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

This complaint is against Experian. 

Over the course of the past 90 days I have made a series of attempts to resolve reporting issues regarding an old XXXX XXXX account XXXX. I recently pulled a copy of my annual experian credit report, and found inaccurate data was being reported regarding this account - it appeared the date of last activity and type of account was improper.I submitted a written dispute to Experian via mail, on XX/XX/XXXX I received notification the account was updated and results were available. While Experian did properly update the account type, Experian updated the account to show it is a new account, and more over, a newly delinquent account. Experian re-aged this account which is illegal. I have signed up for multiple third party credit monitoring services, and Experian is reporting the account the account now as actively delinquent, stating I have a new 30 day late missed payment now consecutively each month. My credit score is dropping each month due to Experian re-aging this account, and further reporting new 30 day lates each month. I have contacted the data furnisher XXXX XXXX, whom states they can not offer any solution and that I must address the issue with Experian. I have written Experian multiple times and going past 30 days I have received no response. I have tried to call Experian customer service, however due to Covid they are not taking phone calls at this time regarding this matter. This account in question, was an account included and discharged in a Bankruptcy in 2018. There should be no question as to the fact that the account has a XXXX   balance, and additionally can not suddenly become actively delinquent 2 + years after having closed and included in a bankruptcy. I have asked numerous time to have the information corrected or the account removed from my credit report. Experian is damaging my credit score as a consumer. I recently applied for an auto loan, and was denied by the underwriter due to a newly delinquent trade line on my report. I have had to ask for reconsideration due to the fact I can prove the account was included in a bankruptcy petition and is not delinquent, however even at that point, this inaccurate reporting has caused my credit score to drop significantly, so I am now in a credit tier in which I will be subject to a much higher interest rate - which costs me as a consumer more money due to Experian 's negligence. 

Please help me resolve this issue. Each month my score has dropped to due this matter, and I am afraid as a consumer this will continue for an indefinite period in which I will have to obtain costly legal counsel to resolve their wrong doing.
Product: Mortgage

Upon multiple attempts, including on XX/XX/18, to make a transfer from my HELOC with BBVA to my checking account with BBVA, my access to my HELOC was denied. Per the Home Equity Optimizer Account Agreement, I should be able to access by funds per telephone, however the customer service representatives are insistent that I need my XXXX card CVV number. This defeats the purpose of calling over the phone, since I do not have a XXXX with this account. The representatives explained to me that this was for regulations and security purposes. 1 ) There is no banking regulation that requires a CVV to transfer from my Heloc to checking account. 2 ) The representative already confirmed my identity by verifying account number, date of birth, credit limit, and last deposit amount, all in addition to calling through the mobile app that identified my account for them. 

My HELOC and my checking account have the same signers, only myself, so the risk of fraud is minimal, especially after verifying me several ways. 

I asked to file a formal complaint and was told that there was nobody that I could escalate this to, including a manager or supervisor. The representative told me they would send an email to their manager, but when I asked for a follow up from a supervisor, they told me they could not guarantee that. In other words, my request/complaint would be ignored. 

Ultimately my access to my consumer line of credit is being restricted and I am unable to use the line of credit per the line of credit agreement.
Product: Mortgage

During the Covid pandemic, me and my family were adversely XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Our mortgage company offered me an forbearance plan and reassured me that I would be able to modify my loan after the pandemic forbearance. I accepted the plan. I then abruptly received a letter demanding full payment or my house would be foreclosed. I was baffled because I was made to understand that I would be able to participate in a government program that would assist me with bringing my past payments current. I did not qualify and was denied mortgage assistance and a modification. 
I was able to get a high interest rate loan and was able to pay the past due amount. My first mortgage became current then months later I received a letter from SLS stating that they are going to foreclose on my home from a second mortgage that our mortgage investor purchased. This second loan was a predatory loan and from my understanding, was charged off in the XXXX housing crisis. I was informed to not pay the second and only pay the first due to my financial hardship. I hadnt heard from the second mortgage company for years, as it no longer exists. 
In or around XXXX, I filed for XXXX XXXX and the second loan, purchased by SLS was stripped down to {$50000.00}. After approximately four years of payments, I could no longer afford my XXXX XXXX  payments and fell out of my XXXX. I attempted to reconcile the {$50000.00} debt to no avail. I hadnt heard from the second mortgage until XXXX, towards the cooling down of the Covid pandemic. SLS demanded {$230000.00} payment. We asked for a modification and SLS wouldnt approve. We didnt hear back from the mortgage again and thats when we received the foreclosure notice in or around XXXX of XXXX. 
Apparently, our home gained equity and the second mortgage is considered a zombie loan that matured. They are going after my homes equity, known as an equity stripping practice. 
Due to Covid, my grown children, including my grandchildren, had to return home. I almost died due to contracting covid and it has taken a major toll on my and my families health and well-being. We have no other place to go and will be homeless as our credit and current finances wouldnt allow us to qualify for even an apartment. We were due diligent, paying our mortgage and remaining current to now have to face foreclosure again. I have endured discriminatory practices since I purchased my home in XXXX. I received nothing but predatory, high interest, sub-prime loans, even with making a substantial amount of money and having reasonably good credit. Its systematic racism/discrimination that I didnt want to believe but its blatantly obvious that I was put into this predicament to fail to gentrification. Me and my family have worked very hard and have never used government resources and when we needed them, we didnt qualify and were denied. We are between a rock and a hard place and our blood, tears and sweat prevent me from giving up as we will fight for our home. Please help us with this situation. 
Thank you, XXXX and XXXX XXXX
Product: Student loan

I attended XXXX Illinois University in XXXX, IL from XXXX. It was difficult for me to find a full time position after graduating and my loans went into forbearance. In those XXXX years of looking for a job I gained {$30000.00} in interest on my XXXX loans. Sallie Mae/Navient is currently charging me an entire paycheck as a monthly payment and have screwed up time and time again on taking out my monthly payments after signing up for automatic debt. I am currently attending school again, and have notified XXXX XXXX to expire my deferment because I want to continue to make payments. They have not done so and have screwed up my payments while accumulating more interest on my loans. I have called XXXX times to complain/understand what is happening and they continue to give me the same excuse, that my payment for the month is past the deadline in which they can take it out, so wait till next month. I would n't have to wait if they would have done their job in the XXXX place. I even have documentation that shows that they expired my deferment. All I get is a " I understand '' " We are sorry you feel that way ''. Something needs to change, I am sure I am not the only XXXX they are doing this to. It is sad that I am regretting getting my XXXX, if I never did I would n't have to deal with such a XXXX company.
Product: Credit reporting, credit repair services, 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. 

bankruptcy XXXX XXXX - discharged : # XXXX, 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 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: Student loan

I called into Navient and explained to them i could n't afford to make the payments. I informed them that I am willing to make payments and I was n't trying to neglect making payments. But I first needed my payments to be reduced down to a more reasonable payment so I could afford to make the payments or that works more with my income. 

Navient was uncooperative in helping me and refused to lower my payments based on my income. Plus I was a student at XXXX XXXX and I feel that I was taken advantage of, because I was unaware that I even had the private loan taken out. It was n't properly explained to me.Now I am struggling to make payments and I do not want this to mess up my credit and my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3900.00} XXXX XXXXXXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  has again reported incorrect amounts for my Secure card to TransUnisUnion. This reporting happened again on XX/XX/XXXX. This makes 4 in XX/XX/XXXX amounts I don't owe changed on my report. TransUnion states on report that the amount showing affects my score. 
So now my score has dropped XXXX points. 
I have never deposited {$1900.00} on my Secure card. 
I now as of today have a balance showing owed of {$2200.00} which is incorrect. 
I don't owe XXXX anything this is a Secure Card.

XXXX is not trying to fix their errors. They are refusing to send Secure card statements to me. 
I deposit the same amount every month to my secure credit card.

This is against FCRA Law.

Thanks for your help.
Product: Consumer Loan

XXXX unauthorised charged my Father XXXX XXXX 's Card # XXXX for Refinnce my car at a low rate byOpenRoad Lending who wanted to get credit score on payment of {$1.00} only but they charged on XXXX/XXXX/16 not only {$1.00} but made another {$29.00} ( by XXXX ) as regular monitoring service which was never authorized and was even within 7 days of Free Trial period ( which I did not subscribe ) but XXXX not only refusing to refund but agresively pressurizing by sending repeatedly emails and not even clearly confirming that the service has been cancelled.I suspect it to be Fraud and ID Theft by both XXXX and OpenRoad Lending.The address and contact # ofOpenRoad are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph # XXXX Web : XXXX.MY Father 's card was closed by his Bank XXXX when they placed the transaction under Dispute.
Product: Payday loan

They have now sent and got information about me through my bank and will not leave me alone they are threatening me everyday and they stole my personal information from my personal bank
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX and 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: Debt collection

Fraud account with XXXX XXXX XXXX XXXX XXXX and while my credit is on freeze. This is now the fourth time. Good job America stating a credit freeze will help. False address is Address : XXXX XXXX XXXX Texas XXXX. Received a letter from Online Information Services with reference number XXXX Pin XXXX. On that letter the account number for XXXX XXXX is XXXX. XXXX owed {$470.00}. Called the not so helpful help line for XXXX XXXX and that can't seem to realize I've never lived in Texas ( as all of these accounts are Texas based ) and never will, they're having me file a report. I'm attaching my prior reports.
Product: Debt collection

On XX/XX/XXXX, I sent a dispute to TransUnion ( File # XXXX ) about the following account : XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.
Product: Mortgage

First of all, my account was put on certified funds last XX/XX/XXXX due to what the Caliber Home Loans said was multiple NSF fees. They took out two payments in XX/XX/XXXX when I cancelled one before it was processed, however, it was still taken out. I then called my bank and put in a complaint. I then paid our XXXX payment by XX/XX/XXXX and received an email about a week later stating they are waiting for payment. I just thought there was a glitch so I resubmitted. Well during all this, Caliber said they were getting an NSF fee. We had more than enough money to cover {$530.00}. I called our bank, XXXX XXXX XXXX, and they said you have received no NSF fee and have money to cover it. They have also faxed numerous letters stating this. Caliber still would not release the certified funds only from the account. 

Second, during the loan modification process, it took almost 60 days before they said they received a full package. They kept stating they had everything to make a full package, then a few days later, they would say oh we need this now. I finally received a decision, via mail, that stated I was eligible for a forbearance. I owe XX/XX/XXXX-XX/XX/XXXX + all attorney fees, which totals {$5900.00}. However, they are stating start XX/XX/XXXX I pay {$1400.00} + {$530.00} ( regular monthly mortgage payment ) until XX/XX/XXXX. I take {$14000.00} x 6 = {$8500.00}, which is to pay what is owed previously. I have called to ask where the {$2600.00} is going. One SPOC stated is was an interest bearing loan. I know this is incorrect. Another SPOC could not tell me. I have asked if the LM underwriter can take a look to verify these amounts as I feel they are incorrect. I also make {$3300.00} NET and having a monthly payment of almost {$2000.00} is unreasonable, in my opinion. I have only {$1300.00} to get all my other bills paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : TXXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX  XXXX Balance : {$XXXX}
Product: Mortgage

Select Portfolio Servicing Inc, is my mortgage lender. On XX/XX/2020 I got infected with XXXX XXXXXXXX in one of the buildings that I was XXXX XXXX, due to the severe XXXX my both XXXX were affected and just 3 weeks ago my XXXX discharged me. I lost my job, I contacted SPS beginning on XXXX and reported my conditions they told me that they will help with the deferral plan approved by the government but I have to call on beginning of each month during my sickness. When I called in XXXX they told me that I will start paying on XXXX, but I told them that I lost my job and still under XXXX XXXX, So I sent a letter to explaining the new banking law Section X-9 which support to the NYS residents and states that those monthly payments will be deferred until 6 months meaning XXXX, XXXX, XXXX ( done ) and XXXX, XXXX & XXXX ( pending ), but they sent me a letter on XXXX XXXX stating that those months + one more I dont know WHY will be in a balloon payment of {$12000.00} ( 4 months ) due on XX/XX/2020 which means I will star paying my regular payment plus this balloon and if I cant pay I will be in collection. After this, I sent another letter inquiring those questions and asking for a clarification, but they sent me a letter stating that they will answer in 30 Days but never happened. 
Today XX/XX/2020 nothing has been resolved, I am looking for a new job and hopefully I can start paying my mortgage.
Product: Mortgage

As of XX/XX/2024. The same issue has occurred for the month of XXXX. My XXXX and I lost out on homes that we were trying to purchase the past XXXX months. Now we had to rent for nothing for a year because of these constant 30days late Triad Financial keep putting on our credit reports damaging our credit. Im requesting Triad stop this 30day late debacle on my husband and My credit reports remove 30days late immediately. My last month 30days late havent been resolved yet neither I lost XXXX points this month and XXXX point last month due to this issue. I would like these items removed and my credit score back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a business account reported on my personal account Sunrise Credit Services XXXX Reported XX/XX/2022 Update XX/XX/2022 In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my federal protected consumer rights under 14 USC 1681 15 U.S.C. 1681 section 602 A : states I have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : 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 repot containing any if 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: Checking or savings account

I want to know if I am eligible for the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. Golden 1 Credit Union misappropriated funds from my trust account into my stepmothers without my permission. My father was on the trust account with me while the stepmother wasn't. I am the Executor and Trustee of my father 's living trust. Golden 1 Credit Union had a copy of this trust in the branch where the fraudulent transactions took place. The application for the trust account was signed and notarized at this branch as well. This is egregious that Golden 1 allowed these transactions to take place. My father died a month later after the last transaction from XXXX. So Golden 1 allowed an XXXX old man to empty out his life savings to his wife who was never on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Discover bank XX/XX/2018 repoted 2 times inquiries that I never was applying for any of them, I want you please to remove this inquiry from my XXXX credit report
Product: Money transfer, virtual currency, or money service

I am having an issue cashing a mobile check by mobile check deposit with Ingo Money using my XXXX XXXX XXXX XXXX debit card. I have never cashed a bad check with Ingo Money. Ingo Money is  using discriminatory practices as far as not accepting my mobile check deposit, considering I have never had a check returned to Ingo Money.
Product: Payday loan, title loan, or personal loan

XX/XX/2019, a personal check was mailed to Best Egg in the amount of {$4400.00} to close my account. I did the same with many others creditors and all accounts were closed but Best Egg. 
XX/XX/2019, after noticing the funds were not withdrawn from my bank account, I contacted Best Egg and was told by an employee the check was not yet received and that I will be charged a late fee of XXXX dollars every three days if they don't have their payment. Therefore I now owe them XXXX dollars because, " It's been 6 days since my due date. '' XX/XX/2019, I contacted Best Egg and was told they just check got the check and will post later in the day. 
XX/XX/2019, I contacted Best Egg and was told the check was received on XX/XX/2019, but was not sure why it was not posted, " We'll make sure it's posted. '' Today, XX/XX/2019 and the check is still not posted. 
This is an attempt to try and collect more funds through late payment fees. Their actions are unprofessional, deceptive and dishonest.