for them to make me constantly late so that they can take back my very low interest mortgage ( 2.375 % ).
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THAT SHOULD HAVE FELL OFF OR BEEN REMOVED. WHEN I CONTACTED EXPERIAN ABOUT THE LAWS FOR REMOVING THE ITEMS FROM 7 YEARS AGO THEY REFUSED TO ELIMINATE THOSE ITEMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXX ( 17 months ) instead of 9 months ( please note that they should not be reporting this in the first place per CARES ACT ) 2. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to XXXX XXXX.
Product: Credit card

I used Destiny credit card once for {$8.00} which I paid. There first statement had Fees charged {$250.00} interest charged {$0.00}. Annual fee {$250.00} credit protection fee {$3.00}. Payment due date was XX/XX/2024. I wrote them I never saw a fee to use their card and this is outrageous. I am XXXX on Social Security and am behind on my bills. This makes life even harder and certainly unfair. 

.This is a Destiny card number XXXX their phone is : XXXX The statement has the following. Make check payable to : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Payment due date was XX/XX/XXXX, they charge {$41.00} late fee. PLEASE try to help me I do not know what else to do. 
Thank you, XXXX XXXX XXXX XXXX I don't know how to forward the statement let me know if you need it I will try to get help.
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( PayPal Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive of my failure to make payments as agreed.
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

Please see the attached letters to XXXX XXXX XXXX XXXX, XXXX and Experian. Here are the facts : 1 ) XXXX XXXX XXXX XXXX initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX, my Chapter XXXX bankruptcy was discharged along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured XXXX credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at XXXX XXXX XXXX XXXX on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for XXXX XXXX XXXX XXXX. 8 ) Upon # 7, I pulled all 3 of my credit reports ( XXXX, Experian and XXXX ). I was shocked to see that XXXX XXXX XXXX XXXX was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and Experian. XXXX does show my payment history accurately. When I contacted XXXX, they told me I had to get XXXX XXXX XXXX XXXX to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both XXXX and Experian, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with XXXX XXXX XXXX XXXX. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been XXXX in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to XXXX XXXX XXXX XXXX again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XX/XX/XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! XXXX the XXXX XXXX, Section XXXX. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the XXXX  must provide me with a copy of my consumer report at XXXX % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$400.00}
Product: Debt collection

I was rejected for a loan Net credit then calls and says I may have one. Gave me an account # that does not exist. Help phone number says I do not have an account. Sent verification money of XXXX and said they expect it returned immediately ( Friday XX/XX/ ) but absolutely refuse to tell me where. Web site mentions address for paper check but not any name or entity to send money through your bank. Unnamed female calls and will not accept terns of repayment applied to the XXXX saying we can't just let you keep the XXXX instead of the XXXX. 
Two XXXX men but? Answering machine is a womans voice. PDF says terms agreed to but if there was an electronic signature I did not sign any. Why won't you just let me keep the XXXX ad repay that?? Because it comes from somewhere else. XXXX man XXXX XXXX says in threat email its federal money. No loan company does that. Transportation alliance bank does not exist. Unnamed female listed all stores possible like XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc where I could go to resend the money bit not where. Address and po box are paper checks not email instant repay. When I said XXXX XXXX she said? Nothing. No answer. 
Compassion? A little. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and her insistence that I give back money she won't even tell me where to send compounded by threats including terrorizing me when I get very little in govt benefits and refusing to even accept repayment terms applied to the XXXX. 
I am being deprived of all my rights by the state of Oklahoma including refusing me access to my XXXX parents and guardian even the police are stalking me and for 28 years are tracking my every single footstep and studying me like an animal I have no real viable caseworker nor social services. My mama is frantic. I am now being threatened by NetCredit
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.